davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/XXXX, I made an online payment of {$45.00} to the " XXXX XXXX XXXX '' ( The XXXX ) for club fees. 
After pressing the " Submit '' button, the website crashed. 

My card shows the transaction and posted it. The XXXX has no records of my payment on their system and my membership was not established - because they have no payment on record. 

I have immediately submitted a dispute about the transaction with Bank of America.

The transaction is STILL posted on my account and Bank of America is UNRESPONSIVE. I am a " Platinum Tier '' customer with them and as a result of their poor service, lack of responsiveness and as a matter of principle, I am in the process of transferring my business to a different bank.
Consumer complaint received 2018-07-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (NY)

On XX/XX/2018 ( XXXX  ) XX/XX/2018 ( XXXX ) and XX/XX/2018 ( XXXX ) I sent an electronic disputes for Ability Recovery Services stating that I owe them {$1000.00}. I received my credit reports back from all three credit bureaus stating it is " verified ''. I have sent two letters to Ability Recovery Services asking them to validate the debt that they are claiming on my credit report. I haven't received any written correspondence from them since I sent my letter ( s ) to them. The first letter was sent on XX/XX/2018 and the next one was sent on XX/XX/2018. No letters were sent to my home stating the debt is even mine.
Consumer complaint received 2018-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

I was turned down for an " easy pay '' plan with a large company, and I found out hat it was because Equifax turned me down when the company sent Equifax my name. I got a copy of my Equifax credit report. My credit history with them looked fine BUT my " personal information '' had some problems and therefore, they ( apparently ) could not confirm my identity for the large company. Here are the problems : ( a ) The employer listed as my current employer is a company I worked for from XX/XX/XXXX-XX/XX/XXXX! Equifax HAS fixed that. ( b ) Equifax has the wrong birth-date for me ; they are off by one month. To correct that, they say I need to send them a copy of my Social Security card *and* my driver 's license. I told them that I refuse to do that. ( I was talking to a woman in the XXXX ). I will not send copies of those sensitive documents to correct an error made by Equifax, which has had a huge data breach.
Consumer complaint received 2018-07-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

I currently make {$75000.00} per year before tax. I have {$88000.00} in Federal Student Loan debt and {$72000.00} in Private Student Loan with Navient and just over {$10000.00} with XXXX XXXX. This was to obtain a XXXX XXXX in XXXX. While I am in the industry that I went to school for between student loans and other housing cost I have no savings and a little over {$75.00} saved for retirement. I have filed bankruptcy once and have no form or way to consolidate my loans due to credit score and amount. I am making monthly payments on due dates or just after. 

There was never a cap. I could just keep borrowing and borrowing and borrowing. They never said XXXX stop you will not be able to afford this after school. I just allowed the rich to get richer my student loans are my future and I have no way to pay for anything else. Whether this is my fault, the schools fault or the the lenders fault something needs to be done. This can not continue to happen to other students. 

I call at least every other month asking for lower payments, forgiveness, something that will help me save.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

IN ACCORDANCE WITH FCRA XXXX, REPORTING AKA 'S AND ALIAS NAMES AND ADDRESSES UNDELIVERABLE TO ME, ARE VIOLATING MY RIGHTS. 

15 USC 1681 602A I HAVE A RIGHT TO PRIVACY 15 USC 1681 604A STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCOUNTS WITHOUT WRITTEN INSTRUCTIONS. 

NAMES : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX EMPLOYMENT XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2019-09-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Fedloan Help (CO)

Hello, I am trying to certify my public service for loan forgiveness. I work for my Town XXXX XXXX in Colorado Since XX/XX/XXXX. I have applied XXXX, XXXX and XX/XX/XXXX, three times and got three denial letters. I have called in XXXX and XX/XX/XXXX and the customer service says they emailed the request to their supervisor. Nothing. 
Help me please. 
XXXX
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I paid my XX/XX/2024 payment on XX/XX/XXXX. XXXX XXXX stated it came in after cut off time and they reported my account to the bureaus as 30 days past due as of XX/XX/2024. 
Payment was processed and posted to the account on the same day. 
Immediately after that they kept stating to the bureaus that my account was still past due 30 days. I contacted them- they confirmed that account was only due for XXXX and it is NOT 30 days past due anymore. They sent me printout to prove that. 
Nevertheless, XXXX and two other agencies did not change or updated their ranking of this account. 
On the top of everything both Equifax and XXXX completely ignored uploaded proof and continued report incorrect information. XXXX is even showing its 30 days past due for XXXX now too. Which is COMPLETELY WRONG!!!
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (CA)

Sent numerous notarized interventions to this creditor on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they have yet to respond to this erroneous account with any validation and/ or removal of account. Filling a XXXX  complaint against this creditor as well.
Consumer complaint received 2021-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

My mortgage company 's " Loan to Value LTV calculator '' is incorrect and deceiving. 
Attempting to pay a lumpsum to bring my mortgage to 78 % LTV in order to remove my mortgage insurance, using the provided " Loan Calculator ''. I submitted in excess the required amount to reach 78 % Loan To Value, yet the Loan Calculator is now displaying a new amount to reach 78 % loan to value. I previously experienced issues with this bank regarding their failure to submit my property taxes on time.
Consumer complaint received 2021-11-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I was issued a check by XXXX XXXX XXXX in the amount of {$20000.00} ( check number : XXXX ). I endorsed the check and my husband made the deposit into our joint bank account with Bank of America on XX/XX/2020 and said check cleared on XX/XX/2020. The check was deposited into out joint account with Bank of America ( which the bank has since closed ) account number ending in XXXX.Peculiarly on XX/XX/2020, Bank of America sent notice to us that Bank of America was debiting {$20000.00} from their account because someone had attempted to re-deposit said check again. We deposited said check only one time and did not make a second deposit of the same check. We tried for months to get answers from Bank of America but they refused to give us any answer as to why they stole {$20000.00} from our account. They refused to provide us with any and all information. Finally, on or about XXXX of this year, we asked our attorney to personally contact Bank of America to obtain clarification as to this error. After hours of being on the phone with multiple agents, Bank of America was unable to produce a clear answer as to why it debited {$20000.00} from our account and refused to provide any information even to our attorney. Further, the bank was unable or refused to provide an explanation as to where the {$20000.00} is currently being held. 
Our bank statements correctly show that the check in questions was deposited only one time into our account in XXXX of XX/XX/XXXX. Bank of America directed us to file a fraud claim with the check issuer. After hours of compiling a fraud claim packet and speaking extensively to the check issuer, XXXX XXXX XXXX, it was unable to proceed with the fraud claim investigation. This was due to the fact the check in question was deposited only one time. The check issuer was perplexed as to the reason Bank of America direct my husband and I to file such claim in the first place. XXXX XXXX XXXX does not show any attempts to deposit this check more than one time or into more than one account. XXXX XXXX XXXX records indicated that said check was cashed into a Bank of America account on XX/XX/2020, and never again after that time. 
Moreover, XXXX XXXX XXXX does not have a returned check from Bank of America or any information that would indicate the check was cashed/deposited more than once. It is clear that an error occurred on the part of Bank of America and for well over a year my husband and I have been damaged through those errors. We want to know why Bank of America stole {$20000.00} from our account and why it continues to refuse releasing the money back into our account. We are elderly and on a fixed income we want answers as to were all our money has gone to.
Consumer complaint received 2022-09-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MO)

I applied for a XXXX credit card and was denied because of bad debt that was reported from XXXX. I have perfect credit so this was a shock. I have received phone calls and bills stating that I owed money in the amount of {$1400.00} to XXXX XXXX XXXX XXXX I spoke to Midland Credit Management and informed them that this wasn't my debt. I didn't initiate any transaction through XXXX. 

I have in the past requested documentation with no resolve.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am inquiring about XXXX  XXXX XXXX [ account number XXXX. Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) and provide me with the date of first delinquency, the FCRA compliance date and the name of the party who reported the date of first delinquency.
Consumer complaint received 2021-09-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (IL)

I had made a reservation with a resort in XXXX called XXXX XXXX on XX/XX/XXXX in the amount of {$1100.00}. I made the payment through PayPal. XXXX XXXX had a cancellation policy promising a full refund if somebody needed to cancel because we were in the middle of a pandemic. I had to cancel my reservation due to travel restrictions and a XXXX emergency. XXXX XXXX sent me a cancellation confirmation email promising to issue me a full refund which I never received. I filed a dispute with PayPal on XX/XX/2021 and after their investigation they told me the reason they were denying my dispute was because it was my banks responsibility not theirs. So I contacted my bank ( XXXX  XXXX XXXX ) and filed a claim with them and after their investigation they said no, it was PayPals responsibility to handle the dispute not theirs because the payment went through PayPal so my bank denied the claim. So I contacted the resort multiple times over the last couple months and they did not respond. I contacted PayPal again today and told them the situation, and they said I was outside of the 180 day dispute window even though I disputed the transaction 30 days after the transaction was made. ( Well within the 180 day dispute window ) The customer service representative I spoke to today said after reviewing the dispute the reason it was denied was because it was filed under the wrong category of merchandise not received not a refund not received. I was never told that originally when my dispute was denied months ago, I was told it was denied because it wasnt their responsibility it was my banks. So because of their mishandling of my dispute and giving me misinformation, not processing my dispute properly, and refusing to allow me to appeal after it was denied I am outside of my 180 day dispute window and they are saying theres nothing they can do to get my money back.
Consumer complaint received 2017-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (LA)

I started receiving alerts on my Experian credit report and noticed that there were inquiries that I do not recognize. As I researched the inquiries I noticed that they are from banks for auto loans. I already have a car that 's paid for, so there 's no reason for me to apply for auto loans. I ask that this issue be investigated. If you find that these inquiries do not belong to me, I DEMAND that you delete them immediately. If these inquiries come back verified then I DEMAND PROOF of verification because I never authorized these inquiries. The inquiries needed to be removed are : Credit acceptance XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2020-06-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I disputed that Portfolio Recovery was first an inaccurate account. It was collection purchased from XXXX XXXXXXXX that was taken off my record then recently put back on questionabley? After realizing it would take to long for me to clear them via dispute I called and made a settlement agreement to close the case and payed the amount via debt card. They now say I owe them another payment that is significantly effecting any chance of building better credit when an agreement was set. They reported to all three and tarnished my record. This is a complete violation of privacy and trust. I have proof that the account was paid in full and money was taken from account. I feel extorted from the phone calls to the lies to the more payments and now i dont know if my credit will ever reflect my honest payments. I have gotten nowhere and need immediate relief!
Consumer complaint received 2021-04-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Nelson and Kennard (CO)

I received a demand letter on XX/XX/2021( all doc attached ) stating I owed {$2100.00} for File # XXXX, acct # ending XXXX. I paid {$150.00} XXXX proof of pymts also attached XXXX. Then the next letter XXXX rec 'd 8 days later said the same file # and acct # now had a balance of {$1200.00}. They either are fraudulent or completely incompetent, but I kept paying based on the last letter. I paid on XX/XX/XXXX, {$150.00} and just paid on XX/XX/XXXX, another {$150.00}. Then today I get a thing in the mail showing the court is notified I defaulted on an agreement to pay. I agreed to pay but will not make another payment until this company agrees that all is owed now is the following, based on their last letter and the pymts made since : Letter sent on 2/17/21 stated amt owed is {$1200.00} Pymt of {$150.00} on XX/XX/XXXX Pymt of {$150.00} on XX/XX/21Pymt of {$150.00} on XX/XX/21That leaves a total owed of {$790.00} Any amount over that can not be trusted as this company sent XXXX completely different amts within 8 days of each other so I will take the lower amount, which is the last letter they sent me. I will also be sending all of this info to the court as well.
Consumer complaint received 2021-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC (AZ)

Attempted to close my account with Indigo and they claimed that the card was opened under a different social security number and refuse to close my account. All of the other information matches such as address, name, birthdate etc so they are still reporting to the credit bureau under the correct social but refuse to close my account after I have validated all of the previous information. I went back and validated that my original processing has the correct social so this has to be an error on their part. This error on their part is garnering them yearly fee 's and they are offering no reasonable resolution to the problem. I believe the account was opened in XXXX and I attempted to close the account on XX/XX/XXXX and was told I was unable to close the account. The card is an Indigo Platinum Mastercard through Genesis FS Card Services, XXXX XXXX XXXX, XXXX, OR XXXX Customer service number : XXXX.
Consumer complaint received 2021-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Santander Consumer USA Holdings Inc. (NC)

I after multiple partial payments I was contacted to submit a late payment. I called back that same day and spoke with a representative who approved my payment amount and future payment arrangement. She advised that because I was submitting payment and making arrangements there would be no negative hit to my credit. I was transferred to submit payment via phone, which I did. Two days later I notice the same balance. I submit payment again via internet. The next day I receive a call to collect more. I was advised that there were no notes in the account pertaining to any payment arrangement. I was transferred again to set up arrangements. This was completed. The next day I see that my credit reports were down 50+ points. I call back. The representative advised that there were no notes regarding the 3 previous interactions. I was transferred again to complete the payment arrangement request. The rep told me that I had done everything needed, he saw the notes and that they [ the company ] didn't do their part in emailing me the new agreement. He then drew up a company complaint and filed it for me stating that arrangementwas needed due to COVID layoff and maternity leave lack of income - same as I told every other representative I spoke with. I received the new arrangement via email and signed it while we were on the phone. 
To this point, I've been denied housing due to this credit report hit that we have seen and all of this due to company negligence, as I advised the reason I needed to make sure my credit was not effected and was assured multiple times that it would not be.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XXXX XXXX I sent letters indicating all updated personal information after name change. With all appropriate documentation. 

No response or reflection ever appeared on my reports. Fast forward to today, XXXX months after my XXXX  has been discharge my credit score dropped XXXX points to pre-discharge range ; after it had been slowing increasing for over two months. 

I have no open accounts, no new credit, no payments to miss or be late. But I did in the last month secure a co-signer which would have enabled me to get out of being homeless and now I have been returned to a pre-discharge state. 

These action happen to more than just me, in a plethora of varieties and these agencies lord over the futures of hardworking individuals and dictate the livelihood of millions of consumers and citizens with no recourse or responsibility for their actions. 

# stopthem
Consumer complaint received 2024-04-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Onity Group Inc. (GA)

Yes, I truly am struggling to pay my mortgage. My XXXX has had a XXXX and I'm currently unemployed. 

My true issue is regarding a insurance claim on my home. My insurance is lender placed, so I am starting this process with my mortgage. I've asked them to contact the insurance, they have. An agent named XXXX left a XXXX on my cell. I call the mortgage and both the insurance and customer service department kept switching my call back and forth because no one knows what they are doing. I'm already very upset to say the least. 

I need to know why the insurance isn't send additional funds to me. When and how much is what I need to know. 

I am also having issues with the XXXX of XXXX regarding my home. I can't fix anything without any money. 

PLEASE HELP!!!
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I'm in disagreement with the accounts listed below, which still appear on my credit report even after your investigation. These items must be re-investigated immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These accounts are hurting my ability to obtain credit and are highly injurious to my credit score. It is my understanding that in accordance with the Fair Credit Reporting Act, Public Law 91-506 Title VI, Section 611. please provide the names and business addresses of each individual and items of contractual documentation of whom you verified above, so that I may follow up. Also, please send an updated copy of my credit report after your re-investigation.