davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (PA)

As per the attachment, this loan was paid off on   XX/XX/XXXX . On  XX/XX/XXXX , t he PMI monthly premium was deducted for  XX/XX/XXXX . This should not have been deducted. As you can see on  XX/XX/XXXX  the PMI for  XX/XX/XXXX was already deducted. Why was I charged PMI for  XX/XX/XXXX when the loan closed on  XX/XX/XXXX ? I have made many calls to shellpoint to ask for my refund and have been told that this deduction should not have been made and that my refund is being processed. I do n't believe them any longer.
Consumer complaint received 2017-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (IA)

I was not made aware of the fact I 'd need to reapply for the IBR plan and have therefore paid over {$400.00} more each month than I was last year. I 've begun the process of reapplying but I am unable to upload any information electronically because of Navient 's inability to process tax information and therefore can expect a minimum of another 2 months before my application is accepted. By the time all is said and done, I will have paid over {$2000.00} as a result of lack of communication, maliciousness, and/or incompetence on the part of Navient. This is ridiculous.
Consumer complaint received 2017-06-08
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (IA)

I was a loyal Best Buy credit card holder for years. I used my in-store credit to make purchases at Best Buy, which also let me pay with no interest on certain items, very handy. Last year Best Buy, in conjunction with  Citi, enabled these Best Buy in store cards to morph into a credit card. Here lies my issue ... .no action needed on my part. So, after forgetting about the issue, my card turned into a Citi Visa able to charge wherever Visa accepted.  So of course I used it ... my interest rate is 24.99 %. I find this wrong, in that, by letting them use the no action on my part, to constitute permission, to turn my in store card to a credit card usable anywhere. Here, guy with a drinking problem, here is a bottle of  XXXX   XXXX , you do n't have to use it, but feel free to if you want to!!   This should be illegal ... ONLY with a customers consent should they have been able to do this switch, not just because of inaction on my part. I would have done nothing otherwise. My credit is good, I have no issues paying for this ... but, its wrong. Wrong on top of wrong. Doubt guys at  XXXX   XXXX  thought much of what they were doing at the time as well.
Consumer complaint received 2017-08-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GULF COAST COLLECTION BUREAU, INC. (GA)

This company repeatedly uses an autodialer to contact me on my cell phone. I only know the company name because I XXXX the number. They call and if I answer all I hear is hold music or if they leave a voicemail it is hold music for a good minute until someone picks up and starts talking. I am a XXXX veteran and have been diagnosed with XXXX and because of this companies tactics to autodial I miss out on getting important calls from my medical team. I have never received written notification as to what this is comcernimg which they are required to do.
Consumer complaint received 2021-10-09
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: FC HoldCo LLC (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please REMOVE the following accounts completely from my Credit Report : XXXX XXXX XXXX, XXXX XXXX, XXXX A XXXX XXXX, XXXX XXXX, XXXX CARD XXXX
Consumer complaint received 2017-06-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NJ)

On Tuesday  XXXX  some items were presented to my account to cause it to overdraw.   Money was transferred from my ways to save account to my checking account to prevent this The amount I was overdrawn was {$13.00} and change, and the bank transferred {$54.00} from ways to save  One of t he items was an ach payment to   XXXX   XXXX   which was in a pending state, so no need to transfer funds that day, as I could still make a deposit that day once I received the alert.   I did make a {$40.00} deposit that evening While item was still pending.   I was charged {$12.00} for this privilege to move my own money!!!   I complained to the bank about this, and said I wanted the {$12.00} returned As I had made enough of a deposit to cover overdraft. I also had a direct deposit at   XXXX   XXXX   for  XXXX  dollars!!!   The bank returned {$3.00} to me from the {$12.00} fee! I complained several times, and just got double talk.   I am sick of this bank, and their fraudulent ways of making money!   I want the balance of the {$12.00} that they took from me returned.   They have stolen tremendous amounts from me over the years in overdraft fees Due to how they present payments ( high to low order.   Something needs to be done about stealing money from working people Pls help Thank you
Consumer complaint received 2022-01-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Public record information inaccurate
Company: HSBC NORTH AMERICA HOLDINGS INC. (NV)

Beneficial/HFC never released from the title of my home the lien that was discharged in Bankruptcy on XX/XX/11 for years we have been trying to refinance our home and still can not do anything as we have no way of contacting them.
Consumer complaint received 2017-06-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAVALRY INVESTMENTS, LLC (IL)

Cavalry SPV, LLC continues to call my cell phone many times, So much so I had to block them. They would at first not tell me who they were, ask me for personal information and when I refused to give it would tell me that they could not tell me anything more. I got someone to finally tell me what the name of the company was. At that point I stated I do not know who they are, have not accounts with them and to stop calling. I then blocked them.
I then started to receive statements saying I owed them money. Do n't know who these folks are. and when called I get " what is your name and social security number '', Sorry, I do n't know them, so nope.
I look at my credit report, they are reporting I owe them.
I get a letter from an XXXX XXXX XXXX, stating they are contacting me on behalf of Cavalry. I send a letter back asking for proof of the debt to Cavalry. ( XX/XX/XXXX ). The response letter (XX/XX/XXXX ) shows oldXX/XX/XXXX statements from XXXX, along with a generic sale slip of who knows what, as my name is no where on it. And any possible telling information is blacked out.XX/XX/XXXX- I call XXXX to ask about any accounts I have with them. I am told that I need to call an 800 number. I tell the lady that if the account was with them why could n't they tell me, or connect me to someone. Or does it show they closed the account? sold the account? anything? she said she can not see it. I ask to please be transferred to someone who has access to that information. I get sent to an account manager. The manager then tells me she sees nothing under my SSN or name. That I have no debt with them. I ask about in collections. She tells me that she would see if they had any collections activity in the file, and she sees nothing. I ask how I can prove this, did they have a paper they can send me? no. since I have no accounts she ca n't send anything.
And I should check my credit report to see I have not reports from XXXX. I do, and see Cavalry has a collections against me, prompting me to check the county courts. I see now I have a court date, that I have not been made aware of coming up. I will dispute this in court now.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

The company XXXXXXXX XXXX is reporting late payments every single month on an account that has been closed. I have reason to believe this company has an intent to charge this account off of speedily. I noticed they notated XX/XX/2024 as " 90 days '' past due and the month XX/XX/2024 as 150 days past due. These behaviors are violations of the Fair Credit Reporting Act per 15 USC 1681s-2. Past due payments reflecting from " 60, 90, 150 '' days past due are not supposed to be reporting while an account is closed. XXXX XXXX is reporting this information as if the account is still open. This is both fraudulent and malicious. The account is closed but also does not report a " CLS '' notation in the payment summary that will correctly indicate the account being closed. It just continues to report late each month eventually leading into " charged off '' status. XXXX XXXX appears to be reporting an inaccurate account with actual knowledge of errors. I believe they're furnishing this inaccurate information to my consumer report intentionally. XXXXXXXX XXXX is reporting this information unfairly and illegally. Please see supporting documents attached to this complaint.
Consumer complaint received 2017-06-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lockhart, Morris & Montgomery Inc. (NY)

Upon careful review of my credit reports I found a collection agency attempting to collect a debt without providing me any written or verbal communication to dispute this item. I have no knowledge of this said debt nor did I open account with this company or the company they are trying to collect for. No contract.     Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation, which is binding on me to pay this debt.  Below are a few questions, which may help you to resolve these mistakes.   <P/> You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. Im sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state and federal agencies.  <P/> In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt.   Agreement that bears the signature of the alleged debtor wherein he agreed to pay the creditor.   Any insurance claims been made by any creditor regarding this account.   Any judgments been obtained by any creditor regarding this account.
Consumer complaint received 2018-03-22
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: AMERICAN HONDA FINANCE CORP (NY)

I am writing presently in wish to gain your help. Presently I am working on examining my credit, paying down my balances, and pursuing greater credit worthiness. You play a very important part in this procedure. I am asking about the account number referenced in this complaint. I see you have reported me 30 days late to the credit agency ( XXXX, XXXX  and XXXX ) on XX/XX/2017 and I am submitting this in order to have this remark took back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.
Consumer complaint received 2021-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (PA)

Credit Collection XXXX has listed false, misleading reporting on my credit report. I have no contractual obligation with this company. I have never paid this company. Yet they insist on reporting negative information that is in violation of the FCRA, FDCPA, and defamation of my character. I intend to sue for false reporting.
Consumer complaint received 2023-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AXOS FINANCIAL, INC. (AK)

My business partner and I have had a business checking account with Axos Bank since late XXXX. I work overseas and have had repeated problems with Axos locking me and my business partner from our account after I attempt to log in from non-US locations. I have communicated with Axos business banking " support '' personnel approximately once per quarter for the last three years, explaining each time that I am logging in from overseas and using a VPN that typically connects to one of several XXXX countries. Each time the " support '' personnel tell me that this information will be documented so the lock-outs don't happen again, and each time the lock-outs continue to happen. This occurred most recently on Wednesday, XXXX XX/XX/XXXX. After an hour on the phone with " support, '' I was told I needed to contact business banking " support. '' Another 1.5 hours were spent with business banking " support '' on XXXX XX/XX/XXXX, at the conclusion of which nothing had been resolved and we were told we would receive a call with further information. No call was received. No emails were sent. 60 hours later we are still locked out of our business checking account, and Axos has provided neither information nor remedy, nor have they provided any contact information for further resolution. This should be a simple problem to fix, and yet Axos has not only been unable to fix it, they have blamed third-party security providers for the problem. The length of time that it takes to resolve simple log-in issues is unacceptable and directly impacts our business productivity. A basic tenet of banking rules is that customers can access the funds which they trust the bank to hold for them. Axos has removed our access to our our own funds, impacting our ability to conduct business and to prepare taxes within a timely fashion and effectively stealing approximately {$12000.00} from this customer 's business.
Consumer complaint received 2017-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was unable to dispute these new claims online with  XXXX . I was not allowed access using my credit report number. I did not request any personal statement. The personal statement " FILE FROZEN DUE TO STATE LEGISLATION. '' I want removed.     I want the  XXXX   XXXX  account that was closed in  XXXX  removed as well as the negative statment " This item was updated from our processing your dispute in  XXXX   XXXX .     I want the  XXXX   XXXX    XXXX   statment in the comment section removed : '' Account previously in dispute-investigation compelte, reported by data furnisher. '' These claims paint me in a negative light when I work very hard to keep my credit information pristine and accurate. Why does  XXXX  make it difficult or impossible to dispute and access my credit report online using a free credit report?
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Upon careful review of my Experian Credit Report I foun d 3 b ankruptcy 's in my file under my name. I have reached out to Experian on numerous occasions and spoken with several representatives from both offshore and in the special handling departments. Experian has failed to VALIDATE these said bankruptcy 's listed in my file. I have made contact with Experian by mailing in certified letters that included a letter from the  Federal Courts in G eorgia stating they DO NOT REPORT ANY INFORMATION TO THE CREDIT AGENCIES. However Experian continues to break the law by reporting inaccurate information in my files.  <P/> Attached you will find my prior compliant to Experian which did not result in any resolution as Experian claimed they were unable to locate my file. You will also find the court document I received after inquiring on their procedures for VALIDATING bankruptcy information.  <P/> Experian has claimed to receive this information from  XXXX   XXXX . I also made contact with  XXXX   XXXX  and received written communication that my file with  XXXX   XXXX  has been suppressed and blocked from anyone attempting to receive third party information since    XXXX   XXXX  . However   Experian has listed on my credit reports that public record information was received on behalf of Vender  XXXX   XXXX , Experian continues to maintain this lie to all consumers. Please see attachment.  <P/> Experian refuses and fails to comply with FCRA and they are storing and reporting information that is inaccurate. This is why I am forced to file a compliant as Experian refuses to listen to the consumer.  <P/> Experian has lied to millions of consumers by stating they have verified public record information with the courts, my attachments from the courts will explain that the courts never communicated with Experian and in fact states that the courts DOES NOT REPORT ANY INFORMATION TO ANY CREDIT REPORTING AGENCY. I am hoping that the CFPB can get involved with this process to help enforce the law and help protect the consumers.  <P/> In addition my file was impacted in a negative manner due to Experian mixing my file with another consumer with the same and similar name. Due to the constant inaccurate reporting I am now filing this compliant.  <P/> Please see all attachments.
Consumer complaint received 2021-10-09
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2023-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I have two accounts with Bank of America. One account is a checking account ending in XXXX. The other is a savings account ending in XXXX. 


I was the victim of identity theft, and had been unable to access these accounts for many months. I have placed two complaint with this agency, and had to this date not received a response. However, I cant say that they were able to completely lock my XXXX account and I have not been able to get any information at all on anything and they have also been able to tell me invalidate my phone numbers. 

There is at least {$2400.00} worth of outstanding money that the thieves should not have been able to obtain. Apparently they even spoke to Bank of America fraud department and were able to get fraudulently looking. Looking transactions approved as if they were me. 

I would like someone to contact me at their earliest convenience. I would like these charges investigated and the criminals prosecuted.
Consumer complaint received 2022-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated (TX)

I have contacted consumer adjustment company involving a debt that they claim I owe that was taken In my name without my approval authorization and or knowledge I have sent over the required documents requested to dispute this item as fraud. The company removed the items from my XXXX  and XXXX and however has failed to remove the item from my XXXX report.
Consumer complaint received 2016-07-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

I am filing this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify these inquiries and accounts, being that they have gone past the allotted days and can not verify these inquiries, under section 611 ( 5 ) ( A ) of the FCRA. They are requested to " promptly delete all information which can not be verified. '' Please resolve this matter as soon as possibly, Thank you