davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I charged a deposit for a stay at the XXXX XXXX XXXX in XXXX XXXX NJ. On XX/XX/XXXX I charged a deposit of {$720.00} to hold my hotel stay for XX/XX/XXXX. Due to COVID-19 I have to push my stay until XX/XX/XXXX. My family has decided because of COVID we were going to cancel the reservation. The hotel was fine with it and refunded my money to the debit card I used to make the reservation ending in # XXXX. The problem is that sometime between that charge and now I lost that card and a new card with a new number was issue to me. The new card and the card ending in # XXXX were both attached to my same bank account ending in # XXXX. However, because of the amount of time between the card being lost and now the card is no longer attached to my account # XXXX. The hotel is unable to refund any other card and the bank is unable to retrieve the funds from the old card because it has been too long according to them. So I have a hotel that wants to refund me {$720.00} and a bank that is unwilling to get me those funds. How do I get my money back?
Consumer complaint received 2019-08-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NV)

Yes i received a letter today from Navient that my account is under review for litigation for a balance of XXXX and I have 15 days from the date of the letter to respond. My mother and I took the private loan out in XXXX XXXX when it was sallie Mae when I was attending college in Illinois. I have made payments throughout the years when Navient had a “program” called interest only payments where Navient lowered my payments to what I can afford. Then as of XXXX  XXXX Navient says they no longer have the program and can not help me or my mother and pay now or else. I was paying XXXX  per month now this year my payments jumped to XXXX  per month due to “interest.” When I ask for documentation for the program no longer existing or other program options or even loan term agreements they refused to send documents to me via mail. They continue harassing my mother and with threatening calls as well. I want to this to end immediately and to come to a agreement where I can afford my payments based on my income. Thank you for your time and patience!
Consumer complaint received 2018-07-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (MO)

Disputed with the company multiples times, also XXXX XXXX sent out letters on my behalf at the beginning of the year with no response so I sent my last and final validation letter on XX/XX/XXXX. Company received my disputes on XX/XX/XXXX as it shows according to the certified mail tracking. It is now XX/XX/XXXX and I've yet to hear back from the company. The FCRA gives the company 30 days to respond, I have not gotten a response. The bureau did not provide a written contract between myself and XXXX.
Consumer complaint received 2020-11-30
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (TX)

I submitted a request for loan modification on XX/XX/2020. I was advised of additional documents that I need to submit, and I agreed to submit them within the given timeframe of 30 days. I was about to submit the additional documents they require from me, when I found out that they have already closed my application, wherein it hasn't been 30 days yet.
Consumer complaint received 2018-07-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (MS)

XX/XX/2014 I was used in court I never received notice or letter to go to court to defend myself, my bank account was garnished two time for a balance less than a dollar, the bank charged me a XXXX fee both times and placed a hold on my account. I didn't even get a notice from the bank, I received a letter by request from the company of triple charges and fees on 2 charged off credit card accounts, false signatures, and no full validation of these debts, I started making payments out of fear of my bank account being over draft or placed on hold, I have checked with the credit bureau and there is no listed debt or delinquencies.
Consumer complaint received 2018-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

I have an account with XXXX  XXXX ( XXXX ) which I pay for services monthly. I tried twice to report my new address but it is saying technical difficulties. I did report change of address to all three credit companies. My report is showing my old address as a current and past address.
Consumer complaint received 2023-01-11
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Westlake Services, LLC (FL)

To whom it may concern a wrongful repossession occurred XXXX XXXX  at my residence i the request of West Lake Financial Services on the morning of XX/XX/XXXX actions was taking place no court order was given prior to the repossession at said residence and a letter was sent out to them to correspondence via registered mail in. Seeking validation of and stating that it was not refusal to pay off the account but notice sent to them seeking information also requesting that no calls may given to me nor third party requesting to speak to me until notice to cure which is another violation I also they have violated my consumer my rights and caused damages to me financially and emotionally towards me my XXXX and XXXX this is unethical practice towards me and XXXX. I purchased this vehicle back in XXXX with down payment {$1500.00} from XXXX I was told it would go towards the note which was false that is another Violation.
Consumer complaint received 2018-07-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OH)

I have been working on a few things that I disagreed with on my credit report. Everything had been investigated and I thought completed. I decided it was time to move forward to apply for my home and my lender said that Equifax was reporting that there were three things indicating that they were in dispute. I explained that they were no longer being disputed that I was under the impression once they reviewed the information and responded to the disputes it was closed. I was informed to contact Equifax directly and find out what was going on. I contacted them and explained that I wasn't disputing anything at this time and that I needed that verbiage removed. They refused to remove it. They said it is being disputed and I again told them it wasn't. They said that it would take about 30 days to remove the statements. I am extremely upset because my lender is unable to obtain a true report because of that verbiage and that company is the only one reporting that information.
Consumer complaint received 2018-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (MA)

I contacted Barclay card about lowering the interest rate on my account so more of my payment is made towards the balance, they refused and their reasoning is because the balance is to high. The purpose of a lower interest rate to pay down the balance. With the existing interest rate on the account the monthly payment is becoming to much and I will not be able to pay it next billing cycle.
Consumer complaint received 2023-04-06
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. (IL)

XXXX XXXX XXXX did a pull on my credit profile XX/XX/2023 XXXX XXXX also did pull on my credit prolife I did not request nor did I give permission for this company to obtain any of my personal, and do not give permission for the reporting of my personal information.
Consumer complaint received 2023-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (SC)

someone opened a credit card in my name at American Express and XXXX XXXX XXXX in my name fraudulent and I have called American Express and XXXX XXXX XXXX several times and told them I live in XXXX XXXX XXXX XXXX XXXX and to please closed these fraudulent account in my name. They never did and now its showing on my credit file as fraud. I have filed a police report and FTC Report and lawsuit for Senior Abuse with the local XXXX XXXX in XXXX XXXX XXXX
Consumer complaint received 2024-03-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (PA)

I made a purchase through cash app to XXXX  for phone on Monday the XXXX. The correct charge was XXXX. That went through and 3 minutes later They took a payment for XXXX. I contacted them immediately they said I need to make a claim which I did. Provided all the proof ( even from XXXX of them not receiving any payment in the amount of XXXX ) cash app denied my claim saying they spoke to T-mobile and confirmed it was a valid charge. I then contacted XXXX and had them search by card number and they again, verified no payment In the amount of XXXX received. Now cash app is refusing to give my money back
Consumer complaint received 2019-08-18
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. (NC)

I am an XXXX Military XXXX  that works with XXXX. Therefore, my duty station changes and the type of position I hold, it is extremely hard to take off to handle business. Therefore, I rely on snail mail and the internet to conduct business. My complaint is with XXXX credit services and Equifax. I have submitted certified documents (social security number, mortgage statement, and driver's license) that were notarized proving my current and accurate address of where I live. And I have requested to have old addresses removed from my credit files due the old addresses are not deliverable to me by the U.S. postal services, and they are not reportable as per the FCRA, since they are inaccurate. Also, I have submitted identification documentation certified showing my name does NOT have a suffix. I have submitted my first dispute on XX/XX/2019. No response or update within 30 days. I resubmitted for the second time XX/XX/2019 on the Equifax and XXXX  website. As of today's date XX/XX/2019, still no response or update within 30 days from Equifax nor XXXX. Now, I am requesting this be rectified through CFPB. As a military XXXX    that holds a XXXX-XXXX   XXXX, it is imperative that this is resolved before I become a victim of theft identity. Thank you
Consumer complaint received 2020-04-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (KY)

Select Portfolio Servicing which is more or less a bill collector they bought this mortgage from a XXXX they are doing the same thing fraudulent billing incorrect billing not being credit for payments made and I have a bankruptcy attorney and they charged me for quotes for a little drive by well that's against the law when you're in the process of filing bankruptcy if everything and have no mess they're taking advantage of someone that is XXXX and elderly and the information is incorrect I keep trying to tell them over and over getting nowhere as usual same as XXXX!! fraudulent billing, not being credit for payments made, change late fee when payment has been made on time!! They know I have a bankruptcy ATTORNEY and still lie breaking laws! Can not change me with there fraudulent charges!! Taking advantage of XXXX and elderly You busted them when it was XXXX morg!! Select Portfolio Serving in not even credited mortgage company They are a bill collection com.. 
I really need something done they're taking advantage of some of that is XXXX an elderly!! They know about my attorney but yet they still charge my account for something that they didn't even do they have everything I need my attorney 's name number address everything we've been through this with them I have too many times I don't need this please help me I want something down with this company I know I'm not the only one they are no different than XXXX mortgage fraudulent charges I don't know anything that they say I owe over billing don't get credit for payments being overcharged for late payments when I'm not late they know do not call me, attorney but they still call me I can prove that
Consumer complaint received 2022-08-12
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. (NJ)

As per FCRA Section 611 ( a ), it is clearly stated that failure to investigate these items within XXXX  days gives reason FOR IMMEDIATE DELETION. I have sent a letter on XX/XX/2022 regarding inaccurate and unknown items on my credit report. To this day, over XXXX  days later, I have not received a response. FEDERAL LAW requires you to respond within XXXX  days, It has now been over that period since your receipt of my letter.
Consumer complaint received 2022-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

As per FCRA Section 611 ( a ), it is clearly stated that failure to investigate these items within XXXX  days gives reason FOR IMMEDIATE DELETION. I have sent a letter on XX/XX/2022 regarding inaccurate and unknown items on my credit report. To this day, over XXXX  days later, I have not received a response. FEDERAL LAW requires you to respond within XXXX  days, It has now been over that period since your receipt of my letter.
Consumer complaint received 2023-03-24
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: EQUIFAX, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (TN)

I received a phone call on my personal number saying that I now had an upcoming court date. The number was a XXXX area code, the same as mine, but I was supposed to call back an XXXX number. They stated the court case number in the message. They also called my employer, and left the same message, revealing my court case to my employer. I have not been previously notified of this debt, nor did I have any knowledge of it. They claim this is a credit card from XXXX XXXX in 2009. I contacted XXXX XXXX and they did have a record of me having a credit card, but that I paid the amount owed in full and they had no record of having to sell it to a debt collector. When I talked to the collector on the phone, they put me on hold to speak to the original creditor, and came back with a settlement agreement which they then emailed to me. I googled the name of the company- XXXX XXXX XXXX XXXX XXXX and was unable to find anything. I also did a reverse look up on the phone numbers given to me to contact them and couldn't find anything. I emailed them back asking for proof of ownership of this debt, and their response was that they were unable to provide it as the " discovery process '' was already over, even though this was the first time I had been notified of this debt. I am at a loss for what to do, as they claim the original creditor was XXXX XXXX, and I spoke to them and they have no record of this. I also feel that it is illegal to give out a court case number to my employer and leave it in a voicemail that anyone could have heard.
Consumer complaint received 2020-10-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates (MO)

Mitchell D. Bluhm & Associates were shes in 2016 for violating Fair Debt Collections Practices Act. They have placed a collection on my credit report without proper written or call notification of an alleged debt from more than 5 years The debt was never verifiable, validation nor written communication providing an estimate barred date was not given. This is a scam company that has violated the Fair Debt Collection Practices Act ( FDCPA ) that has placed a collection on my credit report without proper written notification of an alleged debt. This is horrible that this even allowed.
Consumer complaint received 2018-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I reported to XXXX ... and transunion of credit inquiries from XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX mortgage and auto lenders inquiries that I didnt authorize ... these inquiries should not be on my credit report
Consumer complaint received 2024-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (IN)

In XXXXXXXX XXXX XXXX  transactions were made on my account that I did not authorize I immediately contacted chime and replaced my cards. They have not disputed the right transactions or all of them that I filed over and transactions are missing online that I have screenshots of proving this matter and I'm always on the phone for over an hour and get hung up on. The last time I tried to resolve the issue I requested proof of all the transactions and documents on the disputes I filed for and reason to why it's taking so long to settle them and what happened to all the missing transactions and I just get a run around now I'm seeking further help.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

HOLD UP!!! WAIT A MINUTE!!! This is my 2nd attempt at respectfully trying to achieve a lawful resolution to my situation. I've asked on 2 occasions to have an investigation of an item that is reporting inaccurately on my credit report removed. My complaint was closed ( XXXX ) as the credit reporting agency EQUIFAX is using a stall tactic claiming that I am using a 3rd party to submit this request and that additional authorization is needed. I am reopening my case offering my statement as proof that no such 3rd party exists in submitting my dispute. I've recently received notification from this credit reporting agency that the inaccurate information on my consumer report continues to report as being verified. There is NO WAY that this can be true. I am invoking my rights per the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D for the credit reporting agencies to PROVE that they have actually DONE an investigation and not just submitted a response per a computer-generated document. These erroneous entries are detrimental to my overall credit rating and have caused me severe financial and emotional distress. This complaint is not being submitted through a 3rd party and by NO MEANS are there any additional authorizations needed for my inquiries to be addressed. I immediately demand that the entry that I have disputed be permanently deleted from my consumer report as it is reporting incorrectly. Should EQUIFAX refuse to do so, I will have no choice but to continue invoking my rights under the Fair Credit Reporting Act, Section 616, to pursue legal action to make me whole.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

The account you are reporting is identified as late payments even after repossession which is factually incorrect. Youre also reporting a deficiency balance even after receipt of GAP insurance for loss. Information is also incorrect across bureaus. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file immediately. 

XXXX  Toyota XXXX XXXX
Consumer complaint received 2023-03-24
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: EQUIFAX, INC. (NJ)

I checked my credit report and found that some of the data were incorrect. The 3 credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-10-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (TX)

For the past two months American Express has made repeated calls ( 8-10 per day ) often at XXXX XXXX to a number that I have expressly told them not to call. They also employ a collection agency to call and attempt to collect on the same debt causing even more calls to come in. I have attempted to schedule payments and between the two companies there is no communication so the payments were never drafted.