davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-14
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. (AR)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report.
Consumer complaint received 2021-03-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/2021 bank of america closed my business account. With no explanation but it was a business decision. I had a transaction from a customer of mine go into my account for XXXX. My customer had sent me the money to buy him his product but had explained to me that he sent it from a joint account with his wife. So his wife called their bank regarding the money. So I called my customer and he said he went to his bank on Friday the XXXX to let them know everything was okay. He had sent me the funds nothing to worry about. They told him it would be 3 business days for everything to be taken care of. Bank of america did not even wait or investigate what was going on. Did not even give me a chance to fix the problem. Which I was in the process of doing. They closed my business account the very next day after this happened. Sent me a letter stating they were in the process of closing it and it would affect my ability to open another account with them or any other financial institution. I called bank of america and they told me it was closed on the XXXX of XXXX. I called my customer and he was mad because he was helping me fix the problem. Bank of america to me rushed into a conclusion about the funds that is very bias. Not once did they try to wait on the problem to be fixed.
Consumer complaint received 2021-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WESBANCO BANK, INC. (OH)

On XX/XX/XXXX I attempted to make a payment via the bill pay system. A new screen with the following language appeared : " We may use a secure, single-use bank card to make this payment. 

By completing this transaction, you hereby authorize us to process a one-time electronic debit from the account you provided, for each payment listed. The funds will be used to pay your bill ( s ) per your instructions given. If you have any questions regarding your payment or wish to revoke this authorization prior to the payment being processed, please contact Customer Service. Once processed, payment ( s ) can not be canceled or modified. Payments made after the cutoff on a business day will be processed the next business day. We recommend that you print/save a copy of this authorization for your records. Click Confirm to complete or Cancel to terminate the payment process. '' I could not submit a payment without consenting to these terms which seem confusing and far reaching. I immediately contacted the bank and asked the following questions : 1 ) Will customers know in advance if the single-use bank card payment option will be used? The clarity of the type of payment ( ie, check, electronic, single-use bank card, etc. ) being used in advance allows the customer to make an informed decision. 
2 ) Will the card recipient be able to contact the bank card issuer to request a check and/or transfer bank card funds to a bank account without incurring any fees?

3 ) What fees, if any, are charged for using this card and/or maintaining a balance on the card? 

I would like CFPB to help me get answers to these questions as well as review the legality of making such a change to bill pay without specific terms being shared with existing customers. 

I have contacted several people that receive regular payments from me via bill pay that have said they would not be willing to accept funds via a single-use bank card instead of a check or electronic payment. 

I want to know what rights I have to refuse the issuance of a single-use bank card on my behalf, especially without advance notice and the actual TYPE of payment displayed at the time of the bill pay transaction is CHECK or ELECTRONIC and not SINGLE-USE BANK CARD.
Consumer complaint received 2020-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (IL)

I was marketed to and told I was eligible for a bonus of XXXX points after I spent {$2000.00}. I was told this on multiple occasions. Once I spent the required amount and paid my bills on time and in full, I was told I was not eligible for the offer. The reasons given ( too many accounts open, etc ) do not apply to me. I deserve this welcome bonus
Consumer complaint received 2019-03-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CREDIT ACCEPTANCE CORPORATION (IN)

XX/XX/2019 Called Credit Acceptance to request monthly statements that would show a breakdown of what portion of my monthly payments go to principal and what portion goes to interest. Was told that because my loan was a " Compound Loan '' they could not provide me with a monthly statement showing these break-downs.
Consumer complaint received 2020-07-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Student Loan Care, LLC (NC)

Sometime 2 years ago a company called Student Loan Care contacted me and said that they would help me get my loans forgiven because I work for a non profit. They said that they would consolidate my loans and then get me into the forgiveness program as well as the payment by income program. They did consolidate my loans and did get me in the Payment program however they never got me in the forgiveness program. They also charged me XXXX a month for over 2 years now to be in this program that is actually offered for free from the government. I have filed Fraud charges with my bank to get stop payment started on them.
Consumer complaint received 2018-02-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION (DE)

I took out the loan in XX/XX/XXXX and my 2nd installment payment was not honored by my bank. When XXXX called me about the missed payment, I told them that I could not pay it in lump sum and the representative said that I could pay XXXX until the that installment was paid. I setup a payment for that day XX/XX/XXXX and then paid XXXX 9 times and the last payment of XXXX came out on XX/XX/XXXX. The original installment agreement also continued to extract from my account on the dates originally arranged. When I made my final payment XX/XX/XXXX. I was contacted immediately after stating that I had XXXX something balance. When I called and asked why, the representative mentioned that I had accrued interest that was not paid for from the missed payment. The representative said that when I setup the XXXX payments it was explained to me. I told the representative that it was not and she put a manager on the phone and he said he would review the call and get back to me. Nothing happened, except more collection calls. When I talked to the company again the same thing happened. I explained to the representative how the interest was not explained to me and that representative put a manager on the phone and proceeded to tell me again that they would review the call and get back to me. The next call I answered after that was from a collection agency. I talked to them a few weeks ago and they told me about the debt. I explained to them also the situation and they mentioned that they would XXXX know. I am trying to apply for a mortgage and my financial counselor noticed this on my credit and with me telling her what happened, we decided to file the complaint.
Consumer complaint received 2018-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA (MI)

On XXXX-XXXX-18 I emailed that XXXX XXXX tried to take the payment from my savings ( this has never been authorized. I setup the automatic payment to be pulled from my checking which has been pulling until the past couple of months ) and that because they pulled from my savings and not my checking that they caused me a {$28.00} fee from my bank and that now I will be charged a return fee by them. 

Their response " You can change the routing or checking account number from which your online credit card payment will be debited the next time you make an online payment. Simply select " Payments & Transfers ' at the top of the page. Click the " Add a new account link located under the " Form '' dropdown menu to enter the new designated bank account information. Once you click " Submit '' you will have the opportunity to immediately make a payment from the updated information. Please note, your new acct information will not be saved until you make a payment using it. If you need further assistance, please call us at XXXX or send us an email. 

My response through email " You are missing what I said. I did not at any time change it to pull from savings. I do not want to be charged a late fee by you. I also want you to refund the {$28.00} fee I was charged by my bank. You can do the research to see I authorized the payment to automatically be pulled from checking. I have NEVER authorized the payment out of savings. Please let me know when you will be refunding the {$28.00}. If you are not able to I will look to talk to a supervisor and possibly an outside company that can look into the fraud that has taken place.
Consumer complaint received 2018-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/2018 BOA paid XXXX XXXX XXXX dollars out of my escrow account. The XX/XX/XXXXpage which they received showed a policy total of XXXX dollars and a BALANCE DUE of XXXX dollars. BOA paid in error and has now held me hostage with a negative escrow account. Many attempts have been made to resolve the issue, but misinformation keeps being conveyed such as : We can not issue stop payments on checks ( re : they paid XXXX XXXX XXXX on a cancelled policy just 11 days prior ). They then issued a stop payment on their check to state farm. So which is it? You can or can't issue stop payments? They also lied about the date XXXX XXXX   cashed their check. XXXX XXXX isn't the real issue though, it's the state farm payment of XXXX they made in error and are too incompetent to rectify. I want my XXXX dollars back. I should not have to wait for whatever whacked out process they have which has to date been almost 20 days. They have funds to pay me into a negative state. They should use the same slush fund to pull money from to rectify their error and deal with state farm on the back end to fix the problem BOA created by paying a XXXX dollar balance statement. Meanwhile I am losing interest on the XXXX I had to pay out of pocket.
Consumer complaint received 2021-12-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2022-05-02
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. (FL)

My name XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2017-08-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

Hello, On X/XX/2017 I called and documented a phone conversation with my student loan service, Navient. I was inquiring about repayment options as the current payment has not seemed to reduce the over balance at all. Also, I have been paying diligently for the past 10 years and myself and cosigner have hit a point in our lives where we can no longer afford to pay the required amount each month. I was told there are no option available to me until my loans have been defaulted. Only then would they negotiate a settlement. This is not a reasonable option as it will negatively impact my credit score. So it seems, 1. I can not lower by balance making the current payment 2. I have to go into default to receive any option for settlement or reduced payment Thank you.
Consumer complaint received 2022-10-15
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: Resurgent Capital Services L.P. (GA)

XXXX notified me regarding LVNV FUNDING, CARE OF XXXX XXXX XXXX XXXX that information " HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION *ACTUAL PAYMENT *SCHEDULED PAYMENT *PORTFOLIO STATUS. '' Errors still exist on my credit report when I never had any creditor relationship with XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX was never my original creditor. XXXX XXXX XXXX XXXX does not appear in my credit file as an original creditor, charge-off, past due balance, amount owed, collection, etc owed to XXXX XXXX XXXX XXXX for an amount of {$1800.00} or any such amount. There is no debt owed to XXXX XXXX XXXX XXXX as my original creditor because I never had any creditor relationship with XXXX XXXX XXXX XXXX. XXXX failed to produce any documented evidence of how LVNV FUNDING, CARE OF RESURGENT CAPITAL SERVICES L.P a Debt Buyer Account is owed a past due amount of {$1800.00} for a debt owed to XXXX XXXX XXXX XXXX as the original creditor. There is no contractual agreement containing my signature to establish any creditor relationship that exists or existed between myself and XXXX XXXX XXXX XXXX. LVNV FUNDING, CARE OF RESURGENT CAPITAL SERVICES L.P is listed on my credit report for a Collection balance owed for a debt to XXXX XXXX XXXX XXXX as the original creditor that is an error. XXXX remains in direct violation of The Fair Credit Reporting Act ( FCRA ) and LVNV FUNDING, CARE OF RESURGENT CAPITAL SERVICES L.P remains in direct violation of The Fair Debt Collection Practices Act.
Consumer complaint received 2023-04-06
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. (OH)

All three credit bureaus have failed to provide me with any documentation as required by law with my signature or proof validating that I owe them for this debt. Below is a copy of the letter I sent to all three Credit Bureaus With none of them showing any proof other than they say it is so. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 



I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Verification XXXX Validate Account XXXX XXXX XXXX  * Please remove all non-account holding inquiries over 30 days old. 


Thank You, XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding inaccurate accounts that have not been removed from my credit report, despite the absence of proper verification procedures being provided for these " verified '' accounts. 

I recently obtained a copy of my credit report and discovered several accounts that are inaccurately listed. Despite disputing these accounts and requesting verification of their accuracy, they have not been removed from my credit report. 

Also, the method of verification for these accounts was not provided to me as required by the Fair Credit Reporting Act ( FCRA ). I have not received any documentation or evidence supporting the accuracy of these accounts, yet they remain on my credit report, negatively impacting my creditworthiness. 

I have made multiple attempts dating back to XXXX of XXXX  by contacting both the credit reporting agencies and the creditors associated with these accounts. i also sent all letters via certified mail USPS so i KNOW they received my letters.. 

However, my efforts have been met with inadequate responses and delays, resulting in continued harm to my credit score and financial well-being.
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern, This letter is a formal complaint that the following companies ( XXXX, XXXX, Experian ) are reporting inaccurate and incomplete credit information. 

I am distressed that the aforementioned entities have included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they've published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated and deleted from my credit profile. 

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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and delete from my credit report. 


The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 please correct
Consumer complaint received 2020-07-14
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX {$820.00} XXXX  XXXX {$640.00} XXXX  XXXX XXXX XXXX   XXXX {$100.00} XXXX  XXXX {$7700.00}
Consumer complaint received 2021-12-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KY)

ON THE XXXX OF XX/XX/2021 USAA FEDERAL SAVINGS BANK LOCKED ALL MY BANK ACCOUNTS DUE PREVIOUS ACTIVITY WHICH WAS CONSIDERED FRAUD. THE BANK LOST NO MONEY AND MY ACCOUNTS FINED ACCORDINGLY. THEY INFORMED ME I COULD NO LONGER BANK WITH THEM. CURRENTLY THEY ARE WITHHOLDING {$4200.00} OF MY XXXX XXXX XXXX. THEY SAID THEY WILL NOT RELEASE ANY FOR 60 DAYS. THIS WITH HOLDING OF MY FUNDS IS NEGATIVLEY EFFECTED MY ABILITY TO PAY BILLS AND MEET MY FINANICIAL OBLIGATIONS. I HAVE REQUESTED THAT THEY TRANSFER ALL MY REMAINING FUNDS TO MY OTHER BANK. TO DATE THEY HAVE REFUSED ME ANY ACCESS TO MY FUNDS,
Consumer complaint received 2022-01-15
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. (TX)

Ive contacted Experian on numerous occasions about them furnishing information i did not give them permission to. They are violating me as a consumer at this point this is aggravated identity theft