davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Bank of America has no concern for their customers and consistently exhibits horrible customer service. 
Today I needed assistance and got unsatisfactory results from : * The website ( due to a poorly-designed customer interface ) * The phone system ( hung up on me ) * An in-person branch visit ( computers were down ; gave me bad information on how to solve my problem ) * The online app ( ca n't fix the problem from there although I was told I could ) * Technical support ( went out of their way to blame me for the problem ) * When I called customer support, my call could not be elevated any further because 'management is on the phone'These are some of the lies Bank of America told me along the way : * " We are committed to excellent customer service '' * " Your time is precious '' Clearly Bank of America has stopped caring about performing competently or looking after their customers. I am lodging this complaint with the CFPB in hopes that Bank of America might listen to them ( they certainly are n't listening to me ).
Consumer complaint received 2015-10-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XXXX XXXX, 2015 I submitted a dispute with TransUnion. However, TransUnion refused to process my dispute and requested the following items, a copy of my Drivers License, Bank Statements, a Cancelled Check, Pay Stub, and a Utility bill. I communicated to TransUnion that I do n't provide that type of information to private corporations such as theirs. Yet, TransUnion never ask me for any of these items before they reported this information on my credit report.
Consumer complaint received 2022-09-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have submitted multiple complaints to the creditors as well as to the cra 's ( XXXX, XXXX, XXXX ) in regards to the improper reporting and violations of 15USC1681 ( a ), 15USC1681 ( a ) sec ( 3 ), 1581USC 1681 ( a ) sec ( 4 ) and 15 USC 1681 ( b ) ( 1 )
Consumer complaint received 2020-10-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (TX)

Hi i was trying to close my acoount with citi and they closed at it first and now it was reopen due to a glitch on there system and my phone number was also removed and im trying to close my account again both checking and savings account and they are both open in my name and they cant close it due to a phone number not verfied and ive been charged 30 fee on my account and i just want my money mailed in a check and i want all mail stop coming to my address
Consumer complaint received 2016-08-17
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Select Management Resources, LLC (MO)

This is my work number and they are calling this and my personal cell more than 5 times in an 8 hour period I have received calls as early as XXXX and after XXXX. They have also called my son and sister repeatedly as well as my landlord.
Consumer complaint received 2016-10-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Southwest Credit Systems, L.P. (FL)

I received an alert regarding a collection account placed on my XXXX report. I have never received anything in writing confirming any sort of delinquent accounts or debt collections. All addresses in all my credit reports are up to date and accurate because there is fraud alert on all my credit reports. It states the account was opened in XX/XX/2015 and i do not have an account with the original creditor. When I contacted the phone number listed for the company they did not verify who I was. I checked all past XXXX, XXXX, and XXXX credit reports there is n't anything listed on my report from any collection agency or the original creditor. Both my XXXX and XXXX current credit reports do not have this account on it.
Consumer complaint received 2017-05-01
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. (NY)

I am writing to dispute a situation with  XXXX   XXXX . They are reporting a negative home equity line of credit account to the credit bureaus of  XXXX  and Experian. It is past the seven years that this item should stay on the reports and it should now be removed, however, they are incorrectly reporting it for a much longer period of time.     There has been very strange activity with this  XXXX   XXXX  account on the credit bureau reports. I am disputing items and requesting written documentation from  XXXX   XXXX  documenting payments made from  XXXX  to  XXXX  as well as multiple consistent 120 day late entries from  XXXX  to  XXXX . I have made absolutely none of these payments! Actual pictures of the check or money order used to make the payments are being requested. It would seem as if the account was re-aged consistently over several years from  XXXX  to  XXXX . If, in fact, this was the activity being performed then it was without my involvement and consent and why I have brought up the matter with the Consumer Financial Protection Bureau.
Consumer complaint received 2017-02-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion continues to report information that is inaccurate even though I 've disputed it several times. Transunion has not verified the information since XX/XX/XXXX and XX/XX/XXXX therefore it should be removed. I am being discriminated against by Transunion.
Consumer complaint received 2023-04-03
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. (DE)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2015-05-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Between XXXX XXXX, became a victim of ID Theft. My purse was stolen in XXXX and in XXXX, I was informed by XXXX that they had a breach in security which compromised my personal information and that someone had purchased a mobile phone from XXXX and opened an account. In XXXX XXXX I requested my credit report and I found the following items that do not belong to me and should not be reporting against me. 
I informed Trans Union credit bureau of the accounts and the circumstances. I submitted a complaint to the FTC regarding the ID Theft ; submitted the FTC complaint to the creditors and the Credit Bureau in XXXX XXXX with a letter outlining my circumstances again. I made further contact with the bureau in XXXX XXXX and asked that the accounts be deleted. As per the consumer Act, it has past 30 days in fact, it has been over 120 days since I requested full validation and written documentation to show Contractual Agreement and where the accounts were opened in order to verify that these accounts are not mine. 
XXXX XXXX XXXX Credit Card Acct # XXXX {$850.00} XXXX XXXX XXXX XXXX Acct # XXXX {$1700.00} XXXX Acct # XXXX {$700.00}
Consumer complaint received 2015-10-23
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (IA)

Company tried to launch new services and it failed. Ca n't access money. Ca n't even get through to talk to anyone. After prompts the phone hangs up on second ring. Ordered new card paid {$30.00} to have 2 day delivery, still nothing.
Consumer complaint received 2020-09-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (IL)

On or around XX/XX/20 for the second time since XX/XX/20, I've received notification from Nationwide Credit Inc in regards to an alleged debt owed to XXXX XXXX in the amount of {$1300.00}. In accordance with the law ( FCRA ), please provide proper validation of this alleged debt. ( Validation consisting of a valid agreement bearing my handwritten signature ).
Consumer complaint received 2015-03-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

In XX/XX/XXXX, I requested my free annual credit report. After viewing my credit report, I noticed over XXXX credit/loan inquiries on my account that was not authorized by me. I contacted each company and was told that there was not any account open under my information. I explained that I have a hard inquiry on my credit report and need it removed as soon as possible so that I could apply for a home. I was told that the inquiries would be removed from my credit report. As of XXXX/XXXX/XXXX, none of the inquiries have been removed dating back to XX/XX/XXXX. I had a initial fraud alert placed on my report on XXXX XXXX, so if any credit reports are being pulled with my information, I was to be contacted by the company before any action was taken place. I just want the inquiries to be removed so that my scores and credit is not being impacted any longer. I would like to purchase a house, but until all of the inquires are removed I will not be approved with XXXX inquires on my credit report.
Consumer complaint received 2017-05-21
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. (CA)

To  XXXX , Equifax and  XXXX  I sent a certified letter asking ton only report my current information but my report is still showing inaccuracies! Please read this carefully this time.     Please remove everything EXCEPT Current addr :  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX , CA, XXXX  Current # :  XXXX  Current job :   XXXX   XXXX   XXXX   XXXX   .    (  These are the only things that should be reported at this time ).     Anything else on my report as far as addr, phone number or employer should be DELETED., This is my second request and first request was sent certified so I know it 's been received it just was n't done.
Consumer complaint received 2023-04-03
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: U.S. BANCORP (IL)

In accordance with the Fair Credit Reporting Act ( FCRA ) this creditor has violated my rights with multiple accounts under 15 U.S. Code 1681 section 602 which states I have the right to privacy, 15 U.S. Code 1681 section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. This collection account is also being reported with several different open/closed dates, balances and last payments dates which is a violation of FCRA and XXXX XXXX XXXX. 

I have disputed this several times in attempt to correct the inaccurate information that is being report, however they has yet to correct the account which violates 12 CFR 1026.13 ( d ) ( 2 ) that states the creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
Consumer complaint received 2022-02-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/XXXX I called Navy Federal to report an unauthorized debit from XXXX XXXX. I am a Provider and receive payments from them several times per week. XXXX debited {$2600.00}. Before I called NF I spoke to several departments and supervisors at XXXX. They had no record that I owed any money and they did not see the debited funds under my Provider number, TIN, or bank account number. When I called NF I reported this to the rep including names, departments, and responses. She typed it up and sent it and said that it could take up to 10 days to process. I never heard from NF. I called again on 2/1 to ask what was the holdup. Another rep took my information down and sent a message to the back office and told me they would follow up within 24 hours. On XX/XX/XXXX I reported that another debit had been taken from my account. The rep stated an investigator would be assigned and it could take 10 days to follow up. I called again this morning and spoke to a supervisor in the fraud department who read a letter sent to me stating that they had reached out to XXXX and I should call the 1800 number. I explained again that I had spent over 4 hours talking to several people who could not tell me why the money was taken and they could not see the money had been taken. I also found a doc from XXXX that explains that funds are never debited from provider bank accounts and explains how overpayments are resolved. XXXX will leverage any overpayments against future payments. They never debit your account. I have been a provider with them for 5 years. Further, to date, I have not gotten a letter, request or any other correspondence from XXXX relating to the debit. As I stated there is NO record that the funds were taken from my account. I had to ask NF to put a stop payment in place to prevent future debits. That should have been done initially but NF never took the complaint seriously. I had to request they do it.
Consumer complaint received 2022-02-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY (FL)

I applied for a refinance back in XX/XX/2021. I waited a reasonable period of time to receive a Loan Estimate and conditional loan approval. However, neither were ever provided so I escalated the issue on several occasions and TD Bank never responded. 

I continued to reach out to TD Bank and as of this date they have not responded.
Consumer complaint received 2021-06-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation (OH)

This loan is paid off in full and the lender Bridgecrest is refusing to update all 3 credit bureaus to reflect a {$0.00} balance, these actions are hindering my debt to income ratio.
Consumer complaint received 2019-02-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (MD)

My wife and I had a 63 month installment loan with TD Bank for the purchase of a new XXXX XXXX XXXX. This loan was set up for auto payment from my wife 's checking account. Because of a timing/Bank error, payment XXXX, then XXXX were not taken by auto pay. Neither one of these non-payments generated any correspondence from TD Bank, giving us the impression all was good. During the same period, approx. early XX/XX/XXXX, TD Bank did send correspondence letting us know that the last payment would not be taken by auto pay due to their system and that we would need to make other arrangement, Check or over the phone payment, to make the final installment. On or about XX/XX/XXXX, I reached out to TD Bank to make the final payment, at which time I was verbally informed of the two prior payments not being made. While on the phone and checking my wife 's records, we became aware of the two missed payments, acknowledged that fact, and made a payment to settle the loan in full. A week later, TD Bank sent two letters that arrived on the same day, one being the lien release, the other being a statement saying that they could report our delinquency to the reporting agencies, which they did. I have reached out to TD Bank multiple times since this incident and have been informed that because an auto pay was declined by my wife 's bank, their system is not " set up '' to generate a non-payment letter because of " insufficient funds '' reason. 
My argument to TD Bank is that, there is blame to go around, ours because we did not recognize the payments not being made, but also theirs for 1 ) not informing us when the XXXX payment was late, then the XXXX payment was late, 2 ) taking into account that it was my outreach to them that made us aware of this issue, and that it was handled immediately, 3 ) recognizing that their " system setup '' helped create this issue by not informing us. 
There is fault by us and TD Bank, TD Bank has reported a 60 and 90 day late payment against mine and my wife 's credit report, their customer service has acknowledge fault but has said " legal '' has no wiggle room and must report everyone equally regardless if they are part of the blame.
Consumer complaint received 2017-04-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (GA)

CONVERGENT is trying to collect a debt that is not mine. According to XXXX this acct was not opened with no date of birth or social under their no credit check program. my name is a common and and I also have a cousin with the same exact first middle and last name. I am requesting this to be removed because this is not my debt.
Consumer complaint received 2016-04-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Accelerated Financial Solutions, LLC (OH)

ACCELERATED FINANCIAL SOLUTION # XXXX this account has been resolved and was supposed to be removed from my account.Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt that has been settled.
Consumer complaint received 2015-10-21
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I received {$29.00} annual service fee for a credit card I do not use. I did not receive any emails or mail in regards to this fee and it went unpaid for two months. The moment I checked my account and saw the late payment I paid it the same day. I called Bank of America and an associate said after a payment is posted to my account I can call back and get the derogatory mark on my credit report reversed and removed. After the payment posted I called back and an associate said I can not reverse the derogatory that now shows up on my credit report. Now I lost XXXX points on on my credit score for a charge I did n't know occurred on a card I do n't use. I immediately cancelled the card because paying my late annual service fee did not help me on a card I do n't use.
Consumer complaint received 2016-08-12
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (IN)

My federal student loans are aprox XXXX. I need to start repaying these loans. I currently pay {$500.00} a month in private loans, so my discretionary income is next to nothing. I have contacted resources for help arranging payments and they do not take into consideration my overall debt and I was told that it would cost me {$600.00} for these agencies to help me get a pmt of {$170.00} a month, which is still more than I can afford. I am an XXXX and if I default I could lose my job. Time is running out and I am desperate. Basically I was told that if I had children and was single and was not working full time and receiving aid from the government they would be able to make my payments next to nothing. I am being punished for trying to be a responsible productive member of society.
Consumer complaint received 2015-06-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A. (CA)

After reinstating my loan with Flagstar Bank in the amount of {$89000.00}, which was obtained through the law offices of XXXX XXXX, hired by Flagstar Bank, stated that this would bring my loan current. This amount was paid with cashier 's check on XXXX XXXX, 2015. I made my next mortgage payment of {$5300.00} for XXXX ; however, on my XXXX mortgage statement it shows additional fees of {$1200.00}. I called Flagstar and inquired about this and I was told that Flagstar does not have to disclose additional internal fees in the reinstatement fees. This is totally unethical for a lender. We as borrowers assume that the reinstatment fee is it and we have for-filled our obligation in good faith and then the lender imposes additional fees, at their discretion, after they stated that a certain amount will clear our past due obligations and bring all monies current. This practice needs to be scrutinized by the federal banking regulator bodies to stop this in the future. When XXXX is told that this amount will reinstate the loan to a current position, that should be it.
Consumer complaint received 2016-01-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (PA)

I was planning on attending XXXX University for XXXX 2010. At the last minute, I decided not to and contacted XXXX XXXX to not dispurse the loan funds to the school and I never signed a promissory note. XXXX XXXX still sent the money to the school. I advised XXXX XXXX that this was never signed and they refuse to help. They never provided proof of this signing as well. XXXX XXXX continues to tell me to get XXXX to send the money back, but it is their responsbility. I did not attend this school and I asked them to send the money back but they refused. XXXX XXXX is billing me for this fraudulent loan and the late fees and interest have doubled the loan to about {$20000.00}.
Consumer complaint received 2016-03-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Received this phone number XXXX 2015, Started receiving calls from Portfolio Recovery soon after looking for a XXXX. I informed them several times XXXX no longer had this number but keep receiving phone calls after they promised to remove number. They are still calling!