davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (FL)

On XX/XX/XXXX, I submitted complaint number XXXX with current student loan servicer Aidvantage. 

The core issues are that : In XX/XX/XXXX, I submitted a request through studentaid.gov to enroll in the income driven repayment plan ( SAVE ). These were received by US Dept of Education and by Aidvantage ( on XX/XX/XXXX and XXXX XXXX respectively ). 
I was placed on XXXX XXXX when I raised my previous complain because interest would continue to accrue ( although not capitalize ). 
I requested a resolution to my situation- confirm my placement on SAVE plan, confirm payment, take me off administrative forbearance, and waive interest during administrative forbearance. 

Case was closed on XX/XX/XXXX with company response of : " A noninterest capitalizing administrative forbearance was processed on XX/XX/XXXX, while your Income Driven Repayment ( IDR ) application was reviewed. In an administrative forbearance, interest does accrue but will not capitalize on your balance. In general, when an account is in a repayment status interest will accrue and will not be waived per your promissory notes... Your IDR application was processed on XX/XX/XXXX. '' Company took MUCH longer to process the application and accrued several thousand dollars of interest during administrative forbearance opportunistically and in DIRECT VIOLATION OF FSA and DEPARTMENT OF EDUCATION DIRECTIVES. 

Attached is a memorandum signed by Secretary of Education XXXX XXXX. Aidvantage 's response is a direct violation of the FSA recommendation and Department of Education Authority to " Remediate Potential Harm to Borrowers Caused by Repayment Servicing Errors ''. 

On page 5 of the memo, it states under the section Lost Interest Subsidy " If borrowers on the SAVE plan can not make a payment because servicer... placed them in administrative forbearance these borrowers will lose out on any potential interest subsidies for that month. The remediation for this is to ensure these borrowers ' balances do not increase due to interest while their monthly payments are being recalculated '' On Page 5/6, it states " Pending your approval, FSA intends to instruct servicers to :... Ensure affected borrowers effectively do not accrue any interest while their accounts are being corrected '' On Page 10, it concludes " FSA recommends that the Department use the Secretary 's compromise authority to adjust any interest accrued for affected borrowers while their accounts are being remediated. The memo also requests approval to grant credit towards IDR and PSLF for borrowers were taken out of repayment status and in an administrative forbearance to resolve these servicing errors. '' The memorandum was approved and signed by XXXX XXXX. 

Aidvantage 's response demonstrates a blatant breach of the Department of Education / FSA memo and opens up significant risk of litigation.
Consumer complaint received 2018-06-09
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (IL)

I was charged {$100.00} for recovery of my contents in safe deposit box # XXXX by Chase Bank # XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. 
Date : XX/XX/XXXX Contact : XXXX XXXX Contents were scheduled for pick up on XX/XX/XXXX but contents were never provided.
Consumer complaint received 2017-12-01
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rocket Mortgage, LLC (CO)

I spoke with a mortgage originator, XXXX XXXX XXXX # XXXX, and asked some general questions. At no point did I apply for a loan. At no point did I consent to a hard credit inquiry. After my brief conversation with XXXX, who was rude and in a hurry, I was contacted by my credit monitoring service who informed me a hard credit inquiry had been conducted! I called all the lenders I had spoken with to find out who made the credit pull. Besides XXXX, all other lenders told me they did not pull my credit because I did not apply for a loan and only asked general question. XXXX admits he pulled my credit. I, at no point, gave consent for a credit inquiry. XXXX claims that I did give consent, and that he reviewed the recording of our conversation. I asked for him to play me the recording to prove to me that I did provide consent, but he refused. I spoke with his superiors who were less than kind or helpful. Its obvious who trained XXXX in his predatory, unethical practices. I have requested a letter of deletion to provide the credit bureaus to have this hard inquiry removed from my account and restore my credit score, but they refuse. At this point I will be taking legal action to sue for for damages. Credit is an asset, and the wrongfully damaged this asset of mine. There is no reason for them to refuse to provide the call recording if I in-fact did provide consent! It would require minimal effort for them to have this issue resolved, but now Quicken and I will need to spend the time and money to hash this out in court. They also claim the permissible purpose guidelines were followed, but they were not. I did not provide consent, and they did not have a legitimate business need to conduct the inquiry because I did not apply for credit, I called simply to ask questions! Severely disappointed with this lender. Spare yourself the time and do not work with Quicken! I have reached out to the Colorado XXXX XXXX XXXX XXXX and the XXXX about having XXXX XXXX license revoked.
Consumer complaint received 2021-09-11
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. (GA)

I have repeatedly reported that there are FRAUDULENT items on my credit report and that they are in violation of FCRA regulations. 

There is an abundance of inaccuracies in my report. The attached accounts are reporting inaccurately and or erroneously. I have reported these in XXXX and XXXX of XXXX  with no rectification for the accounts. 

I have attached all three reporting agencies to show inconsistencies and FRAUDULENT negative accounts.
Consumer complaint received 2017-12-11
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. (NJ)

XXXX credit inquiry 8 times in XXXX XXXX XXXX XXXX XXXX 2 times in XXXX XXXX
Consumer complaint received 2018-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (TX)

I manage all my bank accounts and credit card via XXXX. I saw one offer of American Express Credit card when i logged in there. According to XXXX - they are only placing the promotion/offer but it 's all done by american express. 

I clicked on the offer but the offer was changed at the time i landed into americanexpress.com The one that XXXX was showing was not having any annual fees but the one at the landing page at americanexpress.com was having {$95.00} annual fees. Card image and everything is the same. 

I chatted with american express regarding this ... but they are having mere denial kind of attitude. 

I strongly believe that American Express is tricking the customers by showing these kind of promotions on XXXX and XXXX ... provide a better offer on these websites ... but changes it when the customer goes to the american express website ... .this is so sick of american express to do so ... .unethical and immoral ... 

it seems that american express will do all the hook and crook to get the card members by deceiving them and tricking them.
Consumer complaint received 2021-02-08
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: JPMORGAN CHASE & CO. (FL)

JPMCB AUTO FINANCE ***** Opened XX/XX/2018 Balance {$21000.00} As a client, I now have privileges that are presented to me to secure me through misinformation being recorded on the credit report. Right now I wanted to get a final request for examination before I discuss with my lawyer for information on how to deal with inaccurate and unverifiable things that are ongoing to be approved as genuine. I highly recommend you offer me a copy of the contract authorized or voice conversation where I allowed billing me with this account.
Consumer complaint received 2017-12-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Strategic Alliances, Inc. (IL)

Several times, since the month of XXXX ( XXXX ), I have been trying to reach out to XXXX XXXX XXXX, via email regarding a debt ( {$1400.00} acct # XXXX ) that they claim I owe. Said debt is being reported on negatively on my credit report ( s ). I have asked for validation of debt ( original contracts with signature, etc ) However, the company has not  complied with my request, of which should be honored by law. My reason for demanding validation, including my signature, is because I have had medical insurance for well of 10 years and I NEVER received any outstanding bills to be paid ( from said original creditor-XXXX XXXX ). Either the hospital did not allow enough time for the insurance to pay the bill or they never submitted one- but either way, I was never notified and these items ( IF PROVED TO BE MINE ) should not be reporting on my credit report!
Consumer complaint received 2020-04-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY (IL)

my bank account was debited without my authorization on the XX/XX/XXXX for the purchase of a subscription to an XXXX XXXX  site. This purchase was made by a XXXX year old boy whom had gotten my card information. When I discovered the transactions I immediately went to my bank account on line and froze my account which should have locked my account disabling any transactions. This was the XX/XX/XXXX. I then tried to contact my bank and contest these unauthorized charges and reporting the company responsible. Well, I guess because of this pandemic we are having, I was not able to speak to anyone but I thought I was safe because I had frozen my account. On the XX/XX/XXXX the monies were still on hold status and normally they stay on hold status for 10 days. On the XX/XX/XXXX we went to the store and my card was declined so I got back on my banking account and the three debits to my account had all been paid, that is in a matter of two days which is sooner than normal and I had my account frozen. I am a XXXX year old man who lives on a fixed income and I am pretty much ignorant when it comes to technology, let me just say if this technology is costing us our humanity, is it really worth it?
Consumer complaint received 2018-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (MS)

I have a court document that I'm not responsible for and the company refuses to remove the collection from my credit report. I've uploaded the certified court document, and they still refuse. XXXX simply refuses to remove the collection despite the certified court document.
Consumer complaint received 2016-08-28
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: AMERICAN EXPRESS COMPANY (CA)

I received an American Express prepaid rewards card as a rebate for a purchase. When I made the purchase ( through XXXX ) they indicated there would be a rebate ( {$9.00} ), but not that the rebate would be in the form of a card. 

Therefore, no disclosure as to the cards fees or expiration date were made. 

When I received the card I noted an expiration date of XX/XX/XXXX. No worries plenty of time to use the card. 

I went to use the card today. {$0.00} balance. A call to Amer Express was made and the the Rep for Amer Express claimed that this card is not subject to ANY restrictions of fees and that they have charged me a fee each month until the balance was XXXX. 

The Rep pointed out that on the back of the card is a disclosure about the fee. True enough there is a disclosure on the reverse of the card about fees which includes a guarantee that funds never expire contradicting the expiration date on the front of the card. 

I offered to let the matter pass if my card was reimbursed the {$9.00}. Rep refused. 

{$9.00} is not much. But I reason that Amer Express is doing this as a business practice and it yields them XXXX. 

Card # XXXX XXXX XXXX
Consumer complaint received 2017-12-11
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. (MO)

After reviewing my credit report I noticed a few inquiries on there being reported by this credit bureau in which I have disputed them as well with the creditors and the credit bureau is still reporting these not proven compliant inquiry deficient of true permissible purpose that REQUIRES immediate and permanent deletion, on my credit report. The last letter I send certified with tracking number XXXX in which the credit bureau responded back still reporting these inquiries and ignoring my request of dispute. My complaint is towards these unauthorized and or possibly fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegations of credit inquiry ( ies ) by Original Creditors on my Experian XXXX XXXX. Regarding the following inquiry ( ies ) 1XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX. 
I have also requested that they remove any and all of my personal information from Experian 's records.
Consumer complaint received 2017-12-01
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (PA)

Hello, I pulled my credit report on XX/XX/XXXX. I called XXXX ( Opened XX/XX/XXXX ) to verify my information. They said they did not pull me up with my SSN.  They did verify they had my name and snn. They said they did n't have my address. I want to know why this is reflecting on my credit report when I paid this. It is also from XXXX and should be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-06
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: CarMax, Inc. (MO)

I viewed my XXXX credit report and noticed 4 inquiries for attempts to establish credit. Below are the inquires with the inquiry date : XXXX XXXX Services : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I contacted the XXXX on XX/XX/2020 by certified letter. I requested that they remove some fraudulent inquires from my report. I advised them that by law they must remove and block this information from my credit report within 5 days..
Consumer complaint received 2016-06-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I ( we ) had a mortgage through Bank of America. We filed bankruptcy ( chapter XXXX ) and completed the payment plan. The mortgage was not dischargable as it was a long term debt. I have filed several disputes with the credit reporting agencies, but after " investigating '' the dispute, BOA still lists the debt as discharged.
Consumer complaint received 2015-07-09
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

When I opened my checking account with Bank of America XXXX years ago, I deliberately declined to opt in for overdraft protection. My hulu payment through XXXX accidentally overdrew my account XXXX days before my direct deposit. It was my understanding that this should have been declined since I opted out of overdraft protection. A BAC customer service representative told me in writing that opting out of overdraft protection had no effect whatsoever on my account and I was penalized {$35.00} for the overdraft.
Consumer complaint received 2015-11-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

The Bank of America, where I have had a checking account for many years and live abroad, continues to reduce the scope of its communications with its customers, reducing the topics acceptable on chat and on email. This is the second complaint I have made. The head office promised last time to improve, instead it is worse. 
Also, despite a free phone number for overseas calls, it is not operable, as a digital voice message does not match with the operator nor automatic phone connection. 
Previously, the bank offered all options, message, chat or phone, for all topics. It seeks cost savings at consumer expense.
Consumer complaint received 2022-04-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (AL)

PNC, my HELOC lender has fraud me of undue interest caused by thier mismanagement of principle payments to my HELOC. 

I Made very clear, specific principle payments on XX/XX/XXXX and XX/XX/XXXX for XXXX and XXXX during tax year XXXX. In had multiple conversations with PNC to ensure the payments posted correctly and even a follow up call to ensure the autopayments continued on shedule. The auto withdraw payment posted on XXXX XX/XX/XXXX on shedule. I made another principle payment on XX/XX/XXXX for XXXX when I found out they had stopped making the auto withdrawal payments after XXXX XX/XX/XXXX. 

The account information says clearly '' principle payment '' versus the normal automatic monthly withdrawal " payment '' of principle and interest. {$380.00} I Recieved the ending of year HELOC tax statement for XXXXand realized something was wrong. 

PNC mis applied the principle payments as payment advances and stopped drawing the auto payment. 

This cost me considerable interest from XX/XX/XXXX when they made the error. 

I requested reconciliation of the account and compensation of the interest paid. 

It was escalated to their service department and they notified me verbialy today, XXXX XX/XX/XXXX thier system can not correct the error and they refuse to do anything to correct the error. I need the load recalculated with the correction in the payments applied as they should have been to determine the credit in interest paid. They refuse and would not put in writing their decision or acknowledge their fault, even though the account statements are worded correct. The posted actions are not. One autopayment was made after the principle payment, then they stopped.
Consumer complaint received 2018-01-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP (PA)

I opened a Secured XXXX card that I loaded {$500.00} on in XXXX 2015. I was trying to boost my credit score so I used it and always paid on time. My score went up a little but not much so I closed it last month and got my money back. But now, since I closed the account, my credit score dropped 29 points! This is just wrong! For closing an account I get penalized! The whole credit reporting system is designed to keep us down. This is an attack on hard working citizens and this is not fair no matter how you look at it.
Consumer complaint received 2024-01-30
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: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX I notified XXXX XXXX XXXX that despite the two letters that I received from XXXX XXXXXXXX XXXX XXXX Regulatory Compliance Manager that my credit reports would reflect a XXXX balance and issuance of a 1099 C in XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX immediately notified XXXX after my phone call, removed the previous dispute remarks, added a remark that stated the data furnisher is furnishing accurate information and dropped my XXXX score XXXX points in a matter of minutes on XX/XX/XXXX. This is punitive, the XXXX XXXX representative yelled at me and told me I owe XXXX. 
THIS IS THE THIRD TIME I HAVE COMPLAINED TO THE CFPB. This is unethical! Where is the oversight? Please help me, please. It has been one year since my initial complaint to the CFPB about this matter with XXXX XXXX and the letters I received on XX/XX/XXXX and XX/XX/XXXX stated it could take up to 90 days to accurately furnish the XXXX balance information to the CRA 's, however it takes less than 5 minutes after a phone call to XXXX XXXX on XX/XX/XXXX for XXXX XXXX to notify XXXX and delete, change, and add remarks to immediately drop my credit score. I must commend data furnishers who are savvy enough and well equipped to tweak comments without reporting accurate information to drastically drop a consumers credit score. Brilliant! XXXX XXXX is winning the battle, one day in XXXX when this information falls off I will win the XXXX. Unfortunately in the mean time I suffer loss of opportunity and unnecessary undue financial harm. This motorcycle was surrendered with less than XXXX miles from when I purchased it, yet depreciated XXXX in less than one year.
Consumer complaint received 2017-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (TX)

I requested a credit limit increase and, without my knowledge, pulled a hard credit check which affected my credit score. Totally unprofessional and illegal. 


Congratulations! We are pleased to approve your request for a higher credit limit on your account. Your new credit limit is {$28000.00} and is already available for your use. 

If you have any further questions about your account, please call us at XXXX or visit Citi Online. 

We value you as a customer and appreciate the opportunity to serve your financial needs. 

Sincerely, XXXX XXXX Please