davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-10
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 (TX)

XXXX says it has investigated the below dispute. BoA says they charged-off XXXX on my credit report. This was a secured credit card of XXXX that they retained. Unknown and not communicated to me was the XXXX fee that they said I owed. After finding this out the fee was paid. This has been going on since XXXX. BoA will not return my calls. 

Please help, Thanks, XXXX XXXX Report Created On : XX/XX/XXXX File Identification Number : XXXX Provided by XXXX Consumer Relations Your Investigation Results INVESTIGATION RESULTS - VERIFIED AS ACCURATE : The disputed item was verified as accurate. 
We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. 

BANK OF AMERICA XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Details Account Details Payment Status Account Number XXXX Name BANK OF AMERICA XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type revolving Loan Type SECURED CREDIT CARD Balance {$0.00} Original Amount {$1100.00} Original Charge-off {$1100.00} Credit Limit {$1000.00}
Consumer complaint received 2018-03-02
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

XXXX XXXX XXXX reported on my inquiry XX/XX/17 on my XXXX I did not apply to this creditor nor give authorization. I called both creditor and XXXX to have it removed from my inquiry no action was taken. 

XXXX XXXX reported on my inquiry XX/XX/17 on XXXX again I did not apply with this creditor nor give authorization. Called creditor and XXXX to have it removed from my inquiry no action taken. 

Capital One this was reported on my inquiry twice same day XX/XX/17 on XXXX and XXXX. Did not apply to this creditor nor authorize for credit. Called Capital One and XXXX and XXXX   to have them removed no action taken.
Consumer complaint received 2022-10-12
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX : XXXX, XXXX XXXX XXXXXXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXXs : XXXX, XXXX Bank : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Lending : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MILESTONE : XXXX, XXXX XXXX SERV : XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (NY)

The company is discover card and they already know the problem because I reported it to them immediately the first time it happen and then it happen a second time and now they are working on my account to try to fix it as it was agreed upon. Do not know if there is something else that could or needs to be done. That is why I am writing your organization now about my discover card issues. This company keeps submitting my whole balance despite the fact it is on a Monthly agreement payment plan.
Consumer complaint received 2020-08-25
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: NAVY FEDERAL CREDIT UNION (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2017-12-27
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: BANK OF THE WEST (FL)

Our XXXX minor children have CD accounts with Bank of the West. The CDs are part of an inheritance that the children received from their paternal great grandfather. Per the requirement at the time the account was set up a custodial adult had to be part of the account. The only person in the Oregon area where the account was opened was a family friend of my husband 's XXXX parents. He agreed to be custodian and provide us with bank statements. However we have not been able to get bank statements for the past two years from the custodian and are concerned that something inappropriate may have happened to the account.

As the parents of the minor children on the account we can not get any information related to the account from the bank - such as the bank statements or account balances. We are unable to monitor to ensure the accounts are being handled appropriately. The most recent call we have made on this was to the contact center for Bank of the West and it was with XXXX ID # XXXX today, XXXX XXXX, 2017. She told us that there is nothing we can do to find out the balances or get a statement as we are not on the account and that we should speak to our children about the account. We explained that the children are XXXX and XXXX years old and we are just requesting a bank statement on their behalf. She told us we could not get any information on the account including the statements. 

We would like to put a family member on this account - if not my husband and I as the children 's parents - then at least my father ( the children 's grandparent ) as he has a vested interest in the account staying whole and being managed appropriately. The current custodian is a non-relative and we are having issues getting him to provide us with statements. 

We have not been able to get any assistance from the bank on either getting statements on behalf of our minor children or finding out which branch opened the accounts so we can add my father as a custodian to ensure the funds are not disbursed to anyone prior to our children 's 18th birthdays.
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (FL)

I, XXXX XXXX, checked my credit XX/XX/XXXX of XXXX and realized that my student loans were reporting 5 late payments each in XXXX. I don't understand how that is possible when they have been deferred properly since I finished school. According to FCRA 15 USC 1681 ( a ) my report is inaccurate and unfairly being reported. The credit bureaus are in violation of my rights
Consumer complaint received 2021-06-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TN)

Husband passed 2019 I have spoke with PHH a lot of times to give me a mortgage modification to bring my mortgage current since his death. My name is on the deed of the property. They have gave me bad information and the run around.

I don't want to lose my house to foreclosure. I had a XXXX this was from complications of the XXXX I was affected by XXXX. I want to pay my mortgage but no one is willing to help me with the mortgage company. I have sent them my financial information and requested forbearances a lot of times. They turn me down each time.
Consumer complaint received 2021-04-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have sent multiple letters to credit bureaus and have not receive a response from any of them. I sent a letter on XX/XX/XXXX and XX/XX/XXXX. Received no letters in the mail or email. It has been XXXX months so far. There are not following the rules. They have 30 days to respond. I want these items removed from credit report.
Consumer complaint received 2018-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I have sent multiple letters certified to experien.com to have the bankruptcy removed as this was over 10 years ago and they have failed to do so after numerous disputes asking them to remove this from my file they have neglected to follow FCR a rules and laws. I am asking to help with this to get deleted from my file
Consumer complaint received 2020-08-25
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: National Credit Adjusters, LLC (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-02-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Upgrade, Inc. (GA)

Upgrade Inc is falsely advertising its personal lines of credit as credit cards on XXXX XXXX through which I obtained an account. Given that Upgrade is in fact not a credit company, as they definitely stated on the phone with me, they apparently do not have to follow the same rules as one. Unfortunately I was under the assumption that they were in fact a credit card company. As I was working with a credit counseling and debt management program, I reached out about changing a due date. They stated that it is their policy to never change a due date. It was then in the discussion that I learned that they are not and have never been a cc company. This explains why I am unable to negotiate with them and the credit counseling agency and why they do not follow the same rules. Had this company 's products been advertised as not a credit card company, I would not have entered into an arrangement with them ( getting an account ), and I would be in a position up negotiate to try to pay down my debts reasonably. They are falsely advertising, as is XXXX XXXX, that they offer credit cards when they do not ; they are obtaining customers who would otherwise not do business with them, and they are profiting off this false advertising.
Consumer complaint received 2022-08-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Genesis Credit Management has violated the FCRA by harassing me they have sent multiple emails to my personal email ( XXXX ) XXXX times. 15 USC 1692d states A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. They have sent multiple emails contacted me by phone numbers ( XXXX ) multiple times. They have also violated my rights according to 18 USC 894 which states Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means to collect or attempt to collect any extension of credit, or to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. In exchange for me not paying the debt they are claiming that I owe. They are reporting to the Credit reporting agencies a negative collection account which is damaging my reputation. According to US Code 1681b my written consent is needed before furnishing my information to any credit reporting agency. I never gave this company permission to release any of my information to any non-affiliated third party. Under the fcra I have the right to privacy and a fair and equitable credit report this collection they have added to my accounts is misleading and causing multiple restraints to my life.
Consumer complaint received 2019-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AL)

I spoke to a representative with navient. they told me that all of my loans were consolidated and I do not have anything else to do. They said that they have every last one of my loans with any company that I have taken out a loan with US department of education. Etc.I tried to go back to school and was denied they said that one of my loans or in a very bad category and I can not go back to school. It is also on my credit report. I reached out to navient and no one helped me.
Consumer complaint received 2018-03-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (UT)

I owed a debt of {$520.00} for a XXXX XXXX credit card. When I was unable to pay, a debt collection agency, Portfolio Recovery, began calling to collect. 

In XX/XX/2018, I spoke with them about paying off the debt. I had about {$300.00} dollars to pay. I asked them if they would accept his as payment in full, and remove the amount owed from the credit reporting agencies. They agreed to this amount. 

In checking my credit report today, I saw that {$200.00} is still listed as a balance. I called them to ask them about this account. They indicated I had " settled '' the debt, not paid it off. I informed them their agent had agreed that I would not owe any further amount if I made the {$300.00} payment, and they would report it as paid in full, and this is why I agreed to pay at that time. 

When I called, I informed them I felt that had lied to collect the debt, and they apologized, but indicated they would do nothing to rectify the situation. They indicated they could not contact the reporting agencies to fix this error. I informed them I would be making a report about this lie.
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (ND)

I disputed the information with XXXX  and yet the information remains on my credit report even after agency involved wrote letter that I do not have an account with them. I've only disputed with XXXX  but have same information on other credit reports. Attaching copy of letters. My credit rating has taken a drastic hit at a time I'm trying to secure a mortgage.
Consumer complaint received 2021-11-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Land Collections, Inc. (UT)

I did not request the service that Mountain Land Collections is trying to collect a debt for. They sent me a letter on XX/XX/2021. My ex-wife is required to consult with me on medical issues ( attached ) but, in her XXXX XXXX, she doesn't believe she is supposed to despite orders that say so. Because she did not consult with me, nor would I have approved if she had, I am not responsible for this debt.
Consumer complaint received 2021-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One is committing fraud on an account. I reported the account to the credit bureaus, XXXX  deleted the account due to the fraudulent activity going on with the account. Capital One is now damaging my credit files ( XXXX  and XXXX ) because the company claims the account is restricted but open for payment. I've sent in the information numerous times the company asked for and the representatives continuously told me the information isn't being read correctly in the system. I need this business account removed due to the fraudulent claims made by Capital One.
Consumer complaint received 2018-10-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (TX)

Our escrow provider failed to renew our homeowners insurance with the current provider. They are now threatening to insure our property on our behalf at a rate four times Higher despite them failing to make the insurance payment.

Sun trust mortgage has not been able to resolve this for us despite many calls.
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (CA)

I had a new credit card account with US Bank and set up autopay for it so I wouldnt miss payments in case I forgot. Id gotten confirmation that it had been set up, then I checked my statement and a {$30.00} late fee had been applied because autopay would not go into effect until the next month and the payment was never sent. I was never informed of this when I initially set up autopay.

Now that autopay is active, I have the option of paying minimum payment or statement balance. The statement balance sounds like it should be the full balance on the account, but it isnt. Its exactly the same as the minimum payment. There is no actual option to automatically pay the full balance, it has to be done manually every time. People who dont catch this could easily be tricked into paying just the minimum payment and being charged interest.

I called customer service on XX/XX/XXXX to try to fix this issue. They transferred me to cardmember services. Once I told cardmember service about my issue they stopped responding at all and kept ignoring me even when I tried to ask questions. I tried again with their websites chat option. I was transferred to cardmember services again. When I told them my issue they closed the chat and I couldnt access it again.
Consumer complaint received 2018-03-02
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (NY)

After hours XXXX XXXX skip traced and called our neighbor giving our full name, company name, and stating they were trying to obtain a collection of debt. When we called to tell them not to do that ever again they tried to bully us into a settlement and also threatened legal action against us if we didn't pay then and there. They also discussed all accounts associated with XXXX including my wife which I am not an authorized user on. We have also joined a debt consolidation program who has contacted them about making payments so they should NEVER have reached out to strangers or us and gave our information out or tried to scare us into paying them extra on top of that program.
Consumer complaint received 2019-03-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Colony Brands, Inc. (MI)

I have sent dispute letters to Ginnys inc they did not Complied to any of my dispute letter them for verification of competent evidence bearing my signature. Ginnys has not Complied to me in timely manner 30 days period and failed to place notice of dispute on credit reports including XXXX, XXXX, and XXXX which they are in violation of the Fair Credit Reporting Act 623-a-3 ) and corresponding federal and local state laws. This means Ginnys are reporting unverifiable, inaccurate, and incomplete information very serious reporting error and Non-compliance under the FCRA and federal and state laws
Consumer complaint received 2018-07-02
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. (SC)

I co-signed a lease for my family member. They were unable to make payments so we turned the car back in to the dealership. However once the vehicle was sold by the dealership they never mitigated the amount they said she owed and it is showing on my credit as a repossession. Due to the fact that legally they did not follow the correct procedure nor have they verified the amount owed it should be removed immediately. I have already spoke to an attorney who feels like I have a case against them however I can not afford the legal fees at this time but I will go that route if necessary to have it removed from my credit report. Oh and they are still reporting it as an active charge off when they did not charge it off they resold the vehicle.
Consumer complaint received 2023-02-24
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: Experian Information Solutions Inc. (CO)

I have sent in proof from a credit card company that they closed my account in XXXX of XXXX, with no balance or amount due. It's been negatively reported as late payments in XXXX even though it's closed. I have sent proof to XXXX and Experian but they haven't corrected the mistake. XXXX did correctly update their records.