davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-26
Product: Consumer Loan — Personal line of credit
Issue: Account terms and changes — 
Company: BB&T CORPORATION (FL)

I have had a long standing, perfect pay history, line of credit with XXXX. It is important to maintain a good credit score and I monitor mine. XXXX pulled out of Texas and sold all branches to BB & T. As a result, my 8 year, perfect standing, on-time payments, very low balance, line of credit with XXXX was closed and moved to BB & T. The problem is that BB & T now shows a new line of credit. The CFPB should dictate that when banks move accounts between each other, the acquiring bank must use the original open date of the credit / loan. The time the loan is open, on-time payments, and low percentage outstanding all contribute to a higher credit score. With NO action on the consumer 's part, my credit score went down by over XXXX points month-over-month because the several positives with XXXX, became slight negatives with BB & T ( new credit, new credit inquiry, no payment history ). No other changes occurred on my credit reports ( except slightly lower balances on month-end cycles on XXXX credit cards as compared to previous month - which should have resulted in an increased credit score ). In my case, my excellent credit rating went down to good but many other consumers would have been more detrimentally impacted. This is an opportunity for the CFPB to make the banks change their account conversion / account acquisition practices, and methods to not negatively impact the consumer. Of course the consumer credit score effects the rating and interest rate on new credit, extension of credit, etc. This complaint should be directed against both XXXX and BB & T.
Consumer complaint received 2021-02-25
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Biltmore Asset Management LLC (NC)

On XX/XX/2021 Biltmore Asset Management, LLC, DBA Complete Verification contacted a third party trying to verify my identity. This collection agency deceitfully acted as employment verification entity to receive information on me. The front desk receptionist DID NOT verify my date of birth nor the last 4 of my SSN as requested by the agent of Biltmore. 

I called ( XXXX ) XXXX and reached Biltmore Asset Management, LLC which is classified as a collection agency. The representative advised me that she could not address any information regarding the account.

Due to this I request that Biltmore Asset Management, LLC and any other Name entity that they may use to do business -- cease all attempts to try to reach me or contact any third party that may represent my interest. This includes but not limited to employer, personal cell, mail, email, company phone.

Do not contact me. The company that is requesting information can reach me by US MAIL only.
Consumer complaint received 2017-02-05
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XXXX 2016, XXXX ( a computer online back-up service ) made charges to my account that were not approved. I made contact with Bank of America to file a fraudulent claim against the charges. Bank of America told me to make contact with XXXX and try to resolve the charges before making an official fraud claim with them. I contacted XXXX and told them that the charges that were made to my account were fraudulent and were not valid or approved. XXXX used my Bank of America credit card number that was more than two years expired to make the charges for their services ( again which I never approved ). Somehow, even with a credit card number that was more than two years expired, the charge was approved through Bank of America. 
I then called Bank of America back and explained what had taken place. They told me that the XXXX charges were approved because they were charged against a valid and active credit card account ( which is true ), even though the actual credit card number that was used was more than two years expired, that is why they approved the charges. I wondered to myself how this could happen with a credit card number that was more than two years expired? I never signed up for any reoccurring service plan. 
My problem is that the XXXX charges were not made by me, approved by me and it seems that Bank of America does not seem to find this troubling in any way. This credit card is not in active use, it 's been the 2 years since I 've used it, for XXXX. This should have been a red flag that this is not a regular occurance. Banks moitor cards all the time for irregular use. 
What happened to actual credit card fraud and trying to find ways of of stopping it from happening in the first place? I thought ( forgive me for being ignorant ) that if and when a credit card number becomes expired, it means that the number no longer works and the merchant would have to pursue the customer for updated information. However, if Bank of America is approving these fraudulent charges and making the " approvals on behalf of the card holder '' based on a more than two year expired card, what kind of security and consumer rights are in place? Better yet, if they are making the approvals for the card holder when an expired card is used, why should the card holder be responsible for the charges?
Consumer complaint received 2016-04-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (NJ)

the following accounts were disputed over 30 days ago and were not either validated or investigated fully. the receipt of the initial investigations are attached. the following accounts should be deleted from my credit file for non-compliance. 
XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX CRA 611-15 USC 1681 5 ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly DELETE that item of of information from the file
Consumer complaint received 2023-04-14
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. (GA)

I just looked at my consumer report and noticed some accounts I would like to dispute. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. The referenced accounts in the attachment should be deleted.
Consumer complaint received 2020-09-11
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: EQUIFAX, INC. (GA)

I HAVE THESE ACCOUNTS ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I AM A VICTIM OF IDENTITY THEFT. THIS ISNT FAIR FOR THESE ACCOUNTS TO BE ON MY CREDIT REPORT WHEN I NEVER OPENED OR AUTHORIZED ANY OF THESE ACCOUTNS.
Consumer complaint received 2019-02-27
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: Nelnet, Inc. (NV)

Fraudulent account opening originally with an online school, someone apparently obtained a loan in my name and all of a sudden this company nelnet is affecting my credit. I tried to dispute it and spoke with the company.
Consumer complaint received 2015-08-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (IN)

I am responding to a letter I received from Experian regarding a suspicious request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they believe the letter I wrote them was not sent by me. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my expressed and written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
Since I have not experienced this situation before, I would very much appreciate Experian providing me with an explanation of my rights specifically pertaining to how I am allowed to dispute information on my credit report. 
I would also like to know specifically what made my letter " suspicious '' and why Experian thinks I did not write my letter to them. Did I say something in my letter that they think I am not smart enough to write myself? 
I have reviewed Experian 's website to determine what steps I am required to take to dispute my accounts and thought I had followed all instructions : I sent in a copy of my ID, proof of my social security number and proof of my address. I would be very grateful for a step by step explanation from Experian detailing the specific information I may have missed from their website. 
I would like Experian to let me know if I am allowed to re-write my letter, and if so, would Experian be so kind as to provide me with an example of a letter that would be acceptable to them? 
I am just a regular person and do not have the money to be represented by an attorney or any other agency. I work all day and can not afford to take time off work to dispute my accounts. So I would like Experian to tell me if completing a dispute over the phone would provide me with the same outcome as a letter? And if the results would be the same, why is Experian choosing to not accept my letter and my humble request for an investigation of my accounts?
Consumer complaint received 2015-12-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MN)

After making disputes via online, Experian has blocked me from making further disputes online including updating my current address with them. I have a new dispute regarding XXXX new credit card that I 've received and XXXX of them has already reported to Experian inaccurately, however I ca n't dispute the inaccuracies via online, even though I 'm a paid Experian member.
Consumer complaint received 2023-08-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC (MD)

My son and I are in danger of losing my house of 30 years because of the questionable and possibly illegal actions of Gregory Funding. I am XXXX and suffer from XXXX and on a fixed income after working for Social Security in XXXX XXXX for 40 years. My son XXXX is my full time caretaker and he is helping me to write this letter. My husband handled all of our finances and he had the mortgage payment set on automatic debit with XXXX  and payments were in good standing. Shortly after he passed away the mortgage was transferred to Gregory Funding. My son and I assumed that the automatic payments would continue to come out of our account so we did not take any action as we were busy with funeral arrangements and getting me settled without my husband. Once we realized that the payments were not being taken out my son XXXX who is my authorized representative and has Power of Attorney contacted XXXX to try and reinstate the missed payments. This is where the problems and shady activities begin. 

XXXX was given a reinstatement amount in XXXX of {$5900.00} to catch up the missed payments. He called in by phone and gave bank account information for the ACH debit and was told it cleared and they gave him a confirmation number. When he checked his bank account the next day he saw that the funds had not been withdrawn and when he called in to XXXX on Monday their agents said sorry it did not go through, and that they had been trying to call him. This is where the concern starts, because there was no record of missed calls on his phone or my phone and this is a total lie. Then their agents said the reinstatement figure had increased {$1300.00} over that weekend. We are requesting a full and complete ledger and accounting of all payments due, all fees, all interest as well as a specific description of the type of fee that would increase the payment {$1300.00} over a weekend. From an extra two days of interest??? My son did not have the extra {$1300.00} so their agents told him that they would order a new reinstatement amount because the old one had expired and that it would take at least a week to 10 days to get a new reinstatement amount, and since the reinstatement figure is only good for two weeks we would only have 3-4 business days to get the payment together. We were unable to catch up because Gregory Funding dragged their feet with the reinstatement figures and played a shell game with our family home. In the last three months the reinstatement amount has doubled. There is no logical explanation for this and we want some answers. We tried speaking with the lawyer for XXXX and he gives us the runaround also. XXXX recently tried calling in to their main office and asked if we could be considered for a loan modification. The agents said no, but we could try to apply for the Maryland XXXX program but that it takes so long we would probably lose our home before we get help from them.
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: EQUIFAX, INC. (NV)

The account is not being reported correctly on my credit report. The account number, date opened, payment terms, date last reported, date of last activity, date of last payment, and payment history are different across both credit bureaus. I have written the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account be reported correctly on my credit report or deleted. I have not received a response from the credit bureaus. My student loans have been transferred to the Department of Education. Isn't it true legislation passed during the pandemic requires XXXX to remove all late payments from my credit report?
Consumer complaint received 2019-02-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

I made a purchase at a store inXX/XX/XXXX, with payments to be made through PayPal. I chose this mode of payment because they offered six months of no interest. My goal was to pay it off in six months. I made my first three payments via email statements from them, to my email address. Then the email statements stopped. Throughout this period and beyond, I never received email or paper statements through the mail. 

Fast forward to XX/XX/XXXX, when I received my first paper statement from them, saying that I was delinquent in my payments and had accrued {$350.00} in late fees and interest. 

When I immediately called, to try to understand what had happened, I was told that the email address on file for my account ( at Paypal ) was different than mine- VERY different. That had never been my email address. I sent documentation to show that they had my correct and only email address beginning in XXXX, when this transaction was initiated. 

I was horrified that this happened, and sent a check for the balance due, which was {$1400.00}. That did not include the interest charges and late fees. 

I requested that those fees be waived, as I never received any statements from them after XXXX. I did not want to be penalized for not receiving statements after that point. 

I was told I could write a complaint to a particular department, which I did right away. I sent it " certified '', to make sure it was received. After no response, over a few weeks, I called again. They said they received it, but were still not willing to hear my story. I continue to get monthly bills, with additional fees, and feel strongly about NOT being penalized for NOT paying those months that I didn't receive statements. Their customer service team is simply not willing to understand what happened, on my end. 

I have a very high credit score, and I always pay my bills on time. If I had seen the " missing '' statements, I would have paid those bills. Instead, I stopped getting them, and forgot about the balance due. Out of sight- out of mind. 

In the enclosed attachments, you'll see that they had my correct email address in our first few transactions. I never changed my email address! One of the representatives I spoke to, said that they always sent their statements through the US mail, which never happened. It was always through email. 

I would be happy to discuss this with anybody on your team for further clarification. 

I appreciate your help with this.
Consumer complaint received 2021-06-05
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: Fidelity National Information Services, Inc. (FNIS) (TX)

CHEXSYSTEMS, INC CONSUMER RELATIONS DEPT XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX I HAVE CONTACTED CHEXSYSTEMS ABOUT 5 DIFFERENT TIMES TO DISPUTE INACCUARTE / INCORRECT AND UNVERIFIABLE INFORMATION ON MY CREDIT REPORT BUT THEY ARE REFUSING TO UPDATE AND CORRECT MY FINDINGS. THEREFORE, MY NAME, ADDRESS, AND SEVERAL OTHER THINGS ON MY CREDIT REPORT ARE WRONG AND I AM NOT EVEN ALLOWED TO GET A LOAN WITH XXXX XXXX BECAUSE OF THE INACCURIES. I SENT THEM DOCUMENTATION PROVING MY FACTS AND THEY HAVE STILL DENIED MY REQUEST AND REFUSE TO CORRECT MY INFORATION.
Consumer complaint received 2016-05-25
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

had a sear m/c with an int rate of 26 %, ,contact citibank for rate reduction that was granted at 4.9 %. agreement was to make payments on time and rate will be inplace until credit card is paid off..in XXXX 2016 did not rec 'd statement and contacted sear for replacement statement. recd a new statement where the rate went back to the 26 % int. request citibank to reduce rate back to 4.9 % but they refused..claiming i broke my agreement. i told them i never rec 'd statement and i had no reason to break the agreement which was significantly lower rate that the original rate they still refused saying i broke the agreement..and they refused to honor my request. 

i had to use another bank credit line at a lower int rate of 12 % and a cost of {$700.00} to payoff sears acct # XXXX XXXX XXXX XXXX.
Consumer complaint received 2016-08-08
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (OR)

I have a Citibank card, and was successfully enrolled in their autopay online program for months. Without any contact with me, they cancelled my autopay and then charged me interest fees when the payment was late. I asked them to reverse the late fees, and they refused. I checked the autopay program, and it was turned off by them because they sent me a new card. I signed up again for their autopay program, and again was charged late fees.
Consumer complaint received 2020-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Riverwalk Financial Corporation (MA)

The charges were the result of identity theft. They initially acknowledged that the charges were not mine and said the charges would be reversed, then sent me to collections anyway. I have proof of contacting them and them acknowledging that the charges weren't mine. Later, I paid the debt in order to have it removed from my account per our written agreement and they have still not done so.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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 15 USC 1681. 

Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account Number XXXX XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2016-05-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (GA)

I am filling this complaint because I have been ignored by the Experian. My request to be provided with documents that their company has on file that was used to authenticate and verify these accounts and inquiries, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be varied with accuracy, that I disputed. Please resolve this manner as soon as possible I have been dealing with this matter for over four months.
Consumer complaint received 2015-05-13
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I got an email from BoA saying that I was overdrawn. I went online to find out what happened and found a check that was not even from my account drawn for {$360.00}. I opened a chat help and reported it. The customer service person said it would be resolved. The next day, before business hours, I checked again. The problem was n't resolved and the check image which had been there the day before was no longer available. I opened another chat window and THIS customer service rep told me it was fraud and would have to be dealt with over the phone during business hours. 

That leaves me with no money for breakfast, so I am angry AND hungry. 
I reported the error as soon as I noticed. BUT because of the failure by the bank, I am without access to funds, and therefore breakfast and gas. 

HOW does all this work? WHY wo n't BoA answer my questions? WHAT is my recourse? 

IT 's only XXXX bucks. AM I too small to matter while BoA is too big to fail?