davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I was going to enter a debt consolidation program and they sent a letter to Bank of America by mistake saying I was including my account in the debt consolidation program when I wasn't including it in the program and then I decided not to do the debt consolidation program after I found out that they wouldn't be paying off my debt each month but rather negotiating with them and holding my money in an account which would cause late payments on my credit report. AT any rate, I've been paying my Bank of America credit card each month and unless I call Bank of America or tried to use it, I would never know my card was closed because no where on my statement does it say it is closed. Instead, it tells me what my available credit is and what my credit limit is. This is deceptive and I keep thinking that they have reopened my credit card each month when I receive my statement. I called Bank of America and they say it will show I have credit available to me until the card is paid in full. The statement should say what my available credit limit is but it should not say I have an available limit. It is just plain deceptive and gets my hopes up each month. I never missed a payment when they closed my account. They only closed because of a letter received in error, not on the basis of my payment history which I also believe is wrong. They had no reason to close my account if I was making my payments on time and not missing any payments. It took me 20 years for them to finally issue me a credit card and then to have them close it due to an error seems unjust. I want them to put somewhere on my statement that my card is closed and that I do not have any available credit.
Consumer complaint received 2020-10-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I recently sent a letter over 60 days ago, to this bureau, and they are disregarding a regular consumer dispute. I am stressed and have been sending letters before this, with no response.
Consumer complaint received 2019-05-19
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (OH)

I recently graduated from graduate school in XX/XX/XXXX, at which point a number of student loans I am holding ( from XXXX expenses ) went from being in deferral to being in their 6 month 'grace period '. After learning that my private student loan debt was being serviced by a company called " University XXXX XXXX '' ( XXXX  ), I set up an account with the company to see what I owed. What I found was that XXXX listed two loans in my name, XXXX of which was familiar to me ( and which I have since refinanced with another lender ), and another that was not. Specifically, this second loan that I did not recognize was listed as being held by the XXXX XXXX " XXXX XXXX XXXX '' XXXX XXXX ), which has ( to this day ) not showed up in any of my credit reports. After searching the internet, there is no website or contact information available in connection to this lender. Some of the only relevant information I could find about this lender was that their loans were bought in XXXX by another lender " XXXX '' in connection with a foreclosure sale. I have a document from XXXX stating this ( attached XXXX. I have also contacted XXXX and they assured me that they did not own this loan ( however, they did own my other loan serviced by XXXX, which I have since refinanced with another lender ). 

At this point, I contacted XXXX for clarification regarding the details of this loan and to express my concern regarding its potential validity. UAS responded via email that " Some loans from EEF were purchased by XXXX but not all ''. I contacted XXXX again shortly after to request contact details for the lender. I was told that contact details were not available for EEF and that I should instead direct all inquiries to UAS. Strangely, after some prodding, a representative at XXXX gave me a phone number for XXXX, which when I called it someone answered and confusedly said I had the wrong number. On XX/XX/XXXX, I called XXXX again to request a copy of the Master Promissory Note ( MPN ) for this loan, as well as any other kind of documentation proving its validity. Also, on XX/XX/XXXX, I mailed a signed, formal request for the MPN for this loan to XXXX ( attached ), which I can verify via tracking ( receipt attached ) was delivered to XXXX on XX/XX/XXXX. As of XX/XX/XXXX, XXXX has still not provided a copy of the MPN or any other documentation establishing debt verification to me for this loan. The loan is now entering delinquency, and I don't feel comfortable making any payments without any evidence that the debt is indeed valid. I have expressed this to XXXX and requested that repayment be halted until proper documentation is provided, but XXXX has continued to threaten me with late fees, collection agencies, and negative credit reportings if I do not pay soon.
Consumer complaint received 2021-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Citizens bank have overdraft my account over a claim for a vehicle worth XXXX and now is been a weeks since they took my money I had XXXX in the account at that time and I received my unemployment money for XXXX and they took it they left me with no money what so ever I have placed numerous calls and complaints they gave done nothing the y don't care
Consumer complaint received 2019-05-19
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: Experian Information Solutions Inc. (AZ)

The following XXXX XXXX XXXX MasterCard account ending in # XXXX is a fraudulent account. I never applied for a credit card account with XXXX XXXX XXXX XXXX. The account is fraudulent, unauthorized, not mine and dont belong to me. I did not apply for the account. I am a victim of identity theft and someone else impersonating me.
Consumer complaint received 2015-12-29
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Over the long Holiday weekend my account fell below the balance needed. XXXX minus. So on Saturday XX/XX/XXXX I went to the bank and deposited XXXX into the account and brought it to about XXXX positive. It remained positive and was enough in the account to cover all small incoming. On Tuesday my account went to XXXX positive to minus XXXX of overdraft fees. I called Bank of America and asked for help in the matter. During the conversation the lady asked me where I lived and I said XXXX XXXX Ca. She replied Oh that 's the wealthy part of Ca. Which is untrue. I replied I 'm on XXXX for a XXXX like really? She declined to credit and charges cause the computer says so.
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I have fell victim to identity theft we have uploaded all the required documents on 3 different occasions since the beginning of XXXX. I have also called each credit bureau and each time Im told to just dispute the charges. These are not my accounts and no one is helping me get them blocked and the companies arent removing either. Each time they respond or I get them on the phone they state the FTC theft reports are not real because of formatting? And the gray box below the signature that is per of the report looks like marker? but yet they are downloaded directly from the FTC website and they tell me they will just dispute it and then leave the information on our reports! They have ignored the 4 business day FCRA block and I have talked to multiple representatives. The email responses state the FTC is not a legitimate law enforcement agency? Please this is ruining my life and we can not obtain a mortgage due to these fraudulent accounts. I have uploaded theft reports, irs theft reports, dmv crime fraud department reports and letters including letters specifically stating what is fraudulent and letters sent to the providers of the incorrectly reported information.
Consumer complaint received 2019-05-19
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (CA)

I missed one payment The company decredited my credit by 80 % ive been with this credit card company for many years they took it upon themselves to investigate my other accounts and based on what they found did the decredit .. I feel they shouldnt of pride in my personal finances to make there decision..I read nothing of the sort in my agreement to credit card ..plus ive never missed a payment .. Now my score went down for one missed payment ... lts none of there business how many accounts i have
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NV)

Reported via phone and chatted on line on XX/XX/2024 with American Express XXXX XXXX bevy card. and this was their response The 0 % APR offer was only towards the " Purchases '' on your card within the offer period. 

Cash advances, and card fees like annual fees are not included towards the 0 % Purchase APR offer.

The said interest charge was towards the card annual fee that was billed on your card last XXXX, for the amount of {$250.00} I have this on autopay which covers more than the minimum amount required. Is this legal? even though I make consistent payments, no purchases were made during the time period, no cash advances, but I was still charged interest fee for the {$250.00} annual card fee even though i make $ 500 monthly auto pay? I am still trying to negotiate and rectify this issue with AMEX. process still pending and no advise made yet on how to avoid this type of charges.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Nelnet, Inc. (MO)

There are XXXX different school loans on my credit report. I did not have any business with any. The one cliaming ed educational has the largest amount I never heard of. I thought that part of my loan was removed. I find out that they increased the amount that they claimed I owe is not the amount that I owe. I believe it is a scam. The other one is Nelnet who has been calling my voice message again. I do not owe anything with them. I thought all of the loan was removed years ago. This is what I asked for. They were there on my credit report causes my credit score to downward XXXX points. I think that this a scam to use against XXXX people, and lowering my credit scores is one way that has been used in the past, and hopefully not again.
Consumer complaint received 2024-03-15
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Block, Inc. (TN)

On XX/XX/2024 borrowed {$150.00}. Terms and agreement calls for a lump sum repayment of {$150.00} on XX/XX/2024. Have entered into this type of arrangment before so this is nothing new. 

On XX/XX/2024 @ XXXX XXXX, without prior notification or authorization CashApp debited my account balance by {$55.00}. 

Attempted to work through CashApp customer service to resolve matter. Representative informed me that issue to be forewarded to an exclusive in house team for resolution. Only communicates one-way via email. 

In essence CashApp breached the loan agreement by seizing money from my account.
Consumer complaint received 2024-03-15
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CORELOGIC INC (OH)

I want to remove the fraud Inquiries from my credit file XXXX Corelogic Credco, XXXX XXXX, 2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2024 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, 2024
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (WV)

I paid off my credit card with my bonus on XX/XX/XXXX, around {$3200.00}, which showed removed from my bank account on XX/XX/XXXX. I attempted to make a {$1500.00} purchase on XX/XX/XXXX and was denied through insufficient funds. I called Synchrony bank and they informed me that my payment was completed, but I could not use my card until the XXXX because they had put a hold on the payment. I explained that it had already cleared my bank account and they said there was nothing they could do. So I am unable to use the card for 7 days even though I paid it on time. If this was known, I wouldnt have paid the card off and been dependent on it to pay for things this weekend.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Subject : Opt-Out Request Pursuant to 15 UCC 6802 Dear Bank of America I , XXXX XXXX XXXX am formally submitting this letter as an Opt-Out Notice pursuant to 15 UCC 6802. I am aware that Bank of America is not officially affiliated with any credit bureaus. However, if personal information and transaction history are being reported to credit bureaus, I insist on opting out of such information sharing. 

According to 15 UCC 6802, there is no exception to this opt-out request. I demand, unequivocally, that you immediately cease any sharing of my personal information with third parties in accordance with the mentioned statute. 

This is not a mere request but a formal demand based on my rights under 15 UCC 6802. I appreciate your prompt attention to this matter and expect confirmation of my opt-out status within a reasonable timeframe. Kindly provide written documentation confirming the fulfillment of this demand at your earliest convenience. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-06-28
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Dovenmuehle Mortgage, Inc. (TX)

Dovenmuehle Mortgage , Inc . 

Mortgage closed XX/XX/XXXX ... Still showing open as of XX/XX/XXXX I have contacted the company via their account portal messaging, only to be ignored. Which is perfectly normal for such an awful company. Looking back on the last messages I sent them when I was a customer, it took 20+ days to get a response. On one massage it took over 6 weeks for them to respond.
Consumer complaint received 2017-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I need to lift my credit freeze with Equifax, XXXX, and XXXX, but I do not have a pin number, I was never sent one. I also can not get through to these three agencies and speak to a live human being about this. Please help me. 

XXXX XXXX XXXX. 

XXXX XXXX
Consumer complaint received 2020-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

Every time I check my credit I see accounts from XXXX, XXXX XXXX on my credit. This is old and stale information thats sitting on my credit report for 10+ years. Im trying to buy a home. This is causing my family economic harm during a pandemic. We can not obtain housing because of this. I should be free to go. Ive paid my 7-10 years. Please remove all old stale information from my file with all three credit bureaus. I am XXXX and caring for my granddaughters. We need to be able to get a loan for a home. Please remove these inquiries.
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (MA)

The wrongful and deceptive act was when they reported lates to the credit reporting agencies while I was under a repayment plan which protected from that very act, along with canceling my card after you claim I requested it, but DID NOT, further creating more derogatory information to be reported and further damaging my credit rating and trust with other lenders as a result of your Unfair and Deceptive acts and practices. 

Furthermore, they then called in an effort to collect the debt, but failed to state the reason for their call, nor state that it was an effort to collect a debt. This act alone is deemed an Unfair Deceptive act or practices, and prohibited by credit collection acts and laws. It is presumed that this is their standard practice and if so, other parties are likely similarly injured by their deceptive practices.
Consumer complaint received 2021-04-23
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: EQUIFAX, INC. (FL)

On XX/XX/XXXX I sent a letter regarding unauthorized inquiries that Im not aware of on my credit report. Over 30  days later I have not received any response yet. I feel like I am being ignored at this point. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items. Its been over 30 days .I demand these unauthorized inquiries to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-02-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

Good Evening, I have an FHA mortgage and I pay the mortgage payments to my mortgage provider, Pennymac USA. Back somewhere around XXXX or XX/XX/XXXX, I contacted Pennymac to see if I qualified for Covid-19 Forbearance ( Due to Cares Act and my financial hardship ). ( I'm going to request a copy of the conversation next week ) I mentioned I only wanted to take Forbearance if I can take what I owed and add it to the end of the mortgage ( Covid-19 Standalone Partial Claim ). I was told yes and I went ahead and took the Forbearance. 

Fast forward to today where I'm trying to get off of forbearance and I called to get a game plan to get me off of Forbearance. They told me I don't qualify for the Covid-19 Standalone Partial Claim. I only qualified for the Lump Sum or Loan Modification, when I got off of the forbearance. They said that to be eligible for the Covid-19 Standalone Partial Claim that " I have to be current as of XX/XX/XXXX ''. 

After further research within the hud.gov website, under Mortgagee letters ( Mortgagee Letter XXXX ) one of the eligibility says the following, " the Mortgage was current or less than 30 days past due as of XX/XX/XXXX ; '' I paid the XX/XX/XXXX payment on XX/XX/XXXX. So technically I was NOT current BUT there is the OR clause that says " or less than 30 Days past due as of XX/XX/XXXX ''. There are no asterisks or quotes around that, or anything stating to take a leap year into effect. Therefore technically as of XX/XX/XXXX I was 29 days past due. 

Therefore I believe I should qualify for the Covid-19 Standalone Partial Claim but for the whole month of XX/XX/XXXX I keep getting a " no I don't qualify '' or " we interpret 30 days past due with Leap year consideration ''. Again nowhere does it say anything about leap year, etc. My due date could be on the 15th and technically I would be 14 days past due as of XX/XX/XXXX. 

I attached the document straight from the hud.gov website ( https : XXXX ) that shows my proof of why I should be eligible. I keep requesting Pennymac to provide proof why I don't qualify but keep getting the runaround. 

Please assist and thank you in advance.
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. (OH)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX  XXXX XXXX Balance : {$280.00} XXXX  XXXX XXXX Balance : {$570.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}.
Consumer complaint received 2019-05-20
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: Experian Information Solutions Inc. ()

XXXX XXXX XXXX is fraudulent. I've never attended college. I have tried to resolve this multiple times but XXXX XXXX XXXX will not help me. They have intentionally destroyed my credit.
Consumer complaint received 2019-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

XXXX XXXX XXXX is fraudulent. I've never attended college. I have tried to resolve this multiple times but XXXX XXXX XXXX will not help me. They have intentionally destroyed my credit.
Consumer complaint received 2020-08-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (CO)

Transworld Systems Inc : Your letter states it is your intention to work with me to resolve the collection. The letter also states due to unforeseen circumstances I may not be able to pay in full and could offer payment options. I spoke with one of your trained representatives whose name and number is written on the letter with 3 payments listed for {$280.00} with a confirmation number. I was told by making the payments it would not be reported on my credit. 
Secondly, I made the 3 payments of {$280.00} on XX/XX/15, XX/XX/15 and XX/XX/15. This is not how it is reflected on my credit. I have 4 adverse accounts listed from this one collection. Despite paying as promised and you reporting despite promising you wouldnt my credit lists derogatory public record or collection filed. 
Lastly, you told me to have no further communication with you and to contact XXXX. You sent the letter to me, arranged for my payments and then you reported me.