davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Subject : Credit Card Application Reconsideration - Reference Number XXXX Dear Sir/Madam, I hope this letter finds you well. I am writing to kindly request you to reconsider the recent decision regarding my credit card application, reference number XXXX, which was unfortunately declined due to the reason stated as " too many inquiries ''. Upon receiving the decision, I felt compelled to provide some context which I believe might alter the perception of my creditworthiness. 

Firstly, I would like to clarify that the inquiries mentioned were solely for the purpose of refinancing my student loan, and not for obtaining multiple lines of credit. There were indeed only two inquiries in the past year, both integral to the refinancing process, which was undertaken to secure a more favorable interest rate and improve my overall financial standing.

It's paramount for me to highlight my existing relationship with Bank of America, which I deeply value and wish to expand upon. Currently, I hold two auto loans with your esteemed institution, and recently, I had the privilege to open a private wealth management account, maintaining a balance of {$6.00} XXXX. This, I believe, is a testament to my financial stability and trust in your financial instruments and services. My FICO score stands at an excellent XXXX, further underscoring my commitment to maintaining a solid credit history. 

Given the above factors, I genuinely believe that the decision to decline my credit card application may not fully reflect my financial situation and my longstanding relationship with the bank. The addition of a credit card from Bank of America to my portfolio would not only strengthen our banking relationship but also provide me with a streamlined financial management tool that complements my current and future banking needs. 

Therefore, I respectfully request that you review my application again, taking into consideration the information provided about the purpose behind the inquiries and my longstanding, robust relationship with Bank of America. I am fully open to providing any additional information or documentation that might be required for a reassessment of my application. 

I sincerely appreciate your time and consideration in revisiting my application. I am hopeful for a favorable response and look forward to further enhancing my relationship with Bank of America. 

Should you need to reach me for further discussion or require any clarifications, please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Thank you for your time and understanding. 

Warmest regards, XXXX XXXX
Consumer complaint received 2020-07-03
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. (FL)

I am writing because I do not recognize certain items on my credit report. The accounts are listed below. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them. 

For some, I recognize the names that are listed as original creditor, but I dont understand how I could owe so much as I dont recall ever having gotten so much debt.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (FL)

I never applied for or ask for or paid for a credit card from XXXX XXXXXXXX or Citibank I have never used Citibank in my life or capital one I have never lived in XXXX XXXX or visited all three of these items are on. My credit report I have been trying to change the XXXX XXXX lie on my report for over ten years my sister stoked my Id and has been using it over 20 years I also never ask for any cell phone from cellular one I have lived in XXXX for the 8 years we dont even have cellular one in XXXX XXXX XXXX XXXX my sister who stole my identity she lives in XXXX XXXX XXXX XXXX XXXX XXXX she is behind these credit cards on my report and cellular one and she is the one who lived in XXXX XXXX for over 20 years not me I need my credit report corrected please
Consumer complaint received 2024-03-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates (FL)

In my interactions with XXXX XXXX and LJ Ross Associates, several concerning issues have arisen, including breaches of privacy laws, violations of the Fair Debt Collection Practices Act ( FDCPA ), and misreporting of account information. Communication with XXXX XXXX, Executive Solutions Specialist, XXXX XXXX ( Credit and Collections Investigator ), and other representatives from XXXX XXXX and LJ Ross revealed lapses in privacy protection and failure to inform me of my rights under the FDCPA. Despite my efforts to address these concerns, including initiating correspondence and requesting verification of the debt, XXXX XXXX 's responses have been inadequate, exacerbating the situation. These issues necessitate further investigation and resolution to ensure compliance with relevant laws and regulations. Please see attached evidence to support my claim.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (VA)

I obtained a XXXX XXXX XXXX from Navient in XXXX. This was not a student loan! The loan was co-signed by my mother. 
I filed for XXXX XXXX XXXX XXXXXX/XX/XXXX listing Navient as a creditor. 
XXXX XXXX XXXX was XXXX XX/XX/XXXX listing the Navient account as XXXX. 
Navient continues to report the account as a student loan and has reported the loan pass due since XX/XX/XXXX with a charge off on XX/XX/XXXX. 
I am in the process of filing a motion with the XXXX XXXXXXXX for contempt of court. 
Disputes with the credit bureaus come back as certified by Navient. 
Navients actions have adversely affected my credit report.
Consumer complaint received 2024-03-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Linebarger Goggan Blair & Sampson LLP (FL)

On XX/XX/2023 I received communication from ( Linebarger Goggan Blair & Sampson, LLP ) I requested verification about the alleged debt, which I didn't received. The company is in violation of 15 USC 1692g ( a ) 15 USC 1692g ( b ) 15 USC 1692f ( 1 ) unfair practices. 




The FDCPA broadly prohibits a debt collector from using 'any false, deceptive, or misleading representation or means in connection with the collection of any debt. '
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

Equifax said XXXX XXXX confirmed the balance owed correct and up to date. However, there are and have been balance discrepancies with XXXX, XXXX, and the exact amount for the garnishment through XXXX XXXX XXXX XXXX XXXX system. Note, as of XX/XX/XXXX XXXX reported I owed {$4200.00}, but I made a payment of {$1100.00} on XX/XX/XXXX reducing the balance to {$3100.00}, as of XXXX my XXXX credit report said I owe {$4200.00} ( the exact same amount I owe 12 months prior ; as of XX/XX/XXXX XXXX said my balance was {$4200.00} ; as of XX/XX/XXXX XXXX XXXX XXXX XXXX said I owed {$3800.00}. ( includes court fees ) which I just paid to XXXX XXXX. This credit history of different and inaccurate balance discrepancies by different reporting agency has resulted in me being denied credit for the last 2-3 years. See attached pdf documents as proof. Moreover, XXXX outright refused to work or communicate with me through the pandemic like my other creditors did ; my credit report reflects this.
Consumer complaint received 2018-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: HUNTINGTON NATIONAL BANK, THE (NC)

XXXX XXXX XXXX XXXX XXXX is charging me for a credit card that I have never had ... someone had fraudulent open a account in my name without my authorization ... this account needs to be removed off my credit report due to fraud.. I have filed a police report ...
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC (NY)

My payment for this Cerulean MasterCard is due on the XXXX of every month. After the XXXX all my payments are late and subjected to penalties ... which I understand. 

Cerulean/Continential Finance received my payments before XX/XX/2024. On XX/XX/2024 I made a {$25.00} payment for the upcoming XXXX payment. On XX/XX/2024 I made a {$25.00} payment towards the XX/XX/2024 payment. On XXXX the XXXX, I made a {$58.00} payment for XX/XX/2024 totalling {$100.00}. 

On XX/XX/XXXX, Cerulean/Continential Finance billed me {$41.00} saying that I was late paying when I had all of my payment in before the XXXX of XX/XX/2024. They also charged me an addition {$36.00} for interest on a purchase. Last month it was {$35.00} for the interest on the same purchase. 

I called they told me they had no payment for the {$25.00} and therefore I was late because my bill was not paid on time. I told them this was not true and I am looking at all my payments for XX/XX/2024. The agent wanted to argue with me. This is the 2nd month in a row that they have been cheating me, and I have had enough of it. 

The credit card has a XXXX balance. After paying XXXX installment of {$100.00} from the {$1500.00} balance. I received a statement stating that I owed {$1400.00} total balance. I never was credited to have the amount paid taken off my balance, and have decided not to pay anymore on this card until I am placed in right standing without extortionary, predatory practices being inflicted upon me as a cardholder. 

They have suspended all purchases, and take my money but do not credit my account accurately or fairly. On top of my installment I am charged {$35.00} to {$36.00} per month plus late fees in which I am not late. 

I want my purchases to reflect my payments, and to be made whole.
Consumer complaint received 2023-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (NY)

I am writing about account XXXX As I have stated in an earlier complaint this company is ridiculous now because I filed a complaint they are holding my money till the end of the day illegally. This is not legal to do in the United States of America unless the customer agrees ahead of time. 

I am starting to see that PayPal is acting in a discriminatory way that may constitute racism.
Consumer complaint received 2024-03-13
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ACIMA CREDIT, LLC (NY)

When my husband died, I advised ACIMA by email. I also called and sent a death certificate. I was told that the payment would be refundef once they processed the document. The next week another payment was taken. I called again and was told that it would be refunded once the department processed the document. I followed up and no response until a third payment was taken. When I called, I was told to contact my bank becuase ACIMA could not do the refund. 

The bank filed the claims and ACIMA rejected them leaving my account overdrawn.
Consumer complaint received 2024-03-13
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: CBC Companies, Inc. (IN)

The response to my previous complaint did not resolve my issue. I complained that your website had issues that seemed to remove my scheduled payment, resulting in me getting a late payment on my credit reporting. You responded by confirming that your website had issues due to a breach, and also confirming that my payment was not processed until a month later, therefore the late payment was valid. 

So, again, your website had issues, which I had reached out to you via email about several times, including before I ever received this late payment. I was under the impression the payment was scheduled, because the website mislead me due to the error code which is presumably related to the breach. When I discovered the issue, I was able to make a manual payment, but at that point it was over 30 days late. Because you caused this, however, and because you promised there would be no penalty for any payments caused by your website issues, this is unacceptable. I would like my credit reports fixed.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

Under the regulations set forth in 15 USC 1666b, late payments linked to accounts identified as XXXX and XXXX must be removed from my credit report. Furthermore, pursuant to 15 USC 1692g and in accordance with the updated Fair Debt Reporting Act ( FDRA ) guidelines, the account referenced as XXXX is to be expunged from the report. Additionally, in accordance with XXXX5 USC 1681c-2, all inquiries are mandated to be removed from my credit report. Moreover, as per 15 USC 1681B and in adherence to section 604, all charge-offs must also be expunged from the report.
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

I switched to a Chase Freedom Unlimited cash back card thinking I would receive XXXX XXXX cash back on my purchases and to collect XXXX point per dollar for purchases using that card. After XXXX years and never seeing any credits to my accounts for the cash back I called to inquire. The representative said that the cash back is in the form of points. There no cash back unless I cash out the points which isn't worth much to make it worth it. I have to use the points on the chase portal to get the value out. I feel duped. I thought I had a great card instead I need take the time to shop around for a better cash back card.
Consumer complaint received 2020-07-03
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)

XXXX XXXX XXXX is being reported inaccurately on my report. I contacted XXXX XXXX  to advise the about a hardship due to covid 19 and that I would be paying the car off within 2 months ... .They agreed not to report late payments due to this hardship due to the pandemic. and I in part held up my end of the bargain and paid the car off last month. I need them to delete the late payments that they reported as we had an agreement and this was cause by a pandemic. also they are still reporting a balance on my report and have not updated since XX/XX/2020 ... please help me
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK (MD)

I CAN NEVER SEE THE AMOUNT DUE PRIOR TO THE DUE DATE. THE AMOUNT DUE ALWAYS XXXX I HAVE TO Guesstimate THE MONTHLY PAYMENT, I HAVE NEVER SEEN THE AMOUNT DUE, THEY REFUSE TO CORRECT THE PROBLEM THEY THEN POST IM OVER THE LIMIT TO DRIVE DOWN MY CREDIT SCORE, NONE OF MY OTHER CREDIT CARDS DO THIS, THIS IS ILLEGAL AND MUST BE STOPPED,
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I was given a {$10000.00} credit line and have paid ahead and paid it on time for the time I have had it, but bank of america reduced my credit line which will affect my credit score and they know it.. My scores are still XXXX and should not have had this happen. 


CREDIT LINE REDUCED Account number ending in XXXX Bank of America Unfortunately, on XXXX, we reduced the credit line on your credit card account ending in XXXX. 
We wanted to let you know about your credit line change as soon as possible, and we apologize for any inconvenience this may cause. We want to make sure you understand how this change could affect you and what you can expect. 

We'll be sending you a separate letter by mail to explain why we made this change. Please read it carefully. It provides you with more detailed information. 

What the change means : Your new total credit line is {$7300.00}. Your new cash credit line, which is a portion of the total credit line, is {$1200.00}. 
If you had any pending checks, balance transfers or direct deposit requests on your account that if paid would exceed your new credit limit, they may not be approved.

Your account remains open and your current Card Agreement remains in effect. 
This change does not have any effect on your account status or benefits. 

Learn more about understanding and improving credit by visiting XXXX XXXX XXXX, which provides tools and information to help you manage your money. 

Legal disclosures and information Contact Us | Privacy & Security You're receiving this servicing email as part of your existing relationship with us. 

Bank of America, XXXX XXXX XXXX, XXXX, FL XXXX. 

Bank of America , N.A . Member FDIC. Equal Housing Lender XXXXXXXX Bank of America Corporation. All rights reserved.
Consumer complaint received 2024-03-12
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (FL)

Navient reported my account XXXX days delinquent when it was NOT, I have been having my bank account debited since XX/XX/XXXX almost {$800.00} a month. My account has not been updated since speaking with Navient In XXXX, when they promised to fix it. Today, a Supervisor apologized and stated that it took them a few days more than expected which caused my account to report as delinquent and to give it XXXX more days to correct itself in the system, This NOT ACCEPTABLE as it has caused my credit score to drastically drop and I have been denied credit for purchases.
Consumer complaint received 2024-03-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: WELLS FARGO & COMPANY (WA)

To cancel private mortgage insurance, Wells Fargo Home Mortgage requires that the value to loan ratio be 80 % of the original mortgage cost- for example, they will only cancel the PMI when a {$400000.00} loan has been paid down to {$320000.00}. This is a federal requirement. For this to be assessed, however, they require either an appraisal or a broker 's opinion. Which makes sense. Except, they will only let you use one of their identified brokers or appraisers, which is a conflict of interest. They also require {$500.00} for the appraisal ( more as the house gets bigger ), or {$150.00} for a BPO. I had an independent broker assess my house and deliver the required documents to me, which I then sent to Wells Fargo. They rejected this, and told me that I had to pay {$150.00} for their OWN broker to determine the price of my home... which clearly benefits them. Additionally, the county 's assessment on my value to loan ratio isn't sufficient for them. I understand the necessity to judge the value of the home ; the issue is that they require you to pay a third party that you don't get to choose to value your home. I spent 10 min on the phone with their broker, and it cost {$150.00}. This is inappropriate, and I would like them to accept my independent broker 's opinion, or at least not require that I use one of their own appraisers or brokers. I have enough value in my home to stop paying PMI, and they clearly benefit from this arrangement.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CURO Intermediate Holdings (SC)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-11
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: EQUIFAX, INC. (GA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Torriere Holdings INC (CA)

I am writing the CFPB to inform you of the improprieties conducted on behalf of Spire Recovery Solutions. Spire Recovery Solutions has no Proof of Authority, written consent, or court order that gives them permission to report anything about XXXX XXXX XXXX publicly. The FDCPA Fair Debt Collection Practices Act was put in place to protect consumers from such trespasses. XXXX XXXX is in direct violation of my right to privacy as pursuant to the Bill of Rights. Spire Recovery Solutions is Defaming my name and character to the public and is also in violation of the US Constitution. These discriminatory transactions that are being reported are impacting my ability to attain goods like buying a home for my personal, family, or household needs. My intent is to seek remedy in Federal Court