davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ). The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1XXXX ( XXXX XXXX XXXX Account : XXXX ) Has violated my rights XXXX ( XXXX Account : XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX Account : XXXX ) Has violated my rights XXXX ( XXXX XXXX Account : XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX  Account : XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX XXXX Account : XXXX ) Has violated my rights XXXX XXXX XXXX XXXX XXXX Account : XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX Account : XXXX ) Has violated my rights XXXX ( XXXX XXXXXXXX XXXX Account : XXXX ) Has violated my rights XXXX ( XXXX XXXXXXXX XXXXAccount # XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXXAccount # XXXX ) Has violated my rights Un-authorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have Bank of America Credit card where currently I get 3 % transaction fee for balance transfer or Direct Deposit offer. Recently I started getting message that it will be increased to new rate of 4 % of each transaction, unless I contact them to reject by XXXX XXXX 2024. When I called Bank of America to reject the new fees of 4 % I was informed that it would lead to cancel the credit card. Which means I have no choice and this is a forcefully new fees raised.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

XXXX XXXX, 2017 ( XXXX EDT ) : Equifax is not accepting credit freeze requests, online or by telephone. Online you get an error message ( System Currently Unavailable ) and you are told the same thing by telephone after working your way through their voicemail tree and entering identifying information ( SSN, ZIP Code, DOB ) using a telephone keypad.
Consumer complaint received 2024-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (FL)

MOHELA has changed my student loan payment amount three times now without notification. They have also switched me between XXXX  and admin forbearance without notification. I set up autopay and then they more than double the due amount before my first payment was taken out. I checked the website two weeks before my XX/XX/20 autopay date to verify the autopay was still set up correctly to my checking account and it was {$260.00}. This was after a changed from $ XXXX  months prior. When I checked my account today to ensure the autopay was processing and they didn't switch me back into forbearance again, I see the payment due is now {$560.00}. No notification about this and now the payment will be declined as I did not plan for this amount. 

I am also unable to get through to speak to customer service rep multiple times despite being on hold for hours. I have sent messages with an automated reply saying give them 14 days to respond, yet it has been months without a response. So I have no way of getting answers. I work a ton and do not have time to wait on the phone for hours or check my account weekly in case they continue to make changes like this with no communication. 

This is causing a ton of undue stress for months while I am working XXXX hours a week making limited government-funded residency pay while trying to train to be a physician. I wish there was another company to service my federal student loans.
Consumer complaint received 2024-01-21
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (TX)

I had a loan with ONE MAIN FINANCIAL during the beginning of XXXX. 
I called to see what options I had and the XXXX had offered a refinance of the loan at a much higher payout with my XXXX XXXX XXXX ( at the time valued at {$2000.00} ) as collateral. 
I feel the offer was predatory ( due to the circumstances of COVID - furlough and not knowing status of job ) as I ended with a $ XXXX loan against a $ XXXX vehicle ( at best ). 

As well, I had added unemployment insurance when I renewed at an added cost. I was told this was to protect me if I should become unemployed and can not pay the loan it would be handled by the insurance. 

I have done the best I can to keep up with payments ( might have been late a couple of times ) and had recently lost my job in XX/XX/XXXX. When I contacted ONE MAIN I was told the process to access the insurance benefits which included documentation from the unemployment office as well as my bank. 

I have lately been denied my benefits and still have the large ( $ XXXX ) payments on no income. I have since moved back home with my family and assist in the care of my elderly mother and am not working.
Consumer complaint received 2024-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (MA)

During Fall 2022, I mailed XXXX checks to XXXX XXXX XXXX in XXXX, MA. These checks were stolen from the mailbox at the church along with several other congregation members ' checks. This theft was reported to the police, and the individuals responsible have been identified, but I do not believe an arrest was ever made. 

These checks were made out to XXXX XXXX XXXX from my account at XXXX XXXX in XXXX, MA. They were deposited into and TD Bank ATM, and TD Bank cashed these checks without checking ID and into an account NOT operated by XXXX XXXX XXXX. 

I have tried for over a year to get XXXX to refund my money, but they tell me that TD Bank is refusing to release the funds despite the fact that they know they are at fault for failing to follow any reasonable procedures to make sure the person cashing the cash was actually the person who the check was made out to.
Consumer complaint received 2024-01-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have already had b of a credit cards and they closed an account without my written consent and I Never consented to closing the account. I need the closed accounts and credit cards reopened immediately. I will be sending the IRS a 3949a form and the 211.

I also asked that Bank of America send me all my history of accounts and all the statements for all my accounts with Bank of America. I also asked that they add my daughter, XXXX XXXX, on ALL my Accounts and Credit accounts. I demand that B of A reopen my credit lines as I am the owner of the account and for every account I have, there's interest and equity inside the applications and the accounts. These Bank of America Managers are not doing as I ask and I am in need of these accounts to be opened and all my accounts need to have a limit increase immediately.

I applied and granted access to my Security accounts and I have proof that bank of america has already been paid and they are committing securities fraud and I can not be denied access to my own right to credit, which is discrimination and they are in violation of the Equal Credit Opportunities Act and the consumer credit protection act. I need Bank of America to apply my instructions as the tender of payment to the account as I am the owner of the account and I can not be denied access to my right to credit. All accounts are all prepaid, The law says NOTHING about I have to repay... So, I have accepted the the rights, titles, interest, equity owed to my principal, which I am the agent on behalf of. The banks are the Borrower, not the lender. If the bank did not have my registered security and I am the collateral too, then they would never have been able to access my credit account held at the treasury and the federal reserve window on my behalf.

I demand that they open my security account and give me my benefits and my run back my interest 12 usc 1431. The federal reserve agent shall ( means Must ) make an advancement at the federal reserve bank window for the amount I applied for on an open ended credit plan as I am the one who created the money and they are the fiduciary of my account and they are OBLIGATED to perform and I am being damaged as these applications/ contracts are not being performed properly. The application is the promissory note, so return my interest to me and I am entitled to the benefits for the bank using my registered securities. 18 USC 8 ALL debts public and private are the obligation of the United States ( Principal ).

I can not be the Creditor and the debtor. The principal is the Consumer and the borrower is the bank. CFPB, make sure they do their job and I am expecting that they reconsider and do their duty and make sure the benefits are to me. Federal Reserve Act section 16 part one and two. There is no reason and no event can Bank of America Judge me off my credit score. This is directly from congress. FOLLOW THE LAW.
Consumer complaint received 2024-01-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BERKSHIRE HILLS BANCORP, INC (VT)

On XX/XX/2024 I attempted to place a web order for items totaling {$150.00}. I had more than sufficient funds to cover the transaction. The website returned an error indicating that the server rejected the transaction and suggesting to try again. I attempted the transaction again with the same result. My account reflects transactions of {$990.00} and {$150.00}, the first amount is incorrect as at no point did I attempt to purchase items totaling that amount, these transactions seem to have been " held '' so as to maximize overdraft fees, and the credits for the failed transactions were withheld. Furthermore, when opening the account I recall specifically choosing to not opt into overdraft protection or coverage. This institution told me through the hotline that all accounts are automatically opted in.
Consumer complaint received 2024-01-19
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: OneMain Finance Corporation (MT)

I was threatned by a employe calling my work place. Telling they are debt collector from one main finaciail. They call my work alot. Then they took it to court and charged more court fees. I then got my pay check garnished and couldnt pay my rent. Then i now im getting with draws from my bank.. XXXX XXXX another deb collector working threw one main finaicial. My XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I feel this company has treated me bad.
Consumer complaint received 2024-01-19
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (NJ)

I was told I was getting a loan for XXXX with interest putting this loan at around XXXX after receiving everything the loan turned out to be close to XXXX and I didn't sign up for that. This is putting me back in debt.
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

There was a fraud claim between two people neither of which are my wife or I. It was settled and the money was taken out of our account wrongly causing us to be overdrafted and black marks on our credit report. The fraud case between these people took place prior to us ever having an account with Bank of America. The multiple times weve contacted them all they do is pass us around and tell us its been settled. I understand mistakes happen but their unwillingness to correct this mistake in my opinion has become criminal theft
Consumer complaint received 2020-10-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (FL)

I have received several call and mail from XXXX XXXX XXXX XXXX. 
phone # ( XXXX ) XXXX associated with Synchrony Net work ( XXXX ) XXXX I got to an agreement if a paid a settlement amount they will stop contacting me, clear my record from all 3 bureaus, so I have paid the settlement of {$1500.00} on XX/XX/2020, I have received the letter that I have complied with settlement. my complain is about the agreement to clear and removed account from all 3 bureaus, this has not been done and even though I complied with settlement they haven't.
Consumer complaint received 2015-12-21
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: SYNCHRONY FINANCIAL (FL)

What is the point of consent order : XXXX if the credit collection agency does not have to follow it and the courts ignore it? 

I provided the order in court and the credit collection agency squashed it and the judge would not let me use it to refute the character of the credit collection agency. In fact when I asked the custodian of record was he familiar with the order he said he had never even heard of the order. And the lawyer for the credit collection agency was not concerned about the order as well. In fact he treated it like it was a peace of paper that need to be placed in the garbage. 

A judgement was issued against me based upon the invoices from the original creditor and a bill of sale that did not list my account or connect me in know shape or form to the collection agency. The bill of sale was filed 1 hour before the trial with the courts despite both sides agreeing to participate in discovery. I know you ca n't help me but I just wanted you to be aware that portfolio recovery is not following the consent order and its employees are not even aware of the consent order. 

I am attaching documents from the court case to this email to verify my concerns to you. All the records are public domain. Here is the website for the records XXXX and here is the case number XXXX. 

If you do not have the authority to make them comply please let the public know because if I knew they did n't have to comply I would have settled with them back on XXXX XXXX 2015. I looking forward to a response to my question.
Consumer complaint received 2024-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

My mother is XXXX XXXX XXXX and has XXXX, I have a POA for her which also gives me access and control to her financial affairs. She has a joint bank account with her husband from whom she is separated and has not been in contact with for many years. His last known residence is in the XXXX, but no one has been able to find him. 

I went to the bank with my POA and requested access to the account, they declined. I asked for a written reason which they sent in a letter dated XXXX, XXXX XXXX. The reason for denial of the request is that they would require written permission from the other joint account holder before they could honor the POA. 

My lawyer is of the opinion that the POA gives me access to all her financial accounts. And indeed it was accepted by XXXX XXXX XXXX, The account is active and continues to receive a monthly social security XXXX. However, because of the banks refusal to accept the POA we are unable to access the funds and to our knowledge neither has her ex husband. Because of her XXXX, my mother is unable to go to the bank to gain access to her account.
Consumer complaint received 2020-01-13
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC. (PA)

Upon pulling my credit report I noticed Ally listed which is inaccurate. I requested the debt to be investigated on XX/XX/XXXX and received a prompt response on XX/XX/XXXX only stating " we have researched our records and have determined that the information is correct '' with a bill of sale no proof of the debt. On XX/XX/XXXX, I sent another letter to requesting more information on how this was researched and to please forward all correspondence to me directly about this debt with no response within their 30 day response time frame.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

I am writing to bring to your attention the ongoing and deeply concerning issue I am facing regarding the persistence of fraudulent items on my credit report. Despite multiple attempts to rectify this situation through your dispute resolution process, I have encountered significant challenges, and the fraudulent items remain unresolved. 

I have taken the following steps in my attempts to resolve this issue : I have submitted disputes for each fraudulent item through your designated online dispute platform, providing detailed information and supporting documents. 

I have contacted your customer support hotline to inquire about the status of my disputes. Unfortunately, the information provided has been inconsistent, and there has been no resolution to date. 

In an effort to expedite the resolution, I have submitted supplementary documentation [ list any additional documents submitted ] to strengthen my case and provide clarity on the fraudulent nature of the items in question. 

Despite these efforts, the fraudulent items persist on my credit report, causing undue stress and negatively impacting my financial standing. This situation not only compromises the accuracy and integrity of my credit history but also erodes my confidence in the effectiveness of Credit Bureaus dispute resolution process. 

I request an immediate and thorough investigation into the fraudulent items on my credit report, along with a prompt resolution to correct these inaccuracies. Additionally, I seek transparency regarding the specific steps taken during the investigation process and a detailed explanation for the continued presence of these fraudulent entries. 

I understand the importance of accurate credit reporting for both consumers and creditors. It is my expectation that Credit Bureaus will take immediate and decisive action to rectify this matter and provide a resolution that restores the accuracy of my credit report. 

If this issue is not addressed promptly and satisfactorily, I may have no choice but to escalate my complaint to relevant consumer protection agencies and seek legal advice to safeguard my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX Balance : {$1400.00}.
Consumer complaint received 2024-01-13
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: Experian Information Solutions Inc. (NY)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$250.00} ; XXXX XXXX Balance : {$1600.00}.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

The resolution provided was not acceptable and did not meet the request. My score was reduced by XXXX points without explanation. There was nothing reported " new '' that would have cause for a XXXX point drop. I requested what was reported, but there was " nothing '' new reported to cause a substantial drop. I called FICOS as they mentioned to do and again they confirmed only a substantial drop would occur if something was negatively reported. Since nothing was reported on my credit report and their agents also confirmed that they saw nothing, and it maybe an " accident " I need confirmation of what was actually reported to cause the decrease.
Consumer complaint received 2024-01-13
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. (LA)

I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included in the screenshot inside this complaint in on dates of [ XX/XX/2023 ]. Please investigate and provide proof of with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks please see screenshot attached :