davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

I recently requested a credit report thru my XXXX XXXX XXXX XXXX on XXXX/XXXX/16 ... I noticed a XXXX XXXX in my name with a XXXX XXXX address that shows that service being used on XX/XX/XXXX thru XX/XX/XXXX that does not belong to me ... I have never lived in XXXX XXXX and I have never used XXXX ... I need to dispute this incorrect information off my credit ... Please assist or advise ...
Consumer complaint received 2024-01-24
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. (IL)

This serves as my formal complaint to EXPERIAN. I am seeking the correction of late payment notations to accurately reflect my timely payments. I assert that the payments in question were made on schedule. In the event of any uncertainty, I urge you to reach out to me or the customer service representative associated with the relevant account. The portrayal of late payments in my credit report is deemed a violation of the Fair Credit Reporting Act ( FCRA ). As per FCRA regulations, it is imperative for you to possess documented evidence from the original creditor, ensuring the complete accuracy and truthfulness of this information.
Consumer complaint received 2015-03-23
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

I recieved a notice from Midland Credit Management , Inc. ( MCM ) that I owed an " original Creditor : '' XXXX ( South Dakota ), XXXX. and that the current balance was {$18000.00}. It does not describe what the debt is for or any details concerning it. I have no knowledge of any such debt. 
MCM offers a 70 % discount if I pay {$5500.00} by XX/XX/2015. 
I have never failed to pay a debt in my life. 
I called the phone number which is on the front page of their notice, at least XXXX places, XXXX times over a three day period and recieve a recorded answer : " All circuits are busy, please call back later '' or " Call can not be completed, try again later '' " message TX XXXX MN. ''
Consumer complaint received 2022-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I requested to have PMI cancelled. 

I received an email from XXXX XXXX with language attached that applied to refinancing. The language hes using does not apply to PMI cancellation as to what the original value means. 

Hes using apple language and the requirements from my investor for canceling PMI for original value is not the same.

Why is Bank of America continuing to put up road blocks to hold onto canceling PMI.
Consumer complaint received 2020-10-16
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. (CA)

This is my SECOND complaint. I find this unnecessary that I'm having to do this again. I did file the first complaint not anyone else This is a stall tactic on their part. I have file a dispute back in XX/XX/2020 one complaint already and now second one. It has been XXXX months now and NOTHING. How many times do I need to file things to get this DONE. If this is not taken care IMMEDIATELY I will have no choice but to take legal action against Experian.
Consumer complaint received 2022-03-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc. (NY)

I filed a previous complaint # XXXX ... ..against Comenity Capital Bank, XXXX XXXX XXXX, XXXX Ohio XXXX. I was offered financing from my dentist to pay for a procedure. The dental office told me I could make monthly payments when I was approved ... .no one explained that there would be late fees if I did not pay by the XXXX every month. I called Comenity and told them due to my pay schedule I could not pay the XXXX and asked if they could make it a later date in the month. They refused to it. I have made similar arrangements with other creditors. Every month I make my payment and every month they charge me a {$41.00} late fee. Why do I have to pay this fee which was never disclosed to me when i signed up? I have never missed a payment. They responded to my original complaint by crediting me {$50.00} only to charge {$41.00} again on my most recent bill. They are stealing from me and I refuse to pay anymore. Why are they allowed to bully their customers and steal funds through this ridiculous policy. As I said, I have never missed a payment so why do I have to pay {$41.00} extra every month. I need the CFPB to stand up for me!! My account number ends XXXX.
Consumer complaint received 2020-09-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

Carrington mortgage ( XXXX XXXX XXXX   XXXX XXXX  ) Carrington Mortgage services is the lender who is listed as my  mortgage holder. I make payments to them on this loan. This loan is currently in forbearance expiring on XX/XX/2020. The Forbearance began on XXXX XXXX When the pandemic began. I would like to give you some details. A payment was made on XXXX XXXX in the amount of XXXX. Record of payment is enclosed. The payment was enough to cover 2 months ( XXXX and XXXX ) leaving a balance of {$380.00} in suspense. I am working on making another payment by the end of the week on XX/XX/2020 in the amount of {$1100.00} Which will cover 2 more months ( XXXX and XXXX ). I have been communicating with the lender Carrington Mortgage services as they told me because there are programs that might the payments to bring my account current. I only owed the month of XXXX. This record of payments is also listed on a printout provided by my lender. I just wanted to make sure you were informed properly of my situation and giving the opportunity to do so. Also I wanted to add that I was contacted by a person of the name of XXXX ( XXXX ) XXXX XXXX XXXX ( mortgage Investment firm ) He stated that he wanted to work out the mortgage payments with us. I asked who he was and he stated to me that he was assigned from carrington Mortgage company. I said to him do you know that attorneys were involved with this situation. He said he didn't know that. He wanted the name of the attorneys. I stated to him that you should of got that from the mortgage company. He said that he will get back to me as soon as he gets that information. The attorneys who submitted paperwork to the court house are ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) address :XXXX XXXX XXXX, XXXX XXXX XXXX, new york XXXX
Consumer complaint received 2022-02-04
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. (CA)

XX/XX/XXXX / 30 days late 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2015-06-19
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: First Data Corporation (NJ)

First Data Global Leasing/corporation did nothing but deceive from the XXXX meeting with company representative XXXX XXXX, promising a non existent manual processing machine ( " XXXX '' ) for a trade show promotion, to no initial fees which were taken from my business account 5 days later, an automatic signup for " XXXX '' coverage that I specifically and quite clearly declined and all on a binding contract that was never signed. Repeated phone calls were never returned by the F.D.G.L. representative, XXXX XXXX, to address these issues. But when I went to XXXX, the point of vender contact, a call to his phone was answered immediately when placed by the branch manager. How can this possibly be legal? They NEVER batched out a single transaction, because we NEVER used, connected the terminal or processed a single card with the terminal. When I finally made contact with a F.D.G.L. agent, I was informed that XXXX XXXX no longer worked for the company and my contract is legal and binding. I agreed to a 3 year lease for the processing and the agent extended the terminal lease to 4 years. Now that the contract for the processing is over, they want {$600.00} for early cancellation of the terminal lease, plus the money for XXXX which I clearly stated I did not want nor need. I HAVE INSURANCE. How can this be legal? HELP ME PLEASE. Sign me up for any class action OR any action that can be taken. I have all of my records ; contract, bank withdraws, contact info etc. and will forward as requested.
Consumer complaint received 2022-07-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: OLD NATIONAL BANCORP (CO)

On XXXX I notified First Midwest Bank, now Old National Bank that my Mother passed away. I spoke with XXXX a banker she advised that I needed to send a copy of death certificate, copies of the XXXX ID and a noterized letter that I wanted to close the accounts. This info was sent certified. Two weeks later XXXX called me and said that the bank XXXX said that I would have to travel to XXXX in order to even close the account. This whole problem has now taken 4 months. This should be illegal and I believe it is. Beware of this bank location in XXXX IL.
Consumer complaint received 2016-03-05
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Phillips & Cohen Associates, Ltd. (MA)

Beginning at the end of XXXX, I have been trying to settle an old charge-off debt for a XXXX credit card that was charged off some time ago. Repeatedly, I have called to XXXX XXXX associates and XXXX XXXX, as well as XXXX bank. Each sends me to the other, stating that the account has been sent to the other or that it has not been entered to their office yet. I have called XXXX and XXXX repeatedly. I 'd really like to just settle this debt, but over the past month, it has proven nearly impossible. ( Note name on account is XXXX XXXX )
Consumer complaint received 2024-01-24
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: Experian Information Solutions Inc. (SD)

Ive been trying over and over again, but I just cant seem to get rid of these false inquiries on my credit report. They have nothing to do with me, and Im not responsible for them. Theyve been causing me a lot of stress, both mentally and financially. As someone whos had their identity stolen, I feel like I have no choice but to think about taking legal action if this isnt sorted out properly. These wrong and fraudulent entries on my credit report have stopped me from buying the house Ive always wanted and from taking care of my familys needs. Theyve really hit me hard financially.
Consumer complaint received 2024-02-14
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To my knowledge, FCRA 605B states that inaccurately reported accounts should be removed from credit reports. I'm uncertain about the specifics, but please review the accounts detailed in the documents. They're inaccurately reported on my credit history, including erroneous account information and statuses. This situation has upset me, and I'm feeling unwell. I'm reaching out for your assistance.
Consumer complaint received 2020-10-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: GreenSky, LLC (NC)

I filed a complaint against GreenSky, the complaint has now been closed, however in the complaint they agreed that I was owed money and credited my account, however I was not refunded and because I did not want to incur additional charges I paid them in full. I believe this disputed amount which they sent a bill showing the credit, should be refunded to me. When I called they advised they XXXX  the account due to payment In full and the account is now closed. However since they agreed the disputed amount should be credited to my account I am not understanding why they have not refunded me.
Consumer complaint received 2016-06-30
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

What happened to my XXXX XXXX, 2016 's alert email? In XXXX XXXX, 2016, the associate had told me that I had to cancel my debit card ( {$400.00} ) in order to reopen my claim because I did not report as stolen card and there was no 48 hours response concerning about the 60 days period from you, back in XXXX XXXX, 2016.
Consumer complaint received 2020-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (DC)

On or about the month of XX/XX/XXXX, I received a phone call from XXXX the administrator of XXXX XXXX XXXX XXXX, referencing the dental bill balance of {$110.00} will be written off and she would notify the collection compant. After retrieving my credit report, The Capital Accounts collection company account # XXXX is continuing to list this negative debt on my credit report with " XXXX  '' and is continuing to violate Sec. XXXX. [ 42 U.S.C. 1320 a-7b ] of the XXXX XXXX XXXX XXXX. In my previous complaint # XXXX I explained that I am a XXXX recipient/secondary health insurance XXXX  and XXXX XXXX XXXX XXXX in which that information was given to Capital Accounts. According to Mr. XXXX a representative of the capital account collection company there has been one attempt on XX/XX/XXXX to contact XXXX XXXX 's office at XXXX and there has been no return response. Although I filed a complaint in XX/XX/XXXX the negative reporting is continuing to be listed on my credit report and this issue is still ongoing. After speaking with the XXXX XXXX XXXX claims department it was stated to me that XXXX XXXX office is violating the XXXX contract or agreement at the time that service was rendered. Since then and after XXXX notified me by phone, I assumed we all have moved forward from the issue and the XXXX  office resolved this matter with Capital Account. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2016-07-13
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL (NC)

I was charged for a service I did not ask for that they took out of my payments fpr years, this was done through my automatic payments. Though they reimbursed me for the fee I was not reimbursed for the collected interest that I had occurred and had been applied to my unpaid balance. I do not wish to pay them any further money as I believe they owe me money.
Consumer complaint received 2016-09-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MA)

My husband and I got a loan modification and signed the papers in XXXX. We signed them and returned them. Our trial payments started for XXXX XXXX. When the bill arrived for XXXX it 's said the balance due and then it said we were late and we owed double the payment. I sent the single payment and also sent a copy of the agreement showing the XXXX payment was due on XXXX XXXX. I then followed up by called the XXXX number and it said our payment was made and the next payment was due on XXXX XXXX. We then paid that payment on XXXX XXXX. I kept calling the XXXX number to check the status but it kept saying our payment was due XXXX XXXX but never changed even though they cashed out check. When I received the new bill for XXXX it showed our payment but now it is showing my applied as XXXX trial payment. I sent copies of our agreement with the payment schedule and the copy of the post office receipt because I sent it with tracking. The new bill for XXXX says we owe our full mortgage. We have paid our trial payments on time.
Consumer complaint received 2020-08-18
Product: Student loan — Federal student loan servicing
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Nelnet, Inc. (CA)

I've reached to Nelnet because in XX/XX/2014  I feel behind in monthly payment I was high risk XXXX I had to stop working I reached out to them to stop payments and they did but I was 3 months late, they weren't able to remove the late charge as they said they were after I paid the balanced, the 3 months late in XX/XX/2014  is still damaging my credit, the reason for this is if I can get the late payment removed, I'm a first XXXX XXXX XXXX and this is damaging my credit to qualify, my account has been up to date and good payment history since XX/XX/2014,
Consumer complaint received 2022-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (MI)

ON XX/XX/XXXX, AS I NORMALLY DI, I WITHDREW 500 FROM MY PEOPLE DRIVEN CREDIT UNION AND DEPOSSITED 440.00 INTO MY NAVY FED ACCOUNT. I SOMETIMES EITHER DO A TRANSFER, ELECTRONIALLY, BUT 90 % OF THE TIME, I DO CASH DEPSOSITS. I CONTACTED NAVY FEDERAL ON XX/XX/XXXX BECAUSE I NOTICED THAT MY DEPOSIT WAS NOT IN MY ACCOUNT. I SPOKE XXXX IN ACCOUNTING WHO TOLD ME THAT HE SAW THE CASH DEPOSIT AND THAT IT WAS ON HOLD. I ASKED HIM WHEN DID CASH DEPOSITS START BEING ON HOLD, HE SAID THAT THE NORMALLY ARE NOT. HE PLACED ME ON HOLD AND COMES BACK TO THE PHONE AND ASK DID I HAVE A RECEIPT SHOWING MY WIHDRAWAL. I SCREENSHOT THE WITHDRAWAL FROM MY ACCOUNT AND EMAILED IT TO THEM, HE PLACES ME ON HOLD AND THEN A LADY, WHO INTRODUCED HERSELF AS A SUPSERIVOR BY THE NAME OF XXXX, THAT COULD BE SPEELED INCORRECTLY, BUT SHE SAYS THAT THERE IS NO WAY THAT THEY CAN CONFIRM IF IT WAS A CASH DEPOSIT. I ASKED HER WHAT ELSE CAN YOU TAKE OUT OF AN ATM. THE SCREENSHOT SHOWED THE AMOUNT AS WELL THE ATM, TIME AND DATE. SHE REFUSED TO RELEASE MY FUNDS. I AHVE NEVER GIVEN NAVY FEDERAL A DEPOSIT. MY PATTERN HAS BEEN THE SAME SINCE I JOINED THE CREDIT UNION.
Consumer complaint received 2015-05-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My Bank of America ( BOA ) checking account and BOA credit card was hacked for {$10000.00}. According to BOA, a criminal, most likely assisted by BOA employee ( s ) joined my account using the BOA website. The next day, a criminal went to a local BOA and over withdrew the funds from my checking account. The overage was charged to my credit card. Upon getting my regular BOA monthly credit card bill, I contacted BOA and they issued a refund. NOW I 'M UNABLE TO OPEN AN ACCOUNT AT XXXX DUE TO SUSPECTED FRAUD ACTIVITY BY ME ON THE XXXX REPORT.
Consumer complaint received 2024-01-24
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. (PA)

I just got my credit report on XX/XX/XXXX and noticed some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ).

They also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 16811 ( 5 ) ( A ) ( i ) & ( ii ). At this point I believe they are doing this on purpose. According to 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

They must be blind because everything is inconsistent.