davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Ive been a customer with bank of America for a long time and never had any issues. Last week my account was compromised and there was a number of unauthorized transactions. All the transactions occurred on XX/XX/year>. I disputed 3 {$10000.00} {$500.00}, and 1 {$100.00} transactions and they were denied. I already tried to get refunds from the merchant but they are not cooperating. I need Bank of America to chargeback the merchant as credit not processed or services/merchandise not received and return the funds to my account ASAP. I have bills to pay and this whole ordeal has left me out of XXXX, currently behind on rent and other bills. My livelihood is at risk. What does BoFa expect me to do? How do I get my money back? I thought my funds were safe with them.
Consumer complaint received 2024-01-19
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. (TX)

I am resubmitting this complaint to EXPERIAN regarding the presence of fraudulent accounts on my credit report. Despite previously filing an FTC report with the identity theft report number XXXX  I have observed that these fraudulent accounts persist on my credit report. I had hoped to rely on EXPERIAN to safeguard my information and furnish accurate credit reports. 

Unfortunately, my credit report continues to contain multiple inaccuracies, including erroneous balances, dates of late payments, payment statuses, dates of last payments, and violations under FCRA policy and CFPB rules, particularly concerning medical collections. To support my case, I have once again attached the FTC report along with a detailed letter of explanation outlining the reasons these accounts should be rectified or removed from my files.

I appreciate your prompt attention to this matter and trust that EXPERIAN will take the necessary steps to address and rectify these inaccuracies promptly.
Consumer complaint received 2021-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX thought I was giving the person some money and the later found out it was a scam. I told Bank of America about and they said that cant do a thing about it. 
It started back at XX/XX/2021 and I last contacted the XXXX
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDEN 1 CREDIT UNION, THE (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-01-19
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. (PR)

I previously submitted a dispute for the charge off account for the XXXX XXXX XXXX credit card on my credit report which is affecting my credit at the time. I requested information regarding this account which in this case could mean identify theft because I am not able to recognize this account. Ive inquired regarding the account on numerous occasions. The address associated with this account I have never resided there which has now as disputing has been removed off my credit report. The name as well has been misspelled which I previously brought up as of red flags. Due to federal law if proof that this account is mine indeed they have to delete this account from my credit report.
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/2020 I sent letters requesting that the accuracy of the information on my credit report be investigated. After 30 days the information came back verified. Once information came back verified, in XXXX XXXX XXXX contacted me. I again questioned the validity of the information. XXXX XXXX sent me a contract with no letterhead, information missing although there was a dollar amount associated with it. In XXXX I again emailed asking the company to provide accurate information. On both XX/XX/XXXX and XX/XX/XXXX XXXX XXXX sent out invalid documents to prove accurately that I own the debt among with an incomplete ledger. In the recorded call the XXXX XXXX agent agreeing the information is incorrect, I have the recording.
Consumer complaint received 2015-08-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (DE)

On XXXX XXXX, 2015, an elderly customer went into a local branch of Wells Fargo in XXXX, PA and asked the teller to transfer {$6000.00} from a savings account into a checking account. The teller, in error, transferred the money from the checking into a savings account. This action caused the checking account to be negative. On XXXX XXXX, the customer attempted to withdraw money via an ATM and was not able to because of the negative checking account balance. The customer went into the branch for assistance and that is when the teller error was discovered. The branch reversed what they did and that brought the account into the positive. The branch manager apologized for the error, assured the customer that fees had been reversed and the customer leaves. Later that same week, the customer attempts to take money out from an ATM and again, there was no funds available. The customer goes into the branch again to see the branch manager. The branch manager advised the customer that this issue was his fault. It was the customer 's responsibility to monitor his account on line and that it was his own fault that the transfer was done backwards and that had he reviewed his account on line, this would never have occurred. Then the branch manager lectured the customer to the benefits of paying bills on line. The reason the customer was not able to withdraw funds the XXXX time was due to the branch reversing their error, but never actually doing the original transfer. Upon reconciling the checking account, the customer discovered the transfer had not taken place and the funds were moved at that point. It was also found that not all of the fees incurred were not reversed entirely, but only partially.
Consumer complaint received 2015-08-31
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: MORTGAGE FIRM, INC., THE (PA)

I was contacted about a request for a mortgage pre-qualification that I made via email on the website XXXX. I was replied to by a XXXX XXXX, who works at The Mortgage Firm in XXXX XXXX, FL. He sent a very disturbingly-worded email to me. I told him he was upsetting me and asked that he not send any further emails. He ignored this and proceeded to send me an email that listed the name " XXXX XXXX '' as the subject line. I had recently contacted a XXXX XXXX, as he is a broker from whom I requested information on a property for sale ... and XXXX XXXX should have had no knowledge of my correspondence with XXXX XXXX. In my mind, there is no possibility that XXXX XXXX ' name could have been mentioned as mere coincidence, as XXXX XXXX and I had never discussed brokers or specific properties in any capacity. This leads me to believe that XXXX XXXX somehow gained access to my email inbox - the only other explanation is that the XXXX men may know each other, and happened to discuss me prior to this second email being sent to me ( this is not professional behavior on their part, if so ). Following my receipt of this second email, I blocked XXXX XXXX from contacting me, but I am still shaken by his knowledge of my personal contacts, and by his disturbing first letter to me. I filed a complaint with the XXXX, but The Mortgage Firm failed to respond to my complaint - they are behaving as if I never filed a complaint at all. I wrote to The Mortgage Firm directly, and also received no response ... I then attempted to call, and they put me on hold in order to hang up on me the moment I gave my name. The attempt I made to call back after this happened was not answered.
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (FL)

To be clear, I am extremely grateful in the efforts of XXXX working to check the Clarity database and Providing the specifics that no consumer report or score exists for me. I am submitting this as a matter of record for me to request that the personal data I provided to Clarity, as requested to provide to me the " report ''. I am now requesting that the PII be purged from it's database. I say this because it is not a matter of if but when you are hacked.
Consumer complaint received 2024-01-19
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: Experian Information Solutions Inc. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2024-01-19
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. (NC)

The account with XXXX XXXX XXXX XXXXXXXX that starts with XXXX is not my item & should be removed from my credit report immediately. They have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-12-06
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Flagstar Bank, N.A. (RI)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-07-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Oklahoma Student Loan Authority (TN)

Oklahoma student loan authority has an account from the year of XXXX. On a private, non federal student loan. I co-signed for my husband. We filed bankruptcy in XXXX and it was also discharged on my husbands behalf from XXXX XXXX. But they keep hitting my credit saying I still owe. Theres a statute of limitations on this. 5 years in Oklahoma and 6 years where I reside. This should not be on my credit and I should not owe. Its past all those 3 reasons.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

I have recently initiated a dispute concerning certain entries on my XXXX, Experian, and XXXX credit report. The rationale behind contesting these adverse entries arises from their inaccurate portrayal and non-conformance with METRO2 compliance framework. The METRO2 Compliance mechanism, collaboratively established by XXXX, Experian, XXXX and XXXX, serves to ensure the precision of consumer credit reports. It has come to my attention that XXXX, Experian, XXXX 's adherence to these stipulations outlined in 15 U.S. Code 1681 ( b ) and 15 U.S. Code 1681 ( e ) ( b ) has not been fully observed. 

I have diligently attempted to rectify these inaccuracies with XXXX, Experian, and XXXX 's assistance. Regrettably, despite the evident misreporting of the accounts, XXXX, Experian, and XXXX has chosen not to elimnate the adverse entries from my credit report. For your convivence, I have appended evidence of my correspondence with XXXX, Experian, XXXX 's accompanied by substantiation underscoring the jurisdiction for the removal of the negative accounts. My formal request is that you meticulously review the provided documentation in order to facilitate the expungement of these unfavorable elements. Enclosed within are materials substantiating the grounds for the requested removal. I kindly solicit your through assessment of the furnished evidence with the objective of effecting the elimination of the identified negative items.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Consumer complaint received 2020-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (CA)

XX/XX/XXXX is not reporting my car loan through Ally financial. I have filed 4 disputes and each time they fix it the loan will reappear and then 30 days later it will fall off my credit history. The other credit reporting bureaus do not have this problem. I dont know what else I can do to help them to their job.
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX has ignored my request for validation. 

Please provide the following proof accordance with the Uniform Commercial Code : The Notice of Reinstatement letter with the return signature receipt that would have given me the ability to buy back the vehicle. This needed to be sent to me within 5 days the car was repossessed with the fees and late payment amount.

The Notice of Sale when you put the vehicle up for auction.

The Notice of Deficiency letter/ Post Sale Notice with fee details after 10 days of the vehicle sale date.

The original signed contact from the original creditor.

Effect of errors or omissions.

Under the laws of the State of Florida, Uniform Commercial Code Chapter 670 - 680 and State RISA and MVISA statutes a deficiency can not be claimed unless all the required notices were properly and timely given, and all the allowable redemption and cure time limits were adhered to.
Consumer complaint received 2024-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (NJ)

This complaint is due to my account being placed in default and charged {$10000.00} in interest due to delays and errors in processing my IDR application.

I filled out my application for IDR/SAVE on XX/XX/XXXX via the studentaid.gov website. Noticing my application wasn't processed after the XXXX  day processing time, I called MOHELA on XX/XX/XXXX and was told that I need to resubmit my income self-certification because it was never received ( even though it was uploaded on the studentaid.gov website.

MOHELA then placed me on administrative forbearance and continued to charge me thousands of dollars in interest and application was still not processed. The administrative forbearance ended on XX/XX/XXXX and I was charged a monthly payment of about {$3400.00} ( when my SAVE plan payment should've been {$300.00} ). My account therefore went into default. 

On XX/XX/XXXX, I called and spoke with XXXX who transferred me to the advanced team and I spoke with XXXX. XXXX was helpful but did not offer an explanation for why application has still not been processed. XXXX stated that if I pay {$5.00} immediately over the phone she can process the application. I promptly complied and paid the {$5.00}.

After some additional delays my account now shows that I am in the SAVE plan and that my first payment is due on XX/XX/XXXX. However I still have the following XXXX  problems that I contacted MOHELA regarding at least XXXX times both by phone and email. 

1 ) My account was charged {$10000.00} in interest that should '' ve never been charged had I been allowed to make my monthly payments. I would like to get this money refunded. The XXXX XXXX stated that people in my situation will not be charged interest until matter is resolved. But I can't get MOHELA to honor the directive. 

2 ) Due to the delays, my account is in default. I called regarding this on XXXXXX/XX/XXXX and was told that my account should've never been taken out of forbearance while waiting and that the finance department will be contacted to fix this and take my account out of default. This still has yet to happen and my account is past due for about {$3700.00}. I am concerned that the default will not allow my future payments to be accurately applied to my monthly payment and therefore I will miss out on the subsidies that the SAVE plan provides. 


Thanks for your help XXXX XXXX Account number : XXXX
Consumer complaint received 2021-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (TX)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The 3 Credit Bureaus are reporting inaccurate information on WELLS FARGO ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2020-07-07
Product: Student loan — Private student loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

on XX/XX/2020, i was attempting to find possible student loan refinancing with Citizens Bank. 
Initially, they required tax documents from the previous two years. It was not my understanding that I consented to a credit check at that time. I did not see a consent form attached to their lengthy paperwork. They performed a hard inquiry on my credit. I was alerted by XXXX XXXX of this action. I am very upset with this procedure. 
It has had negative effect on my credit score. I contacted them via email XXXX and requested they withdraw this hard inquiry, but they refused. I am no longer interested in their offer. 
Can you please help?
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

EXPERIAN is violating my consumer rights by not furnishing my consumer report in accordance with my written instructions. 

My rights under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) ( 2 ) supports my written instructions for EXPERIAN to remove any accounts from my report, at my demand, as a requirement by law, to fulfill their lawful obligation, as it pertains to furnishing my report in accordance with my written instructions. 

Ive requested several times that they promptly remove accounts from my consumer credit report and update my report to no longer show any history of these accounts. 

After numerous attempts ( several hours ) to let them know that they were in violation of my rights and not fulfilling their lawful obligations, employees one after another, including supervisors, told me they were not going to remove the accounts from my report and they would continue to furnish my report against my written instructions which is a direct violation of 15 U.S. Code 1681b, Permissible purposes of consumer reports- ( a ) ( 2 ) and proceeded to hang up on me. 

THIS IS NOT A DISPUTE. THESE ARE WRITTEN INSTRUCTIONS. 
They have only sent mere statements saying things about a dispute and other nonsense that has not resulted in the removal of the accounts per my written instructions, which does not constitute fulfillment of my written instructions, which under law they must oblige. 

I DEMAND that they remove the following accounts immediately from my report and fulfill their lawful obligations : Account # XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Debt Buyer Responsibility : Individual Date Opened : XX/XX/XXXX Status : Collection account. {$460.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$460.00} Balance Updated : XX/XX/XXXX Original Balance : {$460.00} Terms : 1 Months On Record Until : XX/XX/XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Credit card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Account charged off. {$620.00} written off. {$620.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$620.00} Balance Updated : XX/XX/XXXX Credit Limit : {$400.00} Highest Balance : {$620.00} On Record Until : XX/XX/XXXX