davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I recently applied for an auto loan through Bank of America, where I was approved and encouraged to open a checking account in connection with this loan. After agreeing to purchase a vehicle with financing in the amount I was approved for, and XXXX hours of attempting to speak with a loan officer, I was bluntly informed that my loan was now denied because I have a recent change of address. This change was known to the agent at the branch where I applied, and who ( along with the branch manager ) encouraged me to move my banking to Bank of America in conjunction with the loan, yet at no point was I told of this ( arguably discriminatory ) policy. I feel I was induced to open an account with what is clearly a disreputable bank under false and fraudulent pretenses, and while I can close the account, I would prefer they honor the terms of the agreement they entered into and extend me the loan I was approved for.
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX  XXXXBalance {$8.00} XXXX XXXXXXXXBalance {$0.00} XXXX XXXXXXXXBalance {$0.00} XXXXBalance {$2000.00} XXXXBalance {$3600.00} XXXXBalance {$2000.00} XXXXBalance {$3600.00} XXXXBalance {$4000.00} XXXXBalance {$6900.00} XXXX XXXXBalance {$480.00} XXXX XXXXXXXXBalance {$0.00}
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I sent letters to all three credit bureaus and asked them to send me written confirmation that they have complied with, my requests with these false inquiries on my credit reports. 15 u.s.c. 1681n I've givne them 30 days to respond and correct the inaccuarate information. but they failed to do so. 623 ( a ) ( 3 )
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent letters to all three credit bureaus and asked them to send me written confirmation that they have complied with, my requests with these false inquiries on my credit reports. 15 u.s.c. 1681n I've givne them 30 days to respond and correct the inaccuarate information. but they failed to do so. 623 ( a ) ( XXXX )
Consumer complaint received 2021-12-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

In XXXX I submitted paperwork to the Bank of America ( where my brother has several IRAs ) concerning my appointment to act as conservator for my brother- who is on the XXXX spectrum. Since that time I have received all of his statements and communications from the bank. 

As my brother turns XXXX this month I am attempting to initiate annual Required Minimum Distributions with Bank of America for these IRAs. My brother resides in a town that is 30 minutes drive from where I live and as I work a Monday thru Friday job with variable hours coordinating a visit with him to a branch office is difficult at best. 

On XX/XX/XXXX I visited one branch on my own to initiate the process and as was told that they could not access the conservatorship documents for my brother and that I would have to call a toll free number to facilitate setting up the Required Minimum Distribution. On XX/XX/XXXX I tried visiting another branch and was told the exact same story. 

Later on XX/XX/XXXX, I called the toll free phone number for Bank of America today and called my brother at his home to connect on the phone line to facilitate any issues that could arise - making this a three-party call. The representative asked my brother if he had a cell phone to receive a text which he does not. The representative then asked my brother three security questions ( derived from public information ) that he answered correctly and then abruptly said that she had no more security questions available she could ask and that as such could not verify his identity. According to bank policy, she could not ask any identifying information such as date of birth, Social Security number, etc. She left no recourse except to visit a branch with my brother. It is my belief that since my brother is XXXX and has such a simple life that publicly available information on his life is limited. The representative was able to locate the conservatorship document but told me that the seal was not visible to her. When the conservatorship document was originally provided at a bank branch in XXXX the seal was visible and had been approved. 

It is my belief that Bank of America has withheld reasonable access to a client 's account and funds and by limiting over-the-phone access to these accounts to someone with XXXX - based on Bank of America 's inability to derive security questions from publicly available information- is violating the Americans with Disabilities Act. 
Additionally, the two branches visited should have had access to the conservatorship documents ( which were provided in XXXX ) and by not being able to access these documents undermines and violates the legal authority of the conservatorship. I can only believe that this is a systemic issue with Bank of America. 

I believe that this conduct is egregious and that any penalty, fine or consequence for Bank of America within the scope and power of the Consumer Financial Protection Bureau should be utilized without prejudice.
Consumer complaint received 2022-02-14
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. (FL)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-10-18
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP (CA)

I have leased a XXXX XXXX XXXX in XX/XX/XXXX from XXXX XXXX XXXX XXXX ( the Dealership ), in XXXX, OH. At the time of signing the contract, the XXXX gave me a copy of the it without signatures, and with some white parts he would take care of filling out. In XX/XX/XXXX I have got in an accident, and trying to figure out what were my rights, I asked Honda Financial Services ( the Lessor ), which is the lessor used by the Dealership, a copy of the contract. With my surprise, they had a copy of the contract in which, other than my signatures ( which happened right after they gave me the copy at the time of getting the car ), the white parts were filled out with false data, and signed by the XXXX. In detail, the XXXX added a " verified '' comprehensive insurance coverage for the car from a XXXX policy from XXXX. It is interesting that either XXXX doesn't have a XXXX policy ( all XXXX 's XXXX are XXXX ) or I ever was insured with XXXX ( I did XXXX and still do - have XXXX for my car at the time of the lease ). I can clearly remember the XXXX at the XXXX never asked me for the policy number to add to the contract, and my policy number was not even close to the number they added to the contract. This is a clear violation of the contract, that prevented me to have my car fixed after the accident. It is important to notice that since then, I can not drive the car, but I am still paying for my lease every month. When I got in touch with the Lessor, they said it is Dealership 's responsibility. I then got in touch with the Dealership, they said they don't know how this could happen and they would investigate on that. But more than 6 months passed since then, and still waiting ( and paying for a car I ca n't drive ).
Consumer complaint received 2021-12-08
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. (OH)

Transunion is in violation pursuant to 15 U.S code 1692 E for false and misleading representation. They are also in violation pursuant to 15 U.s code 1681b of permissable purpose. Not only are the reporting information on my consumer report without my written concent they are also acting as if the bankruptcy court is the one reporting A bankruptcy on my consumer report. They also never responded to letter dated XX/XX/2021 Of me demanding them to remove the account refrence # XXXX. Transunion 's deceptive practices has caused me XXXX XXXX loss of opportunity and deep XXXX for there willful noncompliance and defaming my character I will attach the letter they never responded to dated XX/XX/2021 and the letter from the court house stating that they do not report any information to third party companies.
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One credit card balance resolved via litigation settlement. Final payment of settlement paid XX/XX/21. Multiple disputes submitted to no avail. Current payment status still shows as in collections instead of paid/settled, current account status still shows " derogatory '' instead of resolved/settled, amount past due still shows " {$1000.00} '' instead of XXXX and no payments credited for months XXXX - XXXX.
Consumer complaint received 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately!
Consumer complaint received 2021-12-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (MD)

My complaint is in reference to the way SunTrust Mortgage ( now Truist ) has handled my last three Escrow Analysis with no clarification on how they calculated them. The Escrow Analysis was not accurate and there is missing information of payments from my homeowners tax credit they received during the last two Levy years of XXXX and XXXX. Also, they do not give me access to my account on their website ; they locked my account. They have increased my monthly mortgage payment with a new Escrow Analysis that I have not accessed to and they still have not clarified the questions I made to them in my letter dated XX/XX/2021, about the previous escrow analysis of the levy year XXXX. I believe they have calculated a new payment in less than 10 days, and they are not clarifying the questions I made for the Escrow Analysis they made on XX/XX/2021. 
I called several times and talked to different agents and supervisors, but they did not give me any response, nor did they answer my questions about why they increased my monthly mortgage payment with no clarification of the previous Escrow Analysis of Levy year XXXX. They called me on XXXX about the letter I sent to them on XX/XX/XXXX, but I was very busy because of the XXXX holidays, and I requested them to call me on Monday, XX/XX/XXXX but they never called me. When I called them on XX/XX/XXXX, they said they do not need to talk to me and I had to wait 30 business days more after XX/XX/XXXX, the day they open the case. I called again to ask why they raised my monthly mortgage payment if they have not answered my letter of the error on the last Escrow Analysis of XXXX but they did not want to talk about it. 
For the Escrow Analysis of XXXX, I have not requested clarification yet because I just realized they did the same of what they are doing now with the Escrow Analysis of XXXX. I am taking this opportunity of my complaint to request clarification of the Escrow Analysis of XXXX. 
For the Levy Year of XXXX, they have received my Homeowners Tax Credit from XXXX XXXX a check in the amount of around {$3200.00}. For the Levy Year of XXXX, they have received almost the same Homeowner Tax Credit from XXXX XXXX another check in the amount of {$3200.00}. 
I am attaching a copy of my letter sent on XX/XX/2021. Also, problems were encountered on their website when I was trying to log in to the SunTrust website and how they locked my mortgage account for me to get the information I need to make this complaint. They knew I was placing a complaint because I told them I will do it.
Consumer complaint received 2021-12-09
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: EQUIFAX, INC. (OH)

This is XXXX XXXX who is submitting this CFPB complaint myself. I have been patiently waiting on Equifax 's response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : ( XXXX XXXX XXXX XXXX )
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Addresses : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX Employer : XXXX XXXX XXXX Date Updated : XX/XX/2018
Consumer complaint received 2021-12-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I Took a Loan Out From Ace Cash Express Roughly 2 Weeks Ago. I Get Paid Semi Monthly On The XXXX And The XXXX As It Clearly States On My Paystubs That Ace Cash Express Has In Their System. Ace Cash Express Decided My Payment Was Due 3 Days Before My Pay Date On The XXXX ( XX/XX/2021 ). I Received Messages About The Payment Being Due On The XXXX And Called In To Advise The Customer Service Reps Of My Date And That My Payment Shouldn't Be Due On The XXXX. They Told Me That I Had A 6 Day Grace Period And Should Be Good To Go And Never Once Mentioned Extra Interest Charges Or Late Fees. When I Went To Pay The Loan Off On The XXXX, I Was Charged An Extra {$200.00} To Pay Off The Loan. The Pay Off Amount Should've Been {$1600.00} And Instead It Was {$1800.00}. This Is Absolutely Ridiculous And I Should Not Be Charged Extra For Their Mistake
Consumer complaint received 2021-12-09
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. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXXDate of inquiry XX/XX/XXXX SXXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX
Consumer complaint received 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA XXXX and TransUnion are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; If XXXX and TransUnion feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If XXXX and TransUnion do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-12-09
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (PA)

Truist Bank has allowed criminals to open an account under my name in XXXX different instances. In the first instance the account ( XXXX ) will not be closed by them. Every month they send me a bill and late notice. The second account ( XXXX ) has been sent to their collections department. Although Truist acknowledges that fraud was committed they have done nothing to protect their victim. I have been fighting this since XXXX of XXXX  and we are now in XX/XX/2021. The collections letter states that I owe {$74.00} and they are willing to settle with me for {$55.00}. I've uploaded a copy of this letter for recording purposes.
Consumer complaint received 2021-12-09
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (NJ)

I leased a XXXX  in XXXX and on XX/XX/XXXX the car was involved in an accident which resulted in a total loss. My insurance company sent {$41000.00} to Kia  which shows in my payment history as received on XX/XX/XXXX but Kia has not applied the payment and continues to hold it in suspense. I have made numerous calls, probably ten or more trying to get them to apply the payment and they keep saying they need information from the insurance company, but the insurance company claims to have sent it on numerous occasions. I had also received a notice from Kia that I was no longer responsible for payments but their customer service software does not communicate with their total loss department software so I have been forced to continue to pay for a car which I do not have any more just to protect my credit. I have paid XXXX, XXXX and soon will be forced to pay XXXX. In addition, the insurance payment was an overpayment of more than {$7000.00} higher than the payoff and now with my continued payments Kia actually owes me over {$8000.00}. Every time a call I get a different person and a different story although today the agent admitted they were backed up 3-4 weeks. I could provide more detailed information if needed. Kia continues to act negligently, and they are unresponsive to fair requests.
Consumer complaint received 2021-12-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Experian Information Solutions Inc. (HI)

XXXX XXXX was created by stealing my information and personal checking account then thats how the XXXX  and XXXX XXXX  became a thing I couldn't do anything to stop it because the numbers for my bank were switched to and they didn't even compensate for any damages, I've been at this for three years and the bank hung up on me and gave me a fake name and XXXX only contacted me the moment I closed my account after three years, and now I end up finding my XXXX  account but the account number and names were changed and the only way to get to the bottom of this would be with my social. And now when I log into XXXX it shows people I've made transactions with but there's no transaction history to support it.ive also talked to XXXX support and I remember one person said they would log the conversation to prove my compliance but main thing is I would appreciate my reports going straight to Experian or any other agency of the three companies.thank you