davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-21
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

My home equity loan with Bank of America went through bankruptcy. They are now raising my interest rate XXXX basis points. I called them about this and their only explanation is that it is a variable interest rate. The mortgage company can not raise my interest rate or change the terms of of loan because of bankruptcy protection.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally request the blocking and deletion of specific fraudulent accounts and inquiries from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and the accounts and inquiries listed below are the result of identity theft. 
The fraudulent accounts are as follows : XXXX. XXXX XXXX XXXX ( Account Number : XXXX ) Opened : XX/XX/XXXX Amount : {$6900.00} XXXX. XXXX XXXX ( Account Number : XXXX ) Opened : XX/XX/XXXX Amount : {$3300.00} XXXX. XXXX XXXX XXXX ( Account Number : XXXX ) Opened : XX/XX/XXXX Amount : {$1400.00} XXXX. XXXX XXXX XXXX ( Account Number : XXXX ) Opened : XX/XX/XXXX Amount : {$1400.00} XXXX. XXXX XXXX  ( Account Number : XXXX ) Opened : XX/XX/XXXX Amount : {$3300.00} The fraudulent inquiries are as follows : XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  XXXX Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.
Consumer complaint received 2015-07-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (TX)

I attended the XXXX XXXX of XXXX from XX/XX/XXXX to XX/XX/XXXX after I was fired from my job with XXXX telephone for being unable to work, although the accident happened on the job. I am XXXX but able to do some work if it is on a schedule I can handle. A lifelong interest in the arts caused me to think I could pick up enough solo projects that it would be worth my time to get a degree and knowledge to do so. My first year and a half went fine. They allowed the loans I needed to pay for school. As my condition worsened, my finances tightened more and the school demanded that I get a co-signer for the last quarter 's loan. My father agreed to sign that loan and that loan only. After school, I was unable to get and complete enough jobs to live and pay for the loans. My father paid back the one he helped with but he realized he had paid back far more than the amount he signed for. With some checking and the hateful people from XXXX XXXX, we were able to determine that his name had appeared as co-signer on all the loans, although neither he nor I had approved that. His credit is now ruined and he is barely surviving. Please tell me what I can do about this.
Consumer complaint received 2015-11-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

I had a checking account with Bank of America and one day I called in because I was having trouble getting access to my online account. I called in to customer service and they explained that my account had been closed and were n't able to tell me why but just that they had the right to close it at any time if they wanted to. Now this is showing up on my credit report as financial loss because they are putting it as a charge off. This makes no sense because at the time of closing my account, which I now see on the XXXX report I just received is due to " suspected fraud activity '', I had money in there. They ended up sending me a check in the mail about a week or two after the fact because I had a balance they owed me from direct deposit going in from my paycheck. I am extremely angry because I do n't know why they would even put suspected fraud activity when there is no reason to assume that. I had a bad history of overdraft but always resolved it and had a paycheck being direct deposited into the account every two weeks on the dot so there was no question that it would n't get paid. In addition, it should n't state that I was charged off because there was no negative balance at the time of the account closure, it was POSITIVE, hence them sending me the credit from the balance that was left in my account at the time. This is now hindering my credit and ability to open new accounts.
Consumer complaint received 2015-05-25
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (FL)

they have been calling me at least XXXX times a day. They were deliberately disguising their business name as " XXXX '', which is a wireless phone company, in order to try and dupe me into picking up. I only found out today cause I picked up thinking it was basic talk trying to sell me something, only to be told it was midland funding , LLC calling about my debt. This is extremely underhanded and I would like this company to know that if they keep calling me several times a day and continue to mask their name I will take them to court for harassment and underhanded tactics. thank you
Consumer complaint received 2015-12-11
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: ENCORE CAPITAL GROUP INC. (OH)

Midland Funding filed with attorneys XXXX XXXX XXXX XXXX XXXX for collection with court when already set up with Credit agency and was accepting $ 100 monthly paymentt from XXXX XXXX / 2015 from XXXX my acct XXXX .Payments made are in the amount {$100.00} on the XXXX of the month with no payments missed.
Consumer complaint received 2016-03-29
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XXXX/XXXX/XXXX my husband and I submitted a loan application to Bank of America for a car. I really did not expect to get the loan since we had a bankruptcy in XXXX, but I thought it worth a try since we have been customers with them for the last 34 years. On XXXX/XXXX/XXXX we received an email from them stating that our loan had been approved. I was ecstatic. I called BOA to find out what our next step was and was told I would receive and approval letter to take to the dealership, fill out the necessary paperwork and be on my way. We did this and spent the whole day at the dealership but left with a small car. How horrified I was to about 4-5 days later I received an email that said we were denied. How could this be! I contacted the dealership and they told us BOA would not approve the loan for the 4.79 % rate, and our paperwork had been lost, so we had to resign papers for the 6.0 % interest rate, which took our note up by a small amount. WE went in and resigned the papers and again left the dealership. But more than a week later we again began to get derogatory emails from BOA saying we were denied. We again spoke with the dealership and they told us again that they had been informed by BOA that our paperwork was again lost. So the dealership had to go through trying to find us another lender, but when someone checks your credit report it causes your score to drop, therefore, today with the dealership trying to find us another lender our credit score has taken XXXX-XXXX inquiries taking it even further down. I truly feel that BOA has done some unfair practices with this deal, and now we are again at square one with no solution in sight. As I stated before we have been with Bank of America 34 years, without any conflicts, except the bankruptcy, so I only did what I had been approved to do when we went to the dealership, and BOA Has been totally dishonest with us as well as the dealership. How can they lose information twice in a row. I am attaching with this complaint copies of most of the correspondence we received from BOA, they even went as far as asking us to send in documentation after the second application was filed only to turn around less than an hour later and send out more denial letters, which they always sent it twos.
Consumer complaint received 2015-05-26
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ONLINE Information Services, Inc. (NC)

This showed up on my credit reports. I have never heard of these people. I have no contact information, there web site does not give a mailing address. 
How can I get legal validation if there is no way to write them?
Consumer complaint received 2016-03-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

I was told my mortgage company participated in the deed in leui program with relocation assistance. I have been trying to get this since XX/XX/XXXX, SPS has been playing games making me get the same documents 12 times, reapply 3 times, then denied me outright. I am getting the run around for 4 months. I filed bankruptcy and can not afford to keep this home., I was told in XX/XX/XXXX it would take 45 days to get this help. In XX/XX/XXXX I started looking for a new place to live, SPS is still playing games. we are now out of our home, and broke. We are trying to do the right thing, we qualified for this relocation assistance and we are getting jerked and from what I am seeing online many people have gone through similar with SPS. I feel they are getting government funds for " pretending '' to participate in this program. PLease help us!!
Consumer complaint received 2015-05-26
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

I walked into the Citibank branch on XXXX XXXX XXXX in XXXX to update the security level of my card before traveling. I was told that my type of credit card does not qualify for extra security protection with a Microchip on my card, like all other banking institutions. so, the associate offered me an " upgraded option to my current credit card, which DOES have that security, along with mileage rewards etc. 
I agreed to have the new upgrade with the additional benefits. After almost an hour at the bank waiting, the application for a NEW card was processed, and I was given a denial of the credit application for a NEW credit card, which I never asked for, nor wanted. Now this report will have a negative impact on my credit report and score.
Consumer complaint received 2015-07-14
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: U.S. BANCORP (CA)

XXXX issues:1 : US bank told me that interest on my HELOC will be prime + XXXX. This was confirmed via email after the loan amount was changed. However, my HELOC ended up being prime + XXXX. When I contacted the bank, they told me it is because the amount of loan was changed. However, I have an email from them ( please see attachment ) stating that the interest rate will remain the same even though the amount was changed. US bank will not honor their own promise. 
2 : In the closing documents which I signed I was charged a lower amount for the notary than the actual amount. I had to ask for the final document and find out for myself that the amount was larger. They would not honor the document we both signed. I have the documentation if you need them.
Consumer complaint received 2016-01-22
Product: Other financial service — Check cashing
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CO)

I had a contractor who fraudulently endorsed a third party check with my mortgage company 's endorsement instead of sending it to my mortgage company the contractor deposited it into his checking account which was JP Chase Morgan. My mortgage company then filed the appropriate documents which were affidavit confirming that the endorsement on the check was not their endorsement. JP Chase states that they are willing to return the said funds but claim that they will only do this if my mortgage company send them documents of my mortgage history. My mortgage company advised me against such an agreement stating that the affidavits from them should be sufficient enough to have the said funds returned and that what JP Chase bank is attempting is illegal. It is my belief that JP Chase is aiding and abetting the crooked contractor who believes that the unauthorized work he completed on my home should be offset from his fraudulent activity. In fact JP Chase refuses to communicate to my mortgage company as to why they are requiring my mortgage history. I know that the crooked contractor threatened to file a lien on my property if he did n't get paid which he is allowed to do on his own accord, but it looks as though he has involved his bank JP Chase in his criminal activity. He is more than welcome to file a complaint with his attorney for the unauthorized and shoty work he has done to get this situation resolved. JP Chase Morgan Bank is attempting to extend the process by asking for my mortgage history which they were aware my mortgage company would not agree to therefore causing a stalemate situation. My mortgage company believes that once JP Chase Morgan is in reciept of my mortgage history they will release the check fund to their client.
Consumer complaint received 2016-01-21
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO. (MN)

XXXX Please take a look at this link above. I have been a customer of Chase for over 15 years and never had any issues with the company until now as well as never a late payment. They placed a 30 day late on my account ending in XXXX which I was not responsible for in this situation. I have never had a late payment on any revolving credit card account in my life at XXXX years old. How can Chase not recognize that I have been a great customer and that they made a mistake here. It seems from consumer affairs there is a real problem here. Please remove the 30 late and do something right with integrity.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : 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 XXXXXX/XX/year> The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Consumer complaint received 2016-01-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (OH)

Due to a family hardship, I am working with XXXX XXXX XXXX to eliminate my credit card and signature loan debit. XXXX of my creditors Springleaf Financial continues to call me at work and at home even after they have received the cease communication notice and I have also told them not to call me at work because I 'm not allow to have personal phone calls. At XXXX point the XXXX XXXX XXXX XXXX of Springleaf ( XXXX ) transferred out of my work voice mail and got my Manager to transfer the call to me.The message the XXXX XXXX XXXX XXXX XXXX left on XXXX/XXXX/16 on my cell and on XXXX/XXXX/16 on my work voice mail said that he turned down XXXX settlement offer and would not work with them. He wanted me to make XXXX payment or he was sending the account for wage garnishment.
Consumer complaint received 2016-01-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

I think it illegal for Select Portfolio Services to " claim / state '' ownership of a debt and report same about that debt while it is and has been in legal proceeding since 2010. The specific being a Quiet Title action taken against XXXX Bank Home Mortgage filed in XXXX XXXX by XXXX XXXX XXXX XXXX. of NY. ( See attached ) This action precludes any possible transfer of " debt '' or " claims of debt '' from XXXX Bank to SPS and thus, makes it impossible for SPS to have any say or standing in the matter. 

there is and has been a QUIET TITLE Action in court with XXXX in XXXX, NY XXXX XXXX XXXX XXXX since 2010 ( decision and Order Number XXXX by Judge XXXX XXXX XXXX ) So how can XXXX transfer something it does not legally own, furthermore, how can SPS claim to have rights? let alone publish such rights without legal standing? 

this is clearly criminal and potentially Identity theft XXXX
Consumer complaint received 2015-07-14
Product: Credit card — 
Issue: Other fee — 
Company: AMERICAN EXPRESS COMPANY (TX)

We retail and service outdoor power equipment. We sell XXXX XXXX from a company in XXXX, TX. ( XXXX XXXX XXXX ), XXXX XXXX XXXX, XXXX, TX XXXX, ph # XXXX. Since the fall of 2013 they have been surcharging us the fee the American Express card charges and calling it a convenience fee for purchasing merchandise from them. Specifically Redmax product shown clearly on the billing invoice. 
In Texas it is illegal to charge this and we have tried numerous times to ask them to stop doing this. They said they could charge and this and went a step further. We wanted to purchase this product from another distributor that does not charge this fee. They were threatened they would sue because of territory maps. We have contacted American Express and they are disputing this. Also spoke with the State Attorney of Texas consumer complaint division, and we were also told to file a complaint with your office.
Consumer complaint received 2024-09-02
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. (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2015-11-04
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (NJ)

DEBT WAS SOLD AND COLLECTION agency SETTLED DEBT AND NOW MACY 'S NOT REMOVING DEBT AND STATING THEY HAVE NO INTEREST IN ACCOUNT, BUT STILL NOT REMOVING AND OR NOT TALKING TO ME. DEBT ALSO WAS LIST AS IDENTITY THIEFT
Consumer complaint received 2024-09-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC (IN)

I have sent a debt validation request letter via certified mail with return receipt to Wakefield and Associates c/o Compliance Team Dept XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not receive any kind of response. I have the USPS return receipt. They have put a derogatory mark on my credit reports which remains even after disputing this debt. I am not getting any response at all.
Consumer complaint received 2024-09-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MS)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furhished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights
Consumer complaint received 2024-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MS)

I had my daughter, XXXX XXXX, pay for a floral arrangement from XXXX  XXXX XXXX to have sent to a funeral service. XXXX  XXXX XXXX could not fulfill my order and called to tell me they canceled the order and that because the payment was still pending that my money should be credited back to my account. The order was voided but still went through so I opened a dispute to Chime. Chime opened a dispute and I provided the information and a form from the merchant, XXXX  XXXX XXXX, that shows that the merchant voided my order and canceled the transaction. The merchant said that they dont have any funds from my order but Chime is saying that the merchant received the funds. The merchant even called Chime to tell them that they did not fulfill the transaction and Chime ultimately denied my dispute and refuses to return my {$150.00} to my account.