davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/17 a deposit in the amount of {$900.00} was made using my Mobil App. Right after I made the deposit I received an email from Capital One 360 letting me know that the Mobil deposit that I made was a fraudulent transaction and they will close my account. When I made the Mobil deposit my account had a negative balance of {$37.00}, the negative balance was cleared once the deposit was made, when I called the number displayed in the email they told me that once the amount cleared they have to wait until the check returns as a NFS and then they will proceed to close the account. I have called capital one almost every day to find a solution and answers to my questions, however every representative that I speak to tells me since this is a capital one 360 account their assistance is limited, they tells me that only a security department can assist me, but I ca n't speak directly with a representative I 'm transfer to a machine where I have to leave a voicemail with my information, which I do but I NEVER get a call back. When I ask fo the phone number so I can call directly the answer is that they can not provide me with their phone number.It has being three months and the funds still are in the account, the check has n't returned as NFS not only the funds are in the account but it is earning it 's monthly interest and on top of all my college funds were direct deposit in to the account and I ca n't have access to those funds either. I 'm very troubled with this situation, I 'm a student and a part time employee that trusted a financial institution to conduct my simple finances and without further explanation one day I 'm told that my account is restricted and I do n't have access to my funds.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It has been 101 days after my initial dispute submitted on XX/XX/year>, and the credit bureaus still haven't taken any action. I have a legal right to dispute inaccurate items on my credit report, and by law, the bureaus are required to comply and address these errors. Their inaction not only goes against the Fair Credit Reporting Act, but it also continues to negatively impact my financial well-being. I have repeatedly sent documentation, and yet Im seeing no compliance or correction on their part. This delay and disregard are unacceptable and a clear failure to fulfill their responsibilities. XXXX - XXXX - Unverified Account, incorrect high balance, incorrect last activity date. UPDATE TO NEVER LATE. XXXX - XXXX - Unverified Account, incorrect high balance, incorrect last reported date. UPDATE TO NEVER LATE. XXXX - XXXX - Unverified account, incorrect account type, incorrect high balance, incorrect account rating, incorrect limit, incorrect payment history. PLEASE DELETE. XXXX XXXX - XXXX - Unverified account, incorrect last activity date. PLEASE DELETE. XXXX XXXX - XXXX - Unverified account, incorrect high balance, incorrect last activity date, incorrect last reported date. PLEASE DELETE. XXXX - XXXX - Unverified account, incorrect high balance, incorrect account rating, incorrect payment history, incorrect date of last activity, incorrect last reported date, incorrect date of last payment. PLEASE DELETE. XXXX - XXXX - XXXX account, incorrect high balance, incorrect account rating, incorrect limit, incorrect date of last activity, incorrect payment history. PLEASE DELETE. I am attaching all the letters that have been sent to them, which included my identification each time. I am also uploading proof of my identity for the sake of this complaint.
Consumer complaint received 2024-10-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I lost my phone a purchase was made of {$2000.00} cents to the XXXX XXXX XXXX XXXX XXXX Ive talked to the cashier manager I dont have a bill there Ive never attended school there they will give provide refund if bank sends charge back Bank of America will not they keep denying my claim
Consumer complaint received 2017-10-03
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: Experian Information Solutions Inc. (AZ)

After numerous disputes between XXXX and XXXX of an alleged missed auto loan payments dating from XXXX with XXXX XXXX XXXX XXXX ( XXXX ), and recorded with XXXX, Experian, and XXXX ( CRA 's ), I sent a series of letters to XXXX from XXXX to XXXX demanding under 15 USC 1692e and FDCPA 807 ( 8 ) ( 9 ) ( 10 ) that it provide verifiable evidence bearing my signature that this auto loan missed payment record belonged to me. XXXX and the CRA 's continued to claim this record was " verified, '' and never provided me the proof of such verification as I required and supported under the FDCPA laws stated herein. Thus, I filed a small claims lawsuit against XXXX in XXXX to force it to delete the record from each credit bureau as well as pay me the maximum allowed under the laws of Arizona -- {$3500.00}. XXXX subsequently lost this case on XXXX/XXXX/XXXX due to insufficient evidence to support its case, and thus showed an inability to provide verifiable evidence to the court of this record. Final court documents stating the amount owed to me, the Plaintiff, and a legal request to delete the record were provided to the President 's Office for XXXX in XXXX, NC, its Credit Bureau Dispute Resolution Unit, as well as each CRA on XXXX/XXXX/XXXX. XXXX has subsequently deleted the record. However, XXXX and Experian have not. I received a response from the XXXX Credit Bureau Dispute Resolution Unit dated XXXX/XXXX/XXXX that stated, " The record was verified. '' Both XXXX and Experian claim the same statement in spite of receiving court documents requiring the record be deleted. XXXX has a legal court-ordered obligation to delete the record with each CRA as well as pay the lawsuit fines as ordered by the XXXX County Justice Court -- period!
Consumer complaint received 2017-04-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank  of America investigator n amed  XXXX   XXXX  has left me a voice message claiming she has replied to my complaints, also she admitted it to me on the phone, so,,,,,,,,,,, in fact she is now held liable in her private capacity unless she can produce a bond or liability insurance, The response that she claimed she mailed to me is attached in this complaint in the PDF, Bank  of America  and  XXXX   XXXX , are guilty of information breach, I never consented to BoA giving my information to their co-contractor criminal friends!!! they gave my information to   XXXX  , and are using   XXXX   for means of extortion , ill g et to that in my next complaint, but anyhow, BoA and  XXXX  are using fictitious names as shown in the PDF which is a SERIOUS CRIME!!! my name is  XXXX   XXXX , not  XXXX   XXXX , im not a vessel or some type of dead entity such as a bid bond, performance bond, or a securities exchange, or whatever else they do in secret,,,,,,, trading peoples names as bonds and getting paid from the united states treasury and so forth!!! these micreants!!!     NOTICE! The use of fictitious names or addresses ( ALL CAPITAL LETTERS  )  in a private individual 's name, or a ZIP CODE, against the individual 's wishes, is a crime under  Title 39 U.S.C. Section 3003, Title 18 U.S.C. 1302, 1341, 1342., and is punishable by up to 15 years imprisonment and {&gt;= $1,000,000} fine.
Consumer complaint received 2024-10-31
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: LEXISNEXIS (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a 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 2017-10-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

We had a first mortgage, second mortgage ( home equity loan ), and third mortgage ( home equity line of credit, {$10000.00} ) all with Bank of America on our home in XX/XX/XXXX. The bank foreclosed on the property in XX/XX/XXXX. As a result, the first and second mortgages were canceled. The second mortgage was completely forgiven in XX/XX/XXXX as part of the bank 's settlement with the Department of Justice. But the bank did n't do anything about the third mortgage. 

During the foreclosure process, the bank told us to keep paying the third mortgage until the process is completed. We have been making the monthly payments on-time every month in spite of the fact that the property has been foreclosed and subsequently sold by the bank. 

Now the bank tells us that our monthly payment amount will triple. We have tried to call the bank and show them that this loan was supposed to be included in the original foreclosure. They now tell us that the home equity loan department and mortgage department do n't use the same system, therefore the information about the foreclosure was n't shared between them at the appropriate time. 

We want this home equity line of credit to be included in the original foreclosure and to stop being charged.
Consumer complaint received 2017-10-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NV)

Hello : I had this 1st mortgage loan when I purchased my condo back in XX/XX/XXXX. XX/XX/XXXX.  When the economy collapse same our property value and we lost our jobs. We tried in the past to have a loan modification, principal reduction submitted documentation and never an answer with Chase. 
We were lucky to come back and continue with our lives even thought our condo was n't value at the price we paid for. 
Now after 12 years I had another unfortunate even and I 'm dealing with XXXX. I lost my job because I need medical treatments and appointments. I 'm take medication to battle this XXXX. My family has been a tremendous support for this. Since they are helping to continue paying mortgage, property taxes, HOA and other general living expenses. I applied for a mortgage modification back in XX/XX/XXXX. I was asked to provide a series of documentation and proof of paperwork, which I did. Now after 10 months in the process the modification still in progress. Chase had changed more than 10 times relationship managers, they are procrastinating with my file, they do n't provide customer service, they are um professionals, no courtesy no respect to a great customer for Chase. I had never been defaulted, never missed a payment and here I 'm requesting modification based on my hardship. I had been asked for same documentation all over again. Even though documentation was already provided. they are a joke. These employees are just not serious enough. I have been discriminated by their employees because I 'm XXXX and they think I do n't understand the law or the financial regulations and process. But I will say that I have been documentation every conversation, documentation and so on so I have an strong case to proof all the aggravation I had received from Chase. At this time I want you to enforce and try to assist on with this case. We want Chase and the loan modification  department to give their final answer on our loan modification. All documentation has been faxed to Chase from their branches and I have copies of dates and times that when documentations were provided. So I do n't want for them every month ask me for documentation that they already have on file just because they keep changing relationship managers. 
I 'm ready to go to the President of the United States, Congress and the press in regard to the discrimination and predatory lending that Chase has put me. 
Any help is greatly appreciate it. 
XXXX XXXX
Consumer complaint received 2017-10-03
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. (AL)

I have notified XXXX and Transunion that the XXXX XXXX account was open as a result of identity theft. I have provided them with a FTC report and this account is still showing on my credit file. Can you assist me in getting this matter resolved once and for all.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I would like to reinvestigate a XXXX XXXX XXXX account that is reporting incorrectly on my credit reports, I have tried in the past to resolve this matter with the institution but they will not report the account correctly, They are reporting a balance of {$10000.00} with a monthly payment of {$0.00}, it is also showing the account status as open when in fact its should be a closed account with a XXXX balance, account rating shows also as charged off/collection, if the account is charged off i would like to request a 1099c for this written off debt, this account has been causing me financial stress due to the constant incorrect reporting, please thoroughly investigate this with XXXX and request that they follow the laws, please remove from my credit reports as i have requested in the pass.
Consumer complaint received 2024-11-04
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (AL)

On XXXX XXXX 2017, XXXX XXXX XXXX withdrew funds out of my account without my permission. The account was set up for autopay, and my regular payments come out on the XXXX of every month. When I contacted XXXX XXXX XXXX around the XXXX of XXXX, they notified me that their is nothing they can do since the funds were taken out by a third party ( XXXX XXXX ). I asked XXXX XXXX XXXX what is the next course of action, and they told me that I would have to contact my bank and file a dispute. So I filed a dispute with my bank around the XXXX of XXXX as well. I currently bank with Regions Bank. Regions bank notified me that they will send me a form to sign and return to them. So a couple of days later, I went to the Regions branch and the bank representative printed out the paper and told me where to sign. I asked the bank representative was there anything else that I needed to do and she said no, all the information was completed. I decided to call the bank around the XXXX of XXXX and found out that the claim was denied. When I called the solutions team with Regions bank, they notified me that the claim was denied because some of the claim information ( that regions wrote on the form ) did n't get faxed correctly ( regions representative faxed by the way ), and that they are missing supporting documentation ( which the regions representative said was n't needed ). so now I am truly frustrated and had to go through the entire process again. So I resubmitted all the information with supporting documentation saying that the payment is n't suppose to be taken out until the XXXX. I waited 5 days and was told that the claim was still pending, but a decision should have been made since the solutions team only have 5 days. Then I called back after that and was informed by a male representative that the solutions team should of had a decision and that they are going to have to escalate it to management. So now I 'm assuming that they just do n't care about my business and that my claim is n't a priority. Then 2 days later after the male Regions representative submitted the information to the solutions management team, they denied the claim. After all of this and submitting my supporting documentation, I feel like Regions did not look out for my best interest and this issue created overdraft fees in my account which I had to pay.
Consumer complaint received 2017-10-03
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. (KS)

My family needed to move quickly due to a landlord having no rental license and black mold respitory illness set in as well as gasses coming in house from broke sewage line. I was denied a home everywhere! I find tons of Names, SSN 's, Addresses in states and city 's I 've never heard of, and 176 collection items total dropping my score over 200 pts. I 've sent XXXX, XXXX, Transunion all my Identity documents and more and stated federal FCRA about mixed files. Also TU has a company named XXXX who has a Ton of these medical, cell phone, collections. They deleted 7 but left 20 more in XXXX. I should n't have inquiries but do, never had XXXX. XXXX but collections show. My positive history accounts are almost none existent. I need help. This happens after XX/XX/XXXX because in XX/XX/XXXX my Credit was fine. Please help. We need a new car and even buy here pay here 's wo n't lend with a big down payment. They say I need proof of this. I 've shown the names and all that stuff they said it does n't prove ID theft. Never heard of file mixing they said. The amount of medical collections alone you would think I were terminally ill. I 'm very healthy and a XXXX at a XXXX  my wife works for XXXX and XXXX here in KS. And similar has happened as well. PLEASE HELP clear my reports. And make them remove all of it or please guide me into suit. God bless
Consumer complaint received 2017-10-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (FL)

TILA, FCPA, FDCPA and Privacy act VIOLATIONS This is an attempt to validate a debt, against ALLY On XX/XX/XXXX and on XX/XX/XXXX I made the total payment for the remaining auto balance. Even though, being aware that I never received a loan and the bank is committing fraud per GAAP and TILA. My wife called XXXX XXXX on XX/XX/XXXX in the morning to confirm payment was received. She was told by your representative that full payment was received and a remaining balance is do to you. We will return the balance to you and I will send an email for them to release the lien. The call was also recorded. LOAN PAID IN FULL! XXXX XXXX loan and lien has been fully paid and satisfy. I have all documents from Ally as proof ( Ally Congratulations with Contract stamped PAID IN FULL, title and lease release. I have NOT seen any evidence to support any allegations to the contrary, and I believe no such evidence exists. Payment confirmation copies attached from ALLY website, 4 pages. Also, attached copy of letter from Ally Congratulations, title and lease release. Furthermore, copies from the credit Bureaus showing Ally account paid and closed. ACCOUNT AUDIT was sent out certified mail to the Title CFO XXXX, XXXX XXXX and CEO XXXX XXXX. Also via Ally website on XX/XX/XXXX ( attached ). 

You can contact me at above address and email me at XXXX. 

Ally is refusing to close the account and is still requesting payments. Also Ally reinserted negative loan information on my credit as owe and late. Please close this account # XXXX and remove information from credit Bureaus. 

VIOLATIONS of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ) TILA and Privacy act. 


I am requesting your assistance in putting an end to this matter before filing a lawsuit.