davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (PA)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15

U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX # XXXX {$1000.00}, XXXX XXXX XXXX {$14000.00}. 

As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2016-04-09
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

* I have created a new login because I am trying to dispute response from Bank of America in case number XXXX. My phone calls were never returned from XXXX XXXX at XXXX extention XXXX. Was on vacation until XXXX/XXXX/XXXX then given another extension XXXX, I left message and never received a call back. No one is returning my calls. I have notified my lawyer also with the response on this dispute. Bank of America is claiming I am still liable for this debt even though the XXXX reads " Total debt is discharged with an Indentifiable Code : XXXX " which means the debt has been canceled. I have filed that XXXX with my XXXX IRS filing and paid back taxes on that debt already. I need to know specifically what documentation they need to fix this matter. I also want this dispute forwarded to a manager/supervisor along with direct phone number and fax number to call back and get a live person and not a voice mail. My lawyer has a copy of everything I have forwarded to you and I should be hearing back from my lawyer the next few days also. My credit reports are now back showing " delinquency ". I have filed and paid taxes on this " discharged debt ''. This account once again should be closed, a charge off canceled debt with {$0.00} balance.
Consumer complaint received 2016-06-24
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: ACS Education Services (CO)

I do n't even know where to start ... 
When I filled my IBR last year, I was n't making much money so they said I did n't owe them a payment. I still sent {$25.00} a month, but everytime I did, I was assessed a {$26.00} late fee, even though, again, I did n't owe a payment. Now, after my IBR was reassessed for this year, they want me to pay {$370.00} per month. While I understand that I make more money now, I do not have even close to that amount left out of my income to pay every month. I was in a XXXX in XXXX, and so I had to get a new car. My payment is higher, my insurance increased by {$70.00} a month. I also pay over {$100.00} a month in medical bills. And I am a single Mom, trying to make it. My rent alone is {$1000.00} a month. Also my son is a XXXX year old boy eating me out of house and home, my grocery bill is about {$500.00} and my boyfriend is hard times, living with me more than half a month, which increases my food bill as well. To make things worse, someone reported that my loans are in default. ACS said they did n't report it as such. I called the US Department of education and they said that I am in fact listed as in default, even though they could n't understand why, as I had only missed 2 months payments. Nobody will take responsibility for reporting them as defaulted, and no one will fix it. And although I have been paying ACS {$25.00} a month, they continue to report my payment as late. All of this has greatly affected my credit, which is why my car payment is so high now. Please help me. I want to pay back the money I borrowed, but they keep assessing fees and more fees, and then more fees for having to charge me for the other fees. I am drowning in a debt that started out as {$25000.00}. I do n't know what to do.
Consumer complaint received 2016-04-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

There are XXXX problems on my credit report with Experian 1 - There is an account listed which is not mine Creditor : XXXX 2 - The total for " Revolving Credit Limit '' includes limits for accounts which are closed I had mailed a dispute form to them in XX/XX/XXXX but have received no response.
Consumer complaint received 2016-04-09
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I wrote to you XX/XX/XXXX. I am getting very vague responses from bank of america. But as I continue to do research, I found lots of fraud items and asking BoA to verify items but not getting what I need. XXXX did the investigation from them. They just keep giving me the same stuff over and over. The Mortgage Note and Allonge Note are robo signed and BoA did not receive any right, title or interest in my Accomodation Mortgage lien as the parties assigning the Accomodations lien failed to preserve a proper chain of title. This is treble damages.
Consumer complaint received 2016-04-10
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America is issuing inaccurate statements. I have XXXX balance transfers, XXXX with a promo short-term zero interest rate ( after the. Under the Interest Charge Calculations section of my statement, under " balance subject to interest rate '' it shows a zero balance for each of the balance transfers. This is not correct. I have several thousand dollars subject to that special zero-percent interest rate. While the special promo rate happens to be XXXX at the moment, this will change when the promo time period is over. 

Every other credit card company I have ever had a balance transfer with shows the actual balance in this section of the statement, even when the rate is zero. Right now I have no idea of much of my actual balance is currently subject to this promo rate. When I called Bank of America about the issue, I spoke to supervisor who said they used to show the correct balance amount there, but it was changed last year, she did n't know why, they had had a lot of complaints, but while they knew they were providing inaccurate information to the consumer, they were not going to change it and will continue to provide inaccurate information. She said that If I wanted to know my balance for each balance transaction each month, I would just have to call each month since they would not provide the statement regarding my correct balance on my statements. 
This is completely ridiculous and counter to the information they are supposed to provide me so that I can make good financial decisions. As I said, every other credit card company provides this information correctly on their statements, and by their own admission, BofA used to provide this information correctly. 

I 've attached a sample of my BofA statement and my statement from XXXX bank. As you can see, the BofA statement gives me incorrect information in that it is stating that I have a XXXX balance subject to the promo interest rate. this is completely incorrect. The XXXX statement presents the exact same situation correctly.
Consumer complaint received 2016-08-12
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

This debt was originally from Capital One credit card. I disputed charges with them on multiple occasions and my issues went unresolved. The debt was disputed with the credit bureaus. Removed and then on XXXX/XXXX/16 the debt was added back to my credit report but through XXXX XXXX. XXXX has now illegally re-aged the debt to appear current even though the debt is old and from capital one charges, that they still have yet to resolve. In addition, capital one did not provide any information that the debt was being sold and/ or any update to the investigation regarding charges before putting on my account.
Consumer complaint received 2016-04-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (VA)

I held a mortgage on my house which was transferred to XXXX XXXX XXXX. For various reasons, I was no longer able to maintain the house, and moved into an apartment. The mortgage was subsequently sold to Seterus for collection. The house was foreclosed, but various issues with previous mortgage companies not clearing the title when I refinanced, the foreclosure auction could not take place. This happened in about XXXX 2014. The title issues have long since been resolved, and no further date has been set for foreclosure auction. I have contacted Seterus numerous times, with no resolution. I finally told them I wanted to turn the property back over to them. I was told I should hear something 'in about 2 weeks '. This was at least 2 months ago. Meanwhile, the house has been vacant for over 2 years, and is deteriorating. I have had XXXX different people contact me about buying through a short sale. The first one was not able to reach an agreement on a price. The second one is also likely to not go through. Meanwhile, I can not get any cooperation from Seterus on returning the property to them. Every call I have made to them, ends up going nowhere. I need help in getting rid of my property ... It seems very unreasonable that all this should have gone on for almost 2 years. Any help you can give would be greatly appreciated ... .. 
My scanner is not working, so I am unable to attach the foreclosure notice dated XXXX/XXXX/2014, with date of auction scheduled for XXXX/XXXX/2014.
Consumer complaint received 2016-10-20
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CITIZENS FINANCIAL GROUP, INC. (SC)

I had a car loan with Citizen Bank the issue started when i got behind on my payments from starting a new job. Well they repo it and i was told that i had 21 days to get the vehicle back if i catch up all the payments. Well they gave me the wrong location first where the vehicle were located so i find out by myself that it was located in XXXX. So i waited to receive a letter or call to what i needed to do. So i shows up at the repo place to find out that my vehicle was already moved with some of my stuff left in it. ( which some stuff is still missing ) They informed me not the Bank that the vehicle was already gone. The bank at first did not know the truck was sold until i told them. So then after i call the bank back and they finally told me it was gone. The repo people let me know the name and number to call for the auction. So i called the auction and with in the 21 days the bank said i had to retain the vehicle was not true the vehicle was already sold before the 21 days and my issue was i received no call or letter with no information on how much it was sold or what afterwards that i have to take care of. As my friend told me he said watch when you pay that money they be done sold your truck and you be lost for your money and the truck. And just as he said i were glad i did not pay it because the truck was already sold. I contacted the auction people as i were told by the bank that they would have to give me that information and the lady listen to my story and told me i might need to follow through on this issue with someone professional.
Consumer complaint received 2016-11-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Trans Union had a computer breach in their system that violated the rights of their consumers under section FCRA 611 5 ( b ). I have been gravely affected and my credit score is suffering as a results. The computer glitch that caused all of the inquiries on my credit report to be deleted and my credit score increased. The very next week all of the inquiries were re-inserted to my credit report without prior written authorization and are in direct violation of section 611 of the fair credit reporting act. I have spoken with a rep at Trans Union who acknowledged that the security breach happened but they refuse to fix the error on my credit report. I am requesting that the following reinserted inquires be removed immediately : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX CAP XXXX Inquiry XX/XX/XXXX XXXX CARD Inquiry XX/XX/XXXX
Consumer complaint received 2016-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have previously submitted a certified letter which was sent on XXXX XXXX XXXX and signed and received on XXXX XXXX XXXX I also sent a certified letter on XXXX XXXX XXXX requesting that a dispute be initiated for a XXXX XXXX Bank XXXX XXXX account which is reporting inaccurate information on my Credit Report. After the dispute process XXXX XXXX Bank XXXX XXXX account was verified and still displays information which is inaccurate. 
The following is a list of inaccurate, incomplete information still contained in XXXX XXXX Bank XXXX XXXX. 
1. The account was opened on XXXX/XXXX/XXXX however the account displays no payment history in XXXX, XXXX and XXXX.
Consumer complaint received 2016-11-22
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: SYNCHRONY FINANCIAL (MI)

In XXXX, my JCPenney Credit card was stolen or lost. I attempted to report this. I continued to receive bills for the full amount. I was willing to pay the portion I was responsible for, but not the amount charged after my card turned up missing. 

After several attempts to resolve the issue with no resolution, I stopped making payments on the account. 

In XXXX, I started receiving harassing phone calls regarding this debt. I explained the situation and told the company I am contesting the amount of the debt. I would pay the amount I owed, but not the amount charged after the card was stolen or lost. 
The company ( XXXX XXXX ) continued to harass me throughout XXXX. I sent a letter contesting the amount owed. 
They continued to harass me by attempting to call using at least a dozen different numbers. I eventually ignored the calls and refused to to speak with them because they refused to acknowledge my contested amount due. 

Now, in XXXX ( XXXX XXXX ), I received a letter from MY XXXX XXXX XXXX SON 'S bank stating that HIS funds were put on hold. My son has a XXXX. He is XXXX. He does not XXXX. However, he did manage to graduate high school in XXXX of XXXX. There had been only one deposit in this account, his graduation gift money. 
I am ONLY on his account for information purposes since it 's XXXX ( in person or on the phone ) with people he does not know, and since he does not XXXX, I am ONLY supposed to be on this account to speak on his behalf when he is unable. 

I called the debt company this morning asking how we can resolve this issue and they were very rude and condescending. I was told that they would NOT take the hold off of my son 's account. I am in the process of providing proof that the deposit in his account is 100 % his money, none of it being mine. They still could n't guarantee that they would remove the hold or even " take '' all his money from the account. 

I then offered to send them the amount of the hold : {$590.00} ( even though this is a little more than what MY original charges were ) just to have them leave my son 's account alone. Again, they refused to remove the hold and will " take '' HIS money. 

I have two other bank accounts in MY name alone, and yet they go after my XXXX son 's account to remove ALL his money. This is simply not fair. I tried to resolve this with the company and they would not offer me any tangible solution for this issue. 
I 've done my research on this company and I found they have a pretty bad reputation as to their means of " attempting to collect a debt ''. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX XXXX
Consumer complaint received 2016-07-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

[ Case number : XXXX ], [ Case number : XXXX ] I am still receiving notices in wrong name this one with an extended alert for 7 years. I did not ask for that, I also received it on a post card vs in a letter which is unusual for a credit report co.
Consumer complaint received 2016-05-20
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I paid {$5.00} [ XXXX card ] to " unfreeze '' my account with T-U using the T-U-issued PIN. I then went into T-U website via XXXX for my FREE annual report. T-U FRAUDULENTLY refused to permit me to get this by FALSELY asserting that I had " already '' received my FREE rerport. Unfreezing a file and getting a copy of that file is NOT the same thing. This is a pattern intentioinally SCHEMED by T-U. I demand my FREE report accessible on-line ASAP.
Consumer complaint received 2016-06-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (LA)

I, XXXX XXXX XXXX, am currently in Chapter XXXX ( Case # XXXX ) and filing a complaint against Ocwen for Loan # XXXX. I am in the process of a Short Sale with Ocwen on my family 's home for over 50 years, then my property for 15 of those 50 years. I am simply asking my relationship Manager to suspend or postpone my Foreclosure Sale for a 30 to 60 day period allowing my Short Sale to come to fruition and from that Short Sale, I would not receive anything but moving expenses which I am OK with. This would complete my Short Sale and give me moving expenses in Lieu of becoming Homeless from the XXXX/XXXX/2016 Foreclosure Sale. My relationship Manager XXXX XXXX would simply inform XXXX XXXX, Ocwen 's foreclosure Attorney to remove XXXX XXXX XXXX from the XXXX/XXXX/2016 Foreclosure 's Sale.
Consumer complaint received 2016-04-09
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: Blackhawk Network Holdings Inc. (CA)

I purchased a ReloadIt pack and loaded {$240.00} on it to put on my prepaid debit card. After loading the pack it was said that I had to open a safe on Reloadit.com and add the card that I want to load in the safe. After adding the card and the reload pack to the safe, I attempted numerous times to load my card to get a message that says card is being verified. On the pack it says instant load. I called Reloadit and the representative says it takes 4hrs and its a federal government regulation. I asked for where it says that and she said in the terms and condition, when asked what part she hanged up the phone on me. I called again and was told its in the arbitrtation agreement and it is a federal law for the wait. But again it says instant reload.
Consumer complaint received 2016-04-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

Navient changed my loan terms without informing me or obtaining my conset. I was on a 10 year repayment plan with auto debit, and they converted it to a 30 year plan paying only interest. When I called they were not helpful, and did not clarify why this was done. I am not sure if this is going to be corrected as they told me it will take a couple of weeks and I will need to follow up closely on this.
Consumer complaint received 2016-04-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alliance One, Inc. (NJ)

AllianceOne Receivables Inc mailed a letter ( without a date or letterhead ) claiming that I owed over {$1800.00} in XXXX tolls from 2009. The company then added almost {$9000.00} to their company 's collection fees on to the bill. 
The letter sent had no official letter head or representative name or ID #. There were also several account numbers handwritten in a blue pin on the paperwork. That debt has been paid and settled. 

Outside of the debt not being mine, it is outside of the Statute of limitations for XXXX & XXXX ( 6 years ).