davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-19
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Purchased some furniture from a furniture store. We bought a sofa and love seat, a bunk bed and a mattress. The sofa and love seat were suppose to have wooden legs and removable cushions. The legs were plastic and the cushions were sewn in. The bunk bed turned out to be XXXX different colors. The mattress had a manufactured on date the same as the date we purchased it. We tried to resolve this with the merchant but were unable to do so. Filed a dispute against the XXXX with Bank of America, the company whose credit card we used. We filed the dispute about XX/XX/XXXX. Soon after we were informed the dispute was denied because we did not submit necessary information. The person I talked to reviewed the file and saw that I had actually submitted the necessary information and they would resubmit it. Later we were informed that the pictures showing the problems with the products were not acceptable. I had to write out what the problem was. Pictures showing the problems were apparently not good. XX/XX/XXXX we received a letter dated on XX/XX/XXXX that the claim was denied. It stated that all available options were exercised and they were unable to obtain a credit from the merchant. And that they considered the claim resolved and wo n't respond to any further correspondence relating to this claim. We are not sure why they denied our dispute considering the documents we submitted to support it. And any attempts to find out have not be productive. Apparently they are not responding to any further correspondence relating to this matter. I have even attempted contact on XXXX and after doing what they say, do n't hear anything back. I can not give exact dates because when I attempt to access the information on their website it seems to have been removed. They wo n't answer my question on why that is either. On my account they have my address and phone number but tell me to send contact info. When I do they say they did n't receive it, even though they already have it. This has been going on for 4 months. All of the items we purchased had issues. Ca n't submit certain documents because I ca n't access them even though Bank of America says they will be accessible for 120 days. Bank of America has yet to answer why I ca n't access even though I have made numerous attempts to find out.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I appreciate you making the effort to update and repair some of the data on my creditreport, but there are still some items that need to be fixed. The 3 Credit Bureaus must verifythese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that thesedisputed items will be fixed as soon as possible 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 2024-08-29
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. (GA)

I was completely taken aback when I saw inaccurate accounts on my credit report this morning, and I can't figure out how they got there. I regularly check my credit report, but this time, discrepancies suddenly appeared out of nowhere. I tried refreshing my browser to see if it was just a glitch, but nothing changedthe incorrect accounts were still there. Because of this, Im asking that the documents Ive submitted be thoroughly examined so I can have peace of mind.
Consumer complaint received 2015-07-06
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I signed up for transunion and XXXX credit monitoring services. I disputed all negative items on my report and many were updated and removed. I also had bankruptcy from 2008 fall of my report during my membership. All of these positive changes in my credit file had me elated. However, my score on all my reports nevertheless decreased. In XXXX case over XXXX points. I am not sure if this is a marketing scheme to keep customer enrolled in membership programs to improve their scores. However, it seem quite suspicious that negative items can be removed from a report and a credit score can significantly drop. These agencies are up to something designed to sell their credit monitoring products and keep customer enrolled after purchase. 

thank youXXXX
Consumer complaint received 2024-08-29
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. (NV)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$27000.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$51000.00}
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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.

Account Name : XXXX CARD Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX 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 XXXX 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 2015-04-24
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (FL)

Student assistance corporation calls XXXX days a week XXXX or more tomes a day. I have asked them to stop calls and contact me thru mail, the advised they can call XXXX times day even if they talk to me in the morning they will call total of XXXX times a day.
Consumer complaint received 2016-02-23
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I APPLIED FOR A CREDIT LINE INCREASE WITH CAPITAL ONE. THE DENIAL REASON INDICATED " YOUR AVERAGE MONTHLY PAYMENT IS TOO LOW ''. I HAVE CONSISTENTLY PAID MY MONTHLY PAYMENT ON TIME AS WELL AS PAID MORE THAN THE REQUIRED MINIMUM PAYMENT UPON BILLING CYCLE. MY CREDIT CARD ACCOUNT IS INTEREST FREE, THUS THERE WAS NO INCLINATION TO RUSH TO PAY OFF ACCOUNT, ALTHOUGH I MADE MORE THAN THE REQUIRED MINIMUM AMOUNT DUE. THE PROBLEM SEEMS TO BE THAT I HAVE MADE SEVERAL SMALL INTERMITTENT PAYMENTS, WHICH ARE BEING TAKEN INTO CONSIDERATION. HENCE, THE " TOO LOW MONTHLY PAYMENT '' RATIONALE FOR DENIAL. THE SMALL PAYMENTS I MADE WERE NOT REQUIRED. THEY WERE SIMPLY DISCRETIONARY PAYMENTS WHICH I HAD NO IDEA WOULD POSE A NEGATIVE IMPACT UPON EVALUATION FOR A CREDIT LINE INCREASE. I HAVE PAID MORE THAN THE ACTUAL REQUIRED MINIMUM PAYMENT EVERY STATEMENT PERIOD. CAPITAL ONE HAS DEMONSTRATED UNFAIR CONSUMER PRACTICES BY CONSIDERING MY PAYMENTS WHICH ARE NOT REQUIRED OR RELEVANT TO MY ACTUAL REQUIRED BILLING STATEMENT. FURTHERMORE, THE SMALL PAYMENTS DO NOT INFLUENCE MY CREDIT REPORT IF THEY ARE NOT RELEVANT TO AN ACTUAL REQUIRED PAYMENT. THE DENIAL REASON IS NOT SUBSTANTIATED BY FACTS. A REVIEW OF MY ACCOUNT CLEARLY REFLECTS THAT I HAVE PAID MORE THAN THE MINIMUM PAYMENTHE UPON BILLING CYCLE. ANY OTHER PAYMENTS MADE ON ACCOUNT OUTSIDE OF BILLING CYCLE SHOULD NOT HAVE BEEN USED AS AS A BASIS FOR " LOW PAYMENT '' DENIAL REASONS. NOT TO MENTION, SMALLER PAYMENTS WERE DISCRETIONARY. I APPLIED FOR AN AUTOMATED CREDIT LINE INCREASE ON XXXX/XXXX/16 AND WAS APPROVED FOR {$750.00}, BUT I DECLINED OFFER AND DECIDED TO WAIT. I REQUESTED A CREDIT LIMIT INCREASE FOR THE SAME ACCOUNT ON XXXX/XXXX/16 AFTER CHANGING MY MIND FROM PREVIOUS XXXX/XXXX/16 REQUEST AND RECEIVED THE DENIAL REASON WHICH I AM DISPUTING. I WAS APPROVED UPON REVIEW OF THE SAME PAYMENT HISTORY FOR A CREDIT LIMIT INCREASE ON XXXX/XXXX/16, BUT DENIED ON XXXX/XXXX/16 UPON RESUBMISSION.
Consumer complaint received 2015-07-23
Product: Credit card — 
Issue: Balance transfer — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WY)

I conducted a balance transfer from a Capital One credit card to a XXXX Bank credit card. XXXX Bank transferred the full balance of {$600.00}, but Capital One only credited me with {$500.00}. XXXX Bank sent me an image of the check which is clearly in the amount of {$600.00}. The check was endorsed and deposited by Capital One on XXXX XXXX, 2015. Capital One continues withdraw my minimum payment, and refuses to fix the issue. I spoke to representative tonight ( XXXX XXXX, 2015 ) who stated that Capital One would begin a " Payment Investigation. '' He further explained that this would take XXXX business days, and then their " findings '' would be sent to me in the mail XXXX hours later. I could live with this, but then he stated that the disputed amount would appear within XXXX billings cycles ( i.e. XXXX days ). The representative refused to indicate how they would correct the issue of collecting XXXX months of payments after they deposited a check that paid off the entire balance. During a previous call I was told that the {$100.00} would be " applied to my account '' ( if I could provide proof that XXXX Bank paid them the amount I was claiming ). I tried several times to explain that the card was paid off and I did not understand how the {$100.00} being " applied to my account '' would resolve the issue. I did not receive anything remotely resembling a response, except that " this is Capital One 's policy. '' As I stated, I have an image of the check itself, as well as an image of the back of the check where Capital One has endorsed and deposited the Check. This is clearly consumer fraud as the check is clearly made out for {$600.00}. Unfortunately, the image quality of the duplicate is not the greatest, but there is no disputing the amount written on the check ( numerically and in expanded notation ). I refuse to continue to make payments on this account because it has been paid in full. There is no excuse for Capital One 's behavior in this matter, and I would like CFPB to provide some advocacy, and I wish to press any relevant legal charges against Capital One because this is clearly an intentional fraud, and this is further demonstrated by Capital One 's refusal to explain how they will refund payments made once their XXXX month process is completed.
Consumer complaint received 2024-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I am a victim of human trafficking of Debt bondage and would like for all listed inquiries to be BLOCKED AND DELETED FROM CHEX SYSTEMS XXXX Last XXXX of XXXX XXXX My Date of Birth XX/XX/XXXX My Name is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2016-02-19
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (IL)

Ditech has called everyday for four days ( Tuesday, XXXX XXXX, 2016 - XXXX XXXX, 2016 ). I advised each caller that I had already spoken to someone in previous days. Today, I got two calls within two minutes of each other ( XXXX and XXXX ). Based on previous experience with them - especially with the representative XXXX 's manager -, I believe Ditech is purposefully harassing me to to force me to make promises of payment that I am not certain I can keep at this time.
Consumer complaint received 2016-02-19
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: AES/PHEAA (CA)

I got a loan in XXXX from XXXX XXXX XXXX that was then sold ( assigned ) to National Collegiate Student Loan Trust XXXX. I was approved for a loan called an " XXXX XXXX XXXX XXXX XXXX ''. The amount of the loan was {$20000.00}. There was a loan origination fee of {$1800.00}. The Note Disclosure Statement lists the total finance charges at {$49000.00}, with payments totaling {$69000.00}. I have since paid back over {$10000.00} of this loan but due to financial hardship was unable to continue making payments in XXXX. I wanted to reach a reasonable payoff amount but debt collectors demanded amounts in the {$23000.00} range. I am now being sued for {$27000.00}. I have credit card debt, Federal student loans, and no income. I feel that my only course of action may be bankruptcy. Only after I was served with the lawsuit did I begin to conduct research and I discovered that according to the Internal Revenue Code I was not a qualified student at the time I was given the loan. A taxpayer is an eligible student if he is enrolled at least half-time at a XXXX XXXX institution and is seeking a degree, certificate, etc. IRS Code : 26 U.S.C. 221 ( d ) ( 3 ) ( referencing 26 U.S.C. _25A ( b ) ( 3 ) ( requiring the student fulfill the requirements of _484 ( a ) ( 1 ) of the Higher Education Act of 1965 ( 20 U.S.C. _1091 ( a ) ( 1 ) I was enrolled in classes at XXXX XXXX XXXX XXXX XXXX XXXX school. This is only part of a XXXX college district, and offers classes in things like woodworking and retirement planning and these classes do not carry college credit. I submitted proof of enrollment in this school when I applied for the loan, but this school was not a qualified school that met the criteria for an education loan. I was not enrolled in a program that would lead to a degree or certificate. When I submitted my documentation in XXXX, I was led to believe that the classes I was enrolled in were sufficient. My tuition costs were only a few hundred dollars. I believe this loan was given to me because the lender knew that I would have no recourse if I were to default, so the criteria ( qualifying school, qualified student ) were overlooked in order to get me into a more binding loan agreement. It was obviously in their favor to offer me this loan rather than a personal loan.
Consumer complaint received 2024-08-26
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)

This morning, I was shocked to discover inaccurate accounts on my credit report, and I have no idea why they appeared. I checked my report as I usually do, but this time there were discrepancies that completely caught me off guard. I tried refreshing my browser, thinking it might be a simple error, but the wrong accounts were still there. I'm asking for a thorough review of the documents I've sent so that I can stop worrying about this happening again.
Consumer complaint received 2016-03-23
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (WA)

We had a unit that sat vacant for 6 years without any action by the bank ( s ) except to pay all fees after foreclosure filed by HOA. It is all ok now but we were very frustrated for 6 years with no action!! It finally went to auction and was purchased for {$18000.00} with the bank still having interest. The new owner will work with the bank to take full ownership. It is currently rented. We have been complaining about the lack of attention by the bank ... went to OCWEN who will not respond ... tell you to write ... still do n't respond. Grrrr.
Consumer complaint received 2016-02-21
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CT)

In XXXX of last year, I switched from paying monthly to bi-weekly with XXXX extra payments to be paid each year. I was told by a Wells Fargo customer service representative on XXXX XXXX that the extra payment of {$970.00} I made in XXXX ( Please see attached copies of my bank statements ) would be applied directly to principal ; however, when I called in XXXX of last year to ask why the extra payment had not been applied, I was told that the first payment toward principal would not occur until XXXX and the second in XXXX. 

My questions are : Why was the extra payment I made in XXXX, which is clearly shown in the attached bank statement, not applied to the principal immediately? Especially since I was told that this is what was going to happen? In past experience, as this is not the first mortgage I have had, each time I made an extra payment toward principal, it was applied immediately and it also affected my long term payment plan. Moreover, what happens to the extra payment I paid in XXXX? How on earth can they get away with this?
Consumer complaint received 2024-11-12
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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$6200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$89000.00} INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2016-02-20
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has cutting edge XXXX XXXX XXXX on everything else ( e.g. ATM machines ), yet its in the stone age on allowing credit card users to autopay a credit card. 

Users must go to to XXXX in order to do so, and even then it would n't be accomplished for XXXX payment cycles for a new enrollee. 

They enrolled me over the phone, and they put me on minimum pay when I wanted the balance auto paid. 

As platinum member, I get refunded interest when I called later. Responsiveness is great, but the system seems designed to make it as hard as possible to auto-pay the full balance.
Consumer complaint received 2015-07-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Merchants and Medical Credit Corporation, Inc. (MI)

This bill was paid off. I contacted XXXX XXXX at that time since I was employed and had a low income status, such as currently and they erased the hospital debts 100 %. I also had the same with XXXX health systems. I make around only XXXX right now.
Consumer complaint received 2015-07-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo is refusing to respond to theft and remove a hold on accounts. {$100000.00} plus is missing from the account through wire transfers, forged checks, on-line bill pay, credit card and XXXX XXXX XXXX cashed at Wells Fargo XXXX location. Also, checks from Credit cards and other banks were cashed through Wells Fargo XXXX location.
Consumer complaint received 2016-02-19
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I was recently notified that Countrywide/Bank of America Home Loans ( Account # : XXXX ) is now incorrectly reporting on my credit reports that my former residents at : XXXX XXXX XXXX XXXX XXXX CO XXXX was a foreclosure. Which is untrue and I was assured that if I took the short sale offer the information on my credit reports would not be deemed a foreclosure! I have always been concerned about this program that essentially forced us out of our home because Countrywide/Bank of America Home Loans would not consider us for a Loan Modification!
Consumer complaint received 2015-09-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

We have been requesting a loan modification from Wells Fargo in reference to our consumer. He is XXXX year old man working as an attorney and need to find a solution for him to stay in there home. We have submitted all require documents to Wells Fargo.
Consumer complaint received 2015-07-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO. (PA)

This debt is on my credit report as my account but does not match any account numbers or date opened to my accounts. They are on my credit report as a negative item. I have asked for supporting information for the account and there is no information given. The collection company is rude and they demand payment when they call and I have disputed to the credit agencies numerous times to fix my credit and have got nowhere. this is affecting my credit.