davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-12
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America is always pushing new products to make money off people. The latest is that to get services one has had in the past ( IE -free safe deposit box ) one has to sign up for new products. In my case it was a be a premier customer which opens new ways for B of A to get money from you. 

I did ask about getting a pre-qualifying letter as I was going to make an offer on a house. I was called by a XXXX XXXX from BOA who is a Sr. Mortgage loan officer XXXX. I was very clear I only wanted a pre-qualifying letter and not apply for a loan. He summarily dismissed that and told me to meet him in person ( he was pushing about that ) and bring 2 years of tax returns along with other data which appeared that I was applying for a loan. 
I told him I was not applying for a loan only a prequal letter to which he said '' I am busy and I do n't know you '' I need this for a pre-qual letter. I know enough to know he is playing the oldest game in the book -- -- -- -the old bate and switch. He thought he would just be overbearing, aggressive, lie and get what he wants. What he needs is to be out of a job. 

it appears the bank are at it again, same XXXX that led to 2008 and no body to oversee them.
Consumer complaint received 2024-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Consumer complaint received 2016-06-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

Equifax continues to report obvious erroneous information on my credit report after XXXX investigations on the issue and one CFPB complaint.So XXXX account XXXX reported yesterday at conclusion of investigation # XXXX a dofd of XXXX and on the same item, report a 120 day late on XXXX in the account history.Also reported on this monthly bill is a last payment of XXXX which would correspond to a dofd of XXXX. 
Equifax has repeatedly reported obvious errors '' on the face of the record '' with regard to this creditor who " re-ages the account '' which denotes strict liability for this illegal practice according to FCRA FOR BOTH EQUIFAX AND THE CREDITOR.
Consumer complaint received 2024-10-14
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. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 
Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 
Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. 
They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please CORRECT the account, or inaccurate information, from my file immediately XXXX  XXXX XXXX
Consumer complaint received 2016-09-10
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (TX)

Dear Sirs, I became unemployed in 2012 and submitted a claim under a Credit Protector insurance for my Visa and XXXX credit cards issued by Citibank. They covered me under the MasterCard and made the minimum payments. However I was denied coverage under the Visa card. Both cards were covered under the same plan. The balance was much higher under the Visa card. Accordingly I fell into arrears and sought the assistance of a non profit credit consolidation agency. Soon after the CFPB announced the issues with Citibank, I reached out to your office and mentioned my situation. I mentioned that it would only be fair for Citibank to forgive the entire amount ( at the time, {$7500.00} approximately ). Your rep suggested that I should contact Citibank with my request and let your office know if I failed to obtain redress. I contacted Citibank by phone with my request and was denied any forgiveness as I had entered into an arrangement for repayment. 
Had I not entered into such an agreement then my credit would have suffered even more, and my prospects for employment would be close to XXXX. 
I am asking for the CFPB to intervene in this matter to help me get the original balance forgiven without prejudice. You see, I fell into arrears on other bills as I was forced to make minimum payments on the Visa card. My credit score is almost back to its original level, but it would be helpful if I could get rid of the burden of $ XXXX monthly payment to the credit consolidation agency so that I can purchase a home. 
I look forward to your response.
Consumer complaint received 2017-01-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I have disputed this several times and was never sent any validation for this account. This debt does not belong to me. I have requested documentation verifying that this debt belongs to me and I have not received it. I would appreciate this company provide the information that they used to verify me as the owner of this account or delete this negative account from all three credit bureaus as soon as possible. They have 5 different negative accounts on one Report and 3 different negative on the other report.
Consumer complaint received 2016-06-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: American Credit Bureau, Inc. (AL)

Followup to XXXX, XXXX XXXX XXXX, in which creditor never responded. Not only were there charges for procedures I never received on this bogus bill, patient and insurance plan combined had to pay over {$7000.00} to have corrected serious mistakes this dentist made and refused to correct : a XXXX job that lasted only several months in which he refused to repair and stated that " I 'm lucky it lasted this long because XXXX only lasts a year '' ( not true ) where another dentist had to correct for a total of {$1800.00} ; XXXX that caused XXXX where another dentist had to repair for a total cost of {$1100.00} ; and never XXXX that another dentist XXXX corrected for over {$4000.00}. Now, he has the nerve to try to collect additional monies of {$1300.00}.
Consumer complaint received 2016-09-11
Product: Credit card — 
Issue: Cash advance — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

On XXXX/XXXX/16 I went into Bank of America to get a loan of up to {$1000.00} however, BoA now only uses credit cards and no longer gives personal loans. Needing the money and thinking I would also be able to build my credit, I decided to go with the BoA Cash XXXX card and was told by the banker who was helping me that he will be putting a " rush '' on the card and will arrive on Monday, XXXX/XXXX/16 but may take as long as Friday XXXX/XXXX/16. After Wednesday XXXX/XXXX/16 passes I ask about my card and am told that if I need any credit card assistance to call the XXXX number for CC complaints, again all I am told is that is has been shipped out from Delaware on XXXX/XXXX/16 and should be arriving shortly. Quite annoyed at this point I call the banker who helped me again and tell him my CC has yet to arrive. My banker and I proceeded to the XXXX CC complaint on a 3-way conference call to which the woman on the line told us my address was not accepted and they returned the card to sender. The woman then tells me she can have it shipped to a XXXX Store for me to which i agreed to and that it will arrive on the XXXX of XXXX and to call the BoA CC complaint to get my tracking number from them. XXXX/XXXX/16 at XXXX I called XXXX XXXX Stores close to my location to see if my package arrived to which they told me no. Shortly after I proceeded to call the XXXX CC number again and explain to the woman all that happened and that I am to receive my card today XXXX/XXXX/16 but to my surprise she told me they never mailed it out through XXXX, have no tracking number, and also no notes of ever having a conversation about mailing through XXXX. It is now XXXX/XXXX/16 as I write this and still have yet to receive my card. This leaves me furious because I put in the last of my money ( {$99.00} ) thinking I could get help as well as build my credit however it is now 36 days later, I am out of {$99.00} and still have absolutely no idea where my credit card is and as it sounds, BoA does not know where my card is either.
Consumer complaint received 2016-09-10
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (NY)

I recieved a payment from a client through credit card company ( XXXX ) through XXXX, then went to bank to get money from my account and was told my account is on a hold. I went to my bank branch to ask the reason and they said they could n't verify the creditor and I should wait. I waited for a month and I realized my account has been frozen. I went back to my bank branch and they told me my account is under investigation by the fraud department. I asked again what was the reason and they said they have n't verified the creditor from thier back end. I have been waiting since then and I do n't know what to do.At the moment I 'm living off crumbs and loans from friends and family. Pls advise me on what next action to take.
Consumer complaint received 2017-01-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I 'm complaining against this company for many reasons : # 1 I can clearly see that there has been no investigation into any of the accounts that I disputed which is a violation of section 1681 - Congress states that once I notify the CRA 's that there are inaccuracies, they are required to investigate and provide results within 30 days. I continue to receive this same statement even though I clearly list my disputes and label what I is not accurate # 3 There are accounts that have had no updates since 2015 which clearly shows that there have been no investigations whatsoever # 4 I 've requested the documents that they are using to verify these accounts as allowed under section 609 - Consumer disclosures - all documents contained in my files - Congress states that the bureaus are required to have these documents prior to reporting the accounts to ascertain that this information is valid, accurate and complete which means that there should be NO problem sending this information to me. Congress also states that the only legal form of verification is firsthand knowledge - that means that they must either be the actual creditor themselves or have the physical documentation - I require this information immediately to pass on to my attorney
Consumer complaint received 2017-03-26
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (DE)

XXXX, CA XXXX XXXX XX/XX/2017 XXXX XXXX, Oh XXXX XX/XX/2017 I did not authorize these company that I listed above to run my credit on my credit report due to the law under section 604 of the FCRA they broke the law by sharing my information that i did n't authorize.
Consumer complaint received 2016-11-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lending Club Corp (CA)

Creditor participated in Unfair deceptive abusive acts or prices ( UDAAP ) by unlawfully charging me unusually high interests and fees when the account was open and after they closed the account. They violated FDCPA Laws. This inputted a high burden on me and caused me to incur high charges and fees which I did not incur. Also, this greatly affected my credit and I will like the violations committed by the creditor to be investigated.
Consumer complaint received 2016-07-09
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XXXX XXXX, 2016 Bank of America had a promotion filter on Snap Chat. It appeared to be a picture of a donkey that would face swap with the user and the donkey was holding a mobile phone with a Bank of America logo shown on it. My problem with the filter is that Bank of America did not disclose itself as an " Equal Housing Lender '' but notified a user that is was a member of the FDIC. Is Bank of America no longer an " Equal Housing Lender '' and discriminating? After seeing this I would probably not open an account there or apply for a refinance and I am currently in the market for a new Bank as I believe XXXX has significant UDAAP violations that are not being addressed through the complaint process. In addition, I am confused by the filter advertisement - is Bank of America announcing that it is filled with a bunch of Donkeys? A picture of the Snap Chat filter is attached to this complaint for reference purposes.
Consumer complaint received 2016-09-10
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TOYOTA MOTOR CREDIT CORPORATION (IL)

I co-sign w/ my husband for a car loan in toyota motor credit on XX/XX/XXXX. The car was sold to XXXX on XXXX XXXX, and account was closed and PAID as agreed. Toyota report my car loan INACCURATELY coz they put in status account included in Bankruptcy. This account is a Reaffirm debt that was PAID as agreed. I wrote Toyota a letter to request that they delete the inaccurate reporting but they responded they will continue to report it included in bankruptcy even it was PAID OFF.
Consumer complaint received 2017-01-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: GLENN ASSOCIATES MID-ATLANTIC, INC (MD)

XXXX XXXX from Glen and Associates calls our office 15-20 times a day, back to back. Belittling the receptionists and just being a bully.
Consumer complaint received 2017-03-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXX in XXXX Tennessee reported to Experian that I owe XXXX XXXX XXXX in XXXX. I obtained documentation from XXXX County Court proving that I paid in full the court ordered restitution in XXXX and sent it to Experian. Experian refuses to remove the outdated negative information from my credit profile that XXXX County Court waited six years to report, well beyond the statute of limitations for executing a civil judgment.
Consumer complaint received 2016-09-11
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (FL)

dear sir i did respond with a dispute-this is my XXXX complain on caliber home loan -- i did call to XXXX rep on this loan modification and geting deterrent answer-they asking me again and again to send them paper -- -please ask them to tell me in righting what they wont -- going to send them again-spoke on-XX/XX/2016 to id XXXX-on -XX/XX/2016 to id XXXX -- on XX/XX/2016 to id # XXXX also spoke to id # XXXX -- -also on this date spoke to manager XXXX id # XXXX they wont me to send again to them what i already send them -- -- -- -- -- also have a co helping me with all the paper theta they asking co name XXXX-debit management credit consulting i am sending back to them paper theta thy asking -also sent 2 email on the site caliber home loans -- -- on XX/XX/2016 i did send them all what they need, a-3 party send them all the wont to do a loan modification going to send them again -- can they be specific what they wont -please help-than you, please have them send in righting what they wont XXXX,
Consumer complaint received 2016-11-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

Dear XXXX Relations : The reason for me filing this complaint is due to Bank of America trying to foreclosure on my property after sending me a letter my loan is paid in full. Furthermore, the court filing is filed under Bank of America ; and not XXXX Mortgage. I am requesting your assistance in doing an investigation into this matter. 

Respectfully, XXXX
Consumer complaint received 2024-10-14
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: Experian Information Solutions Inc. (TX)

I've noticed that there is still an incorrect account listed as correct on my credit report. The information is erroneous, as demonstrated by the documentation I've already attached to this disagreement, but nothing has changed. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. Section 1681i, which requires a thorough inquiry and correction of disputed information, is violated by this persistent mistake. I ask that you look into this again right now and see to it that the false information is either fixed or taken off from my credit report.
Consumer complaint received 2016-11-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

After being neglected by my servicer SPS ( Select portfolio servicing Inc ) and lender ( XXXX ) for soo long, I recently got reviewed for a home retention /loan modification program. First of all, the loan modification underwriting review took longer than 45 days from the day SPS comfirmed receipt of a complete file. I kept wondering what was taking them so long. Prior to submitting my application, SPS 's XXXX reps assured me, that they have an Inhouse Proprietary Modification Program based on theloan amount I owed, which exceeds both the Hamp program {$720000.00} loan limits. My loan file went through a thorough underwriting review, from which I given a proposed modification program with explanations based on the input data analysed. Ridiculously to my suprise, SPS is unable to offer me the proposed modification, because, " XXXX has not given them the contractual authority to do so. '' My servicer has proved that, this is my Primary Residence which is 100 % underwater with an appraised value of {>= $XXXX}. My servicer also proved that I have a stable sufficient monthly income of approximately {$20000.00}. The point I 'm trying to make here is, all along my Servicer and Lender continue to cause me much more financial harm due to negligence in their loss mitigation proceedures. With all that said, On XX/XX/2016, SPS 's XXXX rep told that the only option I have for my home is deed inlieu. On the same day, SPS 's attorney ( XXXX ) removed the sale period HOLD and placed a foreclosure date of XX/XX/2016. There is n't any opportunity for me to appeal SPS 's assistance review decision. Neither the Servicer nor the Lender is following the legal guidelines in their loss mitigation/foreclosure review processes, to the extent that my title company has informed me that, there is n't an assignment recorded for either one of them. This is malpractice for both.
Consumer complaint received 2016-11-11
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/2016, I made a payment via IVR phone of {$110.00}. Today, I called CareCredit to see what my account summary/balance was and found out that my payment was not processed since the balance was even higher from last month. I spoke to customer service and they did not help me at all. They stated that my payment was reversed but I did not receive that money back. My bank statement says that they took out {$110.00} and I also called my bank to confirm and my bank stated that the payment was accepted. I also three-way my bank rep and CareCredit rep to speak and again the CareCredit representative was no help! I also called them again to figure out where the money went and the CareCredit rep did not have the answer. He told me to send my bank statement to their complaint dept and I asked him how long is the process of getting this resolve. Again, rep did not know the answer. Now, I do not know if I should pay my bill again. I received a late fee but would like to resolve this issue before I make another payment.