davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-26
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I recently noticed on my Bank of America credit card statement that interest was charged that was different from that which had been advertised, and the APR was shown incorrectly. 

I had responded to a balance transfer offer that specified an interest rate of " XXXX plus 0 % Promotional Rate for the life of your balance transfer ''. 

The most recent statement shows that Promotional Rate, with Promotional Rate End Date as " No End Date '', but lists Balance Subject to Interest Rate as " {$0.00} ''. Instead, there is another line for Fees showing a " XXXX Interest Charge ''. 

Bank of America regularly sends " Notice of Change In Terms '' to me. One of them stated : " If the total of the Periodic Rate Finance Charges for all balance categories is less than {$1.00}, then a minimum Finance Charge of {$1.00} will be assessed on the account in lieu of any Periodic Rate Finance Charge ''. 

Thus this fee is described as a finance or interest charge and should be included in the calculation of APR to be disclosed on the statement ; such a higher APR is not in accord with the advertised promotion. 

Another " Notice of Change In Terms '' stated that " ... the amended agreement ... will apply to the total outstanding balance, including the balance existing before the amendment became effective ''. It is not clear that such an amendment can modify a specific advertised promotion with an advertised ending date, as that would constitute deliberate false advertising. 

Please look into this.
Consumer complaint received 2022-02-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On or about XX/XX/2021 Transunion was mailed a letter Notice of Dispute ; Demand for Validation and Proof of Claim. Stating Under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Transunion is required by federal law to verify - through the PHYSICAL verification of the original signed consumer contract. Transunion sent consumer a letter XX/XX/2021 requesting that the reporting company XXXX XXXX  and XXXX XXXX verify the accuracy of the information being disputed. XXXX XXXX requests and demands from XXXX XXXX & XXXX SERVICES verifiable proof of the " original instrument of indebtedness '' which is an original contract signed with wet ink between XXXX XXXX and XXXX XXXX XXXX XXXX also demands XXXX XXXX  & XXXX XXXX  to produce the account and general ledger statement showing the FULL ACCOUNTING of the alleged debt obligation XXXX XXXX & XXXX XXXX is attempting to collect ; signed and sworn by the person responsible with fiduciary duty to maintain these records associated with the account and having first hand- knowledge as to their accuracy and authenticity, and able to testify under oath to that effect. Demanding the original instrument of indebtedness for visual inspection of XXXX XXXX original wet ink signature on the promissory note " application '' ( not a photo copy ). XXXX XXXX demands that XXXX XXXX & XXXX XXXX  provide a statement admitting whether they are the holder in due course or whether XXXX XXXX  is the servicer. This is not an attempt to not pay or avoid payment, but a conditional acceptance upon proof of claim. XXXX XXXX would like to settle the matter upon conditions previously stated within this statement. TRANSUNION provided a response letter XX/XX/2021 stating " WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED. '' In accordance with FCRA 611 ( a ) ( 7 ) This is NOT a request for a reinvestigation of the previous dispute. This is a request for a Method of Verification where the following items should be provided to ensure the validity and accuracy of the account ( s ) with XXXX XXXX & XXXX XXXX. Provide any and all documentation used to VERIFY account ( s ). On XX/XX/2021 XXXX XXXX & XXXX XXXX sent a letter stating that they had completed the investigation and the items were not deleted, as requested. To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), XXXX XXXX & XXXX XXXX is required to forward all of the relevant information XXXX XXXX provided in this CONDITIONAL ACCEPTANCE. 

Please provide consumer with all of the information TRANSUNION used for their investigation, as required by FCRA 611 ( a ) ( 7 ). 

Please reply within 15 days or delete the items, as originally requested.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Since XX/XX/2021 I have been trying to update the incorrect information that is reporting on my credit report. I have sent in my drivers license and proof of address which is attached to this. I receive no answer, nothing ever has been corrected. They only tell me its been verified, how can incorrect information be verified? Please look at the information I've sent as proof and delete all my information.
Consumer complaint received 2016-05-20
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: CASHCALL, INC. (WA)

I 've applied a payday loan many years ago through the internet and paid off since. Then a call came in last year about this, at first the scare tactics worked, I 've paid over {$2000.00} before my bank called me about someone was trying to get money out of my account from overseas, this is when I knew it was a SCAM and changed my cell phone and bank account number. I 'd then consulted a lawyer who told me to stop paying and if it 's a legit debt collector, they would have something in writing of the debt and to check my credit report. I have not received anything in the mail from this company or was it on my credit report. 

Then 2 to 3 weeks ago I 've been receiving robotic calls again from XXXX at home and work stating that I need to call back XXXX with claim # XXXX. I 've called an attorney today and they told me the claim # provided from XXXX, there is no such claim or case number against me. I have been reading posts on this number and all the post states it 's a SCAM and suggests that I report this number to CFPB and the attorney suggest that I call the attorney general 's office and file a complaint, so this is what I am doing. I 've blocked the number from my home but they find other ways to call.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

TheFair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681et seq, isU.S. Federal Governmentlegislation enacted to promote the accuracy, fairness, andprivacyofconsumer informationcontained in the files ofconsumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in theircredit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, includingconsumer creditinformation. [ 1 ] Together with theFair Debt Collection Practices Act ( FDCPA ), the FCRA forms the foundation of consumer rights law in the United States. 

All three credit Bureau are not reporting credit file correctly I have challenged and disputed information and they fail to correct anything on my credit Bureau 1. XXXX 2. XXXX 3. Experian All three credit Bureaus refuse to obey by federal law they are in direct violation of federal law, statue of limitations they refuse obey by the fair credit act it's a federal law.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

TheFair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681et seq, isU.S. Federal Governmentlegislation enacted to promote the accuracy, fairness, andprivacyofconsumer informationcontained in the files ofconsumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in theircredit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, includingconsumer creditinformation. [ 1 ] Together with theFair Debt Collection Practices Act ( FDCPA ), the FCRA forms the foundation of consumer rights law in the United States. 

All three credit Bureau are not reporting credit file correctly I have challenged and disputed information and they fail to correct anything on my credit Bureau 1. XXXX 2. Transunion 3. XXXX All three credit Bureaus refuse to obey by federal law they are in direct violation of federal law, statue of limitations they refuse obey by the fair credit act it's a federal law.
Consumer complaint received 2022-02-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (CO)

Santander has attempted to collect an alleged debt and repossessed the car without validation of debt. Ive sent a letter of validation of debt by fax twice in XXXX and XXXX. Where I have proof my validation of the debt request was sent and received. No response, they continued to call. 
They are in violation of my rights as a federally protected consumer.
Consumer complaint received 2015-07-03
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I called Capital One credit card to change my billing date. This is not the first time, I have attempted to have my Capital One credit cards due on the same date. The last time I was informed because I just made a payment ; I had to wait till next billing cycle. Today I called again, and the young lady was a little witch on the phone, she was argumentative and obnoxious on the telephone. She kept placing me on hold and saying " thank you for your patience, please continue to hold ''. She informed me because I moved { in XX/XX/XXXX ( It 's XX/XX/XXXX ) } I can not change my billing date, REASON - because I changed my mailing address. She said because I changed my zip code my payments would show late and my late payments would be reported to the credit bureaus. I am not late, never have been late, and a payment is not due. She was threatening, my pristine credit is important - I have never been late on these cards, that is not professional - who am I doing business with? After 23 minutes on hold I hung up. I am paying these XXXX credit cards off and WILL MOST LIKELY END MY RELATIONSHIP WITH Capital ONE and never be a customer again. Very annoyed.
Consumer complaint received 2022-02-04
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC. (TX)

My Mortgage lender company failed to disclose that they did not complete my application for Morgage credit Certificate. They charged me application fees for the Mortgage credit certificate on our closing statement on XX/XX/2021. Though out the process of our house getting built we were told that we would be getting The MCC... we took our classes and provided certificates of completion and how ever when requesting the document i paid for XXXX. Kb home we received this XXXX XXXX, I did check the loan was not registered or closed with MCC. You are correct the MCC was on the file and then removed. Given the time frame since this closing has occurred I am very limited on what information I have available. 



It appears you are due a refund of those fees if they were collected as the CD shows I will need to escalate that piece and see how we can get that refund processed and confirm the fees were not mislabeled on the CD. 



Also, the guidelines may have changed and the current requirements for MCC and what was applicable at the time of your closing may not be the same. Covid had the bond agencies tighten up their requirements and guidelines and some of relaxed them in recent months. 



More to come. 


.... they mislead us into believing that we had an mcc by leaving the fees ... and now are playing it off as a mistake. I belive this was deliberately done to hurry closing process and it does not help with the credits that o would have received if they had done what they needed to do.. I am out of thousands no just the fees now...
Consumer complaint received 2022-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am saddened to report that XXXX, XXXX and Transunion are reporting fraudulent information on my credit reports. I did my very best to resolve this issue by submitting a FTC report to prove the accounts don't belong to me. However, they continue to blatantly disregard the affidavit. This act of inconsideration and disrespect is causing me extreme anguish and Im strongly considering seeking litigation. Please help me ASAP. Thank you.
Consumer complaint received 2023-05-31
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: EQUIFAX, INC. (TN)

This is to provide additional information from undeniable documents. Please see file attached as Equifax has responded that my request to block could not be honored without further information. THIS CLAIM IS TO PROVIDE SUPPORTING DOCUMENTATION!!! I have tried to provide said documents directly to Equifax online but was unsuccessful.
Consumer complaint received 2022-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current (AL)

Unusual accounz activity XXXX my ccount. I had contacted the financial institution over and over about missing monies XXXX charging my account with merchants I had blocked previously. I have recovered only bout XXXX dollars of the XXXX since XX/XX/XXXX that has been scammed or over charged mounts on my account. They have not handled my money responsibly XXXX my bank, and made it so easy for the scammer to keep taking from me over and over, .. even XXXX much as making a false Current XXXX XXXX pp o idnot recognize money being spent and donated to XXXX XXXX XXXX XXXXXXXX account on XXXX XXXX Alot of transactions weren't in my history on app o had to go through all statements available. I have an open dispute now that's their fault, paid monies to blocked merchants I still haven't been refunded. Which all charges are made by my hacker and scammer XXXX XXXX XXXX, from XXXX XXXX born XXXX made name XXXX previously from XXXX Al went to XXXX XXXX XXXX nd lived on XXXX XXXX XXXX Al XXXX
Consumer complaint received 2016-08-29
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: TIDEWATER FINANCE COMPANY, INC. (FL)

Dear XXXX : I can not pin it down, but however I feel that I am taken for a ride. I had purchased a TV from XXXX for {$600.00} and financed it through Tide Water. I paid the loan that I owed and I am still receiving payment notices in the mail. I asked them what do I need to do to conclude the matter and close the account and the representative said to me if you pay today {$81.00}, XXXX XXXX XXXX dollars and XXXX cents, plus XXXX dollars processing fee ; I can finalized the account. [ {$73.00} + {$8.00} = {$81.00}. I told her that I can only make the payment on the XXXX of the month, since the due date is on the XXXX ; I should still be on time. She said if I did not make the payment today, right now on the phone, she can not guarantee that the amount that I owed to be the same. 
I asked her how did she came up with the {$73.00} balance ; since I had already paid {$100.00} the month before after the loan amount was paid. She said that it was a fee for paying pass six months. The amount changes arbitrarily ; she could not give me a definite amount for the late fee. 
I feel that it is a deliberate effort to take money from me.
Consumer complaint received 2015-03-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Advance America, Cash Advance Centers, Inc. (TX)

Repeated calls being informed that they are trying to serve me some legal documents. Misrepresenting themselves and leaving threatening voicemails. Constant and frequent calls with none on the other end and ghost calls to relatives. Cease and desist emailed and faxed. I have XXXX XXXX and they are stressing myself and my XXXX year old mother.
Consumer complaint received 2016-05-26
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SECURITY CREDIT SYSTEMS INC (NY)

left message on phone with my name and that they where a collection agency - XXXX in a row. On a phone account I share with my daughter. There is no identifiers that the voicemail is mine. My daughter retrieved the message. 

If you are calling to collect a debt you are not suppose to leave info on a voicemail if there is no identifiers. In this case someone elses phone.
Consumer complaint received 2015-07-01
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Admin Recovery, LLC (VA)

Guy XXXX called me repeatedly on my cell phone and my job leaving messages. i called him back because i did n't know what it was. He stated that he was a lawyer and that his client was taking legal action against me because I had committed a crime and that I needed to pay his client today or I would be charged in court for the crime i committed. His number is XXXX ext. XXXX
Consumer complaint received 2016-08-22
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Accelerated Financial Solutions, LLC (DE)

A company by the name of Accelerated Financial is calling me relentlessly after I have told them not to call me again. I have no idea as to what debt they are calling about, if any legitimate debt, at all. They threaten to serve me with papers, but never do. They have resorted to calling immediate relatives of mine to track me down including my son and sister-in-law, and perhaps others. They are harassing me, and I want the calls to disinterested 3rd parties, and to my home and cell phone numbers, to stop.
Consumer complaint received 2017-03-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (LA)

on XXXX 2017 my mortgage account with Select Portfolio Servicing was {$79000.00} the next day it was change by account manager to {$80000.00} which is more the my original balance of {$79000.00}. the XXXX of the month is when the SPS reports to the credit reporting agency. I fill a deputes with XXXX to no avail. i have documet which i will upload. please make this mortgage company make this correction.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

EXPERIAN has been reporting two invalid addresses and Incorrect name which I have been requesting immediate removal for more than a year now from my EXPERIAN CREDIT REPORT! 
Name : XXXX XXXX XXXX My name is : XXXX XXXX - No G Incorrect Address # XXXX : XXXX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX TX XXXX on XX/XX/XXXX Incorrect Address # XXXX : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-07-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (GA)

A dispute was submitted to Equifax concerning three accounts : XXXX XXXX XXXX and XXXX XXXX. Each account reflected a negative remark that has adversely effected my credit report. XXXX XXXX XXXX is a collection agency who during several conversations with most recent occurring on XXXX/XXXX/XXXX is updating my credit report in behalf of XXXX XXXX XXXX XXXX. A conversation was held with a XXXX representative named XXXX XXXX on XXXX/XXXX/XXXX at approximately XXXX on a recorded line. XXXX XXXX was informed of the situation with the co-pay and the outstanding balance in the bills. He informed me that the bills have been charged off and that XXXX has no interest in them. When he was asked about collections he stated that the bills were sold to XXXX XXXX Systems on XXXX/XXXX/XXXX. XXXX XXXX was asked about adding collections to credit reports and he responded by stating that XXXX does not report medial bills to collections nor do the ask the medial collection be reported on credit reports. He then stated that XXXX XXXX XXXX has not been authorized by XXXX to added collections to credit reports. XXXX XXXX then stated that XXXX XXXX XXXX is merely a third party collection company that is trying to collect a payment for there benefit because they now own the debt. This is conflicting information as because in a response to a previous dispute filed XXXX XXXX XXXX who is the parent company of XXXX XXXX XXXX stated that they were acting on behalf of XXXX and updating on behalf of XXXX. They claim that they do not own the debt but it was reported by XXXX that the debt was sold to XXXX XXXX XXXX on XXXX/XXXX/XXXX which is reflected on my credit report. Documents are attached to verify the phone conversation with XXXX XXXX XXXX and to verify that XXXX XXXX XXXX has stated that the are acting on behalf of XXXX. 
In regards to the XXXX XXXX account there have been late marks added for XX/XX/XXXX and XX/XX/XXXX which should not be there. The car was paid in full XX/XX/XXXX as a result of trading my car in. XXXX XXXX overnighted a check on my behalf. As for XX/XX/XXXX we did not own the vehicle. Attached is the letter from XXXX confirming the debt was paid in full.