davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

My account with XXXX, XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 reported in 60 days to be removed. 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 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! Delete the late payments from my consumer reports 8
Consumer complaint received 2017-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX our credit card account was closed without any notification. I contacted Bank of America who stated the account was closed because of a business decision not to support the type of account we have. They stated they mailed a notice on XXXX XXXX to advise they no longer support the account, which is the same day they closed the account. This put our company in a difficult position and left several of our employees stranded, unable to obtain fuel or make the purchases they needed to make. I understand Bank of America has the right to make a business decision to close an account that may not be profitable to them. However, I believe they should be required to provide advance notice before accounts are closed, especially when the account is in good standing and has not been paid late. Please note : I was a customer of Bank of America for 12 years and this came as a complete surprise and caused substantial disruption to our day to day business.
Consumer complaint received 2017-10-24
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. (PA)

I have a Charge-off on my credit reports reported by the 3 credit bureaus ( XXXX XXXX and Transunion ) being reported by XXXX ( XXXX XXXX ). This debt was a joint account with my ex-wife. We were separated in XXXX and divorced in XXXX. This debt was sold to a Collection Agency, XXXX XXXX, and XXXX XXXX has removed it from my credit report on their end. I have asked XXXX XXXX XXXX XXXX XXXX as a Goodwill gesture to remove their reporting from my 3 credit reports on their end as well. I received a letter from them stating that my request was denied and that XXXX XXXX XXXX XXXX XXXX will not remove the derogatory remark from my 3 credit reports, and that they will keep reporting it. This account was opened in XXXX, and was charged-off in XXXX. I am asking them for their consideration in removing this derogatory item from my 3 credit reports from each of the XXXX credit bureaus.
Consumer complaint received 2017-10-24
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (MA)

on XX/XX/XXXX I purchased a new vehicle and terminated my lease with XXXX XXXX through a dealer pay off. The pay off amount was XXXX. After a while of driving my new car i noticed that the original lease with XXXX XXXXol was still showing as active. I called them in XXXX and was told that they see how the payment was applied wrong and they would fix it. I then received a bill from them in XXXX about the lease. I call them again and they inform me that they would be able to fix it as it was just a late fee because the payment was n't applied properly and they would also fix that to close out the lease. I totally forgot about it until XX/XX/XXXX when I receive a collections call because I now owe them XXXX. I spoke to a manager at this point by the name of XXXX XXXX who told me he would contact me within 24-72 hours. I received no phone call as of XX/XX/XXXX. At this time i decide to call back and see if I can get this issue resolved. I speak with a manager who seemed to be more interested in transferring me to an escalation manager by the name of XXXX. She was absolutely no help as she did not know how to fix the issue or anything. I then get transferred to XXXX XXXX who is with the office of the chair and still no resolution to the problem. I have asked for their NMLS number and was refused it. At this point I am at a total loss of what my next course of action should be. I have now had this on my credit report for one year negatively affecting my credit and it looks like there is no resolution to be had.
Consumer complaint received 2020-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Due to unfortunate circumstances I travel back and forth form XXXX XXXX to XXXX  in the month of XX/XX/2020. I am proud to report on time payments four consecutive months. Being a loyal and happy customer of Capital on, I enjoy all the benefits and rewards. I have set-up auto pay for this credit card for future due dates. I was able to get the past due payment credited to my account, on XX/XX/2020.
Consumer complaint received 2017-09-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX, I submitted a letter to TransUnion in reference to two ( presumably ) credit card accounts from the same company, with the following language : " The listed items are completely inaccurate and/or incomplete, as I have never held any type of accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and this is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. '' On XX/XX/XXXX, I submitted a letter to TransUnion in reference to an account listed under a creditor named XXXX XXXX XXXX, with the following language : " XXXX XXXX XXXX continues to report inaccurate information on my credit report with TransUnion, without sending in proper documentation as proof that the account is in fact my debt ... .Your credit bureau has failed to protect me as a consumer and has not followed the proper guidelines in place to verify debts on my consumer credit file. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. '' Also on XX/XX/XXXX, I submitted a second notice to TransUnion in reference to another debt collection agency, XXXX XXXX, XXXX, with very similar language. 

As of today, XXXX XXXX, I received a notice from TransUnion stating to contact the creditors directly. TransUnion also failed to inform me of the necessary steps they took to verify these erroneous accounts. I have reached out to TransUnion numerous times regarding various reporting errors, including unknown employers and addresses. I have not received any assistance from this credit bureau regarding any of my requests. Attached are all the letters mentioned.
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I put a fraud alert on my credit records with XXXX, since they told me on the website that my data was compromised. I arranged to put a fraud alert on my records, which XXXX said would be shared with XXXX and TransUnion. I received a letter dated XXXX XXXX, XXXX telling me that the alert had been effected and that I should receive notification from the other 2 agencies. I had received an email confirmation from XXXX that the fraud alert was in effect. The letter from XXXX said that I should receive written confirmation from both of the other 2 reporting agencies and to contact them at the telephone numbers provided in the letter if I had not received such confirmation. I telephone TransUnion on XXXX XXXX, XXXX and, after wading my way through menus, finally got a human who confirmed that the alert was in place. I asked for written confirmation, either by letter or email to confirm that. I was told that they, TransUnion, was not providing any such confirmation and the only thing she could do was to give me my file number so that I could check in the future to see if the alert was in effect. XXXX told me that TransUnion is required to notify me in writing of this alert being in effect.
Consumer complaint received 2017-09-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

Account # XXXX Property Address : XXXX XXXX XXXX, XXXX, MD XXXX This new Complaint is a rebuttal to Wells Fargo 's response to Complaint XXXX and others subsequent to it. 

Here I made two critical complaints, among many others. I complained that I was denied loan modification because my application showed ability to pay. I challenged Well Fargo that this was not a ground for denying loan modification. Notwithstanding this outrageous reason for denying loan modification, I confronted Wells Fargo with the actual reason for denying my modification application. I was told the real reason was the equity. When did Equity become a lawful ground for denying modification? Please ask Wells Fargo to explain why it used the equity in my home as a ground for denying loan modification. 

I learned that Wells Fargo used HTI ( Housing To Income Ratio ) to deny me loan modification. HTI uses gross income in making its calculation. My gross income when Wells Fargo denied my loan  modification in XXXX 2016 was {$11000.00}, half of which were business expenses. I am XXXX. Using HTI automatically disqualifies me or any other self-employee person because it gives a falls impression of my income. Had Wells Fargo deducted the business expenses, such as condo fees from the rental property and other costs, I would have fallen within the HTI approval range. It was using this voodoo method that Wells Fargo succeeded in stripping self-employed borrowers like me of their houses. They should go back and use my net income, not gross income.
Second, I complained that Well Fargo failed to credit my payments and that the loan balance was wrong. I have letters in which they denied that I made payments, then I confronted them with the evidence. Faced with the evidence, they said the payments were not credited because they were made pursuant to a modification trial plan. I challenged them that I was never granted a modification, let alone a trial plan. I want Wells Fargo to produce evidence of the loan modification that I signed upon which a trial plan was based. Unless Wells Fargo fabricates one, consistent with its corporate culture of fraud, none exist. Let Wells Fargo produce the evidence. I want Wells Fargo to explain why they failed to grant a loan modification after a trial plan, which they claim was where my monthly payments of more than {$70000.00} in the last three years went.
Consumer complaint received 2017-10-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Corporation of America (TX)

In a statement with the date XXXX XXXX, XXXX, i received a letter from the Financial Corporation of America. This is a collection company that is trying to collect funds for XXXX XXXX XXXX. This bill is for my XXXX XXXX XXXX step-daughter that does not live with us. She is a competent adult that we are not responsible for. I provide her insurance through my XXXX and that is the extent of my obligation for her. She saw this medical group on XXXX XXXX, XXXX and never paid her bill in the amount of {XXXX}. I did not know she went to the XXXX nor was I present for the visit. I did not sign any statement of financial responsibility for this visit. I called this company on XXXX XXXX, XXXX and informed representative XXXX that this was not my debt it was XXXX XXXX 's and they have billed me in error. He confirmed with his supervisor, XXXX, that they correct and allow to bill me. They stated that since i am the insurer they will hold me responsible and not take my name off of the bill making me responsible for the balance. I then conferenced in XXXX on the call and she agreed it was her responsibility and not mine. XXXX gave them her current address and phone number. I followed up the following day and talked with XXXX again who told me even though she gave them her information they will still leave my name on the bill. This does not seem legal to me. I am not responsible for her bills or debt she incurs as an adult. I have also reached out to XXXX XXXX XXXX to also see what can be done to remedy this situation. Please contact me if you need any further information from the XXXX XXXX. Thank you
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CO)

I sent XXXX, XXXX and experian a certified letter advising that XXXX XXXX mandated they remove ALL payment history prior to my bankruptcy chapter XXXX and there are MULTIPLE inquiries I did NOT authorize and would like them removed as well as payment history. All they did is add BANKRUPTCY FILED to my XXXX CLOSED ACCTS with XXXX then knocking my XXXX XXXX down XXXX more points. This bankruptcy was filed XXXX/XXXX/XXXX and XXXX XXXX/XXXX/XXXX. So to add that comment now after over XXXX yrs is irrelevant. AND REFUSE TO REMOVE INQUIRIES I DIDNT AUTHORIZE AND indicating I have XXXX student loans when I consolidated into XXXX in XXXX if XXXX. I have proof all XXXX credit bureaus received my certified letters with signature required. And have done more damage now to my credit.
Consumer complaint received 2017-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (TX)

I have Wells Fargo Visa Credit card. As per the terms after spending $ XXX within 60/90 days one will get $ YY as the cash rewards. I have {$210.00}. When i tried to redeem it - it 's only letting me redeem in the multiples of {$25.00}. I want to redeem all. Trying to work with Wells Fargo since XX/XX/XXXX regarding this issue. They asked me to reach out to the Rewards Center ( 3rd party ) but they are also not willing to write me a check of {$210.00} and send it to me.
Nowhere it 's mentioned in the card member agreement that rewards can be redeemed only in the multiples of {$25.00}. Moreover other banks and credit cards also does n't follow what Wells is doing.
Consumer complaint received 2017-10-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (NC)

On XXXX XXXX, I made a payment to Ally Financial in the amount of {$900.00} because I fell behind in my car payments due to losing a job and just started a new job on XXXX/XXXX/2017. I explained my situation to the representative at the time. The week of XXXX/XXXX/2017, I received a phone call at work from my father in law stating Ally Financial called him in XXXX looking for me. I called Ally Financial and told them my situation and informed that I will be making my payment when I get paid. I do n't get paid till XXXX/XXXX/2017 because I just started my job and this will be the first pay cycle for me. I called Ally Financial and told them do not call anyone in my family looking for me and I was told that no problem and his number will be removed. 

I never gave Ally Financial my father in law phone number and they are using extreme secret practices to humiliate me with out allowing me to call back. On XXXX/XXXX/2017, I received while at work 6 calls back to back from a representative named Precious at Ally Financial bank on my cell phone. Before I can give her a call back when I get off work, she called my Supervisor at my brand new job at the XXXX University hospital and humiliated me because I did n't call her back soon enough ( I attached a copy of the email my Supervisor sent me ). When I called the representative Precious at Ally Financial and asked her how did she get my new job number which I did n't even know yet. She refused to I was told by her supervisor that are secret tools they use to locate people. I informed that that they are never to call no number to look for me except my home and cell number. This is the 2nd time I 've explained to Ally Financial they were violating my rights. It is threatening and scary knowing they are most likely illegally using methods to track me without my permission. They called my father in law as well as job looking for me and will not disclose where are they getting my information. 

I want the threats from Ally Financial to end. They act like I have no rights as a consumer and it is really scary my personal information is being used as a weapon against me. They are withholding methods and refuse to tell me if they are using google or what other searches putting my personal information such as social security, address and date of birth on the internet. They may even have someone following me. Please help me resolve this matter. I am afraid and really need assistance or to know my other options. No creditor should be able to get away with this.
Consumer complaint received 2017-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I have had a XXXX account with Bank of America since XXXX. I have used this account sparingly with balances generally less than {$500.00} XXXX Some months the card was not used at all XXXX. I have always paid my balance in full each month and always on time. 
Staring in XXXX XXXX, I began seeing multiple unauthorized charges on my statements, which I promptly reported to Bank of America. In the beginning, they promptly credited my account for the charges and said they were beginning an investigation. As time went on there were an increasing number of unauthorized charges for increasing amounts all of which I reported to Bank of America and for which they gave me provisional credits. 
Eventually, I identified the person ( living in my home ) who I suspected was the perpetrator of this fraud. I began eviction proceedings against this person and informed Bank of America that as soon as the eviction was final I would be filing a police report naming this individual as a suspect. On XXXX/XXXX/XXXX, I filed the report and called Bank of America with the police report number and the XXXX XXXX 's name. 
Beginning with my billing statement of XXXX, Bank of America began charging back to my account, nearly all of the fraudulent changes, stating that they had finished their investigation and had determined that no fraud had occurred. They did not give a reason for this finding. Now, they are expecting me to pay over {$16000.00} in fraudulent charges ( Even though the credit card agreement clearly states 0 % liability for fraudulent charges ).
Consumer complaint received 2017-10-24
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Ad Astra Recovery Services Inc (LA)

This company which I hold NO CONTRACT with nor have received services from is reporting a collection account against my SSN in the amount of XXXX with XXXX, XXXX, XXXX XXXX reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have provided information to Equifax and XXXX regarding inaccurate items on my credit report. The company has not verified the information of the items. I have provided the deleted items showing from my XXXX report to Equifax and XXXX to follow suit so that my credit report is the same across all 3 credit reporting agencies. I have not received any feedback regarding when the items will be deleted and any verification of the items. I have been sending this information to XXXX and Equifax for a few months and they are ignoring my letters to them and sending me a generic response. I have not receive a phone call or any form of contact regarding my request.
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

On information and/or belief, XXXX is re-aging and/or falsely manipulating at least two of my former credit card accounts. [ 1 ] XXXX reporting as closed XXXX XXXX and XXXX 2 XXXX XXXX reporting as closed XXXX XXXX. 

PREVIOUSLY I reported to this body that XXXX closed these two accounts without prior notice a number of years ago, on information and/or belief in XXXX. 

PREVIOUSLY XXXX reported to this body that they had closed these two accounts without prior notice a number of years ago, on information and/or belief in XXXX. 

NOW XXXX is reporting both accounts [ CLOSED XXXX XXXX XXXX. On information and/or belief, this is deliberate fraud on the part of XXXX and in violation of FCRA.