davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I signed up on the phone at Bank of America for a promotional rate of 0 % on {$16000.00} for a year. It was for a car project that has not to this date yet been completed so the money has been sitting in my checking account the whole time. When I called to find out how much longer I had 0 % interest they told me that half of the loan was accruing interest to the level of {$820.00}. I inform them that I was never told and when I checked my statements for the first couple months it showed no signs of interest and if I'd known this I would have put the {$8000.00} back immediately. At the end of the phone call I put the {$8000.00} back on my card but I feel I have been unfairly charged this interest that it was almost scam level to do something like this. I told them I would never be using a Bank of America promotional offer ever again for the rest of my life and I have been with them since XXXX. I still have the other {$8000.00} in my account to pay it back in its entirety but I do believe that I am owed {$820.00} total interest that I have paid this year as I have instantly paid off the balance more than monthly sometimes actually every couple of weeks for any charges that I I make using the card keeping the balance at an even {$16000.00} as much as I can for the entire month. I can't believe such a large institution would commit such XXXX scams like they are a local fly by night finance institution located on the corner for a couple of months. the most disgusting part of the whole thing is that I never even use the money it was sitting in my checking account the whole entire time. Please help, this is completely unfair for such a large institution to practice such business methods to try to scam people out of every dollar that they can.
Consumer complaint received 2022-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-09-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/22 I received a text from Bank of America indicating fraud on my account. Almost instantly, I received a phone call from Bank of America ( with the same phone number on the debit card ) and the rep identified himself from Bank of America. They indicated I needed to make a manual payment to deposit the funds back into my account. The money was instantly gone from my checking account. 

I submitted a claim with Bank of America within 15 minutes of the phone call. I froze the account that was associated with the fraud, I opened a new checking account information and submitted a police report with my town. 

I was notified today that Bank of America denied my claim because Bank of America " completed the XXXX transfer ( s ) according to the instructions you provided us, and therefore no error occurred ''. They did not consider that I was fraudulently scammed into sending the money, nor did they seem to care. 

Bank of America also stated that they would, as a courtesy, research my inquiry with the other party in an attempt to recover the funds. However, the " other party '' called from a Bank of America phone number so there is no way to contact them. 

It is my understanding that Regulation E requires banks to reimburse people for unauthorized electronic transactions, as long as the customer provides timely notice.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

On XX/XX/2022, XXXX XXXX made a soft inquiry on my Experian credit report without my authorization, permission and/or permissible purpose. I do not and have never had an account or any business with XXXX XXXX. Nor have I even given XXXX XXXX permission to obtain/pull my credit report in any manner, whether a hard or soft inquiry, XXXX XXXX had absolutely no permission nor authorization or permissible purporse to pull and/or obtain my credit report from XXXX or any other credit reporting agency/company. This is a clear violation of 15 U.S.Code 1681b and illegal.
Consumer complaint received 2022-09-12
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. (CA)

delete these hard inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-30
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NC)

Good morning, Dispute : date of interest charge was on XX/XX/XXXX Original purchase date XX/XX/XXXX Comenity Bank Amount : XXXX The dispute is simple : the minimum payment that was applied to my account did not cover the remaining {$66.00} on the end date of XX/XX/XXXX. The account should have been closed XXXX XXXX XXXX. My understanding was this account was already full filled and had been paid. If the minimum payments had not been adjusted, this account would have been paid in full on the appropriate date.

The original transaction was XX/XX/XXXX. My understanding is that this account should have been reconciled and closed 18 months later. However, your department changed the dates to an arbitrary date of XX/XX/XXXX. My understanding was that the plan was up 18 months after the purchase date. Now, 30 months later, the plan ends, leaving me with XXXX in interest. Please also review previous documents of the zero-interest start date, not beginning when item was purchased. This account should been closed out, however, 30 month later, I am not receiving a XXXX interest charge. The remaining balance of XXXX has already been paid. 

If you purchased a loan for 60 months for an item. That product should be paid off at that 60 month mark. If you then receive, another bill 12 months later on something that had already ended. How would you know this had a different end date /remaining balance then what you originally signed the loan for? 

Working with this company has been an ongoing issue. I would like this resolved. Thank you for your time.
Consumer complaint received 2022-09-12
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
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. (NC)

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2022-09-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation (UT)

This loan was offered through XXXX XXXX, applied to for the loan. Was approved for XXXX  USD. Upon applying for that consumer transaction, ONEMAIN, is now requiring collateral which was advertised as a option not mandatory to have, to be given this loan which is already turned into a Promissory Note aka a security instrument, this was on XXXX. On XXXX until present day, have been seeking to speak to the Branch manager XXXX XXXX and the underwriter, as of today XXXX, one called spoke with XXXX XXXX and she would not get one access to the Underwriter and said she will have her assistant manager reach out, spoke with XXXX XXXX, asked to speak with the underwriter was nformed that the underwriter is a computer, so a computer is securitizing these Promissory Notes? Informed both individuals of their violation s of the Consumer Protection Act and Laws which they did not even look at each code one gave XXXX continued to keep speaking on Fair Credit Act and disregarded the Consumer Protection Act and Laws. Today XXXX, Before reaching XXXX and XXXX, one spoke with the main call center and asked to speak with the underwriter and was informed that they don't have a number and that the Branch Manager would have to give one access to speak with a underwriter. With this information and with what one was informed by the Branch Manager and her Assistant Manager clearly there's deceptive practices transpiring here. Nothing is matching up to the truth. They have access ones credit and now requiring a down payment to receive the loan when this is in fact a Consumer Transaction and not a credit transaction and as a consumer one stated " want a listing of all factors were involved with this consumer transaction '' was denied this also. This is clearly a violation of multiple consumer laws. Charging to access one 's credit after already pulling a hard inquiry. 15 U.S.C. 1681 15 U.S.C. 1611 15 U.S.C. 1692j 15 U.S.C. 1601 Note - was informed that this was an unsecured personal loan and needed to give collateral however that's not what is advertised. It's advertised the opposite way and as for the location being Utah, there's no stipulations as of loans in that location.
Consumer complaint received 2022-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within XXXX  days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt XXXX. 
I never sat across a table from any of the alleged creditors and debt XXXX and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2022-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (SC)

Hey guys, You are such awesome people. Need your help. 

In 2022 my tax assessor billed me incorrectly. They would later fix the issue and bill me the correct amount. 

The initial 2022 tax amount : {$2700.00} The corrected 2022 tax amount : {$770.00} The mortgage company increased my escrow payment to reflect the incorrect {$2700.00} escrow. My first attempt to get help was on XX/XX/2022 at XXXX. I sent a message via in-app chat to the mortgage company to run a new analysis on my property. I never received confirmation that they ran the analysis. 

12 days ago, on XX/XX/2022, XXXX XXXX  EST, I requested my mortgage company to run an escrow analysis again on the property to correct my escrow being nearly 3x what it should be. 

Since then, I have reached out via phone, twice via email ( XXXX ) & once via in-app chat. I have received no response from any of the 3 mechanisms except via phone I was told that " I will pass along the information ''. 

My mortgage company is a wonderful group and has always treated me well. Their support team is very kind. I am happy to be patient, just concerned that no one has even attempted to reply to my email or acknowledge my attempts to give them the correct information. 

My current escrow balance is {$2900.00} - far greater than the {$770.00} I was billed last year. By the time I pay taxes again, the balance of my escrow may be nearly double that. 

I have attached a screenshot of the old bill and the updated bill. Here is the URL to the XXXX XXXX XXXX XXXX website with updated info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thoughts on how we can help fix this?
Consumer complaint received 2022-09-12
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: EQUIFAX, INC. (FL)

Hi! My name is XXXX XXXX, I've just discovered that the items I requested for you to investigate and delete have not yet been removed nor did you sent me anything, what's going on? you seem to be ignoring my letter. I sent it on XX/XX/2022, but a month has already passed. I still haven't received any response from you. A legal expert told me in an online forum that this is a violation for your willful and negligent, and non-compliance and I am willing to take it to the next step should you continue your negligence.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the fair credit reporting act XXXX  account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights. 

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.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (NJ)

In accordance with the Fair Credit Reporting Act Account with Best Buy Has violated my rights. 

15 U.S.C 1681 section 602 states I have a right to privacy 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B states A creditor may not treat a payment on a credit card under an open end credit plan late for any purpose