davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Please add this information to [ Case number : XXXX ] ; On XX/XX/XXXX I spoke with a Bank of America Regulatory Representative and still very dissatisfied, first the regulatory representative claimed the 20 minute wait after a restriction has been removed from their card does n't exist, yet the representative from their Security Fraud advised me on XX/XX/XXXX there is a 20 minute wait time after they remove the restriction from their accounts and any transactions made prior to the 20 minutes will automatically cancelled. After speaking with her and I then requested to speak with her manager and received a call from this Manager who she identified herself as VP. She had so many inconsistencies with how she was explaining what happened, first she claimed they could n't locate the calls, then a few minutes later she claimed they had n't reviewed the calls and was disputing everything, which was told me by the fraud department. I do n't know why they ca n't locate the calls being that the calls were made via using the Bank of America Mobile app ; also, she tried to coerce me into signing Merchant transaction dispute, but claiming their investigation was still pending and also claiming the transaction was processed and paid on XX/XX/XXXX, which again goes hand in hand with their poor accounting practices ; on XX/XX/XXXX Bank of America, claimed the transaction was never processed and cancelled due to being marked as duplicate charge. I explained to Bank of America, this the Financial Institution, I trust with my funds each month and I come to regarding transactions, and not only did one of the representative, provide me with inaccurate information, but it was multiple representatives and Bank of America needs to be held accountable and take responsibility for their poor customer service, as a Business this is not acceptable, I trust them with my monies and no I will not file any merchant disputes at this point in time, because this is n't error on my part or the merchant error, Bank of America solely caused this issue. On XX/XX/XXXX, I contacted my merchant by email and explained the transaction had been cancelled by my Bank due to them flagging is as fraud and proceeded to place a new order for XXXX, I then had 2 transactions of XXXX debited from my account and at this point and not disputing any charges with the merchant. Also, when Bank of America contacted me regarding my Complaints filed, I did n't know if it was fraudulent company, because the name of the company shows on the caller id as a XXXX XXXX XXXX and when I contacted the number XXXX, it also states this is name of the company and only the representatives state she was Bank of America representatives.
Consumer complaint received 2023-08-10
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. (NJ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting XXXX XXXX XXXX to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of inaccurate addresses which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/2013 XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/2013 According to FCRA XXXX XXXX ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-08-10
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (SC)

The original debt is to XXXX XXXX for the total of {$840.00}. This has been turned over to the collection agency XXXX XXXX XXXX. The collection agency on my equifax credit report does not show that this account has been disputed. This violates the law because 15 USC 1692e8. They have not reported that this has been disputed. This account should there for be deleted from report. Also they have had more than 30 days to report this dispute. Item should be removed from credit report immediately.
Consumer complaint received 2018-01-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MI)

I received a call from XXXX XXXX XXXX around XX/XX/XXXX. The person on the phone said I had a XXXX XXXX XXXX debt of {$890.00} dollars and the card was associated with XXXX XXXX, my employer. I used my XXXX card for making travel reservations to XXXX XXXX prior to XX/XX/XXXX. The card was issued by XXXX XXXX XXXX. I went on XXXX XXXX leave on XX/XX/XXXX due to a personal injury I suffered on that day. I cancelled the reservations within 10 days of my injury to avoid paying any penalties for not using the services paid for with the XXXX card. Sometime after my injury, my employer switched from XXXX XXXX XXXX to another issuer, who I guess is XXXX XXXX. I never opened an account with the new issuer since I was on XXXX  leave and told by my employer to not engage in any employee related work efforts. Hence, I never knew of any charges to the AMEX card. 
When Credit collection Services called me about a debt for {$890.00}, I was mystified about it. I told them I would check into it. I checked my last known XXXX account, from XXXX XXXX XXXX, I owe them nothing. I think this charge of {$890.00} is a false charge.
Consumer complaint received 2018-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (RI)

The initial mortgage started effective XX/XX/XXXX, after 2 months with XXXX XXXX the note was sold to XXXX XXXX. XXXX XXXX determined a monthly mortgage payment of {$910.00} including es-crowed taxes and insurance for a 30 year loan on principal of {$120000.00} with fixed interest of XXXX. XXXX XXXX sold the note to Specialized Loan Servicing ( SLS ) during XX/XX/XXXX. SLS notified me on XX/XX/XXXX that the loan had accrued a shortage of {$10000.00} that resulted in a new monthly payment of {$2100.00} until the shortage adjustment was recouped. On XX/XX/XXXX SLS notified me that per recalculation the new monthly payment would be {$1700.00} as the  shortage was determined to be {$5300.00}. I was told by phone that I would be requires to pay this new monthly amount for the next 12 months. As I have indicated the payment went from {$910.00} to {$1700.00} without any means of recourse or option to repay over a longer term. The annual escrow increase from XX/XX/XXXX to XX/XX/XXXX for taxes and insurance amounted to {$72.00}. The action I find necessary is for SLS to clearly explain the shortage calculation as well as their denial of my request to lengthen the term allowed to repay the correct shortage amount.
Consumer complaint received 2018-01-15
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. (MS)

Account # XXXX I started disputing in XXXX with Experian and XXXX concerning a reported late payment with XXXX XXXX from XXXX XXXX. The results of their investigation came back Verified and Updated. 

XXXX, I sent a letter to XXXX XXXX about the late payment and received a quick response from them stating that they have no record of the late payment since they do not maintain records going back that far. I am in shock that these companies claimed to have verified this account since this a clear untruth. I will include the letter sent as proof of my claims. 

This violation is, I believe, covered under FCRA Section 623 by refusing to correct inaccurate information. All I ask concerning this account is for these two companies to correct this account and report it as Paid As Agreed / Never Late.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (PA)

On XX/XX/year> my wife and I leased XXXX vehicles from the XXXX of XXXX location. We left the dealership with both vehicles. After signing our contracts and making our initial first payment. XXXX of XXXX decided to submit my wifes vehicle that day. But they decided to submit my vehicle the following week. In doing so XXXX of XXXX had to changed all the dates on our signed contract without our knowledge. In XXXX my wife and I went on to the XXXX XXXX  website to see when Our due date was and we saw a date of the XXXX. We pushed our payment back until the XXXX of the following month to cover other expenses but as to not go 30 days past due. When we made our payment on the XXXX we were told that we had two separate due dates. Thats when we discovered that the dealership had changed the dates on our original contract after we left the dealership. XXXX car was paid on time and the other was reported late. XXXX of XXXX had denied changing the contract multiple times until I requested a copy of the contract they submitted to XXXX XXXX finance. Then they admitted to changing the dates. XXXX of XXXX has since XX/XX/year> completely stop answering my calls and have refused to send me the altered contract. So I am now heading to arbitration with Kia Motors finance to correct my credit score.
Consumer complaint received 2018-01-12
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: Experian Information Solutions Inc. (FL)

XXXX consumer is in breach of the abritration clause the contract by selling it to a third party collection agency! XXXX has violated the abritration clause! XXXX consumer has sold this debt to XXXX XXXX XXXX! XXXX XXXX XXXX has not sent any correspondence in regards to buying the debt, they have not validated the debt! In the US law encyclopedia, American Jurisprudence, 73 am Jur 2d. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not original on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, but they not give these rights to the collection agency. The collection agency can not act as a substitute for the original creditor.
Consumer complaint received 2023-08-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (OK)

This bull was for a month of service that I didnt have with XXXX XXXX I dropped the box off a while after I had service stopped but they didnt close my account in the correct amount of time, raised my bill without telling me I was losing the package because I moved.
Consumer complaint received 2023-08-03
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-10-07
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NC)

my payment was due on the XX/XX/year> but i couldn't get out to make the payment at the store because of hurricane helene and couldn't make the payment over the phone or internet because it was down until today XX/XX/year> and now they want to still charge me a late fee of {$41.00}
Consumer complaint received 2018-01-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I 've been trying to submit complaints to the credit bureaus. For some reason or another i have n't been too successful. I 'm not sure what the problem is but it is causing me major stress constantly trying to submit the same complaints and getting no responses. So again -XXXX XXXX XXXX I have NEVER done business with this company. Clearly they have made a mistake. I do not owe this debt they claim i owe. 

XXXX XXXX - # XXXX, # XXXX, # XXXX I have never done buisness with this company. I have NEVER given this company access to my personal medical information. Under the HIPPA law my medical records are protected. Please remove these accounts. 

-XXXX XXXX # XXXX I have NEVER done business with this company. Clearly they have made a mistake. 

-XXXX XXXX # XXXX I have NEVER done business with this company nor have i been contacted about this debt. Clearly they have made a mistake. 

-XXXX XXXX XXXX XXXX I 've contacted this company requesting debt validation. They did not respond. I 'm not sure how they can VERIFY something to the credit bureaus but not to me. Who did you speak to about this debt? Can you tell me the date and time you spoke with them also? If not please remove. 

XXXX XXXX XXXX XXXX XXXX This account is inaccurate. I do n't recall having an account with XXXX XXXX. Please remove. 

XXXX XXXX XXXX # XXXX I 've reached out to this company and they sent me some computer generated letter. I 'm not sure how that can substain as debt validation that i requested. Since this company could n't properly furnish me with the requested documentation in a timely manner it should be removed ASAP!!!
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc. (WV)

Back in XXXX of XXXX, I noticed this company pulled a hard inquiry on my credit. 
I do NOT know this company, not did I authorize this action. 
For the past XXXX  months I have been trying to have them either remove the hard inquiry OR to show me proof that I authorized this action. This company has failed to act on either request. 
I am aware of my rights under the Fair Credit Reporting Act, and they are violating these rights. This is my last attempt to resolve this before I take official action.
Consumer complaint received 2024-10-07
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: CITIBANK, N.A. (CT)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX Connecticut Laws Dear THD/CBNA, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically Connecticut 's identity theft laws. 

It has unequivocally come to my attention that THD/CBNA has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Connecticut state law, particularly under Section 53a-129a of the Connecticut Penal Code, outlines clear protections for consumers against unauthorized use of personal information, including identity theft. This law highlights the seriousness of misusing someones identity, particularly in credit reporting scenarios, and reinforces the rights of victims to seek legal recourse. 

I assert with unwavering certainty that I have not provided consent for THD/CBNA to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that THD/CBNA immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Connecticut 's identity theft laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Connecticut 's state laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that THD/CBNA will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2018-01-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (GA)

I refinanced my home with another lender in XXXX XXXX. It is now XXXX XXXX and I have yet to receive my {$3000.00} escrow refund. 
Account XXXX was paid in full on XXXX/XXXX/XXXX. LoanCare , LLC released my property tax escrow in the amount of {$3000.00} to my tax office on XXXX/XXXX/XXXX. The tax bill was already paid by the new lender upon receipt of the LoanCare payment on XXXX/XXXX/XXXX. XXXX XXXX XXXX office returned the payment to XXXX XXXX on XXXX/XXXX/XXXX. I have made several phone calls, emails to the company to inquire about the delayed processing. I 've gotten the run around since XXXX, being promised escalations and rush on the return to no avail. I have spoken to supervisor XXXX XXXX on 2 occasions, only promised that the check should be mailed soon. My online account shows the contractor returned the check to LoanCare LLC on XXXX/XXXX/XXXX and there has been no further processing as I spoke to a customer service rep, XXXX # XXXX today. She assured me that no one was trying to " keep my money '' only to return to the line with her humblest apologies as the delay is duely noted in my file. I would assume the company is well beyond their legal limit to refund my escrow overpayment. 

I am a single mother and my children are still awaiting their delayed XXXX gifts that were promised to them as I was unable to afford anything due to being over {$3000.00} in arrears due to this fiasco. And now they have birthdays coming up, and I will have nothing for them, yet again. I am unable to make this month 's mortgage payment for my home as I have maxed out all of my lines of credit trying to compensate for the missing funds over the last 3 months. LoanCare does not seem to have a good system in place with their tax contractor XXXX, as they held my funds for over 6 weeks and not a single soul at LoanCare could provide me with an update despite their self admittance of several attempts to follow up with XXXX about the returned check. Furthermore, it is not the problem of the customer that your contractor is ill equipped to handle refunds in an appropriate time frame. I am so glad this company is no longer servicing my loan and I would not recommend anyone to finance with them.
Consumer complaint received 2018-01-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (VA)

I received a refinance offer from Chase ( my current mortgage company ). It stated they would lower my interest from 4.75 to 3.75 and my APR would be 4.22. I called Chase and worked with XXXX XXXX. She was really nice and assuring and when I provided the offer number on the letter to her, he confirmed the rates and asked me if I wanted a 15 year or a 30 year refinance. I told her 30, because I 'd like a lower monthly payment. She pulled my credit and said my scores were great ; XXXX 's. I filled out all sorts of paper and sent her everything she required of me. Several weeks later I get a call from her telling me that the underwriter is requiring her to contact me and make a counter offer of a 20 year refinance. I 'm like .... I have 21.5 years to go on a 30 year loan. I want a longer loan, not a shorter one, so I can have a lower payment. She apologized and told me that this was the first time she 'd been required to do this and she would let the underwriter know that I wanted the 30 year refi. I get a call a day or so later from XXXX, telling me that I was n't approved for the 30 year, they could only do the 20 year. I told her the letter did not offer me a 20 year loan. It offered a 30 year. I never asked for a 20 year. She did n't seem to know why I was being denied and said well maybe it 's because your APR will be 4.55, and since it 's not dropping at least half a point, the underwriter decided not to approve. I said where did this 4.55 come from? You told me 3.75 interest and 4.22 APR. Would it be approved if you put down the APR that you told me it was going to be? She really did n't seem to know how to answer me. I told her I feel like I was tricked. Like they had tried to pull a bait and switch on me and I sent a message to their XXXX page advising them of what I had been put through. I was contacted by a nice lady name XXXX who seemed to know even less than XXXX, and she was n't able to help me either, nor give me any explanation as to what happened with my original loan offer. All I wanted was to refinance my loan and lower my monthly payment. All I got was a big waste of time and a lower credit score.