davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

To Whom This May Concern, according to Bank of america, XXXX has denied my forgiveness based on BOA XXXX provided however i am unable to speak with the XXXX myself. This is going to be an ongoing fight until full resolution, what they are doing and did is Criminal, and there is a class action law suit against the bank about my very complaint XXXX LOAN # XXXX please see attached docs, previously provided to BOA upon application, Please let the XXXX KNOW THIS!!!!! According to BOA I'm being denied as I imputed XXXX XXXX payments into my totals, which I did as that's what it asked for in the BOA APPLICATION!! Regardless, I disbursed the XXXX XXXX XXXX  funds per XXXX Guidelines, only paying XXXX employees, hiring new employees and paying from a separate account, all rules from XXXX which we followed 100 %. Please note that the attached documents are all I have regarding XXXX for 2019, I was on payroll the last week of 2019. That's why when I applied as a new business, I did XXXX XXXX payments as detailed in the application, BUT did not pay out XXXX payments with the XXXX Funds!!! I see that BOA is having this exact issue with many clients who are trying to abide by the XXXX rules, i was advised by a BOA rep that I'm not alone. This is poor service form BOA, i am researching and finding lawsuits with the bank over this and fully intend to pursue as well if this isn't 100 % forgiven based on XXXX  payout rules, i did everything i was asked for, and complied 100 %, everything that Bank Of America asked for prior to them approving my loan, i provided and what i didnt provide, i submitted a full Explanation. Bank of america fraudulently approved loans at a rapid rate, received payment for their loan approvals and didn't care the destruction it implied to small business, i can not sustain a {$2400.00} payment that i shouldn't be paying back, that was the purpose of this loan, to help small business in need, not cripple them i appreciate this entire message making it to the XXXX and Prefer Communication with The XXXX, i would like to hear and reply to the XXXX, not through the BOA hands thank you, Angered XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remodelers
Consumer complaint received 2023-04-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (MN)

XX/XX/XXXX a fraudlent document was made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX mn and XXXX XXXX XXXX  i XXXX  XXXX XXXX am revoking my signauture so the contract is null and void money owed XXXX for finance amount and XXXX for credit charge and XXXX cash deposit and XXXX for service contract charge so the total cash price is XXXX plus XXXX for public officals total owed XXXX plus XXXX for debt discharge from CREDIT ACCEPTANCE fruadlent contract number XXXX on XX/XX/XXXX and my XXXX XXXX XXXX XXXX number # XXXX XXXX XXXX XXXX XXXX WAS TAKEN AND I WANT IT RETURNED IMMDEITLY.WITH OUT PREDUCIE.
Consumer complaint received 2023-04-16
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 (IL)

My complaint is about Capital One. I have a paperless account meaning all of my payment information is done digitally. 

I have an auto payment scheduled on the XXXX of every month for {$500.00}. This is always more than sufficient to pay the minimum payment required for the month. However this month the minimum was {$500.00}. Capital one texts when payments are due and pushes you to the app to confirm payment. The min payment is never communicated in the app or the text messages. They alert you to the auto payment that is scheduled but they do not tell you that the {$500.00} auto-payment is not sufficient for the minimum in the text message reminders OR the app. This sort of automated alert is not difficult at all to program. It is intentionally deceptive. It results in 1. ) a late payment on your credit and 2. ) a {$40.00} late fee. The auto payment is schedule for the last possible day of the payment term so if your min payment. Is greater than your auto payment you immediately are assessed a late fee, which then raises your min payment for the next month wherein your auto payment amount will again be insufficient. 

All of this can be solved by two easy and transparent acts. 1. ) in the text message alert that we as customers sign up to receive they can include the min payment amount so that we can make an informed decision about whether our auto payment is sufficient and 2. ) on the app, where the text message links you, they where they show your credit balance, available credit and payment due date they can also show you your min payment do AGAIN so you can make an assessment of whether your auto-payment is sufficient. Simple programming in both the app and text messaging system can give you the ONE piece of info you need to make a decision about payment but they fail to give this, creating an avalanche of problems and fees and credit reporting issues. Capital Ones response is, you should have looked at your statement! This is really deceptive when the text messaging system gives you ALL the information you need and the APP that they drive you to gives you ALL of the info you need EXCEPT the most critical piece of information, which they have, but which they require you to look into the depths of their system to find. It does not require ANy work on capital Ones part to provide min payment due on n their systems but they have intentionally made a programming choice not to include this because it results in consumer confusion and they profit from that and then blame the customer. It cost me {$40.00}. The easiest {$40.00} Capital One will make and one they made my making conscious decisions to omit useful consumer information in their baseline communications on bill pay.
Consumer complaint received 2017-12-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY (CA)

My complaint is regarding my application for personal line of credit on XX/XX/XXXX with  Wells Fargo Bank. I went to the local bank and after the teller imputed my info in the on-line application, I was denied automatically on the spot for a line of credit of {$100000.00}. 

On XX/XX/XXXX I received a letter from the bank stating I was denied and listed the reasons. Please see attached letters. 

One of the reasons was that I had high debt to income ratio, when in fact I have no debt as confirmed by XXXX credit report which the bank said had used for this application. Other reason was bankrupcty and foreclosure which occurred almost 2 years ago. 

I called the bank and told them to look at the credit report and to see that I have no debts, but they said they do n't have the credit report to verify this information. They were n't able to respond how I was denied based on debt ratio when they do n't have a credit report. 

I responded with a letter ( attached ) stating I have no debt, and asking the bank to provide me with written documents backing up their assumption I have debt, calculations used for debt/income ratio, and bank policy on timeline and refusal of credit after bkcy and foreclosure. I included with the letter a copy of my XXXX credit report, XXXX 's for last two years and paychecks showing my income and ability to pay back a credit line. 

Wells Fargo sent me a letter on XX/XX/XXXX only repeating the reasons but not providing any detailed information as I requested, nor explanation for error refusal based on assumed debt.
Consumer complaint received 2023-04-17
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX Balance : {$8000.00} ; XXXX XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$3000.00} ; XXXX XXXX XXXX
Consumer complaint received 2023-10-02
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: NAVY FEDERAL CREDIT UNION (WA)

My mother applied for a credit card on my behalf that I was in aware of during the opening of my account XX/XX/ leaving a hard inquiry. Recently my mother was looking into a potential co loan with Navy Federal, and the they ran my credit as well XXXX. Both inquires were unauthorized and Ive reached out to both Navy Federal and XXXX to inform them of the inaccuracies.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXX/XX/XXXXwhich falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XX/XX/XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. XXXX XXXXXX/XX/XXXXAccount number XXXX {$7800.00}XX/XX/XXXX pay line of credit Account number XXXX {$2000.00} XXXX XXXX XXXX XXXX account number XXXX {$14000.00} XXXX XXXXXX/XX/XXXX account number XXXX Amount XXXXXX/XX/XXXX Account number XXXX Bal {$850.00} XXXX account number XXXX balance {$3800.00} XXXX XXXX balance {$2900.00} XXXX account numbe XXXX balance XXXX XX/XX/XXXXXXXX balance XXXX XXXXXX/XX/XXXX XXXX Account numbeXXXX XXXX balance {$320.00} XXXX XXXX XXXX account number XXXX balance {$1100.00} XXXX XXXX XXXX XXXX XXXX balance XXXX
Consumer complaint received 2023-04-17
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-17
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. (GA)

They have several names that are not mine several addresses that Ive never lived at my Social Security number is wrong, and an account on. There is not mine XXXX XXXX  does not belong to me.
Consumer complaint received 2023-04-17
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. (MD)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX Updated : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$770.00}, XXXX XXXX  Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$410.00}, XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( 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 2023-04-17
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. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX Balance : {$6500.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$1600.00} ; XXXX XXXX XXXX XXXX : {$590.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX {$6500.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX  ( Original XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1600.00} XXXX XX/XX/XXXX.
Consumer complaint received 2023-04-17
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. (CA)

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$250.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$320.00} ; XXXX XXXX XXXX XXXX Balance : {$390.00} ; XXXX XXXX XXXX Balance : {$950.00} ; XXXX Inquired on XXXX XXXX, XXXX XXXX
Consumer complaint received 2018-05-20
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

Wrote Chex system a letter to remove accounts that did not belong to me. Removed some accounts but left XXXX XXXX, which I never had a account with them. Said it was verified but never told me on who they spoke to, and not other information
Consumer complaint received 2018-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My address is XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. I have sent out three letters stating the other addresses on my credit reports are inaccurate. They refuse to remove them, I have also contacted companies who said they have reported to XXXX, Transunion and XXXX, but they still insist on not removing the addresses. Last letter dated XX/XX/18, my third try, I will act on suing them
Consumer complaint received 2018-08-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

I spoke with a representative with Freedom Mortgage Corporation  who advised that the company does not permit account holders to initiate or make payments through its online payment portal, other than the exact amount equal to the monthly loan payment. This representative advised one of the alternative methods is if the consumer/account holder initiates a payment through their customer service number, yet is assessed a fee. I believe that this company 's policy only impedes consumers/account holders from making multiple payment, and is detrimental and burdensome to its account holders. Additionally, the archaic online payment system is simply abnormal business practice. Banks and consumer credit card companies maintain online payment portals that allow its consumers/account holders the ability to issue 1 or several payments in real time, or scheduled in advance.
Consumer complaint received 2023-07-01
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (CO)

On XX/XX/XXXX there was an unauthorized charge of {$2900.00} on my debit card. I filed a dispute with the bank, had to continually follow up with them in order to get any feedback, and then was told that they were closing my dispute because they werent sure how to charge back to the vendor. I responded and told her she had to simply state that I didnt authorize this transaction. I then also asked for them to provide me a copy of the transaction to see who signed it- they couldnt. Initially the dispute was to be reopened when I gave them a reason to charge back- however it would not show open in my checking account online ledger in order to do redisoutw. Today I was told they closed the dispute and I cant re submit a dispute. I would like to know how they investigated this manner when I did not sign any receipt nor even authorize this transaction! They took nearly {$3000.00} from me that I need in order to provide for my daughters back to school items and other necessities. Please help!!
Consumer complaint received 2018-05-20
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Waypoint Resource Group, LLC (FL)

This company does not have permission to place a collection on my credit file, nore do I have any accounts with a XXXX XXXX and never have. I received a very obscene phone call from a person by the name of XXXX. He told me I have a debt come XXXX XXXX and I needed to pay him {$500.00} now over the phone this call was onXX/XX/2018 and if I didnt then he would place it on my credit. I told him that I DONT or have I never had any accounts with that company. I advised him that he would need to send me proof and he then he disconnected the call. I woke up the next day with a notification stating this company has placed a debt on my credit file and the date was opened in XXXX. I have spoken with a attorney and it has been determined that this company has illegally placed a debt on my credit and it needs to be removed.