davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (FL)

Last year the mortgage on my home was transferred from Loan Care to another servicer without my knowledge and on their initiative, not mine.

My monthly payments have ALWAYS been made on time, through automatic payment with my bank.

During the transfer process, which I was not initially notified about, a change in my payment amount was made by the lender due to an escrow review that happened at a time different from normal. I was not aware of the small increase until a month after it was initiated by the bank. 

The bank has acknowledged that they received ALL of my payments, on time. XXXX payment was a few dollars less than the payment amount, which had increased due to the bank 's review of escrow account. Instead of applying the payment during the transfer, the bank placed it in a pending status because according to them it was for less than the full amount due. At this time I was receiving multiple letters, from XXXX different lenders, every week about account status. I received XXXX notice that said I was past due. I immediately called the lender and was told the problem was nothing to worry about, that it wasn't showing up as past due, and my credit wouldn't be affected. I received another late notice and realized the loan had been transferred so called the other bank. I talked with several people and they figured out the issue with the pending payment, took my payment for a few additional dollars to get the pending payment applied, and told me there would be no issue with my credit report. 

This late payment is the ONLY late payment on my credit report and has a dramatic effect on my credit score. It needs to be corrected. My payment was never late.
Consumer complaint received 2023-07-12
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. (NC)

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 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Bank of America has unjustifiably taken just under {$2000.00} from me since yesterday and when I contacted them this morning to return it they offered an absurd explanation blaming me for paying into my account at the beginning of XXXX. They offered to send a paper check in 14 days. When I said yes return my money but I would like it immediately they ended the conversation and provided a generic phone number to call. I was not rude or volatile. I made sure to express my displeasure but kept it very civil as it is not the employees fault but the institution theyre employed by. The employee failed to perform her job function and did not submit a refund claim for money they have yet to reasonably justify taking from me. I have a reasonable suspicion this is an act of retaliation for my claim against this card last month that went unresolved.
Consumer complaint received 2024-05-07
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Office of Brett M. Borland, P.C. (TN)

On XX/XX/2021, the company known as XXXX XXXX charged an itemized list of deductions from my security deposit, resulting in a negative balance of {$550.00}. They contacted me and we reached a resolution ; the damages and resulting charges were not incurred by me, and as a result would be receiving {$1000.00} of my security deposit back. I never received this check and later was contacted by the above referenced debt collector, The Law Offices of Brett Borland. 
The account is under a different name than XXXX XXXX, rather under XXXX XXXX XXXX. I, over the course of the past year, have attempted to contact this firm and get this situation righted, but after calling and emailing, I have heard nothing other than We will call you back or complete silence, and this has affected me in many ways, most notably financially. I would like this resolved as soon as possible and get the {$1000.00} I am rightfully owed.
Consumer complaint received 2024-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

XXXX XXXX XXXX, XXXX Bank of America XXXX XXXX XXXX XXXX. 
XXXX, Nc XXXX THIS IS A COMPLAINT FOR RETURN OF SURPLUS FORECLOSURE FUNDS. 

After taking over our home loan ( Loan # XXXX ) from Countrywide, Bank of America, despite our many communications that : 1. We have a loan modification application pending with Countrywide 2. And that we are dealing with extensive XXXX XXXX XXXX in the house, went ahead and foreclosed on the house and sold it to XXXX. ( see attached foreclosure document ) For years we wondered why BofA ignored the hold on the loan as we were working out a loan modification with Countrywide. We learned recently that the house sold for more than the loan amount - substantially more. 

Bank of America however made sure to use up all the excess amount above the loan balance by tacking on misleading, inaccurate and bogus interests and fees so that there will be no surplus foreclosure funds ( that normally would be returned to the homeowner. ) This complaint is for Bank of America to return to us the excess or surplus foreclosure funds that they illegally appropriated for themselves and " stole '' from us. 

XXXX XXXX XXXX XXXX XXXX  of property at XXXX XXXX XXXX XXXX XXXX AL XXXX
Consumer complaint received 2024-05-06
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BTH Management (NJ)

On XX/XX/year> XXXX XXXX XXXX proceeded to call my ex-significant other and discuss in detail my debt with NetCredit. My ex is not responsible nor does he know anything about NetCredit. XXXX XXXX not only discuss the supposed debt with him, but also proceeded to ask my ex if he could make a possible settlement payment on my behalf. 

XXXX XXXX claims he tried to communicate with me, which I never received neither a message or call from him, so he had no other choice but to contact my ex as well as other people that were only acquaintances. At no time whatsoever did I give permission to NetCredit, XXXX XXXX, nor any other person/agency which I may have any business with to speak nor discuss of my business affairs with any of my relatives, children, or acquaintances at any time. 

XXXX XXXXNetCredit 's collection tactics and disclosure of my personal and business information have put my financial security in jeopardy and they should be fully investigated and prosecuted if need be.
Consumer complaint received 2024-01-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TRUIST FINANCIAL CORPORATION (FL)

I called my bank Truist to make a few disputes. They did not give me any disclosures regarding the disputes. XXXX of my disputes that I have proof and receipts for was denied, and I asked for Truist to reassert and reopen my dispute, and they said that they could not I believe it is my right to dispute a transaction simultaneously, they even referred me to the merchant. I filed a complaint that day they should have it in their system. Currently I do not see that they filed the new dispute that I asked them to.
Consumer complaint received 2024-01-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: OneMain Finance Corporation (WI)

I don't remember the information. But I received a loan from XXXX  main financial and they recommended me to the car lot I went to and they sold me a car with a bad XXXX. When I went back they didn't want to give me XXXX  and I was on the verge of losing my job due to that. I went to XXXX main and they were no help at XXXX  to XXXX XXXX the car they gave me was less  then the loan I was approved for
Consumer complaint received 2024-05-06
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: American Credit Acceptance, LLC (AL)

I am submitting this complaint because ACA has gave me a balance of {$2000.00} but is still reporting late payments on an account that is closed, but being reported to all XXXX bureaus that it is OPEN I have made XXXX payments of {$390.00} which total well over {$13000.00} for a vehicle with a very low market value! I am kindly asking that this tradeline that is negatively impacting my score be either removed or updated! Under the FCRA!
Consumer complaint received 2024-01-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

After viewing a copy of my report, I noticed a collection account placed on my credit report from CAPITAL ONE XX/XX/2023 in the amount of XXXX ( THIS ACCOUNT HAS BEEN PAID OFF ). First and foremost, I have confirmed that the debt collector, CAPITAL ONE is not licensed in the state of Louisiana to collect on this debt. Secondly, CAPITAL ONE, violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to CAPITAL ONE? I have never heard of them, have no written contract with them and have never received any benefits from them, yet CAPITAL ONE has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, and XXXX ) against my name and social security number and is demanding payment from me in the amount of {$310.00}. PAID IN FULL!
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

For the charged off Capital One account ( ending in XXXX ) I requested the XXXX form to validate the debt was canceled. Upon receiving the XXXX form I noticed that the account number reflecting on the form ends in XXXX my Capital One account ends in XXXX, how can this account be verified if they are ending in different account numbers? Either Capital One made the error and did not send the correct form for the proper account or they do not have one which would make the reporting of this charged off account fraudelent. I have previously disputed this account with XXXX and they verified that the investigation could not be completed due to the form having the wrong account number listed. They stated that the Capital One account number and the account number written on the XXXX form are different. So with that being said either Capital One did not send the correct XXXX form which makes this account invalid or they dont have the correct information which would make the reporting of this account fraudulent. Because the account numbers are both different by XXXX and XXXX and Capital One this means the account has not been properly verified. This account is being reported in error and must be removed from my consumer report immediately. 



Capital One - XXXX XXXX form - XXXX
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX - Sent the following to the company via certified mail and have since recieved no response : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah, XXXX CapitalOne Representative- I spoke with a representative on XX/XX/XXXX who advise me that I need to send this document into your team as well as your Fraud Department XXXX 
Below is a snippet of my credit report that reflects someone elses account that I did not authorize to be added to. I was FRAUDULENTLY added to this account without my consent and wish to have this account removed from my CapitalOne profile ( if it is still attached ) and also removed from my credit profile. 

XXXX Account # XXXX High Balance {$1600.00} Last Verified XX/XX/XXXX Date of Last Activity XXXX Date Reported XX/XX/XXXX Date Opened XX/XX/XXXX Balance Owed {$0.00} Closed Date XX/XX/XXXX Account Rating Closed Account Description Account relationship terminated Dispute Status -- Creditor Type Banks and XXXX XXXX XXXX Account Status Closed Payment Status Paid or paying as agreed Creditor Remarks -- Original Creditor -- Payment Amount {$0.00} Last Payment -- Term Length -- Past Due Amount -- Account Type Revolving account Payment Frequency Monthly Credit Limit {$1500.00} XX/XX/XXXX I again sent the following document to the company via Certified mail and have since still recieved no response : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX XXXX CapitalOne Representative- I spoke with a representative on XX/XX/XXXX who advise me that I need to send this document into your team. 
Below is a snippet of my credit report that reflects someone elses account that I did not authorize to be added to. I was FRAUDULENTLY added to this account without my consent and wish to have this account removed from my CapitalOne profile ( if it is still attached ) and also removed from my credit profile. 

XXXX Account # XXXX High Balance {$1600.00} Last Verified XX/XX/XXXX Date of Last Activity XX/XX/XXXX Date Reported XX/XX/XXXX Date Opened XX/XX/XXXX Balance Owed {$0.00} Closed Date XX/XX/XXXX Account Rating Closed Account Description Account relationship terminated Dispute Status -- Creditor Type Banks and XXXX XXXX XXXX Account Status Closed Payment Status Paid or paying as agreed Creditor Remarks -- Original Creditor -- Payment Amount {$0.00} Last Payment -- Term Length -- Past Due Amount -- Account Type Revolving account Payment Frequency Monthly Credit Limit {$1500.00}
Consumer complaint received 2024-05-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BOEING EMPLOYEES CREDIT UNION (WA)

I was scammed out of {$7000.00} and I reported it to BECU. I had to get a new account and new online profile. Scammers hacked my account and profile and XXXX XXXX account as well. I had to recreate all my accounts and reported it to the bank. BECU reimbursed me but a month later told me to pay it back in XXXX days and I told them, I was scammed but they said it doesn't matter. If I don't pay in XXXX days that they will report me and not able to open other bank accounts.
Consumer complaint received 2024-05-06
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: TRUIST FINANCIAL CORPORATION (KY)

XX/XX/year> XXXX XXXX XXXX XXXX XXXX Is Truest bank XXXX XXXX  I used their ATM Withdraw {$700.00} Machine took the money back into the machine said I took too XXXX  I went back into the bank told them what happened and they wouldn't even give me a third party who machine Who takes care of the machine ATM they will not give me the number they're keeping my money Please help
Consumer complaint received 2024-05-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: American Credit Acceptance, LLC (WI)

took out a car loan with American Credit Acceptance in XXXX. I have gotten my car repossessed a few times without notice. American Credit acceptance have not given me notices and statements about my account. They are overcharging me in fees and with the entire loan. I went into bankruptcy in XX/XX/XXXX and again in XX/XX/XXXX after my car was repossessed. I later had the bankruptcy dismissed and went back into a regular account, which at that point the car went into repossession again with a past due balance of around XXXX. I never received any statements nor documents from American credit acceptance. They claimed my account was written off and I never received a statement. I requested documents that they do not have because they claim since my balance is over XXXX days past due they dont have to send me anything. While I was in bankruptcy they never sent anything to my attorney. They canceled the XXXX and XXXX XXXX XXXX and claimed I received credit for that, and when I asked for that I still have not received it yet. They keep saying since my account is 60 days past due I cant get it. From XXXX until XXXX my car was not registered due to American Credit Acceptance registering the title in South Carolina leaving me getting ticket for non registration of vehicle, and driving while not registered. XXXXmerican Credit Acceptance sent Wisconsin the title and paid the title fee for me to re register the vehicle. American Credit acceptance told me to pay my monthly payment every XXXX weeks to bring the past due balance down, per policy. I asked them for a copy of that policy. I was told that its an internal policy and that it is not in writing. I expressed that I feel singled out and that I feel that they are picking and choosing who they are putting this type of policy in and it is not fair, and that I will be contacting equal right division. I started paying the XXXX every XXXX weeks only to call on XX/XX/XXXX when I was about to make a payment and noticed that my balance is still over XXXX. I called and was told that my payments is going to interest, but that is not what I was told. I was told that the XXXX every XXXX weeks would go towards the past due balance not the overall balance. I asked when will I go to monthly payments and they said and they said that I will never gi back I will pay every XXXX weeks until the car is paid off. This is a violation of contract and they lied to me. They do not have documentation that they have been keeping in tune with my account and is treating me different. There is something they are hiding with my account. They are also overcharging me. I need someone to look into this issue.
Consumer complaint received 2024-05-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

Since the beginning of XX/XX/2024 to XX/XX/2024, I have received a total of 21 emails from Capital one requesting payment. I called last year and closed the card and told them I would handle payment when my XXXX started ( still pending ). A total of 10 emails XXXX, XXXX emails in XXXX and so far 2 emails in XXXX.
Consumer complaint received 2024-01-16
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts, names and inquiry as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX used my credit report to intentionally lower Credit they issued for XXXX XXXX XXXXXXXX XXXX 6 months ago. I recently disputed another account that I had with XXXX XXXX..and right after that XXXXThey sent a letter stating my {$1500.00} credit with XXXX 's was dropped to {$150.00}!. I felt it was a slap in the face and done without consent to intentionally hurt my Credit score!. My credit was lower when they approved the XXXX XXXX XXXX @ {$1500.00} and now it's higher nbut they drop it to {$150.00}?. I feel my consumer rights were violated and Discrimination was used. I pay XXXX 's automatically... On XX/XX/ I paid them.Now Synchrony sends this letter they checked my credit history and dropped XXXX XXXX XXXX XXXX to {$150.00} ... knowing I only owe XXXX and so by XXXX XXXX lowering my credit limit .. my {$130.00} debt looks like I'm over my credit limit,!!!. I only owed {$130.00} when my credit limit was @ {$1500.00} ... .This has caused my hard earned Credit Score to drop. I feel it was intentional and undermining.. by XXXX XXXX because Of. Previous dispute.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (FL)

I am writing to dispute the accuracy of information contained in my credit report. Upon reviewing my report, I noticed an account from Ally Financial that has been marked as charged off and written off. I believe this information is inaccurate and should be addressed according to the Fair Credit Reporting Act ( FCRA ). 

The disputed account details are as follows : - Creditor : Ally Financial - Account Number : XXXX I am requesting that Ally Financial provide either a 1099-C form, as required by law for cancelled debts, or that the account be deleted from my credit report. The FCRA mandates that inaccurate or unverifiable information must be corrected or removed from consumer credit reports. 

I kindly ask that you initiate an investigation into this matter and provide me with written confirmation of the results. Please ensure that any inaccuracies regarding this account are rectified promptly in accordance with the FCRA. 

Thank you for your attention to this dispute. I look forward to a timely resolution.