davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-14
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

Home loan initially went into default and was sold to a debt collection agency. Filed bankruptcy to prevent the foreclosure process. While in bankruptcy, a loan refinance was initiated, filed and approved by the bankruptcy court. Payments for the original loan amount were still being made despite the reduced, approved amount. The closing process lingered for months. Payments were stopped due to such to where the debt collector initiated a foreclosure process. A different bankruptcy attorney was reached out to and a closing was finally initiated. An additional and approximately XXXX XXXX  plus attorney fees were added to the modified loan. The bankruptcy has now been paid off, but the home loan is currently being paid on with the same debt collector.
Consumer complaint received 2023-04-20
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. (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. Please delete the accounts : XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$7200.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$25000.00}
Consumer complaint received 2023-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

on XX/XX/2023 I requested a reconsideration of a denial to t new application that I made for a separate business credit line. While i requested that I made mention that we are a woman owned small business that has generated consistent deposits on my checking account, I have never made any late payments and kept the account limit decent. a few hours later I received an email stating that my credit card account was closed with no explanation. I had opened that account a couple years prior after giving them secured money for the credit card and converting to nonsecure card after meeting all qualifications. i feel that my account was maliciously and with discrimination closed due to mention of being a woman owned small business. I asked for a small business credit line and then suddenly my credit card was conveniently closed hours later. I have a decent credit score, business generates daily substantial deposits, I have never been late in payments, My credit card was also paid in full weeks prior. My personal credit score has not changed much since they approved the credit card years prior.
Consumer complaint received 2023-10-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

Since US Auto been closed Westlake pops up demanding money. I ask for a contract with their name on it or my original contract and they still havent showed me anything. Im paying {$510.00} a month to them and I have no paperwork. I ask for my refund on my GAP had the truck since XXXX  with XXXX left to pay truck worth only XXXX now Im so done I need to know what can I do
Consumer complaint received 2023-11-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (ID)

They did not warn that a hold would happen during the transaction and as soon I clicked send it put a hold for a week, then the date changed to later and then they did not deliver on the promised date. I have not received my {$1000.00} yet
Consumer complaint received 2023-11-14
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. (CA)

A card company duplicated inquiries to pull from my credit multiple times. Resetting the clock on the debt to remain on my credit report longer. I did not authorize this and by law technically my information was used fraudulently. 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 Every since then I haven't been able to receive credit.
Consumer complaint received 2023-11-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Since making my complaint against Bank Of America and bad business practices, for neglecting my disputes and investigating my claims and acting in my best interest against offenders committing deceptive business practices. Bank of America has only completed XXXX claims and paid them out after forcing me to withdraw my claims or risk not having access to my funds for over 45 days. Please reference complaints XXXX, XXXX. My claims were only re-opened and settled after submitting complaints to the cdpb. I had to withdraw claims totaling over {$40000.00} and they have only settled XXXX claims totaling approx. {$14000.00}. I wish my cases to be published and be heard by as many people and bank members as possible to see what this bank is willing to do to its members just simply by not wanting to continue with a fraud investigation.
Consumer complaint received 2018-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In my credit report from TransUnion, there are two hard inquiries. One is from " XXXX '' on XX/XX/2018 and one is from " XXXX '' on XX/XX/2018. I called TransUnion and they told me they were the same thing and " XXXX '' is just an acronym for " XXXX. '' TransUnion stated that I call the XXXX XXXX and get a letter stating I only have one account with them, in order for them to dispute/remove this hard inquiry. XXXX XXXX  confirmed by multiple representatives stating that I only have one account with them. I don't know why there would be two hard inquiries from TransUnion.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (VA)

on XX/XX/XXXX, I contacted I.C.Systems collection agency to inquire why are they continuing to update my credit bureau account that I owe a collection bill {$500.00} when they have been notified by XXXX XXXX XXXX that I dont owe this debt. I disputed this debt twice with the credit bureau and the second dispute, I included a copy of the email from the Office of the President of XXXX XXXX XXXX to confirm I didnt owe the debt. The supervisor from XXXX said on XX/XX/XXXX, eventhough I included a copy of the email from Ms. XXXX XXXX, Office of the President of XXXX XXXX XXXX, I.C. Systems refused to acknowledge it and said the collections is reported as accurate information on my credit bureau report. 
I called Ms. XXXX but voicemail acknowledge she is currently on maternity leave and to call customer service with no forwarding number. I researched the internet to find a number to call XXXX XXXX XXXX XXXX wireless service. They confirmed my balance is {$0.00} and that the information with I.C. Systems should not be reporting.

I asked I.C. Systems to call XXXX XXXX XXXX. I was told they are no longer in charge of the debt. I advise well how will they know I dont owe this. I even advised I was on the phone when Ms. XXXX called their company to informed them I am not responsible for this debt. The supervisor from I.C. Systems said the conversation never took place and there is no notes or documents to confirm my statement.
Consumer complaint received 2023-11-12
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: EQUIFAX, INC. (CA)

XXXX is not removing the fraudulent accounts on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And other 19 accounts XXXX XXXX
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My credit score dropped more than XXXX XXXX points due to a late payment in XXXX after having XXXX years of perfect credit. I called XXXX XXXX to figure out the cause. They said that there was one late payment in XXXX that made it drop. They directed me to call the bank and request to have it removed. I called Bank of America and they told me that I actually had 3 late payments. I told them that during those months, I had a XXXX XXXX, was graduating college, and moving out of my apartment. They told me that those were valid reasons to have those late payment reports removed. I checked my credit and it was still the same so I called XXXX XXXX and asked why my credit score was not restored. They said the bank had not removed them. I then called the bank who said they had in fact removed the payment off of my record. Since then, i have called both Bank of America and XXXX XXXX multiple times asking why my credit score has not been restored. Both companies tell me they are opening disputes to remove the charge and restore my credit and nothing has been done. My credit is still over XXXX XXXX points lower and I don't know who to call anymore to fix it or why the disputes are going nowhere.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts and inquiries : 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 2018-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (GA)

They have declined to put me under the SCRA law. All of my other credit cards did not hesitate to give me this right as a servicemember to be charged less than 6 % interest. My complaint is that JPMORGAN Chase only seeks financial gain without even trying to help their service members. I am XXXX XXXX and I requesting to have a low percent rate from Chase, as required by law. With numerous attempts to get a lower interest rate, Chase continues to decline my right. This is my last resort before I take them to court with other servicemembers and we will all seek our benefits and rights. They keep charging me stacked on interest even if I don't use my credit card! This is highly illegal. Chase is doing a lot of things not the legal way.
Consumer complaint received 2024-04-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

Good day, I purchased a house in XXXX. The originator of the loan was XXXX XXXX XXXX XXXX. This company went out of business and I started to receive correspondences from XXXX XXXX XXXX. I paid my mortgage and was having some issues with them receiving payments because I was paying cash at the bank and some monies was not being applied to my mortgage. Around XX/XX/XXXX I paid my mortgage and it was refused. I went to the bank to to find out what the issue was and they could not answer my questions. They suggested I called the corporate number. I called and to no avail was left on the phone for long periods of time. This went on for months and when I did speak to a account manager I was told that they were not sure what happened and not sure why the payment was not accepted. I explained that they are refusing my payment. months later I started to receive correspondences from another bank Carrington mtg. They stated that they are now the holders of the mortgage. I spoke to an account manager who stated that XXXX sold them the loan and that I will now have to pay them. I told them I didn't know who they were and why they were calling and writing to me. I started to receive threatening letters for foreclosure and demands for payments. I requested assistance from a neighborhood agency to help with modification and clarification. I received assistance from XXXX and in XXXX a check for over $ XXXX was sent to Carrington. Before the check was sent I had a conversation with a rep who stated I had $ XXXX remaining on my mortgage and with a $ XXXX payment and adjustments I will have a balance of $ XXXX. They received the funds and did not apply it accordingly. They sent a letter stating I still owe $ XXXX. i asked how the funds were applied and if I could speak to a manager to get some adjustment. I was told that the Manager was not available. I receive correspondence saying the manager can not reduce the payments or change the way the funds were applied. I am writing because I have no where else to turn. I spent my who childhood and youth working so that I can have a piece of the American dream and now it's being ripped from me. I need assistance as soon as possible to stop this foreclosure and thievery.
Consumer complaint received 2023-11-13
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/2023, I disputed a charge of {$150.00} - details below. Capital One sent a message to me that it was providing a provisional credit, an agent would review the dispute and contact the merchant, and would notify me of the merchant 's response. Capital One did NOT request any information from me, other than what I told Capital One when making the dispute. Today, XX/XX/XXXX, I received a letter dated XX/XX/XXXX from Capital One that it had " requested information from you. We have not received your response ''. It never contacted me for additional information. Nor has it notified me of the merchant 's response. In fact, it appears that Capital One did NOT contact the merchant about my dispute. But, rather Capital One CRIMINALLY and FRAUDULENTLY dismissed my dispute without ever investigating it. Capital One refuses to deal with me further and demands payment of the disputed charge. The dispute is that I notified the merchant, XXXX XXXX, on XX/XX/XXXX NOT to renew my policy on XX/XX/XXXX. It confirmed a non-renewal for the renewal date XX/XX/XXXX. Earlier on XX/XX/XXXX I cancelled Auto Pay. When I complained to XXXX about the unauthorized charge, XXXX confirmed in a saved chat that it would refund the charge within XXXX days and in the same form - credit card- as charged. Had Capital One actually contacted the merchant, XXXX would have disclosed this information and not contested my dispute. Capital One is STEALING {$150.00} from me.
Consumer complaint received 2023-11-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALPHA MIDCO INC (TX)

Over a year ago I went to the emergency room, upon being released I talked with the front desk and they were able to waive my charges due to my financial situation. Over a year went by and I noticed a collection on my credit report for {$820.00}, I called the company and they claim it was related to medical bills from a year ago. I never received any bills from the hospital, in fact I have paperwork showing I have {$0.00} balance. I called the company again after trying to distthe charge with my credit company for months and now they say there is a second collection of over {$2000.00} alongside the {$800.00}. They will not remove this from my credit report and want me to make payments to them.
Consumer complaint received 2023-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX XXXX XXXX whose reporting a collection amount of {$2000.00}. This collection agency is performing unfair practices, in which this keeps the account reporting as open/ current and does not display a closing date on my credit report. This debt also exceeds the statutory limit for the state of XXXX XXXX, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from Transunion, XXXX, and XXXX respectfully. Thank you in advance for your attention to this matter.
Consumer complaint received 2023-11-13
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I went to Bank of America located on XXXX XXXX XXXX XXXX ca, to cash a bank of america settlement check. I was denied because the check was {$5000.00}. I was told they only cash up to {$4000.00} for non-members. This was a Bank of america check. I was not asked to open up an account either. My sister who works for the FDIC formerly worked for the federal reserve said they were obligated to cash their own check.
Consumer complaint received 2023-11-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: TRUIST FINANCIAL CORPORATION (GA)

XX/XX/2023 - Good day, I just found out that Truist/a.k.a Suntrust Mortgage Company has placed my 2nd mortgage that they are servicing on foreclosure. I tried to call them twice today, to find out how to bring the account current and if they could provide me with the payment to be made to reinstate the account, as well as providing a payoff quote. The first representative I spoke to informed me that they could not give me the amount to pay to bring the loan current, and to call their attorney who will have to add their fees and let me know how much to pay them. I expected my mortgage company to have that information and not run me around to get the amount to reinstate my account or pay it off if I choose to do so. This bank has proven difficult to work with from the start, when I tried to modify this loan with them. I submitted an application long ago, which they lost and wanted me to submit another one. I have family members going through terminal illnesses that I have been dealing with, and just couldn't deal with them running me around. I had to borrow money to try to reinstate this account, and they are still doing the same thing. I even asked them to provide a pay off quote as well, which they could not do. The second representative I spoke to, gave me a figure which does not correspond with the figure I saw on this lender 's current loan statement for this month, which they had sent to me. She then told me to contact their attorney, after giving me the quote, which tells me that what she quoted is not right. My first mortgage is current, and when I called them, they told me they are not aware that this lender is trying to foreclose on my property. I feel frustrated in trying to deal with them and assume this as part of their tactics that they use to take people 's properties from them. I would really appreciate your assistance in this matter. Thank you.