davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Bank of America has blocked my online banking since about XXXX XXXX, which has caused me to be unable to pay my bills and transfer money. I have called customer service to inquire about the reason. I was told that the new cellphone number that I updated on XXXX XXXX could not be verified, and could not be used to receive their verification code. They insist that I have to visit their branch to verify my identity, even though I have explained that I am not in the US and will not return in the short term. 

My new cellphone number is currently working well abroad. When I tried to update my phone number on XXXX XXXX, I was able to receive the verification code sent by their system, which is why I successfully updated my cellphone number. I do not understand why they blocked my online banking for fraud reasons. They should have informed me of the consequences of updating my cellphone number in advance, but I did not receive any warning. 

I believe that they have a lot information about me to doing verification over the phone with me rather than ask me to flight to the US.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Dear XXXX, I am writing to dispute the inaccurate payment history reported for my Capital One Auto Finance account. According to my records, the account, which was opened on XX/XX/XXXX, and closed with a status of " XXXX in XXXX '' for an amount of {$11000.00}, was incorrectly reported as having late payments from XX/XX/XXXX to XX/XX/XXXX. The original loan balance was {$18000.00} with a payment term of 74 months. 

The inaccuracies reported on my credit report violate several provisions of the Fair Credit Reporting Act ( FCRA ), specifically : XXXX U.S.C. XXXX ( b ) - This section requires that credit reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of information in credit reports. The incorrect late payment history does not comply with this requirement. 

XXXX XXXX. XXXX - This section mandates that when a consumer disputes information on their credit report, the XXXX XXXX XXXX must investigate and correct any inaccuracies. The incorrect late payments should be investigated and rectified. 

XXXX XXXX. XXXX ( XXXX ) - This section defines a credit account and requires accurate reporting of the account status. The erroneous late payments misrepresent the accounts payment history and thus violate this provision. 

XXXX XXXX. XXXX - This section outlines the responsibilities of furnishers of information to provide accurate information to credit reporting agencies. The late payments reported from XX/XX/XXXX to XX/XX/XXXX are inaccurate and should be corrected by the information furnisher, Capital One Auto Finance.
Consumer complaint received 2024-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Southwest Credit Systems, L.P. (VA)

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTENINSTRUCT of the consumer to whom it relates. I NEVER gave any consumer reporting agency the permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT.As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY!

Ive submitted proof of Identification card, Social Security card AND FTC AFFIDAVIT proof of address These Fraudulent ACCOUNTS Should not be furnished on my consumer report as they are in VIOLATION!!! OF MY CONSUMER RIGHTS LAW CODES .15 U.S Code 1681b, 15 U.S. Code $ 1692c
Consumer complaint received 2024-08-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lloyd & McDaniel, PLC (FL)

I owe XXXX XXXX money for a credit card I used and was unable to continue paying in 2023 when I was left without work for about a year. I tried on several occasions to make a payment plan and XXXX XXXX refused it each time and would not accept any installment I tried to make. I was not even asking for a lowered settlement amount. I asked for a lower monthly installment for 12 months while I got back on my feet and then we can establish a different payment plan that suited both parties better. XXXX XXXX refused. onXX/XX/2023 ( I have a copy of the letter date and time stamped ) I wrote XXXX XXXX and asked them to please accept $ XXXX month to start paying off my credit card debit and this time they did not even respond. Now I find out through 3rd party attorneys that are contacting me to let me know that attorney Lloyd & McDaniel file a lawsuit against me without notification or contacting me. This is the actual first time I have ever heard about this attorney. In addition to this, I fianlly call XXXX XXXX today and after XXXX calls they finally go tme the correct phone # for the attorney in question and when I called they said there is no one to answer the calls. it has been like that all day and no one responds
Consumer complaint received 2024-03-06
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: Aspen Yo LLC (MA)

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the recent communication and actions taken by [ Lender 's Name ] in regards to my mortgage situation. 

As you are aware, I have diligently attempted to explore options for reinstating my mortgage or obtaining a loan modification to alleviate the financial strain I am facing. However, the solutions provided by [ Lender 's Name ] have been both unexpected and challenging to manage. 

On XX/XX/XXXX, [ XXXX ], I was informed that my only option for reinstating my mortgage was to pay a lump sum of {$26000.00}. This proposition came as a significant financial burden, and despite my efforts, I found it challenging to meet this requirement within the given timeframe. 

Subsequently, [ Lender 's Name ] initiated a loss mitigation process, offering a glimmer of hope for a more manageable resolution. However, the recent development of presenting an alternative solution, requiring a lump sum payment of {$27000.00} by XX/XX/XXXX, has left me feeling overwhelmed and uncertain about my future. 

Throughout this process, the correspondence received does not align with the verbal discussions we have had. I feel disheartened by the lack of clarity and consistency in communication, which has added to the stress of my situation. 

As a dedicated homeowner who values the importance of fulfilling financial obligations, I am reaching out to request a more empathetic and collaborative approach to resolving this matter. I kindly ask for transparent and detailed information regarding the available options and potential alternatives that may be explored. 

Furthermore, I urge Gregory Funding to consider extending the deadline for the lump sum payment, allowing for a more feasible timeframe to gather the necessary funds. This gesture would provide much-needed relief and demonstrate a genuine commitment to supporting customers during challenging times. 

I appreciate your attention to this matter and kindly request a prompt response to discuss potential solutions further. Thank you for your understanding and cooperation. For there is a sale date of XXXX XXXX
Consumer complaint received 2023-07-03
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. (GA)

Trans Union, XXXX, and XXXX credit bureaus refuses to remove inaccurate, unverifiable, and fraudulent consumer information from my credit report even though I have submitted documentation that proves the account is inaccurate, unverifiable, and fraudulent. I have submitted my valid identification, identity theft report submitted to the FTC, Documentation submitted from the XXXX XXXX  providing information that the vehicle reported is unregistered and associated to someone else with a different name and birth date other than myself. This account being reported also does not have my written instructions to have opened an account with the consumer XXXX XXXX XXXX and Trans Union, XXXX, and XXXX refuses to delete this account from my report.
Consumer complaint received 2024-02-06
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (MI)

On XX/XX/2023 I purchased 6 cards at XXXX in XXXX, Mi. The cards were purchased with cash at self-checkout ( I have the receipt ). Something went wrong with loading one card so the cashier took that card off the transaction. I ended up paying 5 cards in one transaction and 1 card in another transaction. None of the cards work when I try to try activate them. When I call Netspend they tell me to take the cards to XXXX because they were never loaded. When I go to XXXX ( been twice now ) they say they have been loaded. I called XXXX customer service and they confirmed with each card that money is on them and to contact Netspend. XXXX confirmed with each card ( 4 having {$50.00} on them, and 2 having {$100.00} ) that the money was loaded and to call Netspend. Call Netspend and they send me back to XXXX. I am going in circles at this point and need help. Case number is with XXXX is XXXX. XXXX receipt number is XXXX XXXX XXXX XXXX. XXXX phone is XXXX. Cashier was XXXX. I do not have the second receipt for the purchase of the one additional card but it was purchased right after this transaction and it loaded on my XXXX rewards account that has proof of purchase.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-03-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

On Monday XX/XX/2024 I received a phone call from " Wells Fargo '' per the caller ID. 
I was concerned there was an issue with my account so I took the call. The gentleman on the line to me there was attempted fraud of {$17000.00} on my account. He would work with me to reverse the issue. The caller for one called with Wells Fargo on the caller ID and knew that I had a Wells Fargo bank account. He walked me through various steps on the mobile app that I was not aware even existed. All of a sudden the call dropped. I called back Wells Fargo at the same number that called me. They advise that there was {$3900.00} wired out of my account. They opened a fraud case as I was flipping out at that time. They told me not to worry, they would open a fraud case. That amount taken would wipe out my bank account while I had already sent my payment for my car and mortgage. 
My boss gave me a check from his account for {$4000.00} to cover my account while the bank worked on getting my funds back. The next day, I see the check had not cleared and I was advised that they were holding the check due to the signature for one full week. I called the bank on that day and the next. I filed a complaint with the bank and was advised I would hear back within 2 business days. A week later I still never heard anything from my bank regarding the complaint. I called again to have the fraud case expedited and was then told they closed the fraud case two days later. They are not refunding anything. They have no fraud protection for their customers. I will be changing banks as soon as I receive my taxes as they are going to that account. I truly feel the fraud was inside job as stated they called from Wells Fargo and knew about my account with them. I would appreciate any assistance as I work paycheck to paycheck and Wells Fargo could care less about their customers. I can not afford to just throw away {$3900.00}. I have not heard anything back from the bank and they can care less. I was advised the same thing happened to someone else in my community and they did get their money back. This is not the first time that Wells Fargo has not assisted with fraud and or XXXX XXXXssues. Again, if they are not going to stand behind these issues, they should not offer those services. I would really appreciate any assistance.
Consumer complaint received 2024-02-11
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: Experian Information Solutions Inc. (GA)

I, XXXX XXXX XXXX intend to initiate civil monetary penalty proceedings against XXXX XXXX  XXXX and Experian pursuant to 15 U.S. Code1681s2 for furnishing information with actual knowledge of errors and for reporting inaccurate and incomplete information with violations which may constitute a pattern or practice of noncompliance.

This message serves to request a manual review of the evidence and if shown to constitute and unfair or deceptive act or practice in commerce to escalate this issue for enforcement by the Federal Trade Commission.

Thank you
Consumer complaint received 2024-04-26
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. (MO)

Dear Sir/Madam, I am writing to formally request the deletion of certain remarks from my credit report maintained by your agency, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e . 

It has come to my attenion that there are inaccurate and damaging remarks on my credit report, which have adversely affected my creditworthiness and financial standing. These remarks are [ describe the remarks in detail, including any inaccuracies or misleading information ]. 

I would like to emphasize that these remarks are not only incorrect but also violate the provisions outlined in 15 USC 1681e of the FCRA, which requres consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. 

Furthermore, I am exploring legal options to address this matter, including the initiation of a lawsuit if necessary. Please consider this letter as formal notice of my intent to pursue legal action if the inaccurate remarks are not promptly removed from my credit report. 

I kindly request that you investigate this matter promptly and provide me with written confirmation of the deletion of the inaccurate remarks from my credit report within [ specify a reasonable timeframe, such as XXXX days ] from the date of this letter. 

Failure to comply with this request will leave me with no choice but to take further legal action to protect my rights under the FCRA. 

account-XXXX XXXX XXXX Update status on dates followed to current status. 

Dates : XXXX Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the deletion of the inaccurate remarks from my credit report.
Consumer complaint received 2024-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TRANS UNION ATTEMPTED TO STATE THAT THE DOCUMENTS I SENT TO THEM DID NOT COME FROM ME BUT CAME FROM A THIRD PARTY. HOWEVER THAT ASSUMPTION WAS WRONG AND INCORRECT. ALL DOCUMENTS SENT VIA US MAIL AND ONLINE COMPLIANT FROM CFPB WAS DID BY ME.
Consumer complaint received 2024-03-12
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

in Short- i applied for a XXXX XXXX through Bank of America , i went back and forth with them and all my available documents, they approved the loan. After finding out XXXX contractors are not allowed in calculations, i paid out the received funds ONLY per XXXX rules. im being denied by XXXX as they say i never should of received the loan. I had to certify with Bank of america that i in fact PAID XXXX contractors, its in their application, which according to one of the XXXX judges, is a modified XXXX form, not the actual XXXX XXXX form. 
im being denied as if i did something wrong, short of including XXXX pay in my calculation which BOA approved, i FULLY paid out the funds 100 % per XXXX Guidelines Hello, i Truly need your Help, My name is XXXX XXXX and I'm the owner of XXXX XXXX XXXX XXXX out of XXXX CT. I filed for a XXXX loan and it was approved by Bank of America in XXXX of 2020. 
i Filled out the Banks application and provided them with all supporting documents, after some back and forth they finally Approved the loan. 

Fast forward, I submitted the forgiveness and am being Denied as i included XXXX contractors in my calculations- ( Which the Bank asked me to Certify-in there XXXX ). 

upon finding out that XXXX people were disallowed, i paid out all received funds PER XXXX Rules, i followed 1000 %. 

I am being Denied as XXXX states I never should have received this loan, This falls back to Bank of America, now im facing Financial hardship as I shouldn't have to pay this back, this is sinking me and I'm at the end of my road. I have re appealed the XXXX, filed a complaint with senator XXXX and XXXX also sent requests for help to XXXX law Firms as this is XXXXriminal and morally Wrong. All I did was what I was supposed to, following the form, submitting docs and paying out. I should not be penalized for this ... .. Bank Of America also has a class action Lawsuit in CA over this same exact issue, The bank falsey approved loans, collecting their processing fees and not caring if they were causing more harm than good. This is Criminal and they need to be held accountable..

in Short- I applied for a PPP loan through Bank of America , I went back and forth with them and all my available documents, they approved the loan. After finding out XXXX contractors are not allowed in calculations, I paid out the received funds ONLY per XXXX rules. I'm being denied by XXXX as they say I never should have received the loan. I had to certify with Bank of America that I am in fact PAID XXXX contractors, it's in their application, which according to XXXX of the XXXX judges, is a modified XXXX form, not the actual XXXX XXXX form. 
im being denied as if i did something wrong, short of including XXXX pay in my calculation which BOA approved, i FULLY paid out the funds 100 % per XXXX Guidelines
Consumer complaint received 2024-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL (OK)

I signed up for an Amazon Store Card issued by Synchrony Bank. Although I provided correct information, they set my account up under XXXX XXXX ( as First Last ) as opposed to XXXX XXXX. My full name is XXXX XXXX XXXX. This caused me to be unable to access my account. After contacting customer service for assistance, they failed to follow up with me in any way. Some days later, they added a phone number to my account as a form of Two-Factor Authentication that is in no way related to me : I was thus then even moreso completely unable to access my account. 

Some months later they closed my account after assessing penalties against my security deposit that I was in no way responsible for, nor able to rectify in any way despite multiple attempts with their customer support. 

This has negatively impacted my credit score. 

Their practices do not conform with banking regulations regarding to Know Your Customer laws as they opened an account under someone else 's name. They also likely breached security and privacy regulations by applying an unrelated phone number to my account as an additional security measure. 

They refunded my account security deposit ( minus fees assessed ) but the check arrived months and months after its issuance date, making it unusable. Their customer service has yet to replace the check ( which is over {$700.00} ).
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've requested several times for the 30 day late payment on my XXXX XXXX XXXX account and in it's place the remark paid as agreed. I even provided them with the letter that XXXX XXXX XXXX sent me stating that my account was paid as agreed and closed. Because of this inaccurate remark it's caused my credit score to drop XXXX points. Which has caused me not to be able to get a mortgage on my home that I own outright. I have already told them that it needs to be corrected and they have not removed the 30 day late payment. The account was paid off 20 months ahead of schedule. If they don't remove the 30 day late payment and change it to paid as agreed I'm going to sue them for defamation. I'm tired of dealing with them on this.