davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

I have sent 2 certified written request to Equifax regarding that they remove unauthorized on my credit report regarding XXXX  XXXX Bankruptcy. All the other credit reporting agencies removed this item, but cause all of the information on all 3 bureaus were incorrect. 
My first letter was sent out of XX/XX/XXXX with required evidence stating that the courts did not supply or authorized this information to be put on my credit report. 
On XX/XX/XXXX Equifax in a letter stated it was verified, but yet I submitted the credit report showing that XXXX and XXXX had removed this unauthorized information. 
A second letter on XX/XX/XXXX was sent again request for a reinvestigation with a more current credit report. 
On XX/XX/XXXX I received a letter from Equifax still stating their information has been verified by the Bankruptcy court, when again the Bankruptcy court letter clearly states this is not their normal business practice, not gave them this such authorization
Consumer complaint received 2024-02-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX , NJ XXXX ( XXXX ) XXXX XXXX Social Security : XXXX Bank of America , N.A . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Rescinding Signature, Access to Applications, and Card Reopening Dear Bank of America , I hope this letter finds you well. My name is XXXX XXXX, and I am writing to express my concerns regarding my credit card applications and their associated information held by your company. 

As a holder in due course, I am invoking my right to rescind my signature on applications containing my non-public personal information, including my Social Security number. Given my decision to no longer engage in business with your company, I am uncomfortable leaving such sensitive information in your possession. Denial infringes upon the Uniform Commercial Code ( UCC ) and contract law. 

In light of this situation, if it is not feasible to provide the authoritative copies of the applications, I request an alternative resolution. Specifically, I propose that you reopen all of my cards and place them in an opened-end status with no preset limit, accompanied by an automatic monthly discharge. 

I believe that this solution would address my concerns while still aligning with the legal and contractual obligations involved. I appreciate your prompt attention to this matter and your cooperation in finding an amicable resolution. 

Thank you for your understanding. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (FL)

I have fallen behind on my payments due to having XXXX and being out of work. I am receiving 4 to 5 calls a day with 3 voicemail a day and this is 6 days a week. So on average I'm receiving over 20 calls a week. The voicemail is a general voicemail that others have access to where they have left specific voicemails as to who they are amd that they are trying to collect a debt.
Consumer complaint received 2024-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX Bank of America issued a payment to XXXX XXXX XXXX in the amount of {$75.00}. Funds were taken from my checking account under their bill pay program to pay my creditor/Payee. On XX/XX/XXXX I received notice from XXXX XXXX XXXX they never received payment and charged my account {$29.00} for a late fee. I immediately sent an inquiry to Bank of America to investigate. I received an email today they tried to call me and put me on the line with XXXX XXXX XXXX. This is a complete fabrication! I never received a call. In addition, the cell phone listed in my profile has not changed since XXXX. I've been a client of Bank of America since XXXX.
Consumer complaint received 2024-01-10
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

Good morning this bank Synchrony closed my JCPenneys account. I never asked them to close my account. I had faxed them an about accounts that was closed on my credit reports, and I wanted them to remove those accounts from my credit report. One of them was not a JCPenneys account so that one was put in wrong, on my letter and they should have seem that account number was not a jc penny account. Ive been calling the number and they would keep on telling me that they do an investigation. I have sent them copies of my credit report so they can see that that account number thats on my letter for JCPenney is not their account today I called and the supervisor says they dont see none of my papers that Ive been faxing to XXXX. If they didnt get my papers, they have removed the QVC which you see on my letter off my credit report and they removed the XXXX XXXX my credit report, but instead of removing JCPenneys off my credit report, they closed my account and all I want is my account reinstated because I never told them to close my account. I told them that on my credit report those accounts was closed which you will see because Im sending a copy of the letter that I sent them also, I have sent them credit reports so they can see that that account number was not a JCPenneys account, thanks PS never close my JCPenneys account. Only thing I said is removed from my credit report.
Consumer complaint received 2024-02-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (MD)

I am aware of my rights under the Health Insurance Portability and Accountability Act of 1966 ( HIPPA ) to safeguard my medical information from third-party disclosures. Regrettably, I do not recall granting permission to XXXX XXXX XXXX XXXX or any other part to release my medical information. 

I request all documentation as indicated in the attached documents.
Consumer complaint received 2024-01-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX I instructed Bank of America to pay my credit card company, XXXX XXXXXXXX XXXX XXXX XXXX, {$26.00}. Bank of America failed to do so in a timely manner. I was forced to pay {$61.00} to the credit card company directly due to Bank of America 's negligence. I have been a customer of BofA since XXXX with the same cell the Fraud Department calls with suspicious activity. There is no reason why I can not be reach by this department. They have failed to respond to me via cell and email.
Consumer complaint received 2024-03-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (MI)

This item appeared on my credit report. I was never notified of this, I have no contract with this company. I am requesting copies of all transactions and verification of said account. Also, I demand a copy of the certified return receipt from the USPS with my name, address, and proof of signature. I also am requesting all proof of this company 's licensing and bonding information. I also require a copy of the original purchase agreement between them, and whoever they bought it from.
Consumer complaint received 2023-12-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma (KY)

Starting in 2021 up til now, to work on my credit, credit karma would claim that I have outstanding odds to recieve a credit card approval, then I go and apply for it just to be denied and my credit drop and for them to send me a letter of denial and email pertaining it.
Consumer complaint received 2024-02-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SUN LOAN COMPANY INC. (MO)

I was assaulted and Discriminated against when I went into refinance my loan. On Friday XX/XX/year> I went into Sun Loan Company in XXXX Missouri to refinance my loan and I was greeted by XXXX XXXX who gripped my hand very tight once she realized who I was. She told me that if she was going to refinance my loan that I needed to make my payments on time because she's tired of chasing me down. She then proceeded to tell me that I only came into the office because " you just want the money ''. She then stated that, that's why she called me into the office to humiliate me, which is what she did the entire time. I told XXXX the customer is always right and can she chill out, she then told me that I needed to chill out, she is talking so loud that her other coworkers are now listening in by the way. I told her that my husband is a Pastor and that there is a certain way that you talk to people, XXXX told me that she know who my husband is and since I'm a Pastor 's wife I need to be making sure my payments are made on time. I told her she should have asked me what's been going on in these past 2 years that has caused me to get behind instead of yelling at me, I told her I had XXXX kids ( my 7 month old was in the office with me ) in the past 2 years. She then continued to yell at me about how I didn't call the office and let them know about me having children, I told her she is being very disrespectful and rude, she kept her same nasty tone, and now my hand has been hurting off and on daily. Mentally I am broken. She also contacted a co worker outside of work hours to further discuss me and my personal business. This has to be stalking at some point.
Consumer complaint received 2024-01-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

on XX/XX/23 I send letters to Transunion requesting incorrect items on my credit report to be addressed and as of todayXXXX I still have not heard anything back. 
FCRA states they are to respond within 30 days and I have received nothing meanwhile my incorrect credit still stands. 
This also is my second complaint about this same matter.
Consumer complaint received 2024-01-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I checked my credit reports from all three bureaus on XX/XX/XXXX, and I noticed inaccurate information being reported on my reports. According to the US 1581, i All the information on my reports must be accurate, or you must delete these accounts and data from my reports. The following accounts are not reporting accurately not XXXX XXXX XXXX is reporting 30 days late on XX/XX/year> for Transunion and XXXX but paid on time to XXXX XXXX 
XXXX is showing late XX/XX/year> for XXXX but paid for Transunion, and late XX/XX/year> on Transunion but paid for XXXX. How can this be? There is a violation here, and this needs to be deleted, as I was never late on these accounts. I will also be filing a lawsuit against Transunion XXXX and XXXX unless these accounts are made right to show paid on time.
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MA)

Validation letters were sent out to Wells Fargo on XX/XX/2020 certified mail and was received on XX/XX/2020. The FDCPA states the company must cease collection activity until you have produced verification of the alleged debt if so requested. Im sure you are aware of the consequences in violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. But today XX/XX/2020 the auto loan account on my credit was charged off or closed.
Consumer complaint received 2023-10-03
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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : 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 2023-04-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FULTON FINANCIAL CORPORATION (VA)

Fulton collected {$1700.00} as initial escrow funds for my account. 
Fulton charges me {$440.00} every month to fund my escrow The statement says escrow ( taxes, insurance ). Every email I have from them says insurance + taxes = escrow. 
Their excel sheet used to agree on the amount shows hazard insurance and taxes. 

Fulton refused to pay my home insurance claiming it is not their responsibility.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-01
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (TN)

I applied for a XXXX loan that attached my vehicle for XXXX  back in XXXX with One main financial group here in XXXX  I was quoted that I was approved for {$12000.00} but I only got XXXX because I'm an XXXX XXXX I got less because I didn't have a check stub. and I was stuck with over XXXX in interest fees that I'm still paying.
Consumer complaint received 2024-02-18
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Onity Group Inc. (TX)

My previous loan terms with PHH mortgage prior to requesting forbearance assistance due to COVID-*under Cares Act-initial interest rate 2.875 % with mortgage payment of {$1400.00} loan maturity date XX/XX/XXXX, loan balance {$310000.00}. 

I requested forbearance on my existing loan in XX/XX/XXXX and requested to resume payments in XX/XX/XXXX. During the forbearance period I was unable to make any payments- ( see attachment from payment portal ) even though the PHH confirmed I could make payments during forbearance. It took several months to process the modification and finally I was approved and received the loan modification terms- ( only 1 option available ).

PHH proposed my new term : New principal balance $ XXXX ( original loan amount was {$320000.00} at time of purchase in XXXX ) : Interest bearing principal balance- $ XXXX ( VA loan guaranteed {$94000.00} ), interest rate 7.125 % - ( previous interest rate 2.875 % ), loan payment {$1700.00}, maturity date XXXX ( 5 YEARS ADDED TO LOAN TERM- {$100000.00} ) - This appears to be in violation of the Fair Lending Act and PHH failed to offer ALL products available- ( only1 option offered ) and under the VA Loan-the mortgage provider can not ask for the lump sum payment- ( which this was the only option offered I am a XXXX veteran and a XXXX XXXX ( XXXX  ) and contracted XXXXXXXX XXXX XXXX during the pandemic. I suffered a financial hardship during the Covid Pandemic. PHH approved my mortgage forbearance in XXXX ( NOTE I WAS NEVER ABLE TO MAKE ANY FULL/PARTIAL PAYMENTS DURING FORBEARANCE PERIOD-SEE ATTACHMENT FROM PAYMENT PORTAL ). Programs like the CARES Act were put in place to assist individuals financial impacted by the COVID pandemic and to prevent further financial hardship. 

I requested a forbearance for 12 months- ( approx. {$18000.00} of mortgage payments ) PHH is practicing predatory lending practices by seeking financial gain due to the COVID pandemic. PHH proposed an increase in my interest rate- ( partial amount due to VA guaranteed loan ), increase in mortgage payment, and ADDED 5 YEARS TO THE LOAN- ( TOTAL {$100000.00} ). THIS IS THE ONLY LOAN PRODUCT PHH OFFERED WHICH INC
Consumer complaint received 2024-01-28
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: VEROS CREDIT, LLC. (CA)

VEROS CREDIT XXXX XXXX ACCT XXXX I CALLED VEROS CREDIT TO HANDLE ACCOUNT THAT THEY HAD WITH ME BUT THE LIE ON THE CREDIT REPORT ON THE OPEN DATE AND CLOSED DATE I REQUEST PROOF OF CONTRACT WITH THE ORIGNAL HOLDER NOR SOLD OF THE CAR APPRISEL AMOUNT WHEN THEY SOLD THE CAR THE CONTRACT WAS OPEN 2016 THE HELD THE ACCOUNT UNTIL The exact length of California 's statute of limitations depends on whether the debt is based on a written contract or oral promise. In the case of a written contract, the statute of limitations is four years. But if it is an oral promise, the limitation period is just two years. WHICH VEROS VIOLATED MY RIGHTShe statute of limitations on debt in California is four years, as stated in the state 's Code of Civil Procedure 337, with the clock starting to tick as soon as you miss a paymenta. The Basic Rate : The California Constitution allows parties to contract for interest on a loan primarily for personal, family or household purposes at a rate not exceeding XXXX XXXX  per year. THEY ALSO WAS VERY NASTY RULED WHEN TRYING TO SPEAK ABOUT THE LOAN AND ALSO THE CALL WAS RECORED SHE WAS CUT ME OFF IN SAID THE WRONG THINGS I WAS A CO SIGNER NOT THE ACTUALL OWNER ALSO THEY FRAUD THE APPLICATION MADE ME THE PRIMARY OWNER WHEN INDEED I WAS TOLD I WAS THE CO SIGNER BUT IT PASSED THE LIMITATION. COMPANY IS VERY RULED DIDNT WANT TO WORK IT OUT BECAUSE OF THIS IS CAUSE A HARDSHIP.
Consumer complaint received 2021-01-17
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$36000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$36000.00} -This is not my account.
Consumer complaint received 2024-01-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

My 360 Savings Account was supposed to earn a high interest rate. Capital One lowered it without warning me and also offered " Performance Savings Accounts '' at a higher rate but did not pay the rate on my existing account. 

I am outraged that for a long time, Capital One has paid me a pittance for interest. This is a bait and switch tactic. 

I must have missed out on at least {$500.00} or more of interest due to this unfair treatment by Capital One. 

I heard about a class action suit on this issue in a newspaper and would like to join this lawsuit against Capital One. Thanks
Consumer complaint received 2023-05-05
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (DC)

Wells Fargo is being accused of fraud and I been a wells Fargo customer for 12 years. 
They are using people accounts without the customers permission. That is wrong and they should be punished and look out by paying customer a share of the lawsuit