davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I received an ad in the mail for a Bank of America credit card in XX/XX/XXXX. I decided to apply for the card online to use it for the promotional balance transfer APR. At the time of application I entered in two balance transfer requests. One to my XXXX XXXX XXXX XXXX and one to my XXXX XXXX XXXX XXXX. I was approved for the BOA credit card and received it in the mail on XX/XX/XXXX. On XX/XX/XXXX I tried to activate the credit card with the telephone electronic system but was transferred to a BOA representative. The BOA representative then told me that for some reason ( I was not provided with an explanation other than " to prevent fraud '' ) I would need to go into a BOA branch and provide XXXX forms of ID in order to activate my new credit card. I informed the BOA representative that the closest BOA branch was XXXX hours away and that I would not be able to activate my card. I then asked the BOA representative to close the BOA credit card because there is no point in having a credit card that I can not use. The BOA representative told me that I would have to go into a branch with two forms of ID in order to close the BOA card. This is a very important part here... I asked the BOA rep if my balance transfers would still go through and she said " No '', I reiterate that I was verbally informed by the BOA representative that without activating the card, the balance transfer requests would not go through. With this information, I decided to not pursue the BOA card activation any further, and planned to go into a BOA branch to close my BOA credit card the next time I am in a city with a BOA branch ( that could be 6 months to a year from now ). With the information that my balance transfers would not go through, I went into a XXXX XXXX  branch the next day and applied for a XXXX XXXX XXXX XXXX with a 0 % promotional balance transfer option. I was approved for the credit card in XX/XX/XXXX and soon thereafter I saw the balance transfers pay off my XXXX XXXX credit card and XXXX XXXX XXXX XXXX. Now, today on XX/XX/XXXX I went to review my XXXX and XXXX cards to make a monthly payment and I see that both cards have a large overpayment balance. In a review of the balance history ( and a review of my XXXX XXXX XXXX and history ) I see that Bank of America DID extend a credit balance and balance transfer to my XXXX XXXX and XXXX XXXX  EVEN THOUGH I was verbally told ( probably on a recorded line ) that those balance transfers would not go through and that I couldn't even activate my card. Because the card is not activated, I can not even get on the app to review histories. I am sure that I was also charged a balance transfer fee. I want Bank of America to close the card and recall any funds they advanced ( I feel without my permission at this time since I was told the balance transfers were not going to happen ). I want them to reverse any balance transfer fees as well
Consumer complaint received 2023-08-13
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: Experian Information Solutions Inc. (ME)

I am a natural person, I am a living human being. I have rights under 15 USC 1681. 

XXXX is govern by 15 USC 1681, And they violated my rights numerous of times. I demand the accounts listed below be removed because XXXX is govern by 15 USC 1681, And they violated my rights numerous of times. I demand the accounts listed below be removed because Experian is govern by 15 USC 1681, And they violated my rights numerous of times. I demand the accounts listed below be removed because Acording to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

Acording to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

Acording to 15 USC 1681 : I have the right to privacy and I did not give Experian written permission to furnish these accounts. 

ACCOUNTS XXXX. XXXX XXXX XXXX reported XX/XX/XXXX {$420.00} Reported XXXX XXXX limit {$200.00} You're using 214 % of your account 's limit XXXX. XXXX XXXX XXXX {$4300.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX  Opened XXXX XXXX, XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX MAINE XXXX XXXX XXXX. XXXX XXXX XXXX Last reported XX/XX/XXXX {$850.00} Open balance XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX CREDIT XXXX XXXX XXXX reported XX/XX/XXXX {$170.00} Open balance XXXX XXXX  Original creditor XXXX Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX. XXXX XXXX XXXX Last reported XX/XX/XXXX {$77.00} Open balance XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXXXXXX XXXX XXXX Report info Take a look at some options to help your score Average score improvement if you take care of a collection in the first 2 years Removed XXXX pt Paid in full XXXX pt Settled for less XXXX pt Based on XXXX XXXX XXXX XXXX members
Consumer complaint received 2017-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions (GA)

I signed a 1 year lease in  XXXX  with   XXXX   XXXX   XXXX  , shortly after the apartment were purchased by   XXXX   XXXX   XXXX   in Georgia. I remained until   XXXX   XXXX   when my lease expired and I submitted paperwork that I would not be renewing the lease. I moved and had no issues until a few months after I received a call stating that I had been sent to collections ( I received no communication from the apartment complex itself ) for the carpet being destroyed, oven not being cleaned and trash left in the apartment, with none of this being accurate. I recently checked my credit report and noticed that this had been posted, I contacted the agency,  Rent Recovery Services  and asked them to send me proof of debt which I received via email. A few things jumped out at me right away, especially since I knew their claims were false. The move in move out inspection agreement though signed off on the move in portion dated  XX/XX/XXXX , theres no sign off or documentation of the state of the apartment for the move out, which I did in   XXXX  . Also, theres no stipulations about being required to purchase replacement carpets especially after residing there for 3 years. There is absolutely no proof of their claims either by the move out agreement or pictures taken and would like all collections attempts to be stopped and removed from my credit report.
Consumer complaint received 2023-07-06
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: EQUIFAX, INC. (FL)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial XXXX when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.
Consumer complaint received 2023-08-13
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. (ME)

I am a natural person, I am a living human being. I have rights under 15 USC 1681. 

XXXX is govern by 15 USC 1681, And they violated my rights numerous of times. I demand the accounts listed below be removed because Transunion is govern by 15 USC 1681, And they violated my rights numerous of times. I demand the accounts listed below be removed because XXXX is govern by 15 USC 1681, And they violated my rights numerous of times. I demand the accounts listed below be removed because Acording to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

Acording to 15 USC 1681 : I have the right to privacy and I did not give Transunion written permission to furnish these accounts. 

Acording to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

ACCOUNTS XXXX. XXXX XXXX XXXX reported XX/XX/XXXX {$420.00} Reported XXXX XXXX limit {$200.00} You're using 214 % of your account 's limit XXXX. XXXX XXXX XXXX, {$4300.00} Open balance XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX Opened XXXX XXXX, XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX MAINE XXXX XXXX XXXX. XXXX XXXX XXXX Last reported XX/XX/XXXX {$850.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX CREDIT XXXX XXXX XXXX reported XX/XX/XXXX {$170.00} Open balance XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX. XXXX XXXX XXXX Last reported XX/XX/XXXX {$77.00} Open balance XXXX XXXX XXXXE Original creditor XXXX Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX Report info Take a look at some options to help your score Average score improvement if you take care of a collection in the first 2 years Removed XXXX pt Paid in full XXXX pt Settled for less XXXX pt Based on XXXX XXXX XXXX XXXX members
Consumer complaint received 2016-06-25
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

The HAMP modification that I had done in 2010 is now matured to 4 % and will be 5 % soon, then to 5 1/2 %. Is it allowed for a HAMP mod to go over the market interest rate?
Consumer complaint received 2023-08-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (UT)

I payed off my account with Comenity bank before my special 6 months no interest and they continue to charge and harass me. It started with them losing my money orders in their facility for a MONTH! During that time I called repeatedly to fix the issue and I kept getting brushed aside. That was in XXXX here I am halfway through XXXX getting called for money for interest I was assured would not be accrued and what was accrued would be cleared. Between the first week of XXXX and now I have spent XXXX hours on the phone with these conmen and Im currently on a call that has lasted over XXXX minutes that they initiated and have now placed me on hold without permission and are currently trying wait me me out and make me hang up. I have received dozens of false promises about them reviewing my account and calling me back, they dont give me their names, they pass me from supervisor to supervisor and there are thousands of stories like this their reviews are XXXX star from over XXXX people because this company harasses and frauds their clients consistently! This is a huge issue and I would love to start a class action but I have no clue where to go so here I am hoping the CFPB is my solution.
Consumer complaint received 2023-08-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (AZ)

Synchrony Bank keeps calling everyday XXXX times everyday for the last few months. I have a debit management company who has contacted this bank and they agreed to settle the debit and Im going to start making payments on XX/XX/23 but they will not stop calling and leaving voicemails. They are harassing me.
Consumer complaint received 2024-04-24
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Possible Financial Inc (FL)

I have an extended fraud alert on my credit report, which legally requires lenders to call me to verify my identity under the Fair Credit Reporting Act ( FCRA ), Section 605A. However, this verification process was not completed. When I took out a loan with Possible Finance, I complied with their requirements by submitting a selfie and my ID. After successfully paying off the loan, my phone was stolen, and I discovered another loan on my credit report. Despite informing Possible Finance that this account is not mine, they insist it must be because I had an account with them before. Their actions constitute a violation of the law.
Consumer complaint received 2023-08-13
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX Account number XXXX has violated my rights. 
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.

4 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as for any purpose.
Consumer complaint received 2022-10-23
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX  # XXXX, has violated my rights. 

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
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (SC)

As I was reviewing my credit report on XX/XX/2024, I saw some disturbing and harmful information. I called XXXX and sent in writing requesting that they please remove the inaccurate information and to please provide me with the original documents showing me where they received this information. XXXX, XXXX, XXXX, XXXX XXXX XXXX, LexisNexis, and XXXX  all stated that they do not give out nor share my personal information. Once I tried to resolve the issue and they weren't cooperating, I was left with no other option, except to reach out for help.

5 U.S.C 552 a ( i ) ( 1 ) 5 U.S.C.552 a ( i ) ( 2 ) 5 U.S.C.552 a ( i ) ( 3 ) FCRA
Consumer complaint received 2022-12-21
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)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that XXXX the XXXX whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of items that are UNKNOWN to me : XXXX  XXXX XXXX Date Opened : XX/XX/1996 Balance : {$18000.00}.
Consumer complaint received 2017-05-04
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

In  XXXX   XXXX  my mortgage loan balance was {>= $1,000,000 }, ( m y original originated loan amount was for {$1200.00 }, ) I  was offered/granted  a Loan Modification b y   XXXX   XXXX   XXXX   ,  at a new balance of  XXXX .  ( defe rring {$350000.00}. ).     I believe there is an error in the calculation, and I would like my balance adjusted to the principal balance at time of modification of {>= $1,000,000}.     I submitted a written request to the Loan Servicing company, SPS  Select Portfolio Servicing Inc.  in  XXXX   XXXX  asking for this investigation and correction, they responded that they are governed by the modification agreement. I am asking for your assistance to help escalate this matter for me which is far greater than I am able to manage on my own. Your assistance is appreciated.     Notes :  Current Balance   XXXX   (   XXXX   XXXX   ) Deferred  Principal {$350000.00}. (  XXXX   XXXX   ) Total Statement Balance  {>= $1,000,000}
Consumer complaint received 2022-11-17
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. (FL)

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-08-14
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. (NY)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-14
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. (TN)

In accordance to the Fair Credit Reporting Act. The lists of accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 USC 1681 states Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2024-04-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management (SC)

Fox Collection Center is reporting to all XXXX credit bureaus. I have asked for validation numerous times from this company. They have failed to comply with e 30 day turnaround also failed to comply with furnishing information that they are licensed and bonded to collect a debt in my state of South Carolina. The have violated my rights by fraudulently accessing my consumer file and invading my privacy. I have never signed a contract with this company. I have not only asked for a signed contract and original signature from said company or whoever the claim to be collecting on the behalf of. ANd nothing, no avail, no response, no resolution.