davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Bank of America closed my account that was opened for 14 years because they asked for a document that I couldn't get. They requested that I get a copy of the articles of incorporation. The company was formed in XX/XX/XXXX. I sent over what was received from the State at that time along with a letter from the IRS. The only way I became aware of this need is when they froze my account and individuals who I had written checks to said they weren't honored. Immediately I called the bank to find out the reason for this action. They said they tried to contact me which wasn't the case. I have on my profile cell phone numbers and office numbers in addition to my physical address and PO box and email address. There are no records of them calling me nor could they produce the alleged letter that was sent. When I made contact and was told what was needed I sent it to them the very night via fax. Several days later the same thing occurred again without notice. This time I went into the branch to provide the required documents. The customer service representative called and received instructions how to remedy the problem, we followed the instruction to the letter and the same things happened again the account was seized. Each of the times we presented the documentation we were then told something different was incorrect. I went into the bank on XX/XX/XXXX again to provide the documents that was requested to be then told my business account was in a locked status and no one could unlock the account. XX/XX/XXXX I was told the funds would be returned to me via overnight since the account had been closed. Per instructions of the Branch Manager I called on XX/XX/XXXX to track the status of the check only to be greeted by the most incompetent customer service representative. She then told me the funds could not be overnighted to a PO Box , which my physical address is on file. The nature of my business is affordable housing. The funds seized were funds that are to be dispersed to low income families. As a result of this situation not only have I had to pay charges for returned checks I have suffered a disruption within my business which is preventing me from meeting my financial obligations. As of today XX/XX/XXXXno one can definitively tell the status of the check which XXXX XXXX is too much money for them not to attach a tracking number of some sort to the mail. I see this as an example of " Big Banks '' doing what they want to the small businesses and we have no recourse or choice but to take it. If I could afford to take them on legally I would.
Consumer complaint received 2016-05-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (OR)

In XXXX XXXX, Nationstar Mortgage bought my home loan from XXXX XXXX XXXX. Somehow during the transaction, a paperwork issue occurred between the banks. Nationstar added a " late fee '' to my loan account, even though I had nothing to do with the transaction. Nationstar has acknowledged to me that the fee was erroneous since XXXX XXXX, and yet they have never removed the late charge from my account. My account is in good standing as I have never been late with a payment on the account. Nationstar has not removed the erroneous late fee and it is now XXXX XXXX, so it is now 4 years later and the " late fee '' still appears on the account.
Consumer complaint received 2023-05-31
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2017-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX is reporting on my credit that I owe XXXX from back in XXXX but I did not open an account until XXXX and still have XXXX without any balance. I feel that my identity might of been used because I do not have a balance with XXXX and I still use them as my phone carrier.
Consumer complaint received 2018-03-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

Select Portfolio Servicing is foreclosing on my home. Over the years I have been unable to find the Noteholder/owner of my home. Over the past few years I have hired 2 attorney companys to try to get me a modification the last being bloom law group. SPS had stated that XXXX was my noteholder/owner of my note. I applied for a modification with the help of XXXX XXXX XXXX who I paid over {$6000.00} and SPS declined my modification application saying XXXX XXXX the investor had said no. So I went to XXXX XXXX executive office and was told they did not own the loan and was asked to leave. XXXX stated XXXX XXXX  owned the loan.. I contacted them and they sent me 3 letters saying they did not own the loan. They said XXXX XXXX XXXX XXXX XXXX did. I have 3 emails from XXXX XXXX  XXXX stating they do not own the loan. I requested repeatedly to SPS the current deed of trust assignment and have attached what they sent me which is fraudulent. XXXX paid {$10.00} for my {$300000.00} home. they did not send me the fraudlent XX/XX/XXXX filing. The deed of trust of XX/XX/XXXX was backdated and fraudulently signed with no assignor. This forclosure says it was a Jp chase, XXXX  XXXX XXXX XXXX XXXX  for XXXX XXXX asset backed securities trust XX/XX/XXXX asset backed certificates series XX/XX/XXXX. I have asked repeatedly both written and verbally for the paper trail to this loan and only received these 2 fraudlent papers. The loan originated with longbeach mortgage went to wells fargo to Washington mutual to bear sterns and sold to a trust. We have hired a forensic mortgage examiner and they have documented all the fraud. We went thru the mortgage modification process and were denied saying that XXXX has said NO. They don't own it. We are currently going thru another mortgage modification process with this foreclosure hanging over our head. We Just want to save our home, The loan was sold to a trust and none of the companies involved are currently in business. XXXX XXXX XXXX has filed false foreclosures on my home in the past and continues to try to foreclose with false documents also and no offer of mediation which Oregon requires. We just want a loan modification without all the fraudulent servicing fees.
Consumer complaint received 2021-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

Captial one has had my account in frozen status since XXXX and they are refusing to return my funds. They requested XXXX and XXXX returns but yet they are not processing their investigation. After being told my account would be unlocked after I submit my XXXX returns. They refuse to communicate with me about my money. They are fabricating their reason for freezing my account.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Since XX/XX/XXXX, I have not added any accounts, loans, or used any credit cards, my score was XXXX. There was just one account that was closed in XXXX and I've made no changes. In XXXX months time ( XX/XX/XXXX to XX/XX/XXXX ) Transunion lowered my score from XXXX to XXXX. 
The account I had closed in XXXX reappeared onto my credit report. 
I disputed this account with them and they removed it off my credit report. However, it's now been XXXX months and they have made no changes to my score after they made the initial error.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Its been 4 years now and transunion has not moved my credit score. I sent letters and disputes, still nothing. My scored is still showing low score. They are not reporting my car, my credit card and all my paid ontime bills. Its hard to get a live person to help you. When you call the switch over to XXXX XXXX. Its been a complete horror trying to get them to fix this. I never get any response when I dispute this situation. My address and phone # is not updated as well.
Consumer complaint received 2016-05-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TX)

Nationstar Mortgage provides payoff for loans only through the last day of each month. If you loan closes XXXX XXXX, you are required to pay them interest through XXXX XXXX no matter what. Then, once interest is paid to them through XXXX XXXX, they keep your money another thirty days before sending the refund. In the above scenario they have use of your money for almost 60 days. This must be a lucrative business for them in that they have thousands of consumer 's money to invest for periods of time. In my case, it is {$1600.00}. I can only imagine what they are making on the float of all consumer 's money. This should be stopped.
Consumer complaint received 2017-05-15
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: CITIBANK, N.A. (MN)

Cnba hard pull on my credit or days it wo n't be removed un til 2018.what is the  retail an elsewhere I 've never gave consent to this company prove my daughters name and I 'll believe this company knows me
Consumer complaint received 2024-05-25
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. (NC)

The Credit Bureaus stated my accounts XXXX XXXX XXXX as well as XXXX XXXX were properly investigated and verified but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. According to 15 USC 1681i ( 5 ) ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; YET I was not provided with these documents. 
The companies for which I am filing this complain are all in violation of the law ; 15 USC 1681 section 602 A. Which states I have the right to privacy. 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other such as : In accordance with the written instructions of the consumer to whom it relates. These agencies need my written consent to add anything to your consumer report if I did not give this authorization ( for the clarity of this complaint I have provided no such consent ) that is a violation of the Fair Credit Reporting Act In addition the law 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports states : Except as authorized under subsection ( b ), 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 XXXX years. To remedy these violations I will be invoking the law ; 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than { {$100.00} } and not more than { {$1000.00} } ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or { {$1000.00} }, whichever is greater ; For the purposes of this complain I am demanding a retribution of { {$1000.00} } per violation found on my credit report These accounts were disputed and came back verified XX/XX/year> as well as XX/XX/year>, I also sent letters XXXX XXXX report numbers : XXXX, XXXX.
Consumer complaint received 2023-05-31
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-01-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Neon Newco Corporation (MO)

I lost my account due to a phone and data information last hour a stolen information incident where my phone went missing and somebody else logged onto my account and has changed my information so I can no longer access any of my money or my money flow I would really appreciate some help and I don't know how to get it from anybody without going through a Consumer Legal associate.
Consumer complaint received 2015-09-05
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CREDICO. INC (SD)

I received a notice from this company informing me they were unable to verify the debt and that it would be removed from the credit bureaus along with the judgment to be removed as well. The collection account was removed from all 3 bureaus. However, only XXXX removed the judgment, and I had to contact them to do so. Either this company did not comply, or XXXX and XXXX did not.
Consumer complaint received 2023-05-31
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: EQUIFAX, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: White Jacobs & Associates (TX)

I began services about 6 months ago with XXXX XXXX XXXX. I was guaranteed in 6 months the items I had on my credit report would be removed, I would get frequent check ins and all sort. I even signed a contract and in that contract It stated I could not work on my credit or reach out to these companies as they were supposed to be disputing these items. I have paid over XXXX dollars over these months with a fees of XXXX dollars for changing my payment methods. Still not a single item has been removed, I don't get follow ups as promised. I have to email and reach out. All I have been doing is paying this company, with no true results, I am at 6 months ready to purchase a home and my credit is right where it was with the same items. I am requesting a full refund and this company be reviewed for fraud. I don't understand how they can operate like this. I will file other complaints as well. With the amount I have paid them I could have used to dispute these companies myself.
Consumer complaint received 2023-05-31
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: EQUIFAX, INC. (MO)

On XX/XX/2023. I sent off a investigation letter to make sure all accounts on my report was thoroughly reviewed and 100 % accurate. 

The Credit bureaus stated Account Name & Account #. ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report as well Was properly investigated but how is that possible if the Open Date is inaccurate, The Account Type Detail is inaccurate.The Hight Credit is inaccurate.The date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report as well.
Consumer complaint received 2018-03-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Consumer Financial Services (IL)

On XX/XX/2016 I went and applied for a new car and got approved but in my credit report it was stating I owed almost {$3000.00} on the truck I was trying to trade in so the dealer wouldn't give me much for my trade in because the amount I owed. I knew I owed close to {$500.00} but no where close to {$3000.00} so I called multiple times to the finance company where I took out the loan and didn't get a response so I went in and disputed the amount so with my original contract I had on hand and a print out of all payments made it came out that I owed {$490.00} and I paid that with debit card in full and received a letter signed and said paid in full about 2 weeks later I got the title .. so don't know where this extra money they say I owe because if I owed any money I would of never got the title from the company.
Consumer complaint received 2023-05-31
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: EQUIFAX, INC. (SC)

You are reporting a DELETED account from other bureaus on my credit file. XXXX FCRA, reporting must be 100 % accurate. Please correct this damaging data immediately. 
XXXX XXXX XXXXXXXX Balance : {$920.00}
Consumer complaint received 2023-05-31
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: EQUIFAX, INC. (MA)

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 XXXXXXXX XXXX XXXXXXXX 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 2023-05-31
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. (SC)

This is my six 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 an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX ( Original Creditor : XXXX CHARTER XXXX ) XXXX Balance : {$1200.00}, XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$310.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$950.00}