davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-13
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I received a copy of my credit report and found the following items to be errors and incorrect.

I did not apply for credit with your company or bank.

The inquiry needs to be removed immediately from my credit report.

Cap One Inquiry from XX/XX/XXXX The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.

I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

The following credit inquiries are related to none of the fore mentioned permissible purposes. I did not apply for credit with your company or bank.

The inquiry needs to be removed immediately from my credit report.

I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

I have exhausted all other options for correcting my credit report, and the CRA still wont fix the error or errors. I am in the process of talking to a consumer law attorney who can me enforce my rights.
Consumer complaint received 2020-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Hello, So I have a collection agency XXXX XXXX and Transunion refusing to remove a collection on my record that is not mine. All other reporting agencies have removed this fraudulent collection. Transunion is still illegally trying to collect from me. I live in a state with another with a similar name, XXXX XXXX. I looked further into this and the account looks to be owed in full by a XXXX XXXX. I did not live in this home. I have never received any type of notice that a collection was being placed or needed to be paid. I found out about this by looking at credit karma. I have tried to resolve this with both Transunion and XXXX XXXX. But they refuse to listen or look further into it. This collection is not mine and is the reason I am currently homeless and unable to purchase or rent a home. I can provide a lease to show I was not living in this home at this time.
Consumer complaint received 2022-05-25
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

I recently checked my credit report and noticed that lots of inaccurate accounts and inquiries, I immediately made a Letter to the respective agencies dated XX/XX/2022 and I wonder why after 30 days I haven't received any response from them so I had to research about my right and found that according to this article { FCRA 611 ( 15 U.S.C. 1681I ) } there's this 15 days additional for the reinvestigation. So I calm myself and waited for another 15 days to passed. Today I couldn't wait for another day it is over 45 days since I mailed them about it but still no response at all. According to article that I read failure to investigate 30 days gives a reason to immediately remove those items from my credit report. I feel like I am being ignored and being taken advantage.
Consumer complaint received 2020-12-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was getting a offer in my XXXX  account - promotions to open a bank of america checking account. I followed that link which has a promotion of {$100.00} to open a bank of america checking account. 
I filled up the application and provided all the information. 
But Bank of America declined my application and my account is not opened.
Consumer complaint received 2020-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

The three major credit bureaus are currently reporting incorrect negative information on my tradeline. They are all reporting that an account on my TRADELINES is charged off with multiple late payments. The account is XXXX XXXX. I was notified that the status of my account was charged off when in fact the account has been paid in full and was paid current. This account has not been late and is not charged off. Attached is proof that the account was paid on time and paid off.
Consumer complaint received 2023-08-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc. (TX)

My wife and I took out an installment loan from Tower Loan on or around XX/XX/2023. At the time of the loan closing, we were not informed of the available methods of making payments, nor were we given the monthly due dates. About a month later, we started receiving numerous phone calls from Tower Loan asking for their first payment. When we told them that we had never received a statement, the response given to us was that they don't send them out. Instead, they just call their borrowers over and over until they make their payments. Tower Loan does not have an online portal that accepts payments, and can only receive payments at their office. We then set up an automatic monthly payment within our own bank that would mail a check to Tower Loan 's location near us on a monthly basis. About a month after this, we started receiving numerous phone calls from Tower Loan, claiming that we had not paid them. I checked my banking records and confirmed that the payment had indeed been sent out. They claimed they never received it and that I needed to stop the check on my end. I did so, and now Tower Loan is claiming that they attempted to deposit the check ( the one that they earlier had said never arrived ) and are trying to charge us a stop payment fee in addition to late fees. XXXX I pointed out that the stop payment was at their request and provided proof that we had sent in the payment, Tower Loan said that they would consider removing the fees. At the present, however, they have not responded. 
The fact that they do not send statements, leaving us without knowledge of the remaining balance, interest that has been charged, and any fees assessed seems to be in violation of 1026.5 ( b ) ( 2 ) and 1026.7 ( b ).
Consumer complaint received 2023-12-29
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. (GA)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2020-03-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (IN)

I filed a previous complaint and Synchrony Financial did not resolve it. I made a purchase with a Lowes store card in the amount of {$440.00} and the purchase was cancelled. I never received the merchandise, yet Lowes did not refund the charge, nor did they issue any kind of merchandise credit. 

In the company 's complaint response, they claimed that a merchant gift card in the amount of {$440.00} was issued and attached a document allegedly showing this gift card issued as a return. This is fraudulent : I never received the merchandise so I could not " return '' it. I also never requested nor received the alleged merchant gift card. The document has no evidence that I was the one " returning '' the merchandise, nor does it have any evidence that I received the alleged merchant gift card. Whether Synchrony falsified this document or someone at the Lowes store falsified it, I do not know.
Consumer complaint received 2022-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (NC)

On XX/XX/XXXX, the IRS deposited {$5600.00} to our account for the XXXX Stimulus payment. We did not receive any money in that account and American Express has stated that the money was never deposited. We submitted a form around XX/XX/XXXX for the IRS to do a trace on the money and the IRS shows that the money was deposited into our account. The IRS has reached out to American Express on serval occasions with no response, we have also reached out to American Express and were told that there was no money deposited into our account.
Consumer complaint received 2020-03-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (VA)

XX/XX/XXXX XXXX  XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, DE XXXX Bank of NY, Mellon XXXX XXXX XXXX XXXX XXXX, NY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. 

This letter addresses the deceit and re-modification denial by XXXX   XXXX XXXX, XXXX. 

We filed a complaint with Consumer Financial Protection Bureau on XX/XX/XXXX against XXXX  XXXX XXXX, XXXX. 
XXXX  XXXX XXXX reached out on XX/XX/XXXX and a request for a re-modification of our HELOC was requested. 
All requested paper was submitted in a timely manner. 
Received a call from XXXX  XXXX XXXX on XX/XX/XXXX informing us that our re-modification was denied. 
We requested an appeal and was denied, the reason being the Investor would not approve the re-modification. 
We were informed the Bank of NY ; Mellon was the investor. 
We tried contacting Bank of NY, Mellon on XX/XX/XXXX at three different numbers, a recording informed us to send regarding our issue ( we were unable to speak to a live person ) An email was sent, and a response was received that they had no control over any approval decisions that was XXXX  XXXX XXXX, XXXX. decision alone. ( see attached ) For the past 15 years we have made interest only payments with no portion going towards to the principle, on time every month. 
The paperwork also state that we were not eligible because the maturity date was past due. We tried to re-modify back in XXXX but did not receive the proper information or any paperwork. 


We feel XXXX  XXXX XXXX, XXXX. is being extremely deceitful, deceptive, mis-leading and misguiding. XXXX  XXXX XXXX, XXXX. and Bank of NY, Mellon are pointing the finger at each other and no one is taking responsibility to try and resolve our issue. 
XXXX  XXXX XXXX, XXXX.s accusation that Bank of NY, Mellon did not approve the re-modification XXXX  XXXX XXXX, XXXX. states they did not investigate any other programs that we may be qualified for. 

This means we are where we started with no re-modification, threats of foreclosure and credit defamation if we do not pay the full amount of the HELOC by XX/XX/XXXX. According to the reply we received from XXXX  XXXX XXXX, XXXX. any payments made will be accepted but will not stop the process We feel very strongly that our experience, with XXXX  XXXX XXXX XXXX, XXXX. has been malicious and not helpful. 
Their communication skills and customer services are simply unacceptable. My husband and I would really like to re-modify this loan so that we may start paying into the principal and eventually pay it off. 

Our goal is still simply to get this loan settled, so that we will still be able to live in the house that we have tried so hard to maintain for our family. If you need any additional information, please feel free to contact us at ( XXXX ) XXXX, ( XXXX ) XXXX, or email XXXX. 

Thank you again for your time and consideration. 

Mr. XXXX XXXX Mrs. XXXX XXXX
Consumer complaint received 2021-03-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

Hello, in XX/XX/XXXX i requested forbearance due to XXXX and received approval for XXXX months XX/XX/XXXX Forbearance was extended another XXXX months XX/XX/XXXX XXXX XXXX uploaded to SPS to assist in repaying the delayed payments while in forbearance. 
XX/XX/XXXX SPS requested financial information ( taxes, XXXX XXXX XXXX, bank statements, etc ). We emailed the requested documents to the relationship XXXX. The receipt was confirmed by SPS. 
Additional Documentation Uploaded XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Requests for clarification of information ( answering includes uploading information or calling to clarify previously sent information, often information and questions we already provided : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Complete Assistance Package Notice ( letter stating all the required information was received and we should receive an answer in approximately 30 days ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Property Appraisals done ( new appraisal each time ) : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Resumed making monthly mortgage payments. Was told we did not need to make the payments while in the XXXX process but because of all these delays it had been a year, so we started making the payments as to not get further behind. 

XX/XX/XXXX received an email that they needed clarification on some documents. Called and spoke to a relationship manager, she said the notes asked to confirm what % of a company was owned by XXXX. I told her that I had sent over XXXX different profit and loss statements for that company with that information on it. I sent that information on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Every time they ask for more information, or the same information previously supplied everything is again pushed out XXXX business days. 

all i wanted since XXXX is to start paying back and work out a deal about missing payment, i consulted with mortgage broker and he recommended to start making payment which i did this month XX/XX/XXXX.
Consumer complaint received 2021-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I previously called as well as disputed information that doesn't belong to me I made a report with FTC asking what I can do before filing a law suit this was my next step I provided my identification card as proof of these products not belonging to me and nothing was done. I wasn't notified by mail I asked to be notified by mail pending outcome of the investigation and nothing was provided when I call a man I talked to was very rude and aggressive with me and now I'm filing a complaint because nobody should be treated this way when I'm just looking for help I understand they get paid off more accounts I have on my account but by law if it don't belong to me it have to be removed. Thanks you
Consumer complaint received 2021-03-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services (NY)

I am writing today in regards to my account with MB Financial Services Account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/XXXX, due to Covid I was unable to make the payment in XX/XX/XXXX. As soon as I was able to, I got my payment made and caught up.
Consumer complaint received 2021-03-17
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. (AL)

I called equifax to let them know its fraudulent activity going on with my credit report which is 3 accounts thats are fraudulent I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as Im talking about XXXX. XXXX XXXX  XXXX. XXXX XXXX XXXX. XXXX XXXX This is not a dispute this is a request if you dont have any documentation of these accounts to verify they mines then I ask Equifax to remove these fraudulent account and hard inquiries i also file a ftc report of the inquiries and I wrote a affidavit of fraud of the hard inquiries I attach them with this complaint I did everything I can to get equifax to remove them and they wouldnt so this why Im filing this complaint Im adding my id and social security number thank you I give you 15 days to show me proof documentation from those accounts if you dont have proof I asked you to remove them please and send me proof that those accounts are removed from the address thats on file thanks
Consumer complaint received 2021-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I previously disputed items that was not mine i sent in FTC report contacted my lawyer and sent in a dispute for a investigation I was never notified that my dispute was filed I contacted FTC to come up with a plan this is my next step before I filed a law suit because I trying to move on from this situations I was XXXX  when these accounts was opened and that's against the law to let individuals use my information and me being treated like a criminal ALL over again for a crime I didn't commit.
Consumer complaint received 2020-03-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ZWICKER & ASSOCIATES (GA)

Good morning my name is XXXX XXXX, I am writing to let your office know that I'm still being harassed by ZWICKER & ASSOCIATES. 
I first reported this business on XX/XX/2019 ID # XXXX XXXX because they were trying to collect the debt by suing me, they send their notice with a sheriff to my home. They are supposedly trying to collect on a debt for XXXX XXXX, by the way that account has been closed. 
All I'm asking is verification and a signature. A contract that shows my signature. I dont needs statements. 
If XXXX XXXX couldn't provide it either and instead chose to close the account why is this collector continue to harass me. I am trying so hard to clean this mess and I don't need collectors pretending to collect on a debt it doesn't exist. Thanks in advance for your help.
Consumer complaint received 2020-03-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

XX/XX/XXXX Bank of America, N.A. 
XXXX XXXX XXXX XXXX, DE XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. 

This letter addresses the deceit and re-modification denial by Bank of America, N.A. 

We filed a complaint with Consumer Financial Protection Bureau on XX/XX/XXXX against Bank of America, N.A. 
Bank of America reached out on XX/XX/XXXX and a request for a re-modification of our HELOC was requested. 
All requested paper was submitted in a timely manner. 
Received a call from Bank of America on XX/XX/XXXX informing us that our re-modification was denied. 
We requested an appeal and was denied, the reason being the Investor would not approve the re-modification. 
We were informed the XXXX  XXXX XXXX  ; XXXX was the investor. 
We tried contacting XXXX  XXXX XXXX, XXXX on XX/XX/XXXX at three different numbers, a recording informed us to send regarding our issue ( we were unable to speak to a live person ) An email was sent, and a response was received that they had no control over any approval decisions that was Bank of Americas, N.A. decision alone. ( see attached ) For the past 15 years we have made interest only payments with no portion going towards to the principle, on time every month. 
The paperwork also state that we were not eligible because the maturity date was past due. We tried to re-modify back in XXXX but did not receive the proper information or any paperwork. 


We feel Bank of America, N.A. is being extremely deceitful, deceptive, mis-leading and misguiding. Bank of America, N.A. and XXXX  XXXX XXXX, XXXX are pointing the finger at each other and no one is taking responsibility to try and resolve our issue. 
Bank of America, NA.s accusation that XXXX  XXXX XXXX, XXXX did not approve the re-modification Bank of America, N.A. states they did not investigate any other programs that we may be qualified for. 

This means we are where we started with no re-modification, threats of foreclosure and credit defamation if we do not pay the full amount of the HELOC by XX/XX/XXXX. According to the reply we received from Bank of America, N.A. any payments made will be accepted but will not stop the process We feel very strongly that our experience, with Bank of America Mortgage, N.A. has been malicious and not helpful. 
Their communication skills and customer services are simply unacceptable. My husband and I would really like to re-modify this loan so that we may start paying into the principal and eventually pay it off. 

Our goal is still simply to get this loan settled, so that we will still be able to live in the house that we have tried so hard to maintain for our family. If you need any additional information, please feel free to contact us at ( XXXX ) XXXX, ( XXXX ) XXXX, or email XXXX. 

Thank you again for your time and consideration. 

Mr. XXXX XXXX Mrs. XXXX XXXX