davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Every month I pay MORE than the minimum requirement on my mortgage and have been doing so for over 15 years since I want to reduce the principal faster. 

Recently I have been sending in payments that are twice the size of mortgage payment. Bank of America arbitrarily has decided to split these payments into two separate monthly payments against my wishes and against my instructions. They say because my payments are coming from third parties their system sees it as two payments and does not reduce my principal as I desire. When this happens I have to call Bank of America to have it fixed. Since I will be doing this on a regular basis, I will need to call every month which is an undo and unnecessary burden on me. By doing this B of A also assure that they will collect more interest on the account since the principal is not reduced. 

I have tried to resolve this with them and have spoken to XXXX XXXXXXXX XXXX in the Wealth Management Client Care Executive Escalation team. He just keeps repeating the same thing over and over. He won't say they can't help me ( I'm sure he has been instructed never to say that ) and can not fix this problem. A company that is as big as B of A should be able to help me but they will not. 

I repeat, I am trying to pay EXTRA on my mortgage but they are making it very difficult as they are making arbitrary decisions on how my payment is allocated and they will not fix it nor will they admit that they will not take any steps to fix it. They put the burden on me to call and have it fixed. When this happens, they will NOT reissue me my monthly statement. I have to ask them to tell me what the new mortgage payment is. This is truly insane. 

B of A speaks out of both sides of their mouth. If I send in {$2000.00} on a required {$1700.00} bill, the system processes the additional amount correctly. The {$300.00} goes to reduce the principal. If I send in {$4000.00} only {$1700.00} goes to the monthly payment and they split out the {$2300.00} for the following month Finally, my mortgage is a variable rate that is tied to XXXX and B of A has not informed me of how this change is being handled given that XXXX does not exist. 

Thank you for you help on this matter.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX XXXX XXXX : # XXXX XXXX, XXXX XXXX # XXXX XXXX XXXX # XXXX number 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-25
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. (CA)

XXXX XXXX - XXXX - XX/XX/ - On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the wrong person.
Consumer complaint received 2023-02-13
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. (SC)

XX/XX/13 I called XXXX in regards to a reduction of my credit limit from {$1000.00} to {$500.00} after I made a payment of {$700.00}. The company stated that they reduced my limit based on false information provided from creditors. 

XX/XX/13 A payment was made of {$700.00} to lower credit utilization. Immediately after that the credit limit was reduced to {$500.00}. This is impacting me significantly and I need this resolved immediately.
Consumer complaint received 2023-01-13
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. (WA)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2022-05-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (CA)

I believe this account is unlawful XXXX XXXX Account XXXX Interest rate is 98.29 % annaualy. It goes against California usury law. There lending practices takes advantage of people in difficult spot and put them in worst situations. When o reach out to them multiple times I got no compassion are no modified arrangements.
Consumer complaint received 2023-02-13
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)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation 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 the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2024-03-12
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)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the fair credit reporting act XXXX  accounts -XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX -XXXX XXXX acct XXXX XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX -XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX -XXXX XXXX XXXX XXXX opened XX/XX/XXXX - reported XX/XX/XXXX -XXXX XXXX XXXX XXXX opened XX/XX/XXXX - reported XX/XX/XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I 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 wriiten instuctions.
Consumer complaint received 2023-02-11
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. (MI)

In accordance with the fair credit reporting act XXXX  XXXX  XXXX  Account # XXXX has violated my rights & XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account # 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 2023-02-11
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXXXXXX 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 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 2023-02-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Capital one 360 closed XXXX of my checking accounts and savings accounts without warning. I was told they conducted an internal review of my accounts and decided to end the banking relationship without any cause given. I spoke to several representatives who also informed me that I would not be able to withdraw my funds until the investigation- of which i do not know what they are investigating- was completed. I was given no warning, no indication that I had done anything to warrant this issue. 

All the while, I have no cash on hand- I can not drive to work and have a medical condition that requires medication and visits to my physician to manage. Without access to my funds, I am unable to care for myself. I also do not have the ability to purchase any food, and have no other financial support. 

I disputed XXXX transactions from a merchant ( Grub hub ), because both orders were not delivered ; I contacted Grub hub customer service to resolve, but they would not provide me with a refund, and so I disputed the transactions with Capital One. I have screenshots of the customer service conversation with XXXX to verify I contacted them and that they would not provide a refund. 

That is all that I can think of that would have prompted capital one closing my accounts. 
Without access to my funds, my health is at risk. 

If this is not resolved immediately, I will seek further legal action ; capital one is preventing me from being able to have health and safety and will not provide me with adequate documentation or resolve of this issue.
Consumer complaint received 2023-02-11
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. (AL)

I have asked Equifax numerous of times to correct the available balance on my upgrade account and has sent proof to show them the correct available balance and they have yet to correct this matter, I will be reaching a higher chain of command I'd this issue is not fixed this time around. Attached is proof once again showing what my available credit or valance should reflect to be, they have me at a negative balance on my credit report for my updgradr account and that is inaccurate and is a violation, against the law. Update this immediately to reflect accurate information
Consumer complaint received 2024-03-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.
Consumer complaint received 2023-10-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bread Financial Holdings, Inc. (NJ)

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Flied A Lawsuit Against Me Once I Moved To A New Address Due To Life Circumstances. The Summons Was Sent XX/XX/2023 Regarding A Card with XXXX XXXX XXXX XXXX. I Honestly Don't Know Of Any Debt With Them And Never Recieved Coorespondence Before I Moved. I Also Never Recieved Proof Of Ownership Of The Debt.They Filed The Lawsuit With Superior Court Of New Jersey Law Division ( Civil Glassboro ). They Have Sued Me In The Pass In My Twenties For An Very Old Debt And Had My Pay Docked .They Are Known For Filling Up Court Rooms With Residences Of XXXX XXXX XXXX XXXX And XXXX  XXXX Who Don't Know Their Rights And Getting Money From Ppl Who Don't Have It. I Even Answered The Summoms XX/XX/2023 To Require Proof And They Just Answered Back With Interrogation Documentation. I'm A Single Mom Now Going To Court To Defend Herself Because I Can't Afford Legal Representation Because Of These Preditory Tatics And It's Really Troubling For Me.
Consumer complaint received 2022-05-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

LCI did not complete investigation of my Bankruptcy that was sent to them in XX/XX/2022. In fact, on XX/XX/XXXX they requested 60 more days to investigate ( which I do not give permission ). under Federal law it is my right to have investigations completed within 30 days or have the tradeline deleted if this is not completed. as of today, the public record Bankruptcy is still showing on my credit file.
Consumer complaint received 2023-02-14
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: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX acct 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 an account without my written instructions.
Consumer complaint received 2023-02-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TD BANK US HOLDING COMPANY (OK)

XX/XX/XXXX Received a call from a processor saying they are trying to serve me papers. XXXX XXXX from XXXXXXXX XXXX XXXX  sent a letter their address on letterhead is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I called TD auto finance they informed me that the loan has been paid and to ignore the call. I called XXXX back and informed him that I can not find any information regarding this information, and he told me that I am doing the research because I do not want to pay. I informed him that I do not want to be scammed. Tole me that I will be getting served next Friday. and that I will have to pay more. they are suing to put a lien on my house. I want correct information if I do owe this, but not going to hand over my credit card information if this is not legit. Case no on the letter. XXXX. 
Stated the last payment was made in XXXX. The total amount due is XXXXsettlement amount is XXXX and which I must pay today. He gave me an hour to call him back and pay or we will go to court. I just want to know if they are real or not.
Consumer complaint received 2023-02-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My name is XXXX XXXX XXXX Formerly XXXX ). I am currently living in a XXXX XXXX & trying to get into a XXXX XXXX XXXX as my battle with the XXXX virus is causing me such discomfort. I caught XXXX in XXXX of 2021, and that complicated the virus even worse. To into transitioning housing from the hospital. I must have decent credit. Im asking for your mercy on me to help removed the old negative account so that I may transition with my 3 small children and be with them as my end of life. May you please removed the negative accounts that I paid off. They are affecting my entrance into housing.

Thank you,
Consumer complaint received 2023-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I accessed the Capital One app in XXXX 2023 to make a payment, and it showed past due but it didn't show me the amount I needed to pay within the app in order to become current. As a result I paid {$50.00} because I thought that would cover it. Now in mid-XXXX I just got a collection call saying XXXX was reported late and wasn't paid in full. I have since enrolled in paper billing statements but haven't received any yet.
Consumer complaint received 2023-10-25
Product: Credit reporting 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)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (MA)

DEAR SYNCB/PAYPAL CREDIT CARD ( XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX ) ; I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2020. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly COVID-19, and being XXXX  with XXXX, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.