davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-20
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)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. please delete these items as soon as possible.
Consumer complaint received 2022-05-30
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 — Problem with personal statement of dispute
Company: OneMain Finance Corporation (AL)

I was pending XXXX from XX/XX/XXXX to XX/XX/XXXX. I was approved in XX/XX/XXXX. OneMain Financial was completely aware of my situation and provided no assistance with my credit reporting. XXXX and myself entered into a new Settlement agreement in XX/XX/XXXX. They reduced my amount owed and monthly payments. I have made every payment on time. I provided XXXX and XXXX with the terms of that new agreement. Although, I have been responsible for my part of the agreement since XX/XX/XXXX, XXXX continue to report to the Bureau the original terms of the agreement as if they aren't expecting a lesser payment. They have my account 150 days past dew. Settling my account is a negative on my credit to begin with. I should not be subject to monthly untruths.
Consumer complaint received 2017-07-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (IL)

Originally my husband and I refinanced our home in XX/XX/XXXX to combine our 1st and 2nd mortgage into one loan. I did not realize that the Loan Originator did not have my name on the loan I later found out after my husband passed away that I was not on the Note only on the Mortgage and the Deed. To my knowledge the loan was to be done as we originally had it with both of our names on the Note and the Mortgage. My issue is I am now trying to refinance under the HARP Program but because my name is not on the Note they will not report the payments that I have been making for the past 71/2 years to the credit bureaus, but have sent me printed receipts until of XX/XX/XXXX is when I received the last receipt in my name they now come in my deceased husband 's name. I really need to refinance my home so I can stay in my home. Back in XXXX the interest rate was 6.375 % for 30 years and the rates have been historically lower in the past years and could save me my home and the extra money I am saving I can do some maintenance should it be required on my home in the future. I live on a widow 's pension which is very limited and I am XXXX years old and have not been able to work for a very long time, so refinancing my home means everything to me. I tried to work with the mortgage co but no one will even speak to me now about this mortgage.
I am attaching receipts from XXXX thru XXXX in my name but they still will not report this in my name to the bureaus as they know I am the one making the mortgage payments, and I am the sole owner of the property.
Consumer complaint received 2016-02-08
Product: Credit card — 
Issue: Balance transfer — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

In XXXX 2014, Bank of America permitted a balance transfer from my BOA XXXX to an XXXX XXXX account. The amount was $ XXXX a {$400.00} fee. I did not authorize this transfer nor did I have an XXXX account. BOA refuses no to credit my account or give me any information about this transaction so that I may investigate it myself. Please help. {$10000.00} is a lot of money. Thank you.
Consumer complaint received 2022-05-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CO)

Received notice of annual escrow review for my mortgage from Wells Fargo projected shortage of {$330.00} with option of paying up front or increasing mortgage payment. 
However, whether pay up front or adding to monthly payment, the increase is actually {$710.00} over 12 months. 
It appears that Wells Fargo is charging additional funds that are not projected in the shortage. 
This is money that I should have access to and not pad Wells Fargos accounts. 
This is misleading at best and I assume not acceptable practice. 
I called on XX/XX/22 and was told that the additional ( more than double the projected shortage ) is in case more is needed next year. Again, this escrow projection shortage should cover this year and instead of having Wells Fargo keep additional funds for next year that would be reconciled in the next cycle, those funds should not be collected in advance.
Consumer complaint received 2022-05-30
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX and XXXX 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 2022-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the Fair Credit Reporting Act, The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15usa 1681. XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX {$650.00} Account # 2 NCA XXXX XXXX {$380.00} Account # 3 XXXX XXXX  XXXX {$350.00} Account # 4 XXXX XXXX XXXX {$320.00} Account # 5 XXXX XXXX # XXXX {$380.00} Account # 6 XXXX XXXX # XXXX {$540.00} Account # XXXX PXXXX XXXX # XXXX {$470.00} Account # 8 XXXX XXXX XXXX {$330.00} ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} Account # XXXX XXXX XXXX XXXX XXXX {$350.00} Account # 11 XXXXXXXX XXXX XXXX XXXX # XXXX {$320.00} Account # 12 XXXX  XXXX XXXX XXXX XXXX XXXX {$450.00} Account # XXXX  XXXX XXXX XXXX XXXX XXXX {$640.00} 15U.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 state a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2016-01-04
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

1 YEAR AND 3 MONTHS TO DENY MY LOAN?? This is just wrong. Something has to be done about this. How can your department allow a bank to get away with this? It was only the first step and now my loan has tripled. 

BofA delayed a decision on the first step of my mortgage loan approval for 1 year. My current assigned representative, XXXX XXXX just abandoned me after a 1 year a 3 month runaround. 

I applied to restructure my HELOC loan OVER ONE YEAR AGO. BofA waits over ONE YEAR to finalize the first step in a loan process, only to deny my restructure then fails to explain why. 
They knew of my XX/XX/2015 deadline. I supplied the final paper work a month ago after going back in forth for over 1 year. BofA waits until after XX/XX/XXXX and XX/XX/XXXX to send me a denial letter. 
For over 1 year, BofA kept requesting never ending additional information. Each and every time I supplied them this info, they allowed weeks to go by and then only requested more info. 

For the extension program they say I do not meet eligibility rules but will not explain why I did not meet them. For example ; BofA recommended I apply for a 40 year term loan. Now they have just denied because it is, either more or less then their requirements. They will not tell me which. Is it more or less? Do I have to much debt or not enough? 

They have changed my assigned manager at least 4 times. 

They provided me numbers to reach them with no extensions, disallowing me to reach them. 
I have sent them an entire tax return only to be requested another years tax return as they have taken so long to process this. 

Much information I have sent or faxed was re-requested again. 


B OF A HAS NOT MADE 1 ATTEMPT TO HELP ME WITH MY LOAN. NO ONE WILL HELP. 
Enclosed document will show BofA states " We are here to help ''. 

I should qualify for the restructure of the loan. There is no reason I should not qualify.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15USC 1681 section 602 states I have the right to privacy. 15USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-02-20
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. (TX)

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 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 : XXXX & XXXX XXXX # XXXX 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 ) ( XXXX ) 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 2022-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (CO)

On XXXX, I closed my account with indigo financial ( Genesis FS Card Services ) with a XXXX dollar balance. 

In XX/XX/2022 I receive a notice that I had a balance on the card. I contacted them about the balance and found it was for unpaid interest charges On XXXX, I spoke with Indigo about my card because I yet again receive a notice that there is a balance. The balance is for XXXX XXXX XXXX on a closed card with XXXX balance. They also had charged interest. They acknowledge my card was closed on XXXX. They are blaming the XXXX XXXX XXXX however didnt understand why the card was still allowing charges after being closed. 

At no point did any agent Ive spoke to have any empathy or concern that the company had done something that is illegal. 

I fear this is not the last time I will have this issue with Indigo. Unless action is taken by a governing agency.
Consumer complaint received 2022-11-29
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: GOLDMAN SACHS BANK USA (NJ)

The Apple/GS Credit Card filed that I was over 60 days delinquent when in fact I was unable to make a payment due to inadequacies in their system. 

I purchased a new XXXX in XX/XX/XXXX and agreed to pay for it through the Apple/GS credit card. I was told at the time that I would receive statements via email, and the XXXX employees and I spent considerable time confirming my email address. When I received the physical card some weeks later there was no information on it, no account number, and more importantly, no telephone number for customer service. Several months went by before I finally received a letter from Apple/GS with a contact phone number. I called them immediately, and they walked me through the process of setting up the Wallet App and then provided me with detailed instructions for making payments by check through the mail. 

None of the information I received at the XXXX XXXX turned out to be correct. 
( 1 ) In order to function properly, your Apple ID must match your current email address. This was never conveyed to me until nearly 6 months later. This would make it impossible for Apple/GS to contact me electronically. 
( 2 ) Even with the proper email address, the Apple/GS card never produces a statement of any kind unless you specifically call customer support and ask for one. This appears to be a violation of Federal law. 
( 3 ) You are expected to use their App as the only mechanism for making payments which makes it impossible to set up any kind of payment schedule with your bank. As a victim of identity theft in XXXX I am rather reticent about sharing bank information with an App on my phone.
Consumer complaint received 2024-03-09
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. (IL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX 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/year>
Consumer complaint received 2022-05-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Associated Credit Services, Inc. (FL)

I had 2 credit card with the XXXX bank  which were sold to XXXX bank. I had a law suit filed by XXXX Bank against me re one of the credit card in XXXX. Somewhere around XXXX of XX/XX/XXXX I received the phone call from Associated Credit Services. Since one credit card was in the legal dispute and only attorneys could communicate on the subject I thought that Associated Credit Card Services Rep is talking about the second card and I settled the debt for {$3000.00} with the Associated Credit Services , Inc ph : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXXXXXX and this settlement was fully paid ( {$1000.00} withdrawn from my account on XXXX XXXX ; XX/XX/XXXX and XX/XX/XXXX ). 
Meanwhile I also settled the credit card which was in the legal dispute through my attorney and also paid the settlement fully and the file was closed on the court level. Later I discovered that both settlement were done for the same credit card ( not two different accounts ). 
I called XXXX Bank and they said that they never received the settlement from Associated credit services nevertheless they sent me 1099 C form with the debt discharge and the amount corresponds to Associated Credit Services settlement. They reject to discuss and say that they never received the money from Associated credit services. 
I haven't received the confirmation of the settlement from either Associated Credit Services or XXXX Bank after multiple requests. 
XXXXt bank denies that the settlement with Associated Credited exist and that they received the money and Associated credit Services has been promising email/mail the confirmation of the settlement since XXXX, XXXX. 
I made multiple phone calls to Associated Credit Services and they always say it's on its way. I talked to XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX and other people. It's already about 3 months since I am trying to resolve the issue and none of the parties involved acknowledge the settlement done by associated Credit Services with official letter and XXXX Bank denies it at all. I apid for the same settlement twice and it seams like a fraud
Consumer complaint received 2022-05-23
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

4 HARD INQUIRIES Have taken place on my credit, someone obviously has my SSN and it looks as though they are trying to secure a loan and obtain an apartment! UGH! I took a screenshot of the inquiries, then set up fraud alerts with all 3 credit bureaus. PLEASE TAKE THESE HITS OFF MY credit & adjust my credit score accordingly. I am trying DESPERATELY to raise my credit and I'm a homeowner I'm not trying to get a loan or an apartment.
Consumer complaint received 2023-02-20
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. (GA)

XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy
Consumer complaint received 2022-05-23
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. (OH)

Transunion will not remove fraudulent inquiries off my credit report. I have reached out to them numerous of times, and explained to them those are fraudulent unauthorized charges and filed police reports XXXX XXXXXXXX FD XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXl XXXX XXXX XXXX XXXX XXXX mortgage XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/20
Consumer complaint received 2019-06-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

THE COMPANY XXXX  XXXX FALSELY CLAIMED TO BE REPRESENTING THE CREDIT CARD HOLDER HSBC TO COLLECT A DEBT. THEY THREATENED TO SUE ME IF I DID NOT MAKE PAYMENTS TO THEM. THEY ORIGINALLY TOLD ME I NEEDED TO PAY {$1500.00} THEN THEY SAID I HAD TO PAY OVER {$3000.00} BECAUSE OF COURT FEES BECAUSE THEY WERE FILLING SUIT AGAINST ME. I MADE 4 PAYMENTS TO THEM OF {$110.00} OVER 4 MONTHS, THEN I RECEIVED CALLS FROM THE CARD HOLDER SAYING THAT I HAVE NOT BEEN PAYING THEM AND THEY WERE READY TO SUE ME IF I DID NOT MAKE PAYMENTS TO THEM. THEY INFORMED ME THAT THEY WERE NOT GOING THROUGH A DEBT COLLECTOR TO COLLECT MY ACCOUNT AND DID NOT KNOW WHO APE FINANCING WAS. THE CARD HOLDER WAS UPSET WITH ME AND POSTED ON MY CREDIT REPORT AND IT DECREASED MY CREDIT NUMBERS. THE CARD HOLDER, MY BANK, THE XXXX XXXX XXXX AND MYSELF HAVE NOT BEEN ABLE TO GET IN TOUCH WITH ANYONE AT XXXX  XXXX. THEY HAVE RECENTLY BEEN CALLING AND HARASSING ME AGAIN BUT WHEN I CALL BACK I CAN NOT REACH THEM. I FOUND THEM ON THE INTERNET AND THEY HAVE SCAMMED OTHERS.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was notified on XX/XX/XXXX through XXXX XXXX XXXX ( Identity Theft Protection ), as well as my XXXX XXXX Banking App, that a Capital One credit card was applied for under my name using my personal information. I did not recognize this activity, I have NEVER tried to bank with Capital One. 

I waited until Monday, XX/XX/XXXX to begin by contacting the credit agency XXXX to dispute the hard inquiry initiated by the fraudulent Capital One credit card application. I went to my local precinct of the XXXX ( the XXXX XXXX, XXXX XXXX ) to file a police report in person, as they did not answer any of my 15 calls. The XXXX XXXX police report online portal is down at the moment, which is an issue unto itself. The officer told me that in order to file a report with the XXXX, I need a notarized affidavit from the bank in question. I asked how to obtain that information, and she recommended I go to a branch of the bank. 

The next day on XX/XX/XXXX, I went to the Capital One branch at XXXX XXXXXXXX XXXX XXXX XXXXXXXX in XXXX. I went to the teller, explained the situation and the information I needed. She informed me that the branch is a payments branch rather than a part of Capital One 's credit card group, so she doesn't have access to credit card data. She brought me over to a customer service representative at the branch, who connected me directly via their desk phone with their credit card division. The person on the line in their fraud department informed me that the account had already been closed due to a claim that this was fraud, however, she did not know what an affidavit was or if they were able to send this information to me. She put me on a long hold, after which she confirmed that Capital One does not send notarized affidavits to customers.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

On or around XX/XX/2024 I notify Equifax that some inaccurate accounts that does not belong on my consumer report a notice of under 15 USC 1681c 2 ( a ) I have a rights to dispute these accounts, and launch an re-investigation to remove this account notated that equifax had four business days upon receipt to delete and block these accounts. I have provided all requested documents as proof. These companies are violating my rights because did not provide them written consent report this information. And then a second transaction which I was not included on has occurred I demand to remove these accounts from my consumer file immediately See attachments.