davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

My property is in XXXX, Hawaii and I am very affected by the wildfire disaster. I have not been granted any forbearance all though I have requested one, and I qualified for one as my work place was destroyed in the fires. 
I believe Bank of America and Their investor XXXX XXXX XXXX XXXX  are using the guise of a modification to gain interest income and force me to lose my home with a XXXX ballon payment. 
XXXX XXXX XXXX XXXX XXXX XXXX opened with XXXX XXXX 
XXXX Applied for an was denied HAMP Modification without giving any valid reason. 
XXXX 18 month forbearance due to loss of income from XXXX. 
XXXX Granted Forbearance for {$110000.00} added to XXXX due at end of loan ( Maturity or sale ) XX/XX/XXXX Applied for and was granted a modification due to XXXX related hardship and unaffordable payment ( interest rate was also going up XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Given incorrect information about payments, my XX/XX/XXXX payment was applied to XXXX trail modification. 
XX/XX/XXXX Made XXXX XXXX Modification payment I was never disclosed the terms of the modification until XX/XX/XXXX The terms when disclosed are PREDATORY in the guise of an instrument that should allow me to KEEP my hom, not just for a few years BUT FOR MY LIFETIME. Keeping affordable payments. 
Instead, it creates a huge debt by placing the forbared amount back into the loan. Recasting the loan at a 40 year duration, with a fixed ESCALATED interest rate that starts at XXXX and goes up a percentage each year XXXX until fixing at 8.25 % for the final 4 years, making the payments not affordable and THEN a XXXX BALLOON payment due in XXXX when I should be owning my home outright. 
In calculations this ill provide the investors with MORE interest income then my current loan that would be paid off at the same date the modification would create a XXXX balloon payment. This would mean I would loose my home if I could not produce those funds in some fashion, which is not a reasonable assumption. 

Since this offer is predatory and I was forced into partial payments before knowing the terms, nothing should be reported to agencies as I am still making partial payments as agreed, until an acceptable, ethical and non predatory modification is offered.

I am prepared to take legal action for the many times Bank of AmericaXXXX has failed to provide the relief they have agreed to give to consumers such as myself and taken XXXX of dollars to do so.
Consumer complaint received 2021-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account is reporting inaccurately. I have NOT been provided with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings (MA)

In XX/XX/2022 I moved out of XXXX at XXXX XXXX. I left in good standing. When leaving I asked the manager to do a walkthrough, she said it wasnt necessary and told me to leave the keys at the office with my forwarding address. I did. Havent heard from them since moving. Received a notification on my XXXX XXXX  saying there was a collections report filed by them. The next day I contacted both the manager and regional manager and received no information. When calling the collection agency they said I owed XXXX due to damages. Never got my security deposit back and did not receive any phone calls letters or emails from residence at XXXX XXXX saying I had a balance.
Consumer complaint received 2020-01-16
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. (TX)

Someone used my information without my authorization to get a house or apartment and now they are coming after me and tarnishing my credit report. They contacted me from XXXX XXXX XXXX saying I owe {$3400.00} this is outrageous please help!
Consumer complaint received 2020-03-10
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: RoundPoint Mortgage Servicing LLC (CA)

I have found myself in the midst on an identity theft issue that has effected a credit report. a couple accounts were opened and inquiries added, although i know i have not applied or tried to open any new accounts XXXX XXXX XXXX  on XX/XX/XXXX with an XXXX balance is not an account i authorized. ROUNDPOINT MTG opened on XXXX XXXX XXXX
Consumer complaint received 2020-01-16
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. (TX)

Someone used my information without my authorization to get a house or apartment and now they are coming after me and tarnishing my credit report. They contacted me from XXXX XXXX XXXX saying I owe {$3400.00} this is outrageous please help!
Consumer complaint received 2022-02-24
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2020-03-10
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 (GA)

I mailed the companies a hard inquiry removal letter on XX/XX/2020 with companies that I did not recognize on my credit report and when I call the companies to see if the have received the letters they stated they did not receive them. I believe this to be false and would like to your company to file a report also.
Consumer complaint received 2018-03-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I applied for a loan modification three times starting in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and was never aproved..I was never informed as the reason, I called them every month to let them know that it was getting harder for me to make payments since my wife had lost her job.InXX/XX/XXXX JPMorgan Chase sent me a loan modification and asked me to sign it, even thou I didnt like the content of the loan they added XXXX to it so I signed it, because they told me over the phone that if I didnt sign it they would start forcloser procedings.At no time has JPMorganChase Taken any action to resolve this
Consumer complaint received 2022-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (CA)

I filed a dispute with XXXX unauthorized transactions. Chime sent a letter XXXX was refunded and XXXX determined to be no error made. I then asked for proof showing they investigated XXXX charges and they sent a XXXX page response covering all XXXX transactions which is a joke as they were mostly different merchants. Getting nowhere, I contacted one of the merchants and discovered that someone had opened an offshore gambling account and the casino received the request for chargebacks totaling {$1500.00} by Chime and they obliged ... .CHIME STILL GAS NOT Refunded MY $ $ though the merchant had reversed the $ $ and is not fighting the unauthorized claim... this is illegal. If not resolved I will open arbitration mega case
Consumer complaint received 2023-08-06
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: Eastern Account Systems of Connecticut, Inc. (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 


15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
Consumer complaint received 2023-02-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (TX)

On XX/XX/XXXX purchased a XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX, XXXX  for {$14000.00}. Total loan amount financed {$25000.00}. I also paid {$1400.00} for a 2 year or XXXX miles extended warranty. Car was financed through Credit Acceptance Corporation for XXXX interest for 60 months. Car developed air conditioning problems within 2 weeks. Took to dealer who made me pay {$600.00} to have fixed. Two months later car stopped on a major highway and had it towed back to dealer to fix the problem under the extended warranty. Car stayed at dealer not fixed. We called extended warranty company who said that dealer would not provide information they requested. Car has been at the dealer not repaired since XX/XX/XXXX. Dealer advised me last week that it will cost {$11000.00} to put in a new motor and make repairs. I wrote to Credit Acceptance and told them about the car not running for months and that I would not pay for a car I could not drive and that the dealer refused to fix. I stopped making payments. I cancelled the insurance on the car. I told Credit Acceptance that I was surrendering the car and asked them to cancel the loan because I did not get what I bargained for. Credit Acceptance told me I had to pay for the car. I again notified Credit Acceptance on XX/XX/XXXX that I was surrendering the car back to them. I will not be forced to pay for a junk car, almost 23 percent interest for 60 months and the car has been broken down and undriveable since XX/XX/XXXX. The dealer refuses to fix under my extended warranty.
Consumer complaint received 2020-03-10
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)

It seems this account is from XXXX. I have never opened nor applied for anything thing with this company. I've tried to dispute with this company on several occasional letting them know I don't owe them for an account that don't belongs to me. I have even called this company several times but never able to get a hold to anyone, the phone disconnect after it ask to enter your phone. I have never applied nor received anything from this company. For years this company has been reporting {$310.00} to Equifax, {$170.00} to XXXX, and possible unknown amount to XXXX.
Consumer complaint received 2020-01-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

i was a victimm of fraud. someone used my debit card to obtains items. i called bank of america to close my card and report it lost. they opened a claim and later denied my claim. i called them to reopen my claim because this was fraud and they had me wait 6 months to later denied my claim again with no explanation.
Consumer complaint received 2022-02-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIRST INTERSTATE BANCSYSTEM, INC. (IA)

XXXX XXXX BANK WAS CLOSING MY CHECKING ACCOUNT ON XXXX. ON THAT DAY XXXX PRINTED A CASHIERS CHECK IN THE AMOUNT OF {$4600.00} WHICH WAS MY CLOSING BALANCE AT THAT TIME. XXXX THE BANK MANAGER IN THE DOWNTOWN LOCATION INFORMED HER THAT SHE WAS NOT TO SEND MY CASHIERS CHECK OUT BECAUSE I STILL HAD WITHDRAWLS AND DEPOSITS COMING IN AND OUT OF THE ACCOUNT. ON XXXX THE BANK DEPOSITED MY CASHIERS CHECK OF {$4600.00} AND THEN IMMEDIATLEY FORCED THE {$4600.00} OUT OF THE ACCOUNT. NOW I WAS TOLD THEY DEPOSITED MY CASHIERS CHECK OF {$4600.00} TO COVER TRANSACTIONS COMING OUT OF THE ACCOUNT. NOW IF THE MONEY IS TO COVER TRANSACTIONS WHY WOULD THEY NEED TO FORCE DEBIT THE MONEY OUT, IT SHOULD HAVE BEEN DEPOSITED AND THEN TRANSACTIONS WERE TO COME OUT. WITH ANY BANK WHEN MONEY IS DEPOSITED IN THE ACCOUNT, THE BANK DOES NOT FORCE DEBIT IT OUT YOUR ACCOUNT FOR THE EXACT SAME AMOUNT. THE BANK HAS TO SHOW WHY IT WAS FORCED OUT AND WHAT TRANSACTIONS IT COVERED. THE TRANSACTION DOES NOT SHOW IT WAS COVERED JUST THAT IT WAS A DEPOSIT AND THEN A FORCE DEBIT. I'VE ATTACHED SUPPORTING DOCUMENTS WITH MY CLAIM.
Consumer complaint received 2023-08-06
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

Hello, I'm writing this to see if capital one and XXXX XXXX  can remove a missed Payment that occurred on XXXX of XXXX. At the time I was working as a XXXXXXXX XXXX XXXX XXXX. Due to covid at the time I was laid off and could not get another job because Maryland was on a emergency shut down. Any job deemed not essential was shut down so I was forced to switch job trade to XXXX  since it was one of the few job deemed essential. As soon I stared working I paid off my credit card balance and have not missed a payment since. I have tried many time to dispute the late payments online since the missed payment was due to a naturally declared disaster and many people was affected I could not do anything because of the shut down. Can capitol one please help me remove this blemish on my credit report, it has affected me by limiting my credit score and hindering me from getting loans for houses and a personal loans. I would like to see this missed payment removed. I hope you understand that the circumstance I was put under was out of my control at the time. Thank you so much for your understandin
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION (CT)

XX/XX/22 timeshare help {$10000.00} After preforming a minor audit of my finances I found this fraud charge after filing a claim with capital one I am told they cant do anything because its over 180 days old. I explained to them that I XXXX XXXX XXXX XXXX and take care of wife who is XXXX XXXX XXXX XXXX, and therefore I don't always verify every charge monthly. As soon as I found this I reported it. I found fraud on a different account and didn't have any of these problem I don't understand why Capital One would treat me like this.
Consumer complaint received 2020-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

iam a consumer pursuant to 15 1692, I submitted documents relating to the accounts listed on my credit report to be deleted and blocked under the FCRA, XXXX, XXXX and experian has violated under 15 16810 for negligence and non compliance,15 1681s ( A ) responsibility of furnishers to consumer reporting agencies.Pursuant to 1681i ( a ) ( b ) ( c ) 5 ( b ) ( i ) certification of accuracy of information ( ii ) notice to consumer ( iii ) 7
Consumer complaint received 2020-01-16
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. (PA)

iam a consumer pursuant to 15 1692, I submitted documents relating to the accounts listed on my credit report to be deleted and blocked under the FCRA, XXXX, Equifax and XXXX  has violated under 15 16810 for negligence and non compliance,15 1681s ( A ) responsibility of furnishers to consumer reporting agencies.Pursuant to 1681i ( a ) ( b ) ( c ) 5 ( b ) ( i ) certification of accuracy of information ( ii ) notice to consumer ( iii ) 7
Consumer complaint received 2024-03-16
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. (FL)

I the consumer XXXX XXXX has highlighted a copy of my consumer report displaying the violation of inaccuracy and incompleted reporting.The dates open are inaccurate/incomplete, Date last reported are inaccurate/incomplete, Date of last payment are inaccurate/incomplete, Payment history are inaccurate/incomplete.Transunion is currently reporting inaccurate, incomplete accounts violating the Fair Credit Reporting Act.XXXX XXXX has many account numbers the accounts are XXXX XXXX # XXXX # XXXX # XXXX # XXXX XXXX XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX XXXX has NEVER disclosed CLEARLY to I XXXX XXXX the consumer that my personal information was going to be shared with a XXXX party by the name of Transunion. This is a form of identity theft and I the consumer XXXX XXXX Never gave permission to XXXX XXXX to share my information to Experian.Violations are listed in this statement XXXX. As stated in 15 U.S CODE 1681e ( B ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
XXXX. As 15 U.S Code 6802 ( b ) Opt out ( XXXX ) In general states A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
XXXXAs stated in 15 U.S CODE 1681! ( XXXX ) B contents ( i ) ( a statement that the reinvestigation is completed.
Consumer complaint received 2022-09-30
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I am at a loss of words. My credit reputation is being tarnished by this huge mistake on my credit report which is completely false and misreported. Experian is reporting this record mistakenly on my credit report. The record is also incomplete, which is also another reporting violation.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXXand still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report.P LEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MYCREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX