davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX of 2013, I suffered a life threatening XXXX  injury which caused me to be in the hospital for several months. During that time a person by the name of XXXX XXXX, who I do not associate with anymore, gained unauthorized access to my bank account through Bank of America and stole over {$20000.00} from me while I was in the hospital. When I got out of the hospital, there was only {$40.00} in my account. While attempting to resolve this issue, I spoke to two representatives from the Bank of America complaint center and they were absolutely no help. XXXX ( unsure of the last name ) in the state of Utah and XXXX XXXX in the state of Maine. I asked them why my account was closed in 2013, and they stated that I had a pattern of late payment history. Ive never been late paying anybody, however I couldnt pay any of my bills while in the hospital fighting for my life. I asked the representatives to provide the dates I was late paying and they could not provide me any dates.
Consumer complaint received 2022-05-04
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: EQUIFAX, INC. (GA)

It's been so agitating waiting for Bureau 's feedback to my previous complaints about getting some incorrect stuff in my report. All the inquiries and incorrect personal information that are reported were truly unfamiliar and unauthorized. I have been sending you written requests to get rid of these inquiries and personal information but you have failed to do it or at least notify me about the status of my requests. Below are the unfamiliar inquiries and incorrect personal information I am disputing.

EMPLOYER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX INQUIRIES XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-21
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: OneMain Finance Corporation (MO)

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX account number XXXX has violated my rights, XXXX XXXX XXXX account number XXXX has violated my rights, XXXX XXXX XXXX XXXXXXXX account number XXXX has violated my rights, XXXX XXXX XXXX  ACCOUNT NUMBER XXXX has violated my rights balance for acct is {$350.00}, XXXX XXXX XXXX has violated my rights for acct XXXX Balance XXXX XXXX XXXX account number XXXX has violated my rights, XXXXXXXX XXXX  account number XXXX Balance XXXX XXXX XXXX has placed multiple accts on on my XXXX XXXX XXXX  has violated my rights, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Balance XXXX dollars, XXXX XXXX XXXX  XXXX account number XXXX has violated my rights balance is {$720.00}, XXXX XXXX XXXX account number XXXX, 15 U.S.C. 1681 section 602 A. States I have the rights 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 2022-07-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

XXXX XXXX  sold our loan to Freedom Mortgage in XX/XX/XXXX. Back in XX/XX/XXXX XXXX offered us assistance to pay that month ( repayment plan ) in the amount of XXXX in 6 consecutive months between XXXX XXXX XX/XX/XXXX. Which we have done without a miss. The amount included XXXX regular monthly payment plus XXXX. Since the transfer in XXXX, we have continued paying the agreed repayment plan now to Freedom Mortgage. However, Freedom Mortgage has been holding every XXXX payment we have made to them and even to Roundpoint placing it in suspense account according to the Loss Mitigations Department at Freedom Mortgage. Therefore, making our account delinquent an entire month. Each payment we've made to Freedom the reps state that the payment will be accepted to pay the previous month. When asked why they are holding our money/ payment they state different answers including its not a full payment or simply that they don't know. We have sent Freedom Mortgage the XX/XX/XXXX repayment agreement paperwork from XXXX and even bank statement spending hours, days and months trying to seek help without any resolution. We express our concerns including all of this leading up to negative reports to the bureaus, NOTHING ; also, if there is any particular department / manager whom we could speak to, but they all state we are assigned to Loss Mitigation, and they send the information to some unknown department. Last person from Freedom I spoke to on XX/XX/XXXX, named XXXX # XXXX, said he was building my case to inform the XXXX XXXX. As of today, and within the last almost three months now, nothing has been resolved. Over the past months the communication of their findings is that we owe for a previous month nothing about our money, for XXXX, that they are holding on to that is supposed to repay agreement between XXXX and us. All payments have been made in full. They are going against the agreement as it was transferred to them and keeping our money.
Consumer complaint received 2023-01-16
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. (NC)

I sent a letter out XX/XX/2022 to Equifax XXXX XXXX, however its been more than 60 days and the credit bureaus failed to send my investigation back after many attempts to correct there inaccurate date they have been reporting. this is not making sense. 

According to the law 15 U.S Code 1681i- Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer notifies the agency directly. they are in violation and haven't complied with the consumer laws that the government has put in place.
Consumer complaint received 2022-07-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (NC)

I XXXX XXXX and XXXX XXXX has received a retail installment contract- consumer credit document in the mail from Credit Acceptance . Upon looking at this document i notice several violations against me the Consumer one in particular is US code 15 USC 1605 it appears that the apr for my state North carolina the max is set 8 % and should not go over 16 percent. I didnt agree to the charges and neither were they disclosed me prior to agreeing to this document. As another violation i came across is US code 15 USC 1635 the right to recision. I was never made aware that i could rescind this contract in 3 days. Its stated no where in the contract. Also there is US code 15 USC 1640. Due to the constant calls numerous times a week from different numbers from michigan and private phone calls that also cause problems in my life you have also violated US code 15 1692k.I know that with all violations listed that I am entitled to a refund of all moneys paid to the debtor Credit Acceptance. Including the cash down payment on this credit transaction that i use my social security number to purchase. Also I am asking that this be removed from all consumer reports, as well as the title to the real property and lien be removed.
Consumer complaint received 2020-12-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RESIDENTIAL HOME FUNDING CORP. (FL)

I am looking for a good rate to refinance my home. I saw a rate of 1.75 % for 15 years with zero fees and zero points advertised by RealFi mortgage in XXXX when I searched with my loan scenario. There was an option to provide my details and the loan officer  would get in touch. XXXX XXXX - NMLS # XXXX | Company NMLS # XXXX was the loan XXXX who reached out to me from XXXXXXXX  and he was very ignorant about the advertised rate and mentioned that the 1.75 % rate would involve a {$2100.00} origination costs. The loan officer even promised the same via email. Since I was convinced by his promise I accepted for the hard enquiry on my credit score. After he pulled the credit and even when I am in exceptional credit category he provided me a loan estimate where the origination costs is {$3700.00} which is {$1600.00} more than the promised origination costs. When I enquired about it he said {$2100.00} was the discount points and there will be fees on top of it. But according to his written promise In email the origination costs which is the section A of loan estimate is {$2100.00}. This has caused my credit score to drop drastically and when I talked to his manager XXXX XXXX regarding this, he was not ready to help. I feel cheated by the XXXX lender and I would expect the consumer protection forum to intervene in this and provide an appropriate solution.
Consumer complaint received 2022-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2018-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WI)

I am having difficulties retrieving my credit file and applying for credit. I have requested multiple times to have the extended fraud alert removed from my file. However, for some reason, the CRAs continue to display this alert. The alert is causing undue delays in retrieving my own credit reports and acquiring needed lines of credit. PLEASE SEE THE ATTACHED FILES TO SEE MY FORMAL REQUEST FOR REMOVAL OF THE EXTENDED FRAUD ALERTS.
Consumer complaint received 2020-12-14
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: Experian Information Solutions Inc. (WA)

Hard dates for reference - XX/XX/XXXX is the date my wife moved out, - XX/XX/XXXX is when I met with a an attorney who was referred to me by a friend of a friend, - XX/XX/XXXX is when I had been charged without authorization. 
- XX/XX/XXXX actually divorce filed my wife and I were separating just after the XXXX  of XXXX and she moved out on XX/XX/XXXX this is when I went to speak with an attorney who was referred to me by a friend. Upon speaking with the attorney I let him know the first in for most important aspect of this process is the kids because I do not want to lose custody or have anything happen to them. He told me that he would look into it and get back to me. Then he asked how much $ I had. This brought up the conversation of retaining him at which point I said that right now I have roughly XXXX dollars and a little over XXXX available credit on my credit card. However if he could make sure nothing happened to the kids and I was for sure to be filed for divorce against than I would use His services for that as well. 

Within two weeks Of meeting with this attorney I was notified of this date taking the kids and putting them into foster care. At which point I then called said attorney mentioned above who indicated that he hadnt heard from me yet so hadnt done much to or inquired about my kids. This was absolutely unprofessional inappropriate and bleeding and negligible act. 

It wasnt until XX/XX/XXXX that I finally heard from my wifes attorneys and the divorce was not actually filed for another week after that however I then found that the attorney mentioned Above have charged my credit card on XX/XX/XXXX for {$3100.00}. 

I tried to dispute this with XXXX XXXX on a couple different occasions both times I was told that I didnt have proof so I could not challenge the charges. The only thing I signed with the merchant was a letter of intent but never approved a charge to my card. In fact the divorce wasnt even filed until XXXX and the attorney that I hired and actually represented me during my divorce was retained XX/XX/24 or so which is a full 6 weeks after meeting with this merchant. 

Attached youll find documentation to support the above and would love to get this rectified off my credit and refunded accordingly.
Consumer complaint received 2017-12-30
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Quality Asset Recovery LLC (NJ)

The XXXX XXXX XXXX called me to arrange the debt that allways increased and the reson was the amount of my copay was XXXX and I allways been charged XXXX every visit. 
I paid XX/XX/XXXX XXXX dollars and I told the lady to charge XXXX every month in which they never did and put in to collection. Qar llc sent me a letter in which I put my credit card information with XXXX dollars again, received several calls from QAR LLC and they asked my own information and using profanity language because I dont gave my personal information from stranger callers. 
Now I open my credit information and see 3 collections with different amounts that I dont owe that amount.
Consumer complaint received 2021-11-14
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: Experian Information Solutions Inc. (NC)

After carefully reading and reviewing all 3 of my national credit reports, Experian, XXXX and XXXX XXXX I had discovered there is a trade line from a company located in California called, " XXXX XXXX XXXX ''. They have been reporting this fraudulent, derogatory and negative trade line since XX/XX/2015 and it is showing on my credit reports as a repossession. 

I never had any car loans or car leases with this XXXX XXXX XXXX XXXX and I never co-signed for anyone for a car loan or car lease. Since this fraudulent, derogatory and negative trade line from XXXX XXXX XXXX has been on all 3 of my national credit reports, Experian, XXXX and XXXX XXXX I have been unable to obtain any car loans or car leases and it has damaged my credit reports, credit history and my credit scores. XXXX XXXX XXXX is reporting to all 3 of the national credit agencies Experian, XXXX and XXXX XXXX that I owe them a balance of {$7800.00} ( XXXX XXXX XXXX XXXX XXXX XXXX dollars and XXXX cents ) and I do not owe them anything because I never had any car loans or car leases with them ever. 

I have called this XXXX XXXX XXXX XXXX in California multiple times on the telephone and when I explained the situation to one of the customer service agents I spoke with, they indicated that this fraudulent, derogatory and negative trade line would be deleted and removed from all 3 of my credit reports, Experian, XXXX and XXXX XXXX. 
After running all 3 of my credit reports again the same fraudulent, derogatory and negative trade line from XXXX XXXX XXXX in California is still appearing on all 3 of my national credit reports ...!
Consumer complaint received 2020-12-14
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: Fidelity National Information Services, Inc. (FNIS) (TN)

I have an inquiry on my Chexsystems report that I did not authorize. I am a victim of identity theft. The following inquiry was made without my knowledge or approval. 

XXXX XXXX on behalf of XXXX Date : XX/XX/2020
Consumer complaint received 2022-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

There is a collection account on my consumer report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. in this case PORTFOLIO RECOVERY ASSOCIATE is attempting to collect XXXX XXXX XXXX XXXX XXXX. These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer report.
Consumer complaint received 2023-04-10
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: Experian Information Solutions Inc. (NV)

I happen to check out what was going on with my credit report. I noticed an inquiry, that does not belong to me. Please remove this from my credit report immediately as this is poor judgment with on my credit worthiness. 

XXXX XXXX XXXX Acct # XXXX Balance {$15000.00} XXXX XXXX XXXX Acct # XXXX Balance {$2400.00} XXXX XXXX XXXXXXXX Account # XXXX Balance {$1500.00}
Consumer complaint received 2022-06-10
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: Experian Information Solutions Inc. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2020-12-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (CT)

On XXXX/XXXX/2020 I received a statement from TD Bank. It read that I opened a Checking account for {$20.00}. Called TD Bank on XX/XX/2020 to report that I did not open this account. 
I was told that there was a saving account in my name also. Td Bank put a freeze on those accounts. They also told myself that I need to report this to the Federal Trade Commission And Social Security
Consumer complaint received 2023-04-10
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: Experian Information Solutions Inc. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2022-06-10
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. (AL)

So I sent a letter on XX/XX/2021. To remove personal information that i don't want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy, also according to 15 USC 6802. No Financial institution is not suppose to share my informant ion to third party people,
Consumer complaint received 2020-02-01
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (CA)

My bank bill pay stopped sending auto payments to my student loan company without my knowledge. I was unaware of this and was not contact by AES until after the payments were 60 days late. Once they called my I immediately issued payment, cleared up the issue with my bank autopay and continued making regular payments. I was then rejected for a home loan and car loan making it really difficult for me to care for my family. Upon learning from the mortgage company that I had a 60 day late payment from AES I took action. I explained my situation to AES and send them a letter requesting a Goodwill removal of the late payments. They immediately sent me a rejection letter. 
For 10 years I have paid on time and having student debt is a challenge for me and many others. To have a student loan company so quickly reject a goodwill request and harm me and my family is infuriating. 
AES 's new policy surrounding approved forbiddances covering and reversing any late payments should be illegal and is harmful to many. Please help me by looking into this immediately.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I sent the consumer reporting agencies a letter asking them to investigate late payments on my XXXX XXXX account due to the incorrect, incomplete and inaccurate reporting. The agencies removed the inaccurate reporting and place a new late payment on my account. At the same time the new late payment was placed on the account the decrease also decreased. Its blatant that the account can not decrease in payment and also be late at the same time. Attached is the proof of this false information. There is also lots of increase to my balance throughout the months and I sent a letter of investigation regarding is this acceptable per the federal government, FCRA, TILA, FDCPA because this entire account has been full of inaccuracies and violations. Please remove this late payment as it is detrimental to my health and livelihood.