davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi, This matter is with Bank of America. I had a line of credit with them and each month I make a {$100.00} payment. In XXXX I made monthly payments as usual. Then I received a late notice ( I can not remember the exact date, but it was the later half of the year ). I called BofA and found out my payments were going to an Unapplied Account, but they do see the payments and said they will move the funds over to my account. At that time, I did tell them that this had happened to me a few years back also ... my payments were being applied elsewhere, and then I would get a late notice, I had to call to get them to reapply it to my account... 
Then, a few months later in XXXX, it happened again, this time when I called, the Rep said the same thing again, that they see the payment but it's in the unapplied funds account. The difference this time was she told me that the loan had matured and I had to pay it off. So I said ok, and I paid it off. 
Fast forward to XXXX, I'm in the process of refinancing my home, and that was when I found out that BofA reported me 4-5 months paying late. I tried calling BofA multiple times. First time they said their reporting is accurate, I tried disputing it but got no response. Third try got no response either. But the Rep told me she will send me the payment history on file and I can file a report with the Credit Bureaus. When I got that statement I sent it to my lender. He told me the statement was hard and confusing to read, which I do agree. But that goes to show that BofA was messy applying my payments. So I printed out my payment history from my bank also, which clearly shows I made my payments each month, and made a payoff amount of {$4000.00} in XXXX. 
So my lender suggested I also file a dispute with the 3 credit bureaus. He wrote the cover letter for me and told me to mail it with my payment history. So I Certified Mail them on XX/XX/XXXX. I received the Dispute Result letter yesterday XX/XX/XXXX. The results says the " Outcome Remains '' I feel that XXXX also failed me. I sent in my payment history as proof that I was never late, and they didn't even take that into consideration. 
I would like to file this complaint on both Bank of America and XXXX. Bank of America for reporting inaccurate information and not correcting the issue, and XXXX for not doing their due diligence on my behalf. 
I can send you the payment history statement that BofA sent me and also my payment history that I printed out from my bank for you to review. 
Thank you for your time and I hope you can resolve this issue for me.
Consumer complaint received 2020-02-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OR)

The previous mortgage servicing company, XXXX, apparently went out of business and the new mortgage company, Newrez took our account over on XX/XX/XXXX of this year. I had to wait until XX/XX/XXXX to make my payment online because Newrez was not prepared to process payments until then. I have always made my payments online and almost always on the first of the month. When I went to make my payment I found that the site was charging me {$1.00} to make the online payment. I called Newrez and their representative assured me that the site should not have that charge on it and that I would be reimbursed. I went online to make my XX/XX/XXXX payment only to find that the site again is charging {$1.00} to pay online. This is a violation of my mortgage agreement and Newrez is perpetrating a fraud on myself and other mortgagees. 

I sent an email to Newrez via their " contact us '' link on XX/XX/XXXX indicating that I wanted action taken on this matter. I advised them that I would contact the Federal Consumer Protection Bureau if they did not get back to me. I provided them with my phone number as requested on the Newrez " contact us '' site. I have not gotten any call.
Consumer complaint received 2022-07-11
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC (MD)

On XXXX XXXX I consumer, XXXX XXXX purchase a car through XXXX and it was finace through American Credit Acceptance. On XXXX XXXX I called the police because my car was missing. They told me it was repossessed by American Credit Acceptance. I am not sure as to why they repossessed my car ( XXXX XXXX XXXX XXXX ) I never received communication from them nor did they mail me anything pertaining to my vehicle. This is a violation of 15 USC 1666. They never notified me on an late payment. Nor make my account late or past due or their banking system. Or with the credit bureaus. This is nothing more than my rights because violated and my character being defame. Which is an violation according to XXXX5 USC 1692. This is nothing more than an billing issue. I am demanding my vehicle to return to my address that you have on file. Attached is my license to help identify myself.
Consumer complaint received 2018-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FINEX Group LLC (VA)

CFPB closed my previous complaint on XXXX for whatever reason and then the same company, FINEX Group XXXX XXXX XXXX XXXX XXXX XXXX called again saying I owed a debt? I NEVER received anything in writing from anyone for a debt. I have NO Debt, No mortgage, No Car, No credit card, etc. Their Web site says their address is Permanently Closed. Please put these scammers in jail.
Consumer complaint received 2023-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX I am writing to dispute several delinquencies that are currently reflected on my consumer credit report. According to my records, these delinquencies are inaccurate and should be removed from my credit report. 
The delinquencies in question are as follows : XX/XX/2022, Confirmation Number XXXX, {$250.00} XX/XX/2022, Confirmation Number XXXX, {$250.00} XX/XX/2022, Confirmation Number XXXX, {$220.00} These delinquencies are inaccurate, and XXXX XXXX XXXX has claimed responsibility for the mistake verbally. I am requesting that these delinquencies be removed from my credit report as soon as possible. I understand that the Fair Credit Reporting Act requires that credit reporting agencies investigate any disputes within 30 days, and I request that you complete your investigation within this timeframe. 
I have provided supporting documentation such as confirmation for payments to support my dispute. Please let me know if there is any additional information that you need from me to complete your investigation. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2018-10-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I LIVE IN A ROOMING HOUSE, MY IDENTITY WAS STOLEN AND MULTIPLE APPLICATIONS AND INQUIRIES WE MADE FRAUDULENTLY UNDER MY NAME. MY ROOM WAS BROKEN INTO YEARS AGO AND ONCE AGAIN RECENTLY..I NOW HAVE PROTECTION SO THIS WILL NEVER HAPPEN IN THE FUTURE..

PLEASE NOTE THERE ARE ( 5 ) FIVE HARD INQUIRIES FROM THIS SAME COMPANY ON MY REPORT FRAUDULENTLY. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 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 : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have 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.

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 2017-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION (TX)

A credit card account was opened by someone within the bank under my name and used. I 've contact all  XXXX  credit bureaus several times but NAVY federal credit union told them those account is mine, I sent NAVY federal credit union FTC 's Identity Theft Affidavit form and they never resound to my request to provide me with verification of account belong to me. As of today NAVY federal credit union keep reporting to credit bureaus with delinquency info in my credit report, which made several lenders to deny home loan refinance.
Consumer complaint received 2018-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX DOB : XX/XX/XXXX EXPERIAN XXXX XXXX XXXX, TX XXXX Date : XX/XX/XXXX To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate and unverified late payments listed by XXXX XXXX XXXX. 
I challenge the accuracy, compliance and reportability of this listing because during the time the company was reporting these late payments I was never notified of the late payments being reported. I never even received statements. 
1. 120 DAY LATE PAYMENT IN XX/XX/XXXX 2. 120 DAY LATE PAYMENT IN XX/XX/XXXX 3. 120 DAY LATE PAYMENT IN XX/XX/XXXX 4. 120 DAY LATE PAYMENT IN XX/XX/XXXX 5. 120 DAY LATE PAYMENT IN XX/XX/XXXX Please validate this information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Consumer complaint received 2023-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was the victim of identity theft which resulted in some accounts being opened in my name by fraud. I have filed a report with the Federal Trade Commission, and I also reported the issue to the companies where the accounts were opened. 3 ) Please send me a complete and current credit report, free of charge, per the Fair Credit Reporting Act, Section 612 ( c ) ( 3 ).

4 ) Please remove the following accounts which were opened by fraud within 4 business days, per FCRA Section 605B ( a ) : I am seeking your assistance with the following items : XXXX. XXXX XXXX {$11000.00} Acc # XXXX XX/XX/XXXX XXXX. XXXX XXXX {$22000.00} Acc # XXXX XX/XX/XXXX XXXX. XXXX {$22000.00} Acc # XXXX XX/XX/XXXX XXXX. XXXX {$33000.00} Acc # XXXX XX/XX/XXXX XXXX. XXXX {$12000.00} Acc # XXXX XX/XX/XXXX XXXX. XXXX {$29000.00} Acc # XXXX XX/XX/XXXX XXXX. XXXX {$12000.00} Acc # XXXX XX/XX/XXXX XXXX. XXXX {$2300.00} Acc # XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I requested to get my credit file pursuant to 15 USC 1681a ( a ) ( g ) in 2021 and i still have not received it.
Consumer complaint received 2024-02-07
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. (FL)

I filled out a FTC identity theft report on XX/XX/24 to report potential identity theft affecting my credit profile. Upon reviewing my recent credit report, I discovered unauthorized accounts and transactions that strongly indicate fraudulent activity. I did not initiate or authorize these entries, confirming my status as a victim of identity theft. the unauthorized account and transactions are attached in the Identity theft report I have uploaded.
Consumer complaint received 2019-03-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (MA)

Over the last several years we have had difficulties with Selene Finance mortgage company. It started several years ago when we missed a few payment due to unforseen, mainly some huge medical bills and other circumstances. At that time we tried to work things out with them to modify the loan. They told us in order to modify we had to be six months behind in payments. They advised us to not pay for six months and then we would be able to modify/refinance and pick up with payments at that time. We stupidly believed them, used our income to pay huge medical bills and waited to modify with them. Instead, they began the foreclosure process on our home. We ended up having to file bankruptcy due to this and due to an XXXX XXXX XXXX XXXX error on tax returns that had us owing thousands back. Then, over the course of the next five years, Selene would continue to tell us that we were behind in our mortgage when we knew we were not. Selene has admitted on several occasions that they " lost '' or " forgot to apply '' several payments that we had made to them. We pulled all our bank records several times for evidence and when we proved we had made the payments, they suddenly " found '' them and were " not sure why they were not applied ''. This happened again in the past month. The sent a bill stating there was an overdue amount. We asked them to send us a record of payments and it was clear from the record that they had received all payments. After they looked they discovered they had not been applied. This has happened several times, has effected our credit, has effected our bankruptcy case and has causes an extraordinary amount of stress in an already stressed out home with a child with a severe XXXX XXXX XXXX.
Consumer complaint received 2021-05-10
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: BARCLAYS BANK DELAWARE (NY)

On XX/XX/XXXX I put a deposit for a front entry of {$5200.00} with XXXX XXXX XXXX in XXXX NJ. The merchant said the door will take approx 4 to 8 weeks to get installed. 
After numerous calls and discussions and delays the merchant said he can install door on approx XX/XX/XXXX. Merchant came to my home with supposedly my door but cracked the glass. Merchant stated it would take approx 2- 4 weeks to get new glass and the re install. After I called numerous times to see about status the owner could not not give me a date. After more calls and heated discussions for 2 months I decided that I needed to get a refund from credit card company Barclays Bank. I initiated dispute in writing on XXXX XXXX. The bank refunded my {$5200.00} on XX/XX/XXXX and the reinstated said charge on XXXX XXXX stating the owner / merchant proved his side of the case / How is that possible? I still have no door / the merchant never once contacted me about status of order or possibility of completing job! So, XXXX wants me to pay for a product in which I have NEVER received? If the owner / merchant refuses to communicate with customer how is this ever going to get resolved / But I'm out {$5200.00} dollars.
Consumer complaint received 2022-03-30
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2018-10-28
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (MA)

I LIVE IN A ROOMING HOUSE, MY IDENTITY WAS STOLEN AND MULTIPLE APPLICATIONS AND INQUIRIES WE MADE FRAUDULENTLY UNDER MY NAME. MY ROOM WAS BROKEN INTO YEARS AGO AND ONCE AGAIN RECENTLY..I NOW HAVE PROTECTION SO THIS WILL NEVER HAPPEN IN THE FUTURE..
Consumer complaint received 2018-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

I have been submitted to the company ( 4 ) 609 letters requesting that the account be verified- that they never did- or remove immediately- that they never did as well - and this is against FCRA.
Consumer complaint received 2022-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (TX)

I applied for the Barclays XXXX XXXX card on XX/XX/XXXX and have had multiple issues with this card ever since that date, none of which are resolved by calling into their customer service. 

Upon applying online for the card, an offer was made for a 0 % apr balance transfer from any card I prefer. This offer/checked box on the online form showed no direct information of being applicable to have a fee, nor did the brochure spell out a fee involved. Nor was there a popup of any kind to notify me of the fee. 

3 weeks later, I went to use my card on vacation and was decline, at this time I had made at least two payments even though I had yet to receive a formal bill. Multiple times that day my card was declined. I checked online and was over {$1000.00} away from being close to my limit. I called and was told my balance transfer had been completed and that it counted against my available credit limit. At the time I requested a balance transfer, I received no confirmation that it had been accepted or had actually taken place, no text, mail or email explaining the balance and the website did not reflect it. 

I kept sending payments to help get the balance down, even though no bill had been issued. 

Today ( XX/XX/XXXX ) I was checking into my statement and see a fee of {$90.00} that occurred on XX/XX/XXXX, for a balance transfer. I called and they told me there was a fee charged to do a balance transfer ( the transfer they never made me aware that had occurred, and along with a fee that I was never notified of or made aware of ). Currently, I'm still on an hour hold waiting to speak with a supervisor who's employee has already told me that I should've been aware of this " fee '' when I applied ( though there was no notification on their website while applying for the card when the transfer " special '' was offered ) and that I should give up because no one will credit me that fee back. 

Again, never received any mail or email or text confirmation that any balance transfer had been completed in any of this time frame. 

I'm at wits end with this card and feel so taken advantage of by this organization and at the way the card was promoted on the XXXX XXXX flight we were on. No one ever seems to be able to resolve my issues when I call them and they leave me talking to brick walls over sneaky and unethical methods to charge fees to unsuspecting credit card applicants and users. 

Please help.
Consumer complaint received 2018-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please remove the following fraudulent inquires from my TransUnion credit report : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-12-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (TX)

Credit Control LLC has sent me a collection letter for a debt that I do not owe. It even says on the letter that the age of the debt makes it non suable and not reported to the credit agencies. The issue is that it has been reported to the credit agencies and I do not owe this debt. 

My identity was stolen years ago and I have worked hard to have excellent credit. I do not want this on my record.
Consumer complaint received 2022-02-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2018-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I paid my capital one cc ending in XXXX on XX/XX/18 the date it was due before XXXX I was charged a late Fee of {$25.00} for late payment after XXXX XXXX   even though I paid on time!!! 
I paid other capital one cards the same day same time and had no problem I am ell aware of the cut off time I asked two different reps To overturn the late fee, and they would not do it. 
This late fee is hurting me, as it is as much as my monthly payment! 
Please help