davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2022-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have a checking account and a debit card associated with Bank of America. 

In XX/XX/2022, there are multiple fraud charges on my card coming from a city in XXXX. 

I am a resident located in XXXX, XXXX and I have never left XXXX. I also don't have anyone known or have relationship in XXXX. I have never been to XXXX which can be proved by my passport. 

The debit card was kept in a box at my home all the times. I am a credit card user and I only carry XXXX credit card with me when I'm outside. The debit card is not even in my wallet. I have only used the physical debit card one time in 2022 before the fraud which is XX/XX/XXXX for cash depositing. Then the fraud charges appears on XXXX. 

The facts above leads to a reasonable doubt that the ATM machine I used for depositing has been illegally modified and my card has been cloned. BOA does not protect it well against the criminals. I made the deposit at the official BOA drive-thru ATM machine located at XXXX XXXX XXXX XXXX 

Cleary these charges are not authorized by me or anyone I know. All of my previous charges comes from XXXX and this is my first international charge in XXXX. Based on my account history, it is obvious that these are fraud charges. 

Regrettably BOA denied my fraud claim and decides to put {$800.00} charge back to my account. BOA believes " The charge was authorized by you or made by someone who has permission to use the card or account ''. I don't see a single evidence or reason that supports this decision. 

As a loyal customer with BOA for 7 years, I am very disappointed at this time. As a well known bank, it can not protect its own ATM machines and tries to put all the responsibilities to the customer.
Consumer complaint received 2019-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America is denying credit based on federally protected characteristics as opposed to credit strength. I applied for their XXXX XXXX credit card. The application went pending, then was denied. I called the reconsideration hotline and the woman told me she would personally reconsider the application. She then denied it stating there were too many inquiries. I asked her how many was too many. She stated she did not know. It didn't make sense she was making a credit decision without any credit guidelines. I then asked to speak with a manager. I asked him the same question : how many inquiries are too many to be approved for an XXXX XXXX credit card? He told me it varied by customer. He also told me he did not have an answer. Since he could not produce credit guidelines related to inquiries, I believe that he and the other representative, who were clearly not based in the United States, are basing lending reconsiderations on XXXX XXXX and XXXX. If there is no standard, why am I being denied as a person with a XXXX name and American accent when they have told me that other people can be approved with the same profile since there is no credit guideline standard? It is discrimination, plain and simple.
Consumer complaint received 2019-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (GA)

first complaint XXXX seemed resolved. 

Trying to make my payment again! 
The number they gave to link or add a bank is merely more general instructions for stupid people! XXXX -- XXXX a Joke! I know how to add routing and account number but it fails! I thought for once, you were offering assistance. 

I can not link a bank! I have screenshots. It says " Sorry, we are not able to process your request. '' same as last month! 

I called the auto pay XXXX It says it doesn't recognize my account! I entered all the correct info, many times. It fails! 

I have never had these problems adding a bank in all these years!!!! 

I will not be charged late fees for these problems!
Consumer complaint received 2018-09-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Corporation of America (CA)

I was billed by XXXX XXXX XXXX XXXX  for 2 tests on XX/XX/XXXX prior to XXXX XXXX. Medicare did not pay for them per summary notice datedXX/XX/XXXX and I was responsible. I submitted an appeal on XX/XX/XXXXwith medicare. I followed up with them several times, finally they issued an adjusted summary notice on XX/XX/XXXX stating I am not responsible for these charges. I informed Financial Corporation of America verbally in XX/XX/XXXX. When I received another letter datedXX/XX/XXXX from them I emailed a copy of the adjusted summary notice from Medicare which showed I was not responsible. Today XX/XX/XXXX I received another collection notice from them.
Consumer complaint received 2018-09-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (CA)

I acquired a car loan from Wells Fargo Dealer Service onXX/XX/XXXX. When I received the car loan, I made all the payments in a timely manner but I noticed each month I was being charged additional fees. In XX/XX/XXXX, I called to find out why my payment was so high and so far behind. I could not get any information other than it had to do with my insurance. I continued calling on a regular basis to no avail until XX/XX/XXXX or XX/XX/XXXX due to the extremely rude and dismissive behavior from customer service on each call. I filed a complaint with the XXXX XXXX XXXX in XX/XX/XXXX. Wells Fargo Dealer Services onXX/XX/XXXX, explaining that they added insurance to my loan on XX/XX/XXXX. In their own letter, they admit to not sending any notices until XX/XX/XXXX, and XX/XX/XXXX. They had been charging me for insurance while I already had car insurance and before they sent notices asking for proof of insurance and not until after I was inquiring about the charges incurred. In XX/XX/XXXX my daughter was in a car accident and the vehicle was totaled. The insurance paid off the remaining balance of the original loan. However, Wells Fargo Dealers Services has put on my credit report that I still owe them {$950.00}. I continued making payments until the insurance paid off the loan. The charge of the {$950.00} comes from the insurance they added without my knowledge or permission. It was added erroneously. This is exactly like the illegal and unethical practices they have already been fined for.
Consumer complaint received 2018-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NJ)

I have contacted XXXX, Equifax and XXXX over the past 3 years via online to remove outdated information on my profile to no avail. Some of these items are over 10-12 years old and should have been removed at year 7. Most of the items have reached the statute barred limitations as well for my state. Additionally, there are some entries on my credit that do not belong to me and should be a case of identity theft and removed as well. I am hoping you can assist with this issue with the credit reporting agencies.
Consumer complaint received 2019-05-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC (IL)

We are hoping that you have some power to push Gregory Funding to provide us a review for mortgage assistance on our home mortgage. We fell behind on our payments due to an unforeseen financial downfall, but are back on our feet and want to keep our home. However, Gregory Funding isnt providing us with the guidance we need to ensure that we can resume making payments on our delinquent mortgage loan. Something is amiss with their representatives as they seem to not care about whether or not we keep our home. We have tried repeatedly to engage them in discussions about a loan modification or forbearance, but our requests are falling on deaf ears. Our mortgage loan qualifies for mortgage assistance and our mortgage payment is affordable, but we can not seem to get the communication going with Gregory Funding. When I did speak with their staff to obtain some assistance, I was treated very rudely. Last year my family had some very serious health issues which cost me almost {$40000.00}. We had to make a choice between taking care of my familys health or fall behind on my mortgage payments. It is unfortunate that we had to become delinquent on the mortgage payment, but we are ready to get our loan current and start making payments again. We tried to be proactive and address this issue and figure something out, but their staff hasleft a bad taste in our mouths and have obstructed us. We feel we have never had an opportunity for review, have never had an opportunity for a real discussion on how to fix our delinquency and feel we have never been given any options other than foreclosure. We have read a lot about how homeowners get helped through a modification or forbearance and are interested in either option that will keep us in our home. We are not sure if you can help, but we believe that you are the right agency to oversee their actions.
Consumer complaint received 2024-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX Balance Owed : {$130.00} XXXX XXXX XXXX Balance Owed : {$510.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$4300.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX Original Creditor XXXX XXXX XXXX XXXX Balance Owed : {$3000.00}.
Consumer complaint received 2018-09-14
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC. (CA)

This complaint is against XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. I disputed a debt by written notice by certified mail, XX/XX/2018. I have yet to receive a completed validation of the debt within the 30 days of the first request with XXXX who was attempting to collect a debt for XXXX XXXX. XXXX XXXX  contacts me in writing XX/XX/2018 informing me that they reported the debt to a credit agency and that if I wanted to dispute this debt, I need to dispute it with XXXX. XXXX XXXX  reported this debt without notification that a dispute was in place. XXXX and XXXX XXXX  have not completed the validity of the debt request and therefore, should not have reported the debt unjustly. Furthermore, I was informed that XXXX XXXX  was required to purchase the debt from Navient, and I was informed in a phone call back in late XXXX that Navient no longer owed the debt, but XXXX XXXX did, so why would I need to dispute a debt that have already been disputed in writing with XXXX and XXXX XXXX. Furthermore, I was contacted by XXXX XXXX XX/XX/2018 informing me that my employer may receive a letter notifying me of wage garnishment. I understand that XXXX XXXX transferred there loan corporation over to XXXX XXXX, so why would they contact me and threaten wage garnishment way before I was permitted to dispute the debt. This is a tactic of intimidation and deceptive in nature. XXXX XXXX failed to disclose that they are a affiliated with XXXX XXXX. These tactics of these companies are not serving consumers, but infringing upon my right and possible others. As a consumer, I am expected to follow their procedural methods to address a debt, and they should be held to the same standard. I am not at all familiar with XXXX XXXX, XXXX or XXXX XXXX until now, and I believe wholeheartedly a scam is openly occurring to damage the credit and lives of many consumers. Please assist in this debacle as it relate to wrongful and unjust credit reporting and deceptive and intimidation tactics in attempt to collect a debt and wage garnishment. I just want fairness and I'm open to what is next. Please help me to attain fairness.
Consumer complaint received 2018-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

In XX/XX/XXXX I disputed a account that's showing inaccurate information on my credit report. The account showing inaccurate information is XXXX XXXX # XXXX The original creditor is XXXX XXXX {$4800.00}. In XX/XX/XXXX Transunion sent in the mail that the account was verified and accurate. In XXXX I sent in a complaint to the CFPB about the account to the original creditor which is XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. XXXX XXXX Responded to the complaint and sent in letter stating that the account was charged off with a balance of {$720.00} as of XX/XX/XXXX. ( see attachments ) The account was sold to XXXX XXXX. Looking at my recent credit report provided by you TRANSUNION the charged off/Amount Past due off amount is showing {$520.00} ( see attachments ) on the report under XXXX XXXX. I have enclosed a copy of the letter from XXXX XXXX the original Creditor showing proof that the amount is reporting inaccurate. TRANSUNION is showing and reporting {$520.00} which is inaccurate. As per the FCRA all credit reporting agency are to report 100 % accuracy information on consumer reports. Well as of XX/XX/XXXX I have enclosed also a copy of your inaccurate reporting of my report. I will be filing a suit with the court if this account isn't removed from my credit file.. TRANSUNION is supposed to be conducting a reasonable investigation and not relying on a third party system. Please remove this account from my file or I will gather all my documents and go to my local court and file a suit as this is not right and not reporting 100 % accurate information on my report, I have copies of the balance that's reporting wrong and a copy of the letter from the original creditor so as of today this account needs to be removed from my file and not updated. if I find that the amount is updated a suit will be file,,, delete the inaccurate info
Consumer complaint received 2018-09-14
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. (AR)

In XX/XX/XXXX I disputed a account that's showing inaccurate information on my credit report. The account showing inaccurate information is XXXX XXXX # XXXX The original creditor is XXXX XXXX {$4800.00}. In XX/XX/XXXX EXPERIAN sent in the mail that the account was verified and accurate. In XXXX I sent in a complaint to the CFPB about the account to the original creditor which is XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX. XXXX XXXX Responded to the complaint and sent in letter stating that the account was charged off with a balance of {$720.00} as of XX/XX/XXXX. ( see attachments ) The account was sold to XXXX XXXX. Looking at my recent credit report provided by you EXPERIAN the charged off/Amount Past due off amount is showing {$520.00} ( see attachments ) on the report under XXXX XXXX. I have enclosed a copy of the letter from XXXX XXXX the original Creditor showing proof that the amount is reporting inaccurate. EXPERIAN is showing and reporting {$520.00} which is inaccurate. As per the FCRA all credit reporting agency are to report 100 % accuracy information on consumer reports. Well as of XX/XX/XXXX I have enclosed also a copy of your inaccurate reporting of my report. I will be filing a suit with the court if this account isn't removed from my credit file.. EXPERIAN is supposed to be conducting a reasonable investigation and not relying on a third party system. Please remove this account from my file or I will gather all my documents and go to my local court and file a suit as this is not right and not reporting 100 % accurate information on my report, I have copies of the balance that's reporting wrong and a copy of the letter from the original creditor so as of today this account needs to be removed from my file and not updated. if I find that the amount is updated a suit will be file,,, delete the inaccurate info
Consumer complaint received 2017-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (SC)

I have sent  XXXX  several certified letters concerning the false, bogus info they are sending to the  XXXX  credit bureaus. They 're re-aging this account to keep this negative info on my credit file longer which is hurting me mentally, physically and financially.  XXXX  has violated laws under FCRP/FDCPA. If this account is not remove ASAP I will sue them for defamation and financial injury  (   XXXX  vs.  XXXX   XXXX  ) which carries a fine of $  XXXX /per violation.   I never received any type of paperwork from  XXXX . I spoke to  XXXX   (  Customer Service  ) e xt.  XXXX  on  XXXX / XXXX /  XXXX    XXXX   XXXX  he told me the address they had on file was a  XXXX   XXXX , Georgia address and on  XXXX / XXXX /  XXXX    XXXX  I spoke to a   XXXX   ( Customer Service  )  told me the same the same thing. I have NEVER lived in Georgia!!! I updated my address with  XXXX .    XXXX  told me the balance was {$12000.00} and the date the contract was sign was  XXXX . After speaking with  XXXX  she told me the balance was {$5900.00} and contract was signed  XXXX  She  also told me my last payment was  XXXX .  XXXX  is reporting false info which against the law. This is the reason they not replying to my certified letters!!!
Consumer complaint received 2018-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (PA)

I have had a XXXX dollar miscellaneous charge on my account since last XX/XX/XXXX. Managers turn me to other departments and hang up constantly, I have been told to pay what I owe for the month and dont worry about the miscellaneous charge, however, it has been reported to the credit Burea for months and is effecting my credit score, I just called today and got no where, I was told that now an acct manager is handeling this. Than the phone hung up, some of the dates I have called are XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX my acct number with Ally bank Auto loan is
Consumer complaint received 2018-09-14
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have a car loan with Capital One Auto Finance. In XX/XX/2017 I was using a charity company to help pay my car note because I lost my job and wasnt starting a new one until the end of that month. They company contacted them to pay the bill for my but was advised they had to mail the payment in. The charity company mailed it within a day or so. It then took Capital One 2-3 weeks to post the payment to my account making it late. The charity company and I called to see if it posted but we were advised it can take time. This made me incur a late fee on my account and credit report. I asked if I could have a good faith removal and was advised no, even though it took forever for the payment to post and the notes in the system backed it up. 
Im trying to refinance and because of that late fee Im getting denied.
Consumer complaint received 2019-05-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PHH Mortgage Services Corporation (CA)

Our property was burned to the ground in the XXXX XXXX XXXX, CA wildfires. As a result of this loss, we received a settlement from our insurance company. We sent this to PHH Mortgage Services ( our mortgage company three weeks ago ) and have yet to receive a settlement. The check sent was close to three times the amount of what was due on the loan. According to PHH they paid the loan and the remaining balance would be distributed to us in 15 business days. This time has come and gone. First of all we have not received our payment which is distressing. Second of all, this amount vastly exceeds the loan amount so I question why the lender is allowed to hold on to the funds in their account for 3+ weeks and collect interest. Something is wrong with this.
Consumer complaint received 2018-08-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I did a wire transfer 6 weeks ago inside the Bank of America XXXX XXXX bank. The guy who I gave the information to transcribed two numbers incorrectly and didn't notice til I came back a week later asking why my wire transfer had not gone through. So it seems they dropped it in someone else 's account is what they say and they can't get it out. It's been 6 weeks, its not been fixed and they have NOT reimbursed my money to me. They don't return calls and I've spoken to the branch manager, her boss and Bank of America corporate department with NO help whatsoever. Also- I've been a client for 22 years, have bought houses, cars, etc there and this is how they treat you when THEY make a mistake. They are completely incompetent.
Consumer complaint received 2018-08-23
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: EQUIFAX, INC. (OH)

On XX/XX/2018 I submitted a dispute to all 3 major Credit Buraus Agencies in regards to identity theft. I have yet to have my dispute resolve or any feed back regarding this matter and its been well over 60 days.
Consumer complaint received 2018-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ZIONS BANCORPORATION (TX)

XXXX XXXX XXXXXXXX using my credit information improperly having XXXX plus dti less than 10 % fcra violation company should be audit or check if they are treating customers fairly XXXX was sued b/c of giving other race credit please have them reconsider or look at if these company are using unfair practices