davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Problem is with Bank Of America. I had a credit card with them that I did not use at all. they sent me a promotional offer of 0 % - XXXX $ XXXX XXXX XXXX limit to use for 18 months with no interest. I called a representative and they sold me on it as a no interest fee or late fee for 18 months. I accepted and used about 2000 $ with them as a XXXX XXXX. I kept checking my phone app every month and throw in a little something there ranging from XXXX $ to XXXX XXXX Last week I got an email that I have an amount due / late. I was under the impression that I should not have late fees or interest fees. I received an automated call letting me know your account is in debt. I talked to a representative last week who had ZERO knowledge ( i hope you pull the recorded call ) and she didn't know how much is the late fees or interest payment so it was a very misleading call. I paid the minimum payment required next morning - I was surprised over this weekend that my credit score dropped a XXXX points and a missed payment was mentioned!!! 
I talked to a manager called XXXX letting him know that this was a misleading info. I got while being sold on this XXXX XXXX and there was a high pressure sales on me. I asked him to conference me in with a credit analyst and he said he will file a dispute on my behalf for this credit reporting issue. He then sent me to an answering machine as they were all out. I called again and talked to a manager called XXXX and she said XXXX did not submit anything on your behalf!!! - he was deceiving me to get off the phone I guess. Then she told me there is NOTHING we can do about the credit reporting we did against you. And guess what they decreased my credit limit to XXXX $ from XXXX $ to start incurring interest. 

I need your help as I am closing on a home and this is really going to make me lose the opportunity. Does it make sense for someone who has access to cash of above XXXX $ to miss a XXXX $ payment and get a XXXX points deducted on his credit report??? 

High pressure sales and misleading info. and In-knowledgeable staff members caused me to fall for that sales pitch from Bank Of America. Unfair practices from their managers to. 

I need your help to get my credit report back to normal and have Bank Of AmericXXXX remove that report so I can close on my house. I also need any late fees or interest to be removed. I am willing to payof that whole balance and close my credit card with Bank Of America immediately.
Consumer complaint received 2022-10-12
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. (OH)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXXXXXX have violated my rights. 15 USC 1681 section 602a states ; I have a right to privacy.

15USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction
Consumer complaint received 2022-05-19
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: TD BANK US HOLDING COMPANY (PA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 credit plan As late for any purpose
Consumer complaint received 2015-12-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC ()

I have an urgent problem with the servicing of the mortgage on my property in California. ( I am living in XXXX, XXXX XXXX. ) Green Tree, which was awarded the servicing of my mortgage a few years ago, seems to have merged with a different company. I have not received a statement in 3 months. I have received no notification of the situation and no information about where my mortgage is held now. There is no online contact information for either company. 

I have continued to send my mortgage payment to the Green Tree account, so as not to trigger default problems. Payments are continuing to be received but there is no acknowledgement. Without any information about where the mortgage and who is servicing it, this now seems extremely foolhardy. 

I need : A letter from the company which is now responsible for my loan. 
Account number, address, phone number, and working Internet URL. 
I need a report confirming payments received in year 2015 and full electronic access to my account ( URL which works in XXXX XXXX. 

NOTE : Green Tree was never able/willing to give me access to my account online. 
After I complained to CFPB about not having access to my data, company was ordered, and agreed, to send me monthly statements, showing the current principal and last payment. That arrangement worked until three months ago. If notifications were posted on the Green Tree site, I obviously had no access to them. 

The new mortgage company needs to be aware of this IT problem at Green Tree, which cut off all electronic information outside the XXXX. 

I need this ASAP. I can not continue sending money to a nonexistent company which does not have an Internet presence with a phone number. 

Attached : scan of the last statement I got from the Green Tree mortgage company. 
My account number and address information are there. 

Thank you so much for your assistance. 

XXXX XXXX XXXXXXXXXXXX DETAILS According to this source XXXX Green Tree does not exist anymore. Its listing Green Tree Servicing XXXX XXXX XXXX XXXX Mortgage Services https : //www.greentreeservicing.com/ brings brings blank on XXXX search. ( That 's in XXXX XXXX. 

By searching complaint groups ' sites, I have found that the presumed successor company is Ditech, but their site is also unavailable : https : //www.ditech.com/ " This webpage is not available ''
Consumer complaint received 2024-03-12
Product: Credit reporting 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. (FL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2022-05-19
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. (CA)

I sent letters on XX/XX/2022 to Experian, XXXX and XXXX about unrecognized negative items on my credit report and have not received any Information back. It has been over 30 days. These companies are not complying with their own policies in a timely manner. I sent a second letter XX/XX/2022 asking the companies listed to comply but received no response.
Consumer complaint received 2019-11-21
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. (TX)

XXXX ; XXXX and Transunion are reporting incorrectly a current balance of {$22000.00} on the XXXX XXXX  account number XXXX. ( Please see page attached from my credit report. ) This account is reporting an opening date of XX/XX/2010 and a current balance of {$22000.00}. First, I have been making monthly payments of {$440.00} on this account for the past several years totaling well over {$45000.00}. Second, the balance reporting is incorrect and needs to be updated to report a {$0.00} balance. Third, this loan was for a modular home that I purchased. During this most recent hurricane my home was severely damaged and deemed a total loss. Consequently, I voluntarily surrendered the home. Any remaining balance due on this account would have been covered by FEMA because the home was deemed a total loss from a natural disaster. This inaccurate reporting is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I have already made a complaint but you have closed as if its all done. 

The complaint Number was XXXX I gave feed back that I wasn't happy with the bank doing nothing at all to help me pay the credit card off, I gave feed back to CFPB saying I want it sorted out as the bank basically said if I don't pay then my credit rating may be effected, I get emails from them saying Last chance : Your credit card account will be charged off if we dont receive a payment of {$53.00} by XXXX XXXX. Eastern on the last business day of the month. 

I simply need a bank account number from them so I can internationally send them the money but they say they can't give it to me. 

This is so stupid the BOA have access to hundreds of million accounts, I asked if they could open a account in my name and they can shut it as soon as I have paid it all off, they said no they can't do that. 
I said to BOA surely a bank manager or Director could give me details of an account number I can send the money to them and they could simply pay the credit card off, I was told no. 

Please read my feed back to you as I explained it to you there in further details. 
I am not happy that the BOA are giving me no way to pay them, it was they who closed my chq account which I used to make payments of the credit cards. 

I can't understand why its so impossible for me to make a payment to them, I'm sure if I owed them XXXX XXXX they would find a way. 

Please reverse the closure of complaint Number was XXXX Thank you for understanding I AM WANTING TO PAY OFF THE ENTIRE CREDIT CARD but BOA will not give me the means to do that.
Consumer complaint received 2022-05-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (DC)

I got a text message in my XXXX saying that " VenmoAlert : You recently attached your checking account to Venmo for a transaction of {$720.00}. Contact Customer Care XXXX if not initiated by you. I called the number and they got access to my banking account.
Consumer complaint received 2021-10-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Stark Collection Agency, Inc. (IA)

HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH THE STARK COLLECTION AGENCY. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.
Consumer complaint received 2023-02-24
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. (MI)

I received a copy of my credit report and I noticed several incorrect accounts. I have reported this to the credit bureaus, and they have added a fraud alert to my account. I have also begun the process of calling each lender/creditor to inform them that I did not open these alleged accounts. 

XXXX XXXX XXXX  XXXX XX/XX/XXXX {$2400.00} XXXX XXXX XX/XX/XXXX {$2400.00} XXXX  XXXX XX/XX/XXXX {$270.00} XXXX XXXX XX/XX/XXXX {$500.00} XXXX  XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$2000.00}
Consumer complaint received 2017-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AFNI INC. (ME)

I never had an account become delinquent with XXXX XXXX XXXX nor did I receive any notice of missing payments or a collection account. Just now I came across this supposed account by checking my credit report. I want proof it belongs to me or for it to be removed from all credit bureaus immediately.
Consumer complaint received 2019-01-28
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (CA)

I am a XXXX XXXX XXXX  Veteran who began experiencing hardship in XX/XX/2018. I contacted the sub-servicer of my mortgage ; Dovenmuehle Mortgage in XXXX to request assistance. I had missed the XXXX and XXXX payments. 
Since then, I have repeatedly attempted faxed and/or emailed my documents to Dovenmuehle and have been given incorrect information, different people to speak with, and received no help whatsoever. 
What started as 2 missed payments has turned into a default and now a trustee sale because of this. I am consulting with an attorney to file a civil complaint if I can not resolve this. 
I have attached a timeline with dates, names and numbers in support of this complaint. 
XXXX XXXX XXXX XXXX, XXXX is the master servicer of my VA loan
Consumer complaint received 2022-12-16
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)

Transunion has allowed XXXX XXXX to report an account to my credit file without obtaining verification. I have contacted XXXX XXXX course house and will be filing a case against Transunion and XXXX XXXX. XXXX purchased this account from XXXX XXXX XXXX XXXX. XXXX XXXX is aware of fraudulent charges on this account. I disputed this account within the 30 day window with XXXX XXXX and Im still waiting on documents I requested from them and validation of this account. According to the Fair Credit Reporting they must provide me with that information and they hadnt. Therefore, XXXX XXXX XXXXs not allowed to report any type of account to any credit bureaus. At this point Transunion is liable just as XXXXXXXX XXXX for damages to my credit file. I will have a court house case number within the next 3-5 days At this point, Im not playing and I am tired of companies thinking they can do what they want to do to consumers and not pay for what they have caused. Im a new me and Im not letting anything slide anymore. I am fed up I will contact the news team and have them put you all on blast and see about co rafting other consumers that was affected by this same issue. This has to stop like now. XXXX XXXX is only in business because of them pigging back off of other companies and not having their own legs to stand on. Enough is enough. Ive asked for XXXXXXXX XXXX provide all signatures on every last transaction that took place on the XXXX XXXX Account. Im still waiting and therefore this account can not be reported on my credit file. I responded within the 30 window. To XXXX XXXX  and the Consumer Financial Bureau has it on file just in case I need to add additional fees to my case. I attached a letter for XXXX and XXXX  stating that this account is not on my credit file and will not until they provide me with the information I requested so why did you all allow this account to be place on my credit file. Remove it NOW or you will be held reliable to.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 0 2 states I have the right to privacy. And it also states under 15 USC 1681 section 604 a section 2 that a consumer reporitng agency can not furnish an account without my written instructions. Under 15 USCS 1666b, a creditor can not treat a payment on a credit card account under an open end consumer credit as late.

They have violated my person 's rights and I intend to sue if they do not update and delete accounts in question.
Consumer complaint received 2022-05-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc. (IL)

Aqua finance closed the previous complaint and there wasn't a resolve. 

They lied through their teeth. The representative from Aqua, his name is XXXX called me and I explained my issue. He basically stated that they're just the finance company. So they wasn't there the Sales Man said it was a {$54.00} payment that would be paid over 5 years no interest was never discussed. 

If this isn't resolved in 14 days I would file a small claims suit, as I was deceived and this is considered to be the sales man was being deceitful purposely. 

Please review the attachment Aqua 's representative has stop responding. If it's not same as cash. I will stop paying this bill and I intend to file a complaint with the FTC and XXXX  by XX/XX/XXXX XXXX XXXX
Consumer complaint received 2019-01-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

My husband has an account with USAA credit card. I do not. My name was removed from this account, as USAA stated in their rationale for lowering my credit score, in XX/XX/XXXX. ( They knowingly interfered with my credit score. ) I have contacted XXXX  twice ; the first time I contacted them was in XX/XX/XXXX when XXXX  lowered my score because of my husband 's debt -- my husband has a credit repair ( XXXX XXXX XXXX ) company helping him pay this debt off since XX/XX/XXXX After my first contact/complaint in XX/XX/XXXX, they raised my credit rating to XXXX, and after the XX/XX/XXXX reports from USAA stating further delinquency ( he has been paying ), XX/XX/XXXX lowered my credit score again to XXXX or XXXX, then, when I complained again this IS NOT MY DEBT, my credit score was raised to XXXX, using the excuse that since I don't have any real estate encumbrances, they had to leave it at XXXX. Today, when I looked at my credit score, it is XXXX, no reason given for the lowering activity. This is punitive.
Consumer complaint received 2022-05-19
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: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX has violated my rights, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-19
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. (NJ)

In accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX has violated my rights, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2015-04-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Ditech Financial LLC (SC)

I am entering this complaint because my husband passed away in XXXX 2009, XXXX yrs ago. The loan was in his name, not both names. He left everything to me in his will. The loan he had on the house is with Green Tree Mortgage. I have been trying to get the loan transfered in my name. The Probate papers and death certificate has been sent to them and they still say they ca n't tell me anything or put it in my name. I have given Green Tree permission numerous times for one of my family members to talk to them because I am XXXX and also XXXX and am XXXX yrs. old. I have been keeping the payments up ever since XXXX when he passed away. They will not tell me how much is still owed on the loan, or change the address for mail to come here because I am living with my son and his wife and have been since XX/XX/XXXX. I want to sell the house which and ca n't do that until it is in my name. I ca n't live by myself any longer because my health is declining. I ca n't afford an attorney because I live on a very limited income.
Consumer complaint received 2022-05-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Yamaha Motor Finance Corporation USA (FL)

I requested a ten day pay off on XX/XX/2022. After many many phone calls and complaints, I still haven't received my ten day pay off form. I've attempted to reach managers to no avail. In addition, I've requested a pay off each day since XX/XX/XXXX and those have all been closed by the company. The company states they sent it via email almost two weeks later but I never received anything. Now that all of my requests have been closed, I have to restart the process. Everytime I contact this company they try to apologize and open another request. I feel like I'm running in circles and my hands are tied. Nothing is getting done. I need help.
Consumer complaint received 2022-05-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (TX)

This account with TD XXXX was handle, by an Attorney with XXXX XXXX XXXX XXXX, the account was Dismissed. Plus XXXX XXXX been Deleted This account, But I don't know why it is still lingering after. 3 years. 
Now i get a letter they have sold the account XXXX XXXX XXXX XX/XX/2022. This is why people credit is messed up now, because it is allowed for charge Off, Paid Off & Dismissed Account to resurface. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want be contacting anybody else regarding this ( Fraud Activity ) except The Federal Trade Commission next.