davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

The Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dear sir, Today, XX/XX/2024, I have received a document from your bank regarding some dispute request on some credit card. The document does not have any information to tell me which credit card your company meant. Also, after checking the Bank of American online account, I could not recognize the case number. The case number of the document does not correspond with the case numbers on the documents kept in the bank website data. Therefore, I request your company investigate the document mailed to me. 

Sincerely,
Consumer complaint received 2021-06-12
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: Global Lending Services LLC (IL)

I recently checked my XXXX credit report and seen global lending services unauthorized inquiries that I didnt authorized I tried to fix this with XXXX but they told me to contact the actual company according to the law I demand these unauthorized inquiries be remove from my XXXX credit report please. 


Unauthorized inquiries are : Global Lending Services. XX/XX/2019 Global Lending Services. XX/XX/2019
Consumer complaint received 2022-02-04
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Specialized Loan Servicing Holdings LLC (CA)

Specialized Loan Servicing is resposible giving credit report late payments from XX/XX/XXXX on a new loan closed in XX/XX/XXXX FIRST PAYMENT DUE XX/XX/XXXX MADE XX/XX/XXXX NOT DUE UNTIL THE 16 OF EACH MONTH XXXX PAYMENT MADE XX/XX/XXXX PAYMENT MADE LOAN TRANSFERED TO SLS XX/XX/XXXX FROM LOAN CARE.Five seperate loan # had been supplied i have given copies with my complaint.Along with my call record JUST ONE OF MANY.Showing how upset i was that i could not get a normal statement. 
Now i just ran my credit to see that because of LOAN CARE AND SLS refusing to give a payment method I MADE DOUBLE PAYMENTS IN XX/XX/XXXX IT SHOWS THREE PAYMENTS SLS ONLY REFUNDED ONE PAYMENT IN XXXX LOAN CARE TOOK DOUBLE PAYMENTS FROM XX/XX/XXXX TO XX/XX/XXXX HOLDING THE PAYMENT NO LETTER SENT SAYING IT WAS INCORRECT SLS REFUSING TO ANSWER SENDING THE LETTER I GAVE A COPY THEY WERE REVIEWING... XXXX MO FOR THIS COMPANY NO ANSWERS REFUSES TO MAKE ANY DOCUMENTS AVAIABLE. LOOK AT WHAT I HAVE PROVIDED TAX STATEMENT WRONG FOR XXXX I HAVE SO MUCH MORE TO SUPPLY ... THIS IS DONE WITH MALACE AND FULL INTENT TO MISLEAD WITH HOPES OF PUTTING BORROWERS IN RISK OF FORECLOUSER AT FIRST I GAVE THEM THE BENIFIT OF THE DOUBT,,, NOW THREE YEARS LATER WITH NEW HARRASMENT EVERY MONTH FROM THIS COMPANY I CAN SAY THE REFUSAL TO SUPPLY INFORMATION ALONG WITH THE LETTERS TO DEMAND MONEY THAT IS NOT DUE, EVEN SENDING INCORRECT INFORMATION TO THE CREDIT BUREAU I HAVE PROVIDED MY PAYMENT HISTORY FROM MY BANK I HAVE NEVER BEEN LATE EVER. TO DAMAGE ME HAS BEEN ALMOST EVERY MONTH .EITHER SENDING LETTERS DEMANDING INSURANCE WHEN THE BINDER WAS SENT TO THEM IN ESCROW..PRETENDING THEY DID NOT HAVE IT .EVEN CALLING THIS PROPERTY A CONDO WHEN THE APPRAISAL SPELLS IT OUT .RESIDENTIAL FOUR PLEX FOUR SINGLE FAMILY HOMES ON A LOT IN A RESIDENTIAL NEIGHBORHOOD OF THE SAME .SMALL INCOME PROPERTY CONFORMING EACH HOUSE SEPERATE METERS PARKING YARDS STUCCO EXTERIOR RAISED FOUNDATIONS LAUNDRY ROOMS IN EACH HOUSE.GARAGES NOW THE SLS PEOPLE HAVE DAMAGED ME BEYOND WHAT I CAN EVEN SAY ... ..I NEVER IN MY LIFE TIME HAD A MORTAGE LATE OR HOME LOAN LATE ... ..IT HAS BEEN THERE SINCE I TOOK LOAN I JUST RAN MY CREDIT I SENT A COPY .THERE IS NO WAY TO DEAL WITH THIS COMPANY I HAVE PHONE CALL RECORDS ON HOLD FOR HOURS FAXES UP TO 45 PAGES AT A TIME LETTERS I CANT TELL YOU HOW MANY SPECIALIZED LOAN SERVICER IS DANGEROUS
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-19
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: AMERIS BANCORP (GA)

I spoke with the loan manager for 2 weeks in request of XXXX XXXXXXXX loan for my business. Discussed sba products and covered the requirements for the loan. My credit score is sufficient as they noted they look for a XXXX at XXXX. I have a XXXX at XXXX. They ran my application and denied me but did not provide any information. Manager has ghosted. No contact. No reference number.
Consumer complaint received 2022-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (VA)

On XX/XX/2021 XXXX  XXXX  Services a vendor with my servicing company Community Loan Servicing removed the lock on my front door after deerming my home unoccupied. I have filed XXXX complaints and still don't have a clear answer to the main question. So I am asking again. How did my home get classified as vacant without attempts to notify me? How many times was attempted contact made and by whom? What time of day? Were materials left and if so where did the inspector place them? When was community loan servicing notified that property was vacant and did anyone try to contact me to confirm? I want dates and times.
Consumer complaint received 2022-02-23
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. (IL)

I noticed unauthorized inquiries on my credit report. Someone else must have applied in my name and according to the Fair Credit Reporting Act these unverified & unauthorized inquiries must be removed immediately. 

XXXX XXXX XXXX  XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 -XXXX  XXXX XXXX  XXXX- XX/XX/2020 2020
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX and capital one is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, capital one and the creditors reporting collections/Charge-Offs, other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved. i am opting out of my your reporting services.
Consumer complaint received 2022-02-23
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. (IL)

I noticed unauthorized inquiries on my credit report. Someone else must have applied in my name and according to the Fair Credit Reporting Act these unverified & unauthorized inquiries must be removed immediately. 

-TRANS UNION XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX -XXXX  XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-12
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. (CA)

There are accounts that are NOT mine, or they are in clear violation of the FCRA Laws. Additionally, there is an address in which I have clearly never lived. I don't think anyone can live in a P.O.Box as a residency. This is NOT my address nor have I ever lived there and I have owned my own home paid in cash at XXXX XXXX XXXX in XXXX XXXX, CA XXXX. Please remove any other addresses, and please remove those three accounts listed on my credit report because of the clear FCRA violations. Thank you.
Consumer complaint received 2021-06-12
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. (CA)

There are accounts that are NOT mine, or they are in clear violation of the FCRA Laws. Additionally, there is an address in which I have clearly never lived. I don't think anyone can live in a P.O.Box as a residency. This is NOT my address nor have I ever lived there and I have owned my own home paid in cash at XXXX XXXX XXXX in XXXX XXXX, CA XXXX. Please remove any other addresses, and please remove those three accounts listed on my credit report because of the clear FCRA violations. Thank you.
Consumer complaint received 2018-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (MI)

Companies Involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX My credit report was obtained via XXXX by someone using my SSN, Name, DOB and other information. XXXX does not have a phone number where I can report this fraudulent activity or speak with someone about what information was given out on my credit report and accessed by someone else. The XXXX XXXX information was then used to open a XXXX XXXX account in my name and SSN and previous address via the XXXX Online Chat. The XXXX XXXX account number is XXXX - which was not paid and then sent to collections for {$6000.00}. I realized this account was on my credit reports and attempted to dispute this account and all charges associated with XXXX XXXX XXXX - XXXX XXXX XXXX XXXX and directly with XXXX XXXX XXXX XXXX - XXXX XXXX XXXX denied and completed my fraud claim ( # XXXX ) without contacting me. In order to speak with a fraud agent, I have to wait on hold for 30+ minutes. I have sent the police report to XXXX and am waiting for them to review and remove the account from my credit report.
Consumer complaint received 2015-11-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

I was able to pay/consolidate XXXX students loans from XXXX in XXXX 2015. The accounts should be marked as paid in XXXX of 2015. XXXX is reporting it as late/charged off in XXXX of 2015. I have included documentation as to what is showing on my credit report. I have worked with a XXXX XXXX a Senior Borrower Advocate XXXX. They have failed to get my credit report updated correctly to show that I was not late in XXXX 2015. If the loan was paid off in XXXX of 2015, it is impossible for me to be late. I am submitting documentation from Fedloan servicing to show that the accounts have been paid up via consolidation. I have spent countless hours contacting both XXXX and the credit bureaus yet my requests to have this updated to not reflect that the account was late in XXXX of 2015 have been ignored. This is severely impacting my credit and my ability to receive credit. Please assist me in getting my credit reports updated to show that I was not late in XXXX 2015 and to put into place proper measures that will prohibit both XXXX and the credit bureaus from leaving inaccurate information on American citizen consumer reports. I have enclosed supporting documentation. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have many credit inquiries on my credit report that I NEVER authorized or approved. I been battling with identity theft for some time now and these inquiries are not any that I inquired about MYSELF nor did I approve anybody else to act on my behalf to obtin these inquiries. ALL OF THE FOLLOWING INQUIRIES ARE FRAUDULENT AND UNATHORIZED AND I WOULD LIKE THEM REMOVED AS SOON AS POSSIBLE. THE INQUIRIES ARE : XXXX XX/XX/ XXXX XXXX XXXXXXXX XXXX XX/XX/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 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 XX/XX/2022 ALL OF THESE INQUIRIES ARE FRAUDULENT AND UNATHORIZED AND SHOULD BE REMOVED ASAP BY ALL CREDIT REPORTING AGENCIES THAT ARE REPORTING ALL OR ANY OF THESE INQUIRIES.
Consumer complaint received 2019-07-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Navient Solutions, LLC. (MI)

I've received threating phone calls and threating letters from XXXX XXXX XXXX, starting back so far in the year XX/XX/XXXX and continuing until year XX/XX/XXXX, stating that I owe Medicare for medical payments that were paid by my Auto Insurance company, from a hit and run auto accident I was hit from the rear while stopped at a red light. They were provided proof of payments from by my Auto Insurance company. I've received threating phone calls and threating letters XXXX XXXX a Debt Collection Agency, starting dates as far in year XX/XX/XXXX and continuing until year XX/XX/XXXX, also were provided proof of payment. I am now receiving a letter XX/XX/XXXX, dated : XX/XX/XXXX from a Debt Collection : Pioneer Credit Recovery , Inc. with the same threating letter stating as the others that they were contracted by the U.S. Department of the Treasury, Bureau of Fiscal Service to collect on a delinquent balance now the Debt Originating agency : Department of Health and Human using my Social Security Number which was my Old Medicare Number, threating to report to national credit bureaus, which could inhibit my ability to obtain future credit. Additionally, the Department of Treasury may be authorized to offset any eligible government payments I receive such as income tax refunds, federal retirement benefits, and/or other financial assistance if the debt is not paid. furthermore, pursuant to the policy of the above-listed Federal agency, should I continue to refuse to resolve this debt, my debt may be reviewed for possible referral by Fiscal service to the Department of Justice for legal action. I called Pioneer Debt Collector and disputed these accusation today XX/XX/XXXX
Consumer complaint received 2021-10-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2021-03-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Hi there, PayPal have closed my account and are holding XXXX British sterling pounds. I believe this is a mistake as I have done nothing wrong. they have said they will be holding my funds for 180 days and this is disastrous due to covid. please can you ask them to release my funds and restore my account as I am a genuine customer and they have told me they will close the account after 180 days. My PayPal account is : XXXX XXXX
Consumer complaint received 2022-02-04
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. (FL)

I am coming to you to talk about an account listed under my name and social that I noticed is not mine. I have sent several letters to the company XXXX XXXX XXXX and credit reporting agencies. There seems to be a confusion on the accounts being association to me and I do not take responsibility for something that is not mine. I have mailed letters to XXXX, XXXX, and Transunion several different times. It is my understanding that per 15 USC 1692 ( g ) Validation of Debts that once the consumer states the account is not theirs it is to be removed. Also valid proof of the account ownership is to be given as well. A 3rd party company can not speak for a person or consumer so responding with a automated response is violating the law. I noticed some added addresses not associated with me that popped up on my credit report and a late payment that surely never happened on my XXXX account.
Consumer complaint received 2021-06-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX This letter is my LAST request for you to remove your inaccurate and unverifiable accounts from my credit report. Once again, note that this is not a refusal to pay, but a notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

The following accounts remain unverified, even after multiple attempts to receive validation from you. I request that these accounts be immediately removed from my credit report with all credit bureaus that you report to : XXXX Furthermore, I believe I may have received telephone communication from your company even after I specifically requested to not be contacted by phone. As you know, this constitutes a violation of the FDCPA. I will be closely reviewing every call I've received from unknown numbers, but I am nearly certain these calls came from your company. 

According to the FTC, consumers can sue a collector in a state or federal court within one year of the date the FDCPA was violated. Consumers can sue for damages, like lost wages and medical bills. Even if a consumer can't actually prove damages, they can still be awarded up to {XXXX} plus reimbursement for attorney 's fees and court costs. A group of people suing as part of a class action lawsuit can even recover money for damages up to XXXX}, or one percent of the collectors net worth, whichever amount is lower. 

Best Regards, XXXX XXXX XXXX
Consumer complaint received 2018-08-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Back in XX/XX/2018 Bank of America had a promotion for opening business accounts package with them. The terms of that promotion were : To earn the initial {$1000.00} bonus, open a Business Advantage Checking account by XX/XX/2018, make qualifying deposits of at least {$50000.00} in the first 90 days, plus apply, be approved for and open a new small business credit card account and spend at least {$2000.00} on the card within 90 days of opening a Business Advantage Checking account. 

Please see attached flyer for more details about this promotion XX/XX/2018 I applied for Business Advantage Checking account and business credit card with the help of Bank of America small business banker. I was subsequently approved and met all promotion requirements within allotted time period. 
Per offer terms I was supposed to receive {$1000.00} bonus within 90 days from the end of your qualifying period, meaning by XX/XX/XXXX. However, as of today, I still didn't receive the bonus. Over the last month I contacted Bank of America multiple times about this issue. Every time Bank of America representatives, including small  business banker who helped me to open business account, told me that I did qualify fo the bonus and supposed to receive it by this time. But apparently, there is no one at Bank of America who can look into my case and make things right. 

I feel completely frustrated about this experience and the fact that Bank of America does not honor it own promotion. I hope this claim could bring necessary attention to resolve this issue.
Consumer complaint received 2018-08-21
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: Experian Information Solutions Inc. (MO)

I have asked and proven to this companies that this is a public record and against my rights to publish on my credit reports if it is mine or not. I have contacted courts and they have sent me a letter stating the same. Still have not removed off my report