davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was going through the automated system with regards to my checking account at the 800 number for Bank of America and realized Bank of America charged my checking account a XXXX monthly fee this month of XXXX. I called them about it to find out why this was the case and to my dismay I found out I have been charged a XXXX monthly fee since XX/XX/2019 which brings the total fees since XXXX charged by Bank of America XXXX. I spoke directly to a rep by the name of XXXX looking for an explanation of these fees and she told that my heloc was linked to my account and that I had to maintain a whopping XXXX in my account in order not to be charged a fee. I explained to her Bank of America told me when I opened this checking account many years ago that I would be charged a fee should I go under XXXX. Never was there any mention of any kind of maintaining a XXXX balance in my checking. I would never have signed up for the checking account then. This woman XXXX said no fees would be reversed and that my heloc was sold in XXXX and the fees began then for my checking. Bank of America never once sent me a notice indicating these fees would begin or that I had to maintain anywhere near XXXX dollars in my account. This is so wrong and misleading of Bank of America. Since when can banks just start charging you fees without notifying the consumer first? This is outlandish.
Consumer complaint received 2019-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

On XX/XX/XXXX I sent etters into the three credit companies XXXX, Equifax and XXXX. I requested to have the copies of the original documents or documents used to verify the information that has been placed in my file by XXXX account number XXXXxxxx and XXXX XXXX account number XXXXxxx the companies have not given anything documentation as required by law under section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I have also made many attempt online and over the phone to get this information and have not been successful.
Consumer complaint received 2019-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/XXXX I sent etters into the three credit companies Transunion, XXXX and XXXX. I requested to have the copies of the original documents or documents used to verify the information that has been placed in my file by XXXX account number XXXXxxxx and XXXX XXXX account number XXXXxxx the companies have not given anything documentation as required by law under section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I have also made many attempt online and over the phone to get this information and have not been successful.
Consumer complaint received 2022-04-27
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: CBC Companies, Inc. (NY)

MY NAME IS XXXX XXXX XXXX AND NO OTHER NAME AND I AM SUBMITTING THIS COMPAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. I RECEIVED MY REPORT FROM INNOVIS AND THEY HAVE ME AS LATE FOR MY XXXX CARD. i HAVE NEVER BEEN LATE AND THIS WAS VERIFIED WITH MY CREDIT CARD COMPANY. INNOVIS IS INCORRECTLY REPORTING ON MY FILE WHICH IS AGAINST MY CONSUMER RIGHT ALSO IN VIOLATION OF 15 USC 1681B
Consumer complaint received 2021-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Its been over a year and I have had severe difficulty resolving fraudulent identity theft account that appear on my credit report, I have disputed the accounts online, mail, phone and with a Dedicated Fraud Resolution Specialist provided by experian with my premium plan for {$19.00}. The fraud resolution specialist is suppose to stay in contact with me and follow a protocol to get the identity theft resolved. The lady XXXX who is assigned to me has only spoken to me once and has not answered my calls or emails since our initial conversation. I have supplied experian with my FTC report, police report and notarized affidavit that they requested so that the accounts could be removed. They have repeatedly claimed the accounts were verified and completely ignored the identity theft even though the creditors XXXX, XXXX and XXXX do not have any proof or original contracts bearing my signature only bills that resulted from a thief using my information. Both companies stated someone called in and opened accounts using my social but havent provided any proof besides a generic bill showing whats owed/charged. Every time I call to speak to XXXX she is not available, experian is promoting a misleading product and violating several of my rights as a consumer under the FCRA, FDCP and TILA.
Consumer complaint received 2020-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have complaints XXXX and XXXX which are related to my complaint against Equifax. 

The 1st complaint ( XXXX ) listed is regarding their improper handling of investigations regarding 2 companies. The 2nd related complaint ( XXXX ) was what appeared to be retaliatory action for my initial complaint ; they lowered my credit score by 52 points 2 days after my initial complaint for no changes and no reason. Whatever person acting on EQUIFAX behalf restored 51 of the 52 points taken and on or about XX/XX/2020, they restored 1 point for a total of 52. 

Yesterday, XX/XX/2020, I received an unsigned letter from somebody at Equifax stating they could not locate my file. Its interesting because they found my file on 2 separate occasions ; regarding my complaint when they restored 51 points of the 52 taken for me initially filing a complaint and found my file yet again when the remaining point ( 1 ) was restored on or about XX/XX/2020. 

They also have the 2 derogatory reports still reflected in my credit file while investigating this initial complaint matter and before the companies have supplied any proof whatsoever ( because they are not factual or valid ).
Consumer complaint received 2017-12-19
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: ALLY FINANCIAL INC. (IL)

I purchased a vehicle on XXXX XXXX and it ways paid in cash. There was no financing however the dealership XXXX XXXX ran my credit to three different loan companies. Ally Financial, XXXX XXXX, and XXXX XXXX finance. None of these were authorized and all three above companies as well as the three credit bureaus wont remove any of the inquiries. I am trying to repair my credit and these XXXX hard inquiries are hindering me from doing so.
Consumer complaint received 2021-09-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (MS)

In XX/XX/2021 I received an offer in the form of a letter from Midland Credit Management indicating that the collections on my debt would be taken out of collections if I would contact them and make payment arrangements. On XX/XX/2021 I contacted Midland Credit and attempted to resolve my collections issues thru the offer I was sent in the mail by Midland credit. When I spoke with the representative from Midland Credit Management and indicated that I was ready to resolve the issue of debt collection with the understanding that as stated in the letter I received in XX/XX/2021 that the collections would be removed from my credit report as payment arrangement were made. I was told that they would not remove the debt collection off my credit report until payment was made in full. I stated to the representative that the letter clearly indicated that the collections would be removed while payments were being made as stated in the letter received on XX/XX/2021. The representative then became rude and aggressive when I pointed out the fact that the letter offer clearly said that the collections would be removed. 
Now I getting phone calls before XXXX and after XXXX and have received letters threatening me with lawsuits.
Consumer complaint received 2019-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (NY)

on my XX/XX/2019 amex bill their is a charge for XXXX from XXXX XXXX XXXX. so i disputed the charge and said not only dont i recognize the charge, i didnt rent any car in XXXX. so ill attach the letter they sent stating that they are ataching proof that we did rent, so what they sent is a copy of the bill and copy of my sons medicare card what the XXXX   is that? and is it hard to prove i rented car no senz me a signature but they send me mt sons medicare card. i want perm credit on the account for this charge. its amex card ending XXXX.

Thanks XXXX XXXX
Consumer complaint received 2019-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

Equifax ; XXXX and XXXX are reporting incorrectly a late in XX/XX/2017 on the XXXX XXXX XXXX partial account number ****XXXX. ( Please see pages 14 and 15 of the attached credit report. ) XXXX XXXX XXXX is responsible for sending timely mortgage payments to XXXX XXXX on my behalf. The XX/XX/2017 payment from XXXX XXXX XXXX was late and XXXX XXXX did not receive the payment until after the due date. Consequently, XXXX XXXX zinged me with a late payment. I contacted XXXX XXXX XXXX and spoke with a woman named XXXX who was the Regional Manager of Sales and Service at XXXX XXXX XXXX. She researched my account and discovered that yes, in fact, this payment was sent out late and that it was clearly an error on their part. This incorrect reporting of a late payment is harming my credit score and XXXX XXXX XXXX needs to please contact the ( 3 ) bureaus and have this late payment removed from my credit report. I have also contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.
Consumer complaint received 2021-05-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (CA)

I have been trying to receive mortgage assistance with Suntrust bank for the last few years I have summited numerous time just to be denied for various bogus reason. Most recently I submitted for modification help just be to be denied, per the denial letter the lender claims the investor declined the modification because the payment would go up instead of down this forced them to deny my case for mortgage help. I'm currently sitting on a 6 % interest rate and I feel the lender has plenty of options when it comes down to helping me with my case. I feel since the interest rates are at 3 % in todays current market there should be plenty of ways to reduce my mortgage even my reducing my rate, extending my mortgage terms and even placing the amount I'm delinquent toward the end of the loan to allow me to get current. I fee the lender is more interested in taking my home rather than helping. I have plenty of income available and can afford for my payment to increase. Please look into this matter for me and help me with Suntrust. In addition on the denial letter attached dated XX/XX/2021 it says they have provided me the XXXX result for me to view but when I spoke to the lender they stated there is no XXXX result to give.
Consumer complaint received 2022-04-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (IL)

Enhanced Recovery Company at XXXX XXXX XXXX, XXXX, FL XXXX has been sending me collection notices in the amount of {$1000.00}. The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company.
Consumer complaint received 2022-04-03
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (AZ)

I have been working with the Arizona Department of Housing, under their Arizona Homeowners Assistance Program. They are ready to send funds to LoanDepot, my mortgage holder to cover any unpaid mortgage payments. They have sent LoanDepot several transmitted paperwork for them to complete. They call it " onboarding paperwork ''. Arizona Housing has not received any replys form LoanDepot. This has been holding everything up. The last time they sent the paperwork to LoanDepot was the middle of XX/XX/XXXX and still no response. My account under the Arizona Homeowners Assistance program is XXXX. My LoanDepot mortgage account number is XXXX. This has been going on since XX/XX/XXXX. Arizona Department of Housing said that they are going to cover over {$16000.00} of my past due mortgage but are hitting this roadblock with LoanDepot. When I call LoanDepot about this, they do not give me anybody or department I can talk to about this paperwork. I feel I am hitting a brick wall in trying to resolve my mortgage concerns, and trying to get back to normal with my mortgage payment program with LoanDelot.
Consumer complaint received 2020-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I would like to remove my extended fraud alert from my credit report as well as my consumer statement and any kind of blockage for credit access my credit file. 
Thank you in advance for your help.
Consumer complaint received 2021-05-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NEW CITY FUNDING CORP. (NY)

I XXXX XXXX, The real XXXX XXXX validate that i am the original creditor. I attached my social security card # XXXX for identification verification purposes.I have the sole power and control over anything that involves MY CREDITOR because no credit can be created with me. I was entered into credit inquiry transactions that I did not authorize or consent to.I am a victim of identity theft. I understand that under 15 U.S. Code 1681c2 you must complete this reinvestigation AND BLOCK ALL information RESULTING FROM identity theft within 4 days of receipt of this letter. Please understand that i attached my FTC REPORT # XXXX and I also attached an invoice for all the damages i received due to the violations that your company is guilty of. 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, which is technically Identity Theft, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter. Furthermore, This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. Also I have not supplied proof under doctrine of estoppel by silence, XXXX XXXX XXXX XXXX MO XXXX 281 SW715, 719, I presume that no proof of The alleged debt, Nor therefore any such debt, in fact exist. 
I demand that the following accounts be removed immediately.
Consumer complaint received 2021-05-05
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. (NJ)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed
Consumer complaint received 2022-04-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

Re : 623 15 U.S.C. 1681s-2 Violations To Whom It May Concern : Please be advised this is the fourth time I have contacted your company, and you have still failed to delete the disputed account ( s ) your company could not verify. Based on the fact that your company ignored my numerous requests to provide documentary proof that you have in your files, that you used to verify the disputed account ( s ), which means that you have not verified or you can not verify any of these accounts. You failed to identify the name of a responsible person in your company who verified the accuracy of these accounts. Besides, you have not submitted evidence of the investigation, reinvestigation ( method of verification ) by giving me names and addresses of persons contacted, nor have you removed anything found inaccurate. The following item to be errors, or are deficient of proof of not being untrue, incorrect, incomplete, untimely, not mine, not my responsibility, or else wise not compliant to include to metro 2 reporting standards. 

Here as follows are items in potential error requiring immediate annulment of the retainment and or reporting. 
Account : XXXX XXXX | Account Number : XXXX | Charge off Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX Past Balance : {XXXX} See the attached for full complaint.
Consumer complaint received 2021-05-05
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I initiated a dispute regarding incorrect information which was listed on my credit report. It has been well over 30 days and I have not received any response from the Credit Reporting Agencies.
Consumer complaint received 2021-05-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC (TN)

I contacted Spring Oaks Capital and disputed and requested validation of the debt. Spring Oaks received a certified letter on XX/XX/2021. Spring Oaks did not mark the account as disputed and violated my rights under FDCPA. I notified Spring Oaks gave them a copy of my credit report and requested deletion due to violation and non compliance. Spring Oaks received my certified letter on XX/XX/2021. Spring Oaks Capital have not complied with FDCPA and continue to violated my rights.
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Credit bureau took more than 30 days to respond to my dispute letter. I am a victim of identity theft and I did not authorize XXXX XXXX XXXX and XXXX XXXX XXXX accounts to be opened in my name. The Credit bureau failed to provide 100 % factual proof of both alleged accounts.
Consumer complaint received 2021-05-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (GA)

Because of a report of fraud committed against me thru XXXX transaction and then having some money been sent to me by family members thru XXXX to help pay for my fathers XXXX treatment after the fraud complaint the bank closed my account and treated me like if I was the criminal
Consumer complaint received 2020-11-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

RE : Santander Bank XXXX XXXX XXXX XXXX N.Y. XXXX Checking Acct. Number ... ... XXXX My name is XXXX XXXX .... I have been banking with Santander Bank for about 20 years ; actually, I have this account number over 30 years with other banks that preceded Santander Bank.

About five ( 5 ) years ago there was an incident that the bank wanted to investigate a deposit of {$5000.00} Dollars ( amount is not exact ). The amount that held back showed up in my statements as unavailable. Each time I inquired about it I was told dont worry you have plenty of money ( looking at some past balances, on XXXX my balance was {$660000.00} ) we will let you know. 
Last week I questioned my bank for the overdraft fees, I also questioned {$30.00} monthly fee that i was never charged before, I was told that the bank wants me to close my account, although I never had any problems with, insufficient funds or bouncing checks, the bank refused to extend my account until I open a different account in another bank. 
The bank refuses to give me my full balance.
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I've held my XXXX XXXX card account uninterruptedly since 1982, as is evidenced on the front of my current XXXX card. I've had a continuously solid payment history with XXXX for over 38 years. My XXXX card recently changed from a XXXX XXXX  to a XXXX XXXX XXXX  card, but my length of continuous credit with XXXX XXXX remains at 38+ years. The problem is, my current credit report lists my " Length of Credit History '' as only 14 years ( that is the length of time I've held my 2nd-oldest card, a Visa through XXXX XXXX XXXX XXXX ). This erroneously-shortened length of credit history is having a negative impact on my credit score, lowering it by several dozen points. Please correct my length of credit history to reflect all my years of solid credit with XXXX XXXX. Thank you!