davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Have a home equity line of credit from Bank of America since 2018. Selling my house and needed to close the account for release of lien. Made all my payments on time. XXXX  balance. BOA now charging a early closure fee of {$450.00}!! in addition to a lien release fee. Never was told at closing in 2018 regarding all these fees. Just a total ripoff.
Consumer complaint received 2020-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION (AZ)

They are keep debiting my Checking account without my permission its a fraud by BBVA Even they debited my account on XXXX XXXX for {$140.00} and {$12.00} Please reverse this unauthorized debited funds asap
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION (TX)

On XX/XX/2019. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On my background report it is showing as XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This is inaccurate information The company hiring me was using FIRST ADVANTAGE Or XXXX
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (MS)

OneMain Financial showed on my credit report even months after the car was repossessed that it was still delinquent payment even though they had already sold and liquidated asset and didn't report real value of car or apply correct earnings received to debt accused
Consumer complaint received 2021-09-02
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: EQUIFAX, INC. (MD)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - truth and lending act. and some wrong information from my credit report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2016-01-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

I am a victim of Identity theft XXXX Police Number XXXX I submitted in my police report that was taken by a police officer and provided it to all XXXX credit bureaus as it relates to XXXX XXXX Account Number XXXX.The account was removed however a collection agency placed themselves on my credit and the credit bureau nor the collection agency has failed to remove the fraudulent account from my credit. I was not contacted by the collection agency but I have contacted them and they continue to ignore me and report the account. XXXX XXXX XXXX Account Number XXXX
Consumer complaint received 2022-09-08
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. (MI)

XXXX XXXX XXXX XXXX, formerly known as XXXX XXXX XXXX XXXX is my mother 's credit union. I am her daughter filing this complaint on her behalf. 

I am very cocerned and sometimes angry with the way my mother 's account is being managed and it seems to be getting worse. There appears to be ugly and distasteful tactics used in handling her account. 

The biggest concern involves her mortgage which also hab an impact on her credit ; we are requesting an audit of her account because I was informed that her mortgage payment was applied to a wrong account. 

On the most recent ocassion, my mother indicated she was ready to buy a new home we contacted the XXXX XXXX XXXX XX/XX/2022 to see if she could pre-quality for a loan. We were told by a consultant that something did not look right and that I should contact her credit union. 

My mother is XXXX XXXX XXXX and we need someone to assist us. There seems to be some deceptive practices going on with her account. She and my father who in now deceased have been account members through two names changes, and furthermore we went to the main office, sat down with the bank manager ; he assured us he would call us the nexr day and we still have not heard from him. 

Thank you for your time.
Consumer complaint received 2022-03-11
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. (PA)

According to my consumer report I received dated XX/XX/XXXX and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or XXXX such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted XXXX, XXXX, Equifax and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : XXXX XXXX XXXXXXXX, XX/XX/XXXX of listed late payment XXXX. XXXX XXXX XXXX of XX/XX/XXXX, listed late payment Any information listed on my consumer report must be verified or immediately removed. I am due for a thorough and proper investigation. Please send me any information regarding my request and an updated consumer report showing that the above mentioned demands have been met. As a gentle reminder, this is my first and final attempt at peaceful civil mediation.
Consumer complaint received 2024-02-28
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (CA)

Going through my credit report I have seen that Ally has been reporting negative remarks on my credit report for over a year now, severely crippling my credit score and chances for any new types of credit. They have violated 15 USC 6802 ( B ) I the consumer was never given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third parties. Also my credit report states that this was a loan, but it was indeed a credit sale another inaccuracy that violates 15 USC 1681 ( b ) which states following reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. And finally per the FCRA as a Federally Protected Consumer I am opting out of any and all authorization I the consumer may have given either written, unwritten, verbal, or nonverbal. This said vehicle was sold at an auction at the end of XX/XX/2022 and they received a larger amount than what was owed, and continued to make my credit report suffer.
Consumer complaint received 2019-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Date Reported- XX/XX/16 Amount- {$1200.00} Reported For- Suspected Fraud Activity I was never informed/aware of this activity from Bank of America XXXX
Consumer complaint received 2017-07-06
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: Experian Information Solutions Inc. (VA)

on my credit report from Experian, there are many credit report requests from XXXX XXXX. I dont have an active credit card with them and Experian should not share that information with them.
Consumer complaint received 2017-10-01
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: Experian Information Solutions Inc. (TX)

I am a military member and was away for a year and a half. Came how to check my credit report because I am in the process of buying my first home. I have XXXX inquirers on my credit that was not authorized by me, there isnt any proof that I made these request. I contacted customer service and they would not remove any inquiries off of my credit report
Consumer complaint received 2015-09-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (OR)

I have never own a Credit card from the XXXX and it appeared on my credit report as collections balance to XXXX. As I have obtained a mortgage for my retirement home in Oregon, lender asked me to pay the full balance in order to get the loan closing because the credit reporting agency has been refusing to remove the error off my credit report! I paid the full amount of someone else 's financial misdeed. My husband and I are on a fixed income please help us to get our money back. Than you
Consumer complaint received 2019-10-26
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. (NV)

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 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 ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. *** 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**** and XXXX XXXX****
Consumer complaint received 2019-03-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: AUDIT SYSTEMS,INC (NY)

On or about XX/XX/2018, I made a {$6000.00} payment to XXXX XXXX XXXX XXXX ( XXXX ) drawn on my Bill Payer account with XXXX XXXX XXXX XXXX XXXX, which employed XXXX XXXX ( XXXX ) to make the payment. 

Due to an error in my calculations, the check was returned for insufficient funds on XX/XX/2018. 

Even though the {$6000.00} was returned to XXXX by XXXX, XXXX keeps trying to collect the money again. 

I have communicated with XXXX and its first collection agency ( XXXX XXXX XXXX XXXX, XXXX ) several times, sent them a copy of the statement, and even sent them a letter from XXXX confirming that the money was returned, but -- instead of investigating -- it ignores whatever I send, and has now turned it over to another collection agency ( Audit Systems Incorporated ). 

I am afraid that they will besmirch my excellent credit record, and perhaps even sue me for money I do not owe.
Consumer complaint received 2017-07-06
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. (GA)

XXXX XXXX XXXX has been showing a closed account on my credit report since XX/XX/XXXX 2013. I have made several complaints and phone calls throughout the years to resolve this matter. I have reached out to the credit bureaus to send proof or validate information. Per the notes listed on my credit report XXXX XXXX XXXX  no longer owns the account, the account is a XXXX balance and the account was sold to another lender. Yet this negative item remains on my credit report without any validation which is against the law! I need proof. Remove this off of my credit report. I am fixing to get a lawyer since nothing has been done.
Consumer complaint received 2017-07-06
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: Nelnet, Inc. (FL)

have sent in certified letters stating and showing that several fraudulent accounts/police report and inquiries we 're open without my consent and permission on dates beginning XX/XX/XXXX and currently now. It 's been less than a year 11 months to be exact and counting coming into XX/XX/XXXX that no verifiable documents baring my signature was sent out in the mail to me by Dept of Ed/Nelnet, XXXX XXXX XXXX, several Inquiries and accounts we 're made without my consent and approval. I have been suffering a great deal of time since last year and all I get is a bogus Veirfied letter by credit bureaus and creditors. I am truly frustrated at this point and my next step is to file a civil lawsuit against XXXX & the creditors for breaking several FCRA laws.
Consumer complaint received 2024-02-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (VA)

I got an error when trying to log in which said " Online Access Temporarily Blocked '' and to call. No big deal, I've been an Ally customer for 10 years and this has happened before. I call and they say my account is under investigation because my personal check from XXXX  XXXX XXXX I deposited $ XXXX to Ally bank. Ally flag it and called suspicious when they already withdrew $ XXXX from my BOA. The process will take 10 days to clear the check. Im fine with that but why locked access to my whole Ally bank accounts? Usually when I call, they immediately unlock the account and sometimes make me change the password. But to lock me out of my accounts for 10 days for no reason is wild when I already explained to them what I did. I get my direct deposits through Ally and use it to pay bills, so this is really a frustrating situation.
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On Monday XX/XX/year> I applied for the Walmart Credit Card with Capital One. A few seconds later I received an email from Capital One stating I was denied the credit card due to the following reason : there have been too many recent inquiries. I immediately called Capital One 's Credit Card Application Office requesting they provide additional information to this false statement. The representative stated that she would re-submit my application notating several points I gave her ( 1 ) I am a long time excellent Capital One customer for more than 20 years and have jumbo bank accounts and credit card accounts with them ( 2 ) I have excellent 800 above credit ( 3 ) I only had 2 hard inquiries on all my credit reports/bureaus and 1 of them was Capital One whom checked my credit without my authorization. In fact I only have 1 hard inquiry. 

There was no reason for Capital One to deny me ( a long time excellent customer ). I have concluded after this experience that Capital One is violating the Consumer Financial Protection Bureau laws by unjustly discriminating against me and who knows how many others for false reasons. I request the US government to keep tabs on Capital One 's practices and transactions.
Consumer complaint received 2016-07-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

Experian is reporting an address that is not mine. I have disputed this incorrect information on many occasions and I have not have any success getting this incorrect information remove from my credit report. The incorrect address is the XXXX XXXX XXXX, XXXX, GA address.
Consumer complaint received 2022-08-09
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: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX I WOULD LIKE THIS ACCOUNT INVESTIGATED IM NOT SAYING ITS REPORTING RIGHT OR WRONG IM JUST NOT 100 % SURE. I HEARD BY LAW YOU HAVE 30 DAYS TO COMLETE THE INVESTIGATION OR THE ITEM MUST BE DELETED. I WANT THIS ACCOUNT REMOVED IF THERES ANYTHING MISSING PLEASE INVESTIGATE FOR ACCURRACY.
Consumer complaint received 2017-07-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

I purchased vitamins from XXXX XXXX XXXX for XXXX which I authorized on XXXX XXXX XXXX. 2 Weeks Later on XX/XX/XXXX they charged my debit card XXXX which I did not authorize. I have talked to my bank ( Chase ) and this Company because this was a mistake. I could not get help from either.
Consumer complaint received 2021-09-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: BANKERS HEALTHCARE GROUP LLC (FL)

Today XXXX once again I would like to ask this company to stop targeting me, I do not want to be contacted by this harassing junk mail. On XXXX XXXX I stablished a complaint against Bankers Healthcare Group XXXX OFFICE. XXXX XXXX XXXX XXXX. XXXX, FL XXXX. T : XXXX. F : XXXX This company refuses to acknowledge my request or to respond my complaint. At florida department of agriculture case # XXXX This company its using my name and personal information for marketing and solicitation. I just don't understand why this company is harassing me with unsolicited and never requested mail and loan offers. How this company got my information, what gives the right to this company to use my name and address. 
This company needs to respect the fact that my name is at the three credit bureaus and XXXX XXXX XXXX -out list and every credit bureau op-out list to included also the DMA. 
Please ask this company why they don't respect that, and Im pretty sure they're excused will be that my name got obtained out public records. I would like to know where? 
Please stop remove my name out their data base, and ask every marketing company not to use my name. I'm a handicap, I'm a war veteran and also I'm a senior citizen being target by this junk unsolicited mail. 
I had never requested, and I will never ask for this junk unsolicited mail to have my personal information in it. 
Please see the attached evidence
Consumer complaint received 2019-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. 

Chapter XXXX Bankruptcy Case Number : XXXX
Consumer complaint received 2017-02-10
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: COMMONWEALTH MORTGAGE, LLC (MA)

I attempted to refinance the mortgage on my condominium with Commonwealth Mortgage XX/XX/XXXX and went through the process as far as a conditional approval ( XX/XX/XXXX ). The conditional approval made reference to XXXX requirements that had been unexpectedly added to the conditions of the loan. The loan was then rejected due to the property 's non-compliance with the newly added XXXX requirements. 

Interest rates increased significantly between the application and denial dates. The first explanation that I was able to get from the lender was that it would have been difficult to sell my loan on the secondary market due to its non-compliance with ( the newly added ) XXXX requirements, and that I should have used a local credit union. Upon seeking further clarification I was told that Commonwealth Mortgage can not make loans that are not XXXX compliant, but no further information confirming this has been provided.
Consumer complaint received 2017-10-01
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. (KS)

In XX/XX/XXXX I mailed dispute letters for the negative items on my credit report to be investigated. After applying for internet services through century link I was told that their was already XXXX count opened at another address but I didnt live their so I provided a copy of my military orders to show to century link and was told to check my credit for other items. After viewing my credit in XXXX XXXX  i have over 90 credit inquiries and most were from fraud so I got a police report through XXXX XXXX Kansas police department located outside XXXX XXXX Kansas. I faxed it over to the burea on XX/XX/XXXX at XXXX at the box and ship located in XXXX XXXX Kansas . At the time I had credit repair companies fixing my credit which was XXXX XXXX XXXX XXXX XXXX XXXX. They both submitted the police report and I received letters stating it was added to my report but whenever I call the three bureas I dont get an answer. They told me it was under investigation and the link they provided doesnt work its always unavailable. Ive tried contacting the companies from which the inquiries came from but they dont keep records was what I was told from representatives.
Consumer complaint received 2021-09-07
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. (NY)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.