davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-18
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. (IL)

My FCRA 15usc 1681 and HIPAA rights have now been violated and no one has done anything about it. I sent in written requests, but the credit bureaus keep losing my inquiries. Additionally, they are not updating my credit file that anything is in investigation, so it is as if they are purposely ignoring my requests. This is a violation. I was supposed to receive updates after 30 days and I should be able to see the accounts that are actively being investigated with a current status update, but this is not the case, and it has been more than 45 days. The current status of the dispute should have been recorded. Please do something about these 3 violations and they are getting away with committing toward me. 
The accounts that have no updates at 45 days and still have incomplete and inaccurate information on my credit file are the following : XXXX ) XXXX XXXX XXXX  : Acct # XXXX account dates are different on XXXX XXXX Equifax and XXXX, since it is inaccurate and still incomplete this should have been removed no later than XXXX. 
XXXX ) XXXX XXXX XXXX : Acct # XXXX, Acct # XXXX, Acct # XXXX and Acct # XXXX these accounts amounts are different on two of the credit bureaus. And one doesn't have an amount listed even close to the other two. This is completely inaccurate and should have been removed or updated within 30 days.

This is illegal and goes against the very Law book they advise they adhere to. No one responses to me in a timely manner, they do not update my current account status and they do not correct inaccurate and incomplete information. 

HELP.
Consumer complaint received 2021-06-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (TN)

I have tried to obtain mortgage statements and a payoff with the company. I am unable to get ahold of any representative. I question the legitimacy of this company. I have tried since XX/XX/XXXX and have not had any luck. I have called by phone, left voicemails that are unreturned, I am unable to get onto my account online. I have sent emails, and online inquiry request with no response. Just awful.
Consumer complaint received 2020-01-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TD BANK US HOLDING COMPANY (MD)

Back in XX/XX/2019, I applied for a SBA Business Line of Credit with TD Bank. Shortly after, I was pre-approved for a SBA Business LOC of {$100000.00}. A few days after submitting the necessary documents I decided to apply for the same LOC at XXXX XXXX. As expected, I was pre-approved for a SBA Business LOC for {$100000.00}. Long story short, I eventually closed on the XXXX with XXXX XXXX  without any issues. However, TD Bank eventually denied my application. When I asked them why? The XXXX Banker informally stated that due to my outstanding balance with the IRS, my loan could not be approved. However, I explained to the rep that, although I have an outstanding balance, I do not have any judgements, liens or defaults against me. The outstanding balance is due to a pending review and my payments are current. More importantly, I explained that another major bank had a approved me and I provided TD with my closing documents. TD Bank insisted that the denial of my application was valid and that I would receive a formal denial letter within the mail. However, its been over a month and I have not received any documents explaining the reason for my denial which has led me to believe that I am being discriminated on for either my race and or gender. I would like this situation reviewed and a valid explanation be provided.
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/XXXX & XX/XX/XXXX, I received denial of business credit with Chase, I have sent out Adverse of action letters in regards to this matter. I am still waiting on a response from the Executive team member by the name of XXXX ( XXXX ) XXXX XXXX ext. XXXX at Chase reference numbers : XXXX & XXXX
Consumer complaint received 2023-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Please refer my complaint against Bank of America during last month. Complaint XXXX XXXX. I have explicitly told Bank of America to not call me unless you have a resolution. Bank of America really needs to be trimmed down and become efficient. Somebody from Bank of America called me for this case when i was totally busy. 
Whenever somebody from Bank of America- they waste a lot of time in verification etc ... Bank of America might say that it's part of their job but why not be more efficient and not waste customers ' time, Today at around XXXX, I called Bank of America as I was not able to setup XXXX even after providing new email-ID. It's saying that email-ID exists. Tried call and asked for supervisor..Supervisor disconnected the call - almost 45 minutes got wasted. Tried on teh chat- they were not good enough to resolved on the chat also. 

But suprisingly Bank of America is too easy when it comes for ACH or wire- as they make money in these kind of transfer service. XXXX is too difficult and intentionally Bank of America is making it difficult for the customers.
Consumer complaint received 2020-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$150.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$150.00} -This is not my account.
Consumer complaint received 2018-02-09
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. (GA)

This is XXXX XXXX : It appears that the first letter I sent was verified and I dont agree. I have attached the second letter onto the attachments down below. Your company has violated my rights within The FCRA section 609. You didnt use the correct steps in verifying the inaccurate accounts and errors youve claimed to be mine and forcingly placing accounts on my report. I asked for the steps of the verification method because I know that the FCRA SECTION 609 states that you must have an original contract showing that I owe a debt along  with the signature shown on the original contract. I have asked for that and I havent gotten a respond from any of your credit bureaus. Its been a total of 90 days. No creditor has responded within that time as well and all the inaccurate items should be removed immediately. My next step is to file a complaint with the FTC if you dont remove the accounts immediately. This is my second letter and I am keeping record of all the letters and documents that have been sent to your company. If this continue with anymore reports showing verified I will be forced to go down to the county court house in XXXX Georgia to file a lawsuit upon your companies. This is a warning. I have attached pictures of the inaccurate accounts and inquiries to be removed along with a 2nd letter of warning. Also pictures of my passport and social security card.
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CO)

Equifax did not address my original complaint. CFPB COMPLAINT XXXX SUBMITTED ON XX/XX/2021 It appears they did not read it and just provided a 'canned ' response. My complaint stated clearly that I was unable to obtain my annual free credit report from them. I successfully received from XXXX and XXXX with no issues on line. I tried online for Equifax as well but was unsuccessful. I answered all the questions correctly in order to obtain my free credit report from Equifax. How could I obtain both XXXX and XXXX but not Equifax. I clearly stated I will not mail my SS #, DL #, etc. That is opening me up for fraud. And how would I know that if I mailed, whoever reviewed would not use my information for fraud. Isn't that the point of online? Not to sound political, but this sounds like suppression regarding ordering my free credit report. Similar to voter suppression in Georgia. And I never authorized Equifax to gather my personal credit information and release to banks, etc. That is why I want to see my annual free credit report from them to make sure the information they gathered is correct. Everything was correct with XXXX and XXXX. Again, Equifax didn't even address my complaint. They simply returned a 'canned ' response to make it difficult for me to obtain. If they had read my complaint, they would not have sent.
Consumer complaint received 2020-01-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lending Club Corp (CA)

I went to the dentist on XX/XX/XXXX. I was told that my treatment would be {$6000.00}. I applied for a medical loan through Lending Club ( XXXX XXXX XXXX ). I was approved for {$6000.00} at {$500.00} per month with a 0 % APR. Subsequently on XX/XX/XXXX I went back to the dentist and the amount of my treatment changed to {$7200.00}. I reapplied for an increase and was approved by Lending Club ( XXXX XXXX XXXX  ) for {$7200.00}, {$180.00} a month at 17.90 % APR. My dentist sent back the {$6000.00} to Lending Club ( XXXX XXXX XXXX  ).  Lending Club continues to send mw statements that do not reflect the new terms of my new loan of {$7200.00} with a payment of {$180.00}. I have a statement showing that they XXXX XXXX XXXX has added both loans together totaling {$12000.00} ( original purchase amount ). I have sent to them numerous times the new contract and repeatedly called them to ask for assistance in correcting and have had no success. My fear is that my credit is being destroyed for their mistake as I will not pay until corrected. Even as I submit this complaint today XX/XX/XXXX I received a collections call from XXXX @ Lending Club asking for the payment on {$12000.00}. XXXX confirmed that he sees notes about my complaint and does not know why it was not updated. I told XXXX that I had no other option but to file a CFPB complaint in hopes to get resolution. He then transferred me to Customer Service and my call was dropped. I need resolution as I am a good paying citizen and I do not wish to have my credit damaged.When they call they continue to ask for amounts over {$500.00}??
Consumer complaint received 2024-03-25
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: SANTANDER HOLDINGS USA, INC. (IL)

To make the long story short. 

I paid {$2900.00} in order to get my vehicle and property back. I got my vehicle from the auction where they had moved it to. And discovered it had been damaged. 

I called my financing company to put them on notice that my vehicle had a damaged windshield. And missing handle. They quickly sent me a damage complaint form. I went to retrieve my belongings on XX/XX/year> at XXXX I went to retrieve my property that was in my vehicle at the time of repossession.. I went to the back gate where they closed it behind me and gave me an ultimatum sign the document and get my property back.or I leave without my belongings. 

While looking over paperwork i noticed the language of the document would leave those responsible of the damage harmless of liability. I refused to sign and because I refused they still held on to my belongings ; So I paid the total balance of {$2900.00} plus the bogus processing fee. And I still dont have my belongings. I filed the damages complaint already but am I hoping to find an attorney who will help. Get my belongings and am looking to be monetarily compensated for all the violations. 


So I have photo evidence of the unlawful paper work that was presented to me. 
As well as photo evidence of the damages.
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I sent 3 dispute letters to Experian in concern of my student loan account, not reporting the correct payment history on my credit report. Experian credit bureau has told me that they have checked information but has not yet to send me any proof, By not being transparent is hurting my personal life. I have also contacted them numerous times by phone the last TWO dates where XX/XX/2021 an XXXX XXXX
Consumer complaint received 2023-03-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by an efficient fraudster posing as a government official which involved me making deposits for a total amount of XXXX USD from my Bank of America account to the fraudster.
Consumer complaint received 2019-03-16
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

Company 's Response Thank you for submitting your complaint on XX/XX/2019 through the CFPB Complaint Portal. We reviewed the information you supplied. In your complaint, you indicated there are inaccurate or incomplete items appearing on your Equifax credit report. The format and verbiage of this complaint is similar to other complaints received from consumers utilizing the services of a credit repair company. To ensure the privacy of our response, Equifax will not respond to this complaint via the CFPB portal as we suspect that it may have been submitted using a credit repair company. Please be advised that you do not need a third party to help you with your Equifax credit report. You may contact Equifax at https : //www.equifax.com/XXXX if you have any questions or concerns in regards to your Equifax Credit Report. Unfortunately, there is not anything a credit repair clinic can do for you that you are not able to do yourself. If the information is accurate and furnished by a provider meeting the legal requirements for reporting credit information, it can not be erased from your file by companies advertising " credit repair '' or anyone else making these types of claims. Please note that any subsequent submissions utilizing the services of a credit repair organization will be handled in this same manner. The results of our reinvestigation will be mailed to your current address within 30 days utilizing our normal dispute process.
Consumer complaint received 2021-03-31
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. (SC)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-01-27
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. (MN)

The following accounts listed on my Experian, XXXX  and XXXX XXXX credit report are fraudulent, unauthorized and not my accounts : XXXX, {$14000.00}, XXXX XXXX XXXX XXXX XXXX, {$5000.00}, XXXX XXXX   XXXX XXXX, {$30000.00}, XXXX, {$3400.00}, XXXX XXXX XXXX, {$500.00} and XXXX XXXX/XXXX XXXX   XXXX, {$1800.00}. I been receiving harassing and threatening telephone calls at XXXX XXXX and XXXX XXXX  of profane and abusive language from the listed creditors regarding a debt I dont owe the creditors for, because the accounts are fraudulent and not my accounts.
Consumer complaint received 2018-02-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc. (FL)

Pulled my credit report last week and noticed that a debt collection agency FIRST FED CREDIT CONTROL is noted on XXXX report in collections. I reached out to them on XX/XX/XXXX and gave the rep. all of my personal info they required to pull up my account. They were unable to find me in their systems. I was then told that a manager had to call me back about this situation. The manager hours later called me and stated that I owe {$120.00} for a medical bill in XX/XX/XXXX. I asked who was the original creditor and they were unable to provide this information and stated that they bought the debt from another debt collector and also did not provide that company information. So I am having trouble validating this debt and I do not recall ever getting services from the medical provided listed on the credit report.
Consumer complaint received 2024-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

On XX/XX/XXXX I requested the removal of Private Mortgage Insurance from my loan, from which lender PennyMac requested an Appraisal. 
The appraisal showed the LTV was less than required 80 %, and they proceed and removed the PMI payment from my monthly payment After Escrow account revision done in XX/XX/XXXX, I did not agree with the terms and requested de deletion of Escrow Account. 
Lender requested the payment of the shortage for the time of the request, which I made the same day, for an amount of {$5500.00}. 
After payment was reflected in my account I called again and requested the Escrow deletion, which they processed. 2 Weeks later I received a Denial letter saying that an loan to value ( LTV ) ratio was not met, which is not true as they do have the latest Property appraisal which shows less than 80 % of LTV ; and they used it to remove the PMI payment. 
I need all Escrows payments removed as I comply with all requirements for it.
Consumer complaint received 2021-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Bank of America in XXXX, CT has the worst customer service. I have a Power of Attorney for my father 's business account. In XXXX I called the customer service number in order to dispute 10 transactions that I deemed fraudulent. I was told that I needed to fax in the POA. It is now XX/XX/XXXX and the problem may have been resolved. In XXXX, I waited 10 business days and called the fraud number. My name wasn't attached to the business account. I called and got a regional manager who said he would assist. I then went into the XXXX, CT branch and an employee seemed to try to assist. He supposedly made phone calls. The XXXX employee said I had to re submit the POA. Then XXXX came. I waited 10 more business days and nothing. The XXXX employee said to wait 30 days! Months go by and the regional manager had me speak with his co-worker who was to assist. Then XXXX came She then sent a XXXX envelope to re send the POA. I continued to question if these people were really helping or just placating me. I sent the POA 3 times. In 5 months my name was never attached to the original POA. I obtained a Durable Power of Attorney which had my sister 's name attached. I sent that to the District Manager and suddenly she was able to speak to someone regarding the fruadulent charges. I seek to find out why this took 5 months. Excuses over the 5 months # 1. The pandemic and not enough staff to put my name on the account. # 2. We don't know why your name hasn't been added, send the POA again. # 3 your name was added to the wrong account not the business account. Are the Connecticut employees that disorganized or did they just not want to help me? I was always told that my name would be added. I would call land nothing. Lie after lie after lie. Five months is too long to get this fixed.
Consumer complaint received 2024-03-25
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

on or about XXXX of XXXX  i sent request for either a copy or the original of the contract that states i have a debt to capital one auto finance, they replied that they do not have the original contract, so i sent back a cease and desist to capital one auto finance in regards to collecting payment on the account that they can not provide me the contract on. once i sent the cease and desist i had to file identity theft on capital one for having a " contract '' with me that they could not provide proof of. 4 months after i filed identity theft capital one auto finance had my vehicle ( my residence ) repossessed, then ried to force me to pay an additiional $ XXXX to obtain legal rights to my vehicle again that i already paid over $ XXXX on.