davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-08
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NC)

I have applied for loan modification for a coarse of 3 years, and every time denied for the same reason. As a result I filed for bankruptcy protection to save the home. On all accounts the response was denial due to 80 % loan to value, which is false. I live in a very popular part of the country where an influx of people are moving from all over the USA and world, in saying this my equity continues to climb, being that Ive owned the home since XXXX. I got behind in XXXX due to a XXXX XXXX, divorce, and loss of job bam all together. I have paid back all except {$13000.00} and wanted to roll the rest into the home in a conventional loan. Last week I called as well as today, to follow up on a second review for a modification, and they didnt have my contact number, the number they had was from XXXX. I was also told by the representative that I needed to contact the investors and they had received my information. Im concerned during Covid Im going to be in the street. I have been working consistently for 3 years and continue to excel as well my son came home and is dedicated to help as well and committed his income but to no avail. Im desperate in saving my family home. Its not a huge home but its mine. Who would rent to me with a bankruptcy never mind that A due to growth theres nothing to rent and B you guessed everything is expensive if you can get it. 

Grateful for your time Best XXXX XXXX
Consumer complaint received 2018-07-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America reported me to XXXX making it impossible for me to open up any account with any bank. The consumer ID : XXXX social security : XXXX. This was not right as to Fraud this whole situation was not my fault and it is affecting my life in a negative way. I wish for Bank of America to remove this item from chexsystems as there was no intentional fraud committed. Thank you in advance for your prompt attention to correcting this matter that has so negatively effected me.
Consumer complaint received 2021-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I was approved by the SBA and a lender funded my PPP loan on XX/XX/2021. I submitted all my information to achieve approval. I am an XXXX XXXX and needed these funds to pay for my craft, as Im grossly in the red. I went to pull off my funds today XX/XX/2021 ( tomorrow is the first all bills are due XXXX, after being able to use my account all week, uninterrupted, even having a rep increase my limit, now to be told that my account is frozen, with not only funds from the SBA but funds that were directly deposited from other sources. They need documentation of the funds received, when asked what do I need to send in, I was told everything that I can. When I call the Capital One phone number I am being told I have to leave a voicemail. I have been banking with Capital One for over 2 years now and have 3 credit cards. I have never been treated like Im a criminal. I feel like I was flagged because the lady at the counter saw a young XXXX XXXX female and assumed fraud. This is the second time that I have visited this bank branch to withdraw a large amount, the first time I had no issue. 

At this point I want my money to be released to me so I can close my account.
Consumer complaint received 2017-09-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (DE)

I've had this car auto loan for two years and been doing fairly well with making payments at timely fashion and I just don't feel with two years worth of payments aren't going to my principal rather to the interest rates... this past year along I struggled because I don't know why every month my payments almost doubled than the typical amount.
Consumer complaint received 2021-09-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (IL)

National credit systems is a third party collection agency, that have information illegally of mine, any one on can obtain information of a person Im not obligated in any way or form Show proof that Im obligated in writing that I bind to pay you National credit systems
Consumer complaint received 2021-05-24
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. (CA)

I contacted Equifax about unauthorized inquiries on my credit report and a letter stating that inquiries are a factual record of permissible reason, maybe not exactly what they stated. 
The point : The following inquiries are not tied to any accounts on my credit file and were associated with accounts under a young lady from XXXX, Miss. I was told to send a FTC report by fax which I did ands still they remain. The letter was faxed XX/XX/XXXX and was told it takes 5 business days! 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX The following inquiries as the ones above were not tied to any accounts that I have on my account and I did not give anyone permission to access my credit file from these companies. Two were solicitations for a mortgage for a home which I just purchased and I declined their offer. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX The following inquiry was unauthorized by me and there is no account associated with this inquiry. The date are incorrect as well since I did have an account with them in XXXX. 

XXXX XX/XX/XXXX
Consumer complaint received 2017-09-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I was contacted by a gentleman named officer XXXX who identified himself as an agent with CFPB He gave me this number XXXX and used your XXXX XXXX address. He informed me that there was a check for me in the amount of {$970000.00} from Bank of America and I was to call the following company to claim my winnings XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, Fla XXXX at this number XXXX I spoke with a man named XXXX XXXX there and he gave me a number for Bank of America to call They were some kind of insurance bond company He gave me their number and instructed me to a certain prompt He informed me not to listen to the entire recording since it was very long and in several languages. I was to call BOA at XXXX and press 3 From there I was to entire the account number XXXX with a pin of XXXX When I did that the recording said there was {$970000.00} in " my '' account. I hung up and called back and tried a different prompt and boith times was cut off I did not use the press 3 again. I then turned around and called Agent XXXX back at the number above and was informed he was not there and would call me back I gave him my name but no number Of course there was no phone call However when I called their recording and information is identical to your offices which I called after trying to reach XXXX XXXX. I did speak with a very nice woman who did inform me that this was obviously a scam and send me the link to report it I am also following up with the FTC
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-03-24
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. (NC)

I have recently reviewed my consumer report and discovered items listed that result in misuse of my report and violate the law. I did not give any written instructions for these accounts and alleged late payment transactions to be furnished on my report. One of the reporting companies agreed to remove the late payment information, but no action has been taken. 
XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-12
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (CA)

I am XXXX. On XX/XX/XXXX my government SSI benefits became available. I live in XXXX, CA and my card was fradulently used in XXXX XXXX, about XXXX miles away at XXXX XXXX. ( cst ). 

I received 2 email alerts from DirectExpress regarding these transactions ... Automated Fraud Alert and Suspicious Activity Alert. 

One transaction for {$200.00} was successful and another for {$500.00} was declined. Both were performed at the same merchant location and on the same day, XX/XX/XXXX. I contacted DirectExpress and informed them of the fraud and confirmed I had not made these transactions. I was told my card would be reissued and that I had to submit a form in order to receive credit for the money taken from my account. 

I received an email response today regarding my complaint from DirectExpress that no fradulent activity was found, I will not receive the {$200.00} credit, and the case is closed. I have been waiting for a replacement card since XX/XX/XXXX and have not paid rent or bills, I have no money to buy food or other necessities. Their response is unacceptable.
Consumer complaint received 2020-10-25
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

In XXXX i wrote Capital One a XXXX letter asking for forgiveness for missing a payment due to the Covid-19 Pandemic in exchange for never missing a payment again. 

I explained that i lost funds and lost of income due to the Covid-19 disaster, also that was going to need my payment history up to apply for a better credit card to prepare for a custody battle. 

It has been 6 Months an i kept my promise to never miss a payment again, Capital One is the only missed payment i have on my credit report. all i ask for is another chance to have my payment history back to XXXX percent.
Consumer complaint received 2017-09-20
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CO)

THIS IS NOT A DUPLICATE COMPLAINT - READ THE ISSUE AND REQUEST, THANK YOU. On XXXX XXXX, XXXX I received letters from XXXX XXXX and XXXX XXXX stating they would 'investigate my concerns ' and get back to me in 10 days, however I received a form letter and no contact information for a follow-up. I did not receive a copy of the paperwork requested that shows I opened this account, my signature, and the name of the Wells Fargo rep that assisted in this transaction. PLEASE NOTE : I have also sent MULTIPLE inquiries via email to several financial investors at WELLS FARGO and never received a reply to my requests. 

A Wells Fargo rep in XXXX, CO, XXXX, assisted with my investment request to open a XXXX IRA investment account - number XXXX ( XXXX XXXX ). The Wells Fargo branch rep told me this was a safe and secure account to earn interest and increase the savings as any IRA but not too aggressive to lose money. The account has earned next to nothing since inception. After requesting more information on what this account was actually invested in, and not getting answers I feel that the branch has deliberately scammed me. Wells Fargo gives me the runaround by every branch I go to and it 's clear that Wells Fargo took my money, is using it interest free, while taking advantage of the fact that they can get away with being evasive. I never received a copy of the paperwork when signing up for this account. I have no paperwork from Wells Fargo about this account except the account number and tax statements. I expect a copy of the paperwork for the opening of this Roth IRA and I expect Wells Fargo to explain why this account was not placed as an investment as requested at the branch upon the opening of the account. Thank you.
Consumer complaint received 2020-06-01
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. (WA)

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In Accordance with the FCRA section 611 ( for inquiries ) this companies violated my consumer right, I did not authorize nor have anything to do with the following inquiries. 

XXXX. XXXX 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
Consumer complaint received 2020-11-15
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. (FL)

I Called Transunion on XX/XX/2020. Customer Service Wouldn't help and take care of the Negative Hard Inquires reporting to my credit report. THAT I DID NOT AUTHORIZE As Iam A Victim of Their Inquiry Issues!
Consumer complaint received 2021-04-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Coradius International LLC (OR)

I received a letter in the mail ( date XX/XX/2021 ) from American Coradius International LLC ( ACI ), saying that I owed a debt to XXXX and they are collecting on that debt. 

I do not owe any money to XXXX. I do not know if my identity was stolen or fraud or what, but this is incorrect. After researching ACI a little more, apparently they use these same tactics on/with many others. 

I would like it stopped without having to contact them and reveal any more of my personal information to them, as is being requested in the letter I received. I do not trust that this is not a scam and do not wish to contact them in person by phone, email, website or any other way that would give them more information about me than they have already managed to get.
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONWIDE ACCEPTANCE LLC (UT)

Nationwide is reporting an erroneous debt on my credit file that I do not owe. I recently checked my credit file and noticed this reporting on my credit. This account is very old and past the statute of limitations to enforce any debt collection activity in the state of Utah. Not only that, under the FCRA this account is past the credit reporting limit and continuing to report this debt is a violation. Please remove this account from my credit file.
Consumer complaint received 2021-04-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a checking account with Bank of America for 20 years. On this date, I had a bank balance of {$260.00}. 3 items were presented for payment, Item 1 was for XXXX, Item 2 was for {$75.00} and item 3 was for {$170.00}. Bank of America processed the {$270.00} item first which overdrew my account and then processed the {$170.00} and then the {$75.00} items which also created an overdrawn bank account. So, Bank of America charged me {$35.00} for each overdraft item or a total of {$100.00}. If they had processed the {$270.00} item last, then my account would have only been overdrawn once ( $ XXXX {$75.00} leaving {$180.00} and then processing the {$170.00} item leaving a balance of {$11.00} and finally processing the {$270.00} item which would overdraw my account ) This scenario would only cause 1 overdraft fee of {$35.00}. When I contacted the bank, they told me that the bank policy is that they process payments high to low. I said they should process low to high. The person told me she could not reverse the charges and when I asked to speak with a manager I was denied that option.
Consumer complaint received 2023-01-18
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. (AR)

I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credit report : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have made some research prior to submitting this CFPB Complaint and I have read that under the Federal Law, Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft. I am submitting this CFPB Complaint to request of you to please remove the fraudulent accounts and information from my Credit File as soon as possible.
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TRANSUION violates my consumer right to privacy under the FCRA,15 USC 1681 ( a ) ( 4 ), TRANSUION willfully causing me harm and mental anguish by reporting invalidated accounts information on my consumer report without my written instructions and consent as mandated under 15 USC 1681b ( a ) ( 2 ). 
TRANSUION never provided me with a notice of negative information in writing as mandated under 15 USC 1681s-2 ( 7 ) ( A ) ( i ) and 15 USC 1681s-2 ( 7 ) ( B ). My federally protected right have been violated in multiple counts, TRANSUION is intentionally, willfully and knowingly ruining my reputation and my credit. ( Please see attached filed for more details )
Consumer complaint received 2020-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I've seen no changes for the accounts that I have filed last month, I still see multiple 30-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-04-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (NM)

We bought a new car from XXXX XXXX in XXXX XXXX NM on XX/XX/XXXX. We put down {$7000.00} on the XXXX XXXX XXXX. Rhe original price quoted on their website was alittle under {$20000.00}. But by the time we put the money down the total price for the car wasThe loan is in my husband and my name we were not told that the finance company ( Credit Acceptance ) charged us approximately {$7000.00} fee to finance both of us. When I called the car Dealer XXXX XXXX. No one could explain to me the reason for the finance charge. I was then hung up on. So we called credit Acceptance and they stated that the fee was between us ( my husband and myself ) and the car dealership. So we contacted the dealership again and tried to speak to the finance person and was told that he was to busy to take the call. We now have left messages with the dealership everyday since XX/XX/XXXX to which no one has called us back. We would like some resolution to this issue as we feel that we were bullied to sign papers and not given time to read the contract or anything. My husband and I are both over XXXX XXXX XXXX and really feel like the dealership stuck it to us. Also, none of the paperwork reflects the correct mileage on the car. We disputed that as well. Some papers say 10 miles and some say 1 mile.