davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-01
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Innovate Managed Holdings, LLC (FL)

Back during hurricane Irma in XX/XX/XXXX, My job was closed for 2 months due to damage, XXXX XXXX offered me 3 month deferment on my car loan, once we got to the end of the loan, which was suppose to end XX/XX/XXXX but extended to XX/XX/XXXX due to the deferments. They reported late payments, although I was still making monthly payments on my due date. I called in XX/XX/XXXX to see why my balance no longer had a due date, they told me not to worry about it and to continue to make my monthly installments of XXXX until my loan is paid off. Once I paid off my loan my credit score decrease a total of 34 points due to 120 days late XXXX XXXX/ Innovate Auto Finance reported on my credit report. The loan is now paid off but am personally suffering, I am trying to purchase my first home which I have been denied due to the recent reporting.
Consumer complaint received 2020-12-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have 90 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2021-08-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Credit Recovery, Inc. (LA)

The issue starts with XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, failing to honor the contractual agreed upon max fees allowed on services rendered for XXXX & XXXX services. 
XXXX XXXXXXXX XXXX is a preferred provider with my primary insurance carrier, XXXX XXXX ( XXXX XXXX ). 
XXXX XXXXXXXX XXXX has since sent their improper accounting information to Southern Credit Recovery XXXX XXXX XXXX LA XXXX. 
Southern Credit Recovery is now dening my consumer rights to dispute. 
I have provided a detailed explantion of dates, charges, maximum allowed charges, amounts paid by each insurance company and my personal payments which reflects an over paid amount due payable to myself. 
I have attached a copy of what I sent to Southern Credit Recovery along with their response to my appeal. 
I have copies of all explanation of benefits which shows maximum allowed charges, insurance paid amounts to XXXX XXXXXXXX XXXX and my personal payments.
Consumer complaint received 2020-12-01
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: EQUIFAX, INC. (FL)

On XXXX I've sent Disputes for unknown and inaccurate accounts on my credit report over 30 days now but there's no response yet. I was a victim of Equifax Data Breach. I demand to deleted all the accounts or I will file a litigation.
Consumer complaint received 2020-12-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (MD)

I recently obtained copies of my credit report and noticed inaccurate account reporting. An alleged debt is being furnished on my credit report which is a violation of 15 USC 1692 b ( 2 ), because it being furnished would mean that I owe the alleged debt but you are not authorized to claim I owe anything and this reporting on my credit report, this is also advertising to coerce payment which is illegal.

In addition, banks can not loan money or extend credit 15 USC 1692a, banks are borrowers and I am the original creditor. 15 USC 1602, defines the term " Credit card '' which means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property.

I am the original creditor, 15 USC 1692 a ( 3 ) and am invoking my cease and desist rights, according to the Fair Debt Practices Act, 15 USC 1692a, there is no definition for the term '' loan ''. Also banks can not lend money, nor extend credit. A bank has no power to lend its credit to any person or corporation " Bowen v Needles Nat Bank, 94 F 925, 36 CCA 553, certiorari denied in 20, Ct 1024, 176 US 682,44 LED 637.

I am requesting Wayfair Inc to cease and desist all communications, payment be submitted to me for all violations per 15 USC 1692 k listed in the attached.
Consumer complaint received 2020-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2024-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir/Madam, I am writing to bring to your attention a concerning issue I am facing with Bank of America XXXX my mortgage company for over 20 years. Recently, Bank of America has informed me that they will not accept my mortgage payment unless I open a consumer checking account with them and pay my mortgage through that new account. I believe this requirement is unconscionable and may be in violation of several federal banking laws.

First and foremost, this requirement appears to violate the Electronic Fund Transfer Act ( EFTA ), which prohibits financial institutions from conditioning the extension of credit on the consumer 's repayment by preauthorized electronic fund transfers. By mandating that I open a checking account with them to make my mortgage payments, Bank of America is effectively tying the extension of credit to a specific payment method, which is prohibited under the EFTA. 

Secondly, this requirement may also violate the Truth in Lending Act ( TILA ), which requires creditors to disclose the terms and conditions of a credit transaction to consumers. By imposing this new condition of opening a checking account to make mortgage payments, Bank of America is potentially failing to provide clear and accurate information about the terms of my mortgage agreement, as required by TILA.

Furthermore, this practice could be seen as a violation of the Equal Credit Opportunity Act ( ECOA ), which prohibits creditors from discriminating against applicants on the basis of certain characteristics, including the requirement of opening a checking account with the creditor. By imposing this condition on me, Bank of America may be engaging in discriminatory practices that are prohibited under the ECOA.

In light of these potential violations of federal banking laws, I respectfully urge the Consumer Financial Protection Bureau to investigate this matter and take appropriate action against Bank of America. I believe that consumers should not be subjected to such unfair and unreasonable requirements by their mortgage servicers.

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. PLEASE DO NOT HESITATE TO CONTACT ME AT ( XXXX ) XXXX WITH ANY QUESTIONS. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-03
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R.M. Galicia, Inc. (AZ)

I contacted the company today calling to see about setting up a payment arrangement for the account that they are a third party collector for the amount of {$2600.00} with them. The representative said he was unable to make any sort of a consolidation or accommodations and demanded payment in full oh. Then the representative told me that if I didnt pay them that it wouldnt run my credit and then I would not be able to finance a house get a credit card or any other sort of loans. The representative instills great fear into me that my credit would be damaged is XXXX years old that I would never be able to own a home again. I spoke to a supervisor who was also unable or willing to help rectify the problem that her representative caused. This occurred on XX/XX/2020
Consumer complaint received 2020-12-01
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 — Was not notified of investigation status or results
Company: Self Financial Inc. (MA)

This is really upsetting. My scores went down bigtime due to this inaccurate late report. If you will take a look at the report only 1 agency is reporting this as late.
Consumer complaint received 2023-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of the Hudson Valley, Inc. (MA)

The following are the details regarding the collection of {$18000.00} for my XXXX XXXX XXXX XXXX ( XXXX ) account for the check fraud. 

On XX/XX/22 I received a job offer from XXXX XXXX XXXX XXXX XXXXXXXX. My manager asked me to send checks for employees resource purchases. I sent some money to him as cards. As soon as I got suspicious went to the bank and talked to the manager ( XXXX branch manager in XXXX, MA ) around XX/XX/22. He called their collection dept and informed me that it is my responsibility, and they are going to close the account since there is a deficit of more than {$14000.00} and if not paid in 60 days ( about 2 months ) of time. Filed a complaint with the XXXX, MA police on XX/XX/22. I talked to XXXX collection dept in XXXX and XXXX several times, but they still stick to their decision to collect the money from me. Received a letter from CBHV Collection Bureau Hudson Valley Reference No : XXXX for a collection amount of {$18000.00} including the fees. They called me today XX/XX/22 and said I must pay the amount. I told them the story behind the collection. 

Please cancel this debt and fees since it is the banks responsibility also to check for fraud and I had no idea that it was fraud at the point that I was sending money. I am a victim of fraud.
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Avadyne Health Holdings, Inc (SC)

On XX/XX/2021 H & R accounts added a derogatory mark on my credit report per XXXX XXXX XXXX XXXX. Upon, further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection also there was no written form of communication, contract or written signature for this accused debt. A bill without a written signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA H & R Accounts Inc has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2024-03-01
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I have 3 AMEX gift cards with balances of {$20.00} {$140.00} and {$290.00} I have not been able to use the card online. Several times I thought the card worked only to find my personal account was billed as a back up.
Consumer complaint received 2023-03-25
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. (NV)

XXXX  XXXX continues to report medicals bills under {$500.00} on Experian, XXXX XXXX and XXXX. Based on the new guidelines Medical bills Under {$500.00} should not be on the credit report. I have contacted XXXX  XXXX several times and they have refused to remove from the credit report. 

Their act is unfair and deceptive acts to attemp to colllect a debt as other people Are not treated the same. Why is it that The medical bills under {$500.00} for other peoples accounts were removed by them, but mine were not. 

I am asking that all medical bills under {$500.00} from XXXX  XXXX I removed from my credit report. 

XXXX  XXXX this does not have to do with the credit bureaus you guys are in charge of the account Kindly remove them from my credit report. I do not understand why you guys are pinpointing me and only me and treating me in this fashion.
Consumer complaint received 2020-09-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/202 received a grant of XXXX dollars from the SBA Covid-19 disaster loan, I'm a sole owner so the deposit was put in my personal checking account, took out {$2000.00} from the ATM to make payroll, CHASE then decided to freeze my checking and saving accounts on XX/XX/2020, then I received a loan from the SBA for {$32000.00} dollars on XXXX XXXX that went into my checking account. Spoke w/ Chase employees at the XXXX XXXX XXXX Branch and I was informed that I needed a Business checking account which I had opened online. After four trips to that branch I was informed that I needed the following to put the money in : EIN # which I completed on XX/XX/XXXX, Assumed Business Name DBA with XXXX County in Illinois, Note : Office of XXXX county clerk closed in XX/XX/2020 and reopened on XX/XX/2020. Paid the XXXX dollar fee on XX/XX/2020, paid another {$65.00} fee to the law bulletin/index publication on XXXX XXXX to published my DBA business name once a week for 3 weeks, and on XX/XX/XXXX XXXX CHASE Bank closed my accounts? I was informed by CHASE employees that a check would be mailed, still waiting? On XX/XX/2020 I received my Assumed Business Name Certificate, took these documents to CHASE brand located on XXXX & XXXX XXXX, went back to back every week and no news about the location of money, employee have no idea where money is or who to contact since CHASE is not answering their phone calls? On XXXX XXXX the branch Mgr stated I needed to get a letter from a CPA or Attorney stating that I am the the sole owner of DBA company and have authorization to to business in XXXX. Took letter back to CHASE on XX/XX/2020, and told that this should take care of the release of funds, hopefully? On XX/XX/2020 received a call from CHASE bank service rep from the branch on XXXX & XXXX XXXX and told the letter from attorney was not good enough? On XX/XX/XXXX went up to CHASE twice and no one could be of any help, per employees they have no idea who is handling this issue, so far. SBA stated that they funded the money and they can't do anything because CHASE has the funds? Per SBA CHASE is doing this to customers in XXXX, and Florida. Where is the money, this loan repayment is due in 12 months, how can I repay a loan I never had access to? Is CHASE just stealing in certain areas only and are the people being targeted in a certain economic grouping?!? Also, SBA stated that if you are a sole ownership that funds could be place in a personal checking account? CHASE Bank employee stated he would call me back yesterday with some news, still waiting! Also the branch doesn't even answer phone calls it just keeps rings! When did CHASE Bank become the Banking Police and who is really stealing these funds?
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One closed my credit card account on XXXX XXXX XXXX and reported my account as on time in XXXX and XXXX XXXX XXXX, but are saying they closed my account XX/XX/XXXX and said I was XXXX  days late on payments as of XX/XX/XXXX. They are reporting information on a closed account without my permission. Its closed and Im still being charged interest. To resolve this issue, I have paid the remaining balance as of XX/XX/XXXX, but Im requesting all negative remarks be removed from all XXXX credit agencies immediately for incorrect information on my credit report causing my credit to decrease by XXXX points.
Consumer complaint received 2020-11-17
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: TD BANK US HOLDING COMPANY (HI)

On XXXX XXXX, 2019, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2019, XXXX XXXX XXXX  add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2019, TD AUTO FINANCE add a hard inquiry on my credit report per XXXX.
Consumer complaint received 2020-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: DISCOVER BANK (FL)

I needed to have access to some additional credit due to COVID-19, I applied for and was approved for a credit card with Discover. They called me afterward and told me they needed to " verify my identity '' so I complied with their request. Then, they mailed me the card. I was told I would be able to activate the card once it arrived. It arrived and they won't activate it. They are coming up with a bunch of nonsense and I am XXXX  in the meantime.
Consumer complaint received 2024-02-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CrossCountry Mortgage LLC (WA)

They are messing up our loan. Saying we didnt pay them. They sold our mortgage to another company. Now this company doesnt have any representatives. No real people to talk to I can do anything with these people. There is no help at all. Im completely disgusted with this company. Cross country mortgage has really messed up and then they dont have anyone to help. Only automated, its very frustrating!
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (IL)

I have tried several times to get my consumer credit report from Lexis NexisXXXX. XX/XX/XXXX) ( XX/XX/2021 ). They are claiming that they don't have a file on me yet I was able to place a Security Freeze with them. I sent them all the required documents they required yet they still say they're unable to locate any data.
Consumer complaint received 2020-12-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Cash Express, LLC (TN)

In early XXXX way prior to my due date, i wrote in writing an ach revocation on my bank account to cash express. On XX/XX/XXXX they pulled the money out anyway after I sent in the revocation. There is no way I can speak to someone other than the people that work at that location about it and was told that I have to come in and turn off the ach. I made it very clear in writing per the contract specifically said to do.
Consumer complaint received 2020-12-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I was working with a Bank of America mortgage lending specialist to purchase a home. I provided him with all my relevant financial information including my somewhat unique student loan debt situation. Bank of America had a unique grant program that provides up to {$17000.00} in closing cost assistance. 

I was pre qualified for a {$330000.00} mortgage to buy a post-foreclosure home owned by HUD. I informed my BoA mortgage lender, XXXX XXXX, that we were bidding on the property. And informed him when we were accepted and entering a contract to buy. After I placed my earnest money deposit down Mr. XXXX informed me that the underwriter was having issue approving my loan because of my debt to income ratio. I then called him to figure out ways to adjust the mortgage product to fit the underwriting requirements. Mr. XXXX told me he was having technical difficulties and would call me back. He then contacted me two hours later informing me it would not be possible to BoA to give me a home loan on my selected property. 

Under my contract with HUD, I need a wet signed denial letter from the lender in order to cancel the home buying contract. Neither Mr. XXXX nor his co-workers have provided me with this denial letter. We informed Mr. XXXX we needed a wet signed denial letter on approximately XX/XX/XXXX or XXXX, 2020. Today is XX/XX/2020 and I still don't have a wet signed denial letter. Therefore, I still have not been able to cancel my contract nor have my earnest money deposit returned to me. Neither Mr. XXXX nor his supervisor XXXX XXXX have been helpful during this frustrating process. 

Lastly, all of this has been frustrating and unacceptable. My financing for a home was denied based on information my mortgage lender had before I was pre qualified for a home. And that same mortgage lender has not provided me the necessary materials to cancel my contract and have my earnest money deposit returned to me.
Consumer complaint received 2024-02-29
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On XX/XX/year> XXXX told me that there was a ID Verification Lock on my Credit Report and on my wife 's Credit Report. XXXX told me to send in proof of our ID to : XXXX. We sent in the information on XX/XX/year> and were told that it would take about a week to ten days to remove the Lock. We have not heard back from XXXX so I called customer support and they told me to resend the information and it would be about a week to ten days to resolve the problem and XXXX hung-up on me. 

My main concern is that I have received several emails from XXXX telling me that IF I sign-up for their account for {$29.00} at month each, all of our Credit Reports and account information will be instantly available but if I just want our Free Credit Report, well they can not provide that until the ID Verification Lock is removed
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Paramount Capital Group, Inc. (MD)

I am complaining about Paramount Capital Group. They reported late payment on my credit report consistently even when I told them that I am in dispute with the school on the amount since I withdrew from school and their action single-handedly destroyed my credit report, lowered my credit score to the point that at the moment everything I am trying to do to get ahead in my life after a family event of my my wife getting sick and I had to even resign my job to primarily care for her is impossible. Before them my credit score was about 680 and they by their action reduced my credit score to about 520.