davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-22
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. (IA)

XX/XX/2022 I thought I was speaking to a dealership when I called the company XXXX. 
I liked a particul

ar car for my son. They called me the next day and without disclosing that there was a chance that I wouldn't qualify for the loan OR disclosing how many time they would pull my credit they asked if I would like to apply for financing. I am weary about applying with dealerships. I explained to her on a recorded line that I am looking for a second vehicle for my son. She then put me on hold. I sat for over 30 minutes on hold when at that time she did not get back on the phone with me to let me know what was going on. SHE HUNG UP ON ME! My credit monitoring systems are blowing up! They let my credit be ran over 20 different times! I went through a horrible divorced and we were forced to file for bankruptcy so I have worked extremely hard to get my score over 700 in the past 2 1/2 years. Now, thanks to the amount of inquiries in one day, it is just over 600. I would really like to see these inquiries disappear from my credit reports considering once I contacted a different online company that I was preapproved with one of the same lenders and was told that I only qualify if I turn m
y car in. WHAT? 
XXXX knew I was shopping for a second car! They took advantage of me! 
I feel so violated.
Consumer complaint received 2021-04-09
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: FCI Lender Services Inc. (CA)

On XX/XX/2020 I was working and when I returned home my home had not only been burglarized but also set on fire. I am a victim of Arson and Theft. Currently XXXX XXXX is working with me and are completing their investigation. All I am asking is for time so that I can get the money from XXXX to pay for the repairs and bring my mortgage loan current. I have asked for help from my lender. I have asked for alternative to avoid foreclosure as a homeowner in California. However my lender has refused to provide any type of alternative to foreclose. The only thing my lender, XXXX XXXX, XXXX keeps doing is informing me through their servicer that they are foreclosing on my property. I have provided the servicer, FCI, and the lender, XXXX XXXX  XXXX all of my supporting documents and neither once has bothered to explore options to help me avoid foreclosure. They are moving forward with the foreclosure. Furthermore with the Covid 19 pandemic my cash flow has been up and down. Now that the state of California is re-opening I am hoping to start making money. All that I am asking XXXXXXXX XXXX XXXX and FCI is to assist me with avoiding foreclosure.
Consumer complaint received 2018-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX I was routinely checking my credit score on XXXX. Much to my surprise my over 800 credit score had dropped by 45 points in a matter of 9 days due to a derogatory account on my credit report. Immediately I contacted XXXX  and Equifax to have the account removed. I have also contacted the company, XXXX, via phone without appropriate resolution. Now I have decided to send certified mail and requested receipt to the company demanding immediate action. Letter is as follows " I am contacting you in writing to address a collection placed on credit report in the last two weeks. I have not received a bill regarding this collection. Previously I had received bills for a visit for my daughter going to the ER and payments have been made. Please provide proof of the account and historical payment history to document account is 1. Delinquent 2. Length of Delinquency 3. Total balance owed. I would like to swiftly resolve this matter and requesting XXXX to remove the debt, derogatory condition, from my credit report immediately as it has negatively impacted my over 800 credit score. '' From my credit report the account was opened on XX/XX/XXXX and reported to credit agencies on XX/XX/XXXX. What are consumer rights to address collections? What about accounts making more than the minimum payment required?
Consumer complaint received 2018-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX I was routinely checking my credit score on XXXX. Much to my surprise my over 800 credit score had dropped by 45 points in a matter of 9 days due to a derogatory account on my credit report. Immediately I contacted TransUnion and XXXX to have the account removed. I have also contacted the company, XXXX, via phone without appropriate resolution. Now I have decided to send certified mail and requested receipt to the company demanding immediate action. Letter is as follows " I am contacting you in writing to address a collection placed on credit report in the last two weeks. I have not received a bill regarding this collection. Previously I had received bills for a visit for my daughter going to the ER and payments have been made. Please provide proof of the account and historical payment history to document account is 1. Delinquent 2. Length of Delinquency 3. Total balance owed. I would like to swiftly resolve this matter and requesting XXXX to remove the debt, derogatory condition, from my credit report immediately as it has negatively impacted my over 800 credit score. '' From my credit report the account was opened on XX/XX/XXXX and reported to credit agencies on XX/XX/XXXX. What are consumer rights to address collections? What about accounts making more than the minimum payment required?
Consumer complaint received 2022-04-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (UT)

Great Lakes response to my inquiry is unacceptable. I did not receive any at

tachment when they submitted a response. I did not know that the US dept of Education had made a decision on my borrower defense application. Great Lakes did not also notify me that the US dept of Education has denied my application. I was part of the Sweet vs. Devos lawsuit and I am expecting a detailed explanation of any d
ecision made.
Consumer complaint received 2022-04-26
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. (FL)

Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2021-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Capio Partners, LLC (VA)

Tuesday XXXX XXXX I was able to receive a credit report because I kept falling my identity test. While reviewing my credit report I noticed that I had two social security numbers that was attached to accounts on my credit report. I also had an account with wrong information. So, the account with wrong information was " ASSETCARE LLC ''. This account was from XXXX XXXX XXXX XX/XX/XXXX. I gave them a call because I have XXXX and I didn't understand why my insurance wasn't billed. After speaking with them I found out the information that was on that account was not the same as my information so I'm requesting a dispute. Next was XXXX XXXX XXXX XXXX XXXX this account was for " XXXX XXXX XXXX ''. This account made me very upset because I have never had my own place and there billing information isnt consistent with mines. Also, I live in Virginia, and I can provide receipts for the last 8 years. Then the last one was XXXX XXXX XXXX XXXX XXXX. This account is from Ohio as well, but the account was attached to a another social on my report and it was around the time I was XXXX XXXX  to my daughter at XXXX. I believe someone may have had access to my information because I did lose my I.D . While riding home from work on the bus, I was so tired I left my purse and didn't realize it until I got home. 
.
Consumer complaint received 2021-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Dear Sir/Mam, I did initiated 3 BillPay transactions from Bank of America BillPay on XX/XX/XXXX & XXXX for the amount of {$2300.00}, {$4500.00} & {$4900.00} and scheduled to pay my loan account of 11.45 % interest rate with XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX respectively. 
First of all, the check amount of {$2300.00} and {$4500.00} on XXXX XXXX and {$4900.00} was on XX/XX/XXXX was deducted from my Bank of America Checking account. After complaining that the funds were not paid to the recipient loan account @ XXXX XXXX XXXX XXXX, I received an update from Bank of America that 2 checks {$2300.00} and {$4500.00} were encashed by XXXX and {$4900.00} was not, whereas XXXX confirmed that the bank did not encash the funds, so Bank of America understood the checks were encashed by an unknown ... which is fraud. After knowing that {$4900.00} was not encashed I did requested to cancel the {$4900.00} check and refund the money back to my account. The {$4900.00} was deposited back to my account on XX/XX/XXXX - after 7 days from the date of complaint. 
Now going back to 2 checks that were encashed, Bank of America took almost 45 days to fax the check copies and collect an affidavit confirmation from XXXX and without my follow up every 3 days and coordination between the 2 Banks it would have not been possible at all. 
Now after receiving the affidavit on XXXX, XXXX, that the payment has not been encashed by XXXX, the money deducted from my account {$2300.00} and {$4500.00} should have been refunded back to me as I understand all the accounts are FDIC insured with Bank of America. 
As a single family income member, lose {$6800.00} for about 2.5 months is a very bad economical crisis and on the other had the funds were supposed to be paid to a loan account of interest rate 11.45 %. 
The process of Bank of America with respect to sending or receiving fax and send/receive mails is very unprofessional and it needs to be fixed. 
On top of all that, how can Bank of America authorize a fund clearance when the check is encashed by a wrong recipient when it's a BillPay check generated by Bank of America Back Office and marked to a specific account number with XXXX. 
Secondly, when the transaction has been identified as fraud why is the fund not returned back to my account & why the FDIC claim not initiated by Bank of America, why does the consumer have to wait on refund which directly impacts the consumer and his economical conditions ... Why is Bank of America not able to put consumer priority first to refund the money to the consumer while the account is FDIC insured and then continue with the investigation whereas the consumer is not directly involved in such a fraudulent transaction?
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC. (DE)

ON XX/XX/2023 - XX/XX/2023 CREDIT INQUIRIES WERE PLACED ON MY CREDIT REPORT FROM XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I HAVE NOT APPLIED FOR ANYTHING WITH THEM. I LOST MY WALLET AROUND THAT TIME HOWEVER I ORDERED A NEW SOCIAL SECURITY CARD AND ID. I AM CERTAIN SOMEONE TRIED TO RUN MY CREDIT AND/OR USE MY NAME. I DO NOT HAVE AN ACCOUNT WITH ANY OF THESE FINANCIAL INSTITUTIONS. WHEN CHECKING XXXX I DID HAVE A FRAUD ALERT NOTIFICATION AND FROZE MY CREDIT. THERE WERE MULTIPLE CREDIT INQUIRES DONE WITHIN A 7 DAY TIME SPAN.
Consumer complaint received 2022-02-02
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. (NY)

I'm XXXX XXXX, and I'm writing to request that these items be removed from my report. I am a victim of identity theft, and these charges were not included in in my credit report. The theft of my identity has been reported to the Federal Trade Commission.
Consumer complaint received 2022-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Retail Merchants Associates (FL)

On XX/XX/XXXX I visited XXXX XXXX  ( XXXX XXXX XXXX XXXX # XXXX, XXXX, Florida / Phone : XXXX ) where I received services and paid the amount of {$58.00} ( see attached receipt ). On XX/XX/XXXX the mentioned merchant charges XXXX without my consent and authorization, I called them and they said they " realized '' they forgot to charge the correct price at the moment. This is a total fraud!
Consumer complaint received 2020-11-04
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Someone went into the account via ATM machine and pulled out money on XX/XX/20 ( {$1000.00} XXXX in XXXX, CA & on XX/XX/20 ( {$180.00} XXXX in XXXX XXXX. We called Bank of America to report it and they sent a letter stating that the account or the claim was fraud and if I wanted to request to reopen the claim to call. On XX/XX/20 I called the Bank to reopen the claim and have not received a call nor mail re : reopening the claim. So I have been calling since XX/XX/20 regarding the status of the claim to no avail. I can not reach anyone at the claim 's office of Bank of America. The waiting time is over 2 hours and 3 hours and only then get a recording that they can not take my call at this time and/or the recording automatically hangs up. I can not reach anyone at the claims office. For many weeks, I have made many more attempts to connect but are unable to get a hold of a representative.
Consumer complaint received 2021-01-29
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Americas Car-Mart, Inc. (GA)

XX/XX/2020 car was surrendered back to the used car lot bc I didn't have the {$1200.00}. They said it was only going to be XXXX but when I tried to pay that, it wouldn't accept anything but the XXXX. Spoke with XXXX the manager and told her that if I don't have the money the car would come back. The was returned on XX/XX/2020, along with note stating not to be contacted by their company. The have continued to contact me non-stop in a harassing manner 3-4 times a day and showing up at my workplace.
Consumer complaint received 2021-11-10
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. (GA)

XXXX XXXX XXXX has not received written permission to report information regarding transactions or experiences against my consumer report. 

Reporting late payments and alleged loan amounts constitute transactions and experiences. I did not give my written consent. 

I am disputing the reporting of these late payments and utilization by the credit reporting agencies per 15 USC 1681 ( a ) A consumer report does not contain any transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2021-01-29
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. (TN)

XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX I have already disputed these inquiries several times. I called all 3 credit agencies and have not received a resolution that these inquires are mine.
Consumer complaint received 2020-06-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

Dear XXXX officers, I have a property originally financed by HSBC bank in XX/XX/XXXX and this loan was also modified in XX/XX/XXXX by the same bank. Recently, I refinanced my loan with XXXX XXXX  XXXX in XX/XX/XXXX. There were two wrong charges posted to my account by HSBC. One for {$4000.00} and one for {$3700.00}. I was able to catch the first unjustified charge since it was stated in my monthly mortgage statement prior to my refinance in XX/XX/XXXX. However, the second charge of {$3700.00} was not revealed to me till exactly few days prior to my refinance closing date with XXXX XXXXXXXX XXXX in XX/XX/XXXX, under Recoverable Balance ( attachedXXXX   XXXX XXXX XXXX XXXX Borrower Estimated Settlement Statement ). I must have closed the refinance, otherwise, I would lose the favorable refinance rate as well as advanced paid appraisal. HSBC stated that both charges are incurred due to my loan modification in XX/XX/XXXX! 

I explained and disclosed HSBC loan modification agreement as it clearly stated all unpaid amounts up to loan modification had been summed and included in my final modified loan amount ( attached- Loan Modification Agreement, No.1 highlighted in yellow. Based on my explanation evidenced by the modification agreement, HSBC removed its first duplicate charge of {$4000.00} ( attached- HSBC letter XX/XX/XXXX ). 

However, as soon as my loan was refinanced in XX/XX/XXXX, HSBC is not responding nor refunding its second unjustified charge of {$3700.00}. Since XX/XX/XXXX, I have actively pursued to resolve this issue amicably and directly with HSBC.  However, it is inferred that not being their customer longer, I am not able to defend my rights further. 

Therefore, I kindly seek your assistance to investigate this unwarranted charge committed by HSBC as soon as practically possible for you. 

Thank you very much in advance and please let me know if any additional documents needed.
Consumer complaint received 2021-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX, {$500.00} was withdrawn fraudulently from my account using XXXX to transfer to another bank. I called the bank within 15 or 20 minutes after that occurred and reported this issue. They shouldve done something immediately but told me they had to file a report and a complaint. They said this could take up to 45 days to resolve. I found that extremely unusual since it was stolen by a thief. I called several times between XX/XX/XXXX and yesterday and just got the same runaround from everyone that I spoke with. They stated that they were working on it and it could take up to 45 days. My last phone call was yesterday XX/XX/XXXX. I spoke to XXXX. He told me they needed more days because They could not get it resolved yet. I asked them why it was taking so long. He said they had to get permission from the receiving bank and the person who stole my money To give it back. I thought that was very odd since the person fraudulently withdrew it from my account. Ive been with Bank of America for 37+ years. Im very disappointed with how they handle customer satisfaction.
Consumer complaint received 2023-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Dear honorable respected Management, For my bank of America checking accounts- I am not able to withdraw money and my auto pay stop working and got returns of many payments. 

I talked to hundreds of people on customer service phone number and also visited bank of America branches in person but no one helped me so far. 

Lots of my bill payments are past due and this is damaging my credits. I dont want to reduce my credit scores and dont want any negative records. 

Please contact bank of America urgently today and ask them to remove all restrictions. 

Please call me urgently. 

Thanks a million! 
My name : XXXX XXXX My home address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX My Cell Phone no : XXXX