davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
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. (TX)

The following Inquiries on my report are not authorized by me, In Accordance with the FCRA section 611 this companies violated my consumer right, I have attached a copy of FCT report. Please kindly remove inquiries. 

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-09-04
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: PENTAGON FEDERAL CREDIT UNION (GA)

Hello, I have been disputing this for years now. I'm requesting something with my signature on it. Every time I ask for something, they send me an old credit card statement. I would like to put this on record that this should not be on my credit report and it is causing lots of damaging. I was advised to make this clear for when I seek help. THEY are not showing me how to are proving this account is mine.
Consumer complaint received 2017-02-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: ONLINE Information Services, Inc. (AZ)

While monitoring my credit, this collection account showed up on my credit report. Immediately wrote them a letter requesting validation, bearing my signature, on XX/XX/XXXX and sent it out, certified, return receipt mail, which they signed for on XX/XX/XXXX. 30 days from the date they signed for this letter would be XX/XX/XXXX. There should have been a statement of dispute added to my credit report by the close of business on this day to comply with credit reporting laws. They wrote me a letter back on XX/XX/XXXX and indicated that their client confirmed the name, address and amount owed and sent a print up of a bill. This is not validation of anything. This is not the information I requested. I requested validation, bearing my signature, as the only person who can validate my signature is me. I wrote them a letter again on XX/XX/XXXX again telling them this is not validation and making a second request for the information I am legally permitted to request and receive. They responded on XX/XX/XXXX and basically said, we already sent this once, and we will do it again this time, but we do n't have to keep doing this, in so many words. They still did not send me validation. I then wrote them a final notice letter on XX/XX/XXXX, stating I felt they are acting in bad faith and that they have failed to comply with the laws and unless they took appropriate action, I would be forced to elevate that situation. They have completely ignored me since. I have attached copies of all documentation listed in this complaint as well as a copy of my credit report to show that as XX/XX/XXXX, my credit report still does not show the disputed statement.
Consumer complaint received 2023-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I hope you are having a great day, I am writing today in regards to my account with Capital One account # XXXX I am hoping you can help me. I noticed a late pay in XX/XX/2022 I want you to know that I understand my financial obligations, and if it werent for me getting sick, Id have an excellent repayment record. I made a mistake in falling behind, but since then, Ive made my finances a priority and have organized all of my accounts and payment due dates, both on my computer and on paper, along with notifications and reminders for each one.
Consumer complaint received 2022-03-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

An account was illegally opened in my name in a case of identity thief. Bank of America then not only closed the illegally opened account, but all my accounts that were in 100 % good standing. They then demanded immediate payment of all debt which forced me into financial hardship.
Consumer complaint received 2016-12-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed .Being that they have gone past 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible .Thank You
Consumer complaint received 2016-09-27
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Professional Finance Company, Inc. (CO)

I live on social security disibility cant afford to pay this the state of colorado medicaid pays my medical and the creditors knew of this so i dont believe that these should be on my credit to destroy it more i am trying to rebuild it and the collection agencies want to destroy it now bill the state of colorado on this if they dont pay then give me a settlement offer of XXXX and i will pay this amount if medicaid dont then the bad marks will dissapear from my report or show paid thanks XXXX.
Consumer complaint received 2015-11-24
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP (NC)

I purchase a XXXX XXXX XXXX on XXXX/XXXX/XXXX in at the time they charged me a high interest rate of 9.64 %. I was a college student and I paid faithfully until I was injury on my job as a teacher assistant, then they came and taken the car from me in the year of XXXX, after I informed American Honda Finance Corporation my status, that I was on workman comp and I paid faithfully and they the American Honda Finance Corporation just up and taken my vehicle, which caused me hardship. The company did not even try to work with me, and I was paying what I could, the American Honda Finance Corporation repossessed my vehicle. I feel like they did me wrong, after I had purchased XXXX XXXX most of my life.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I reviewed my credit report and noticed that a existing problem is till not fix for the past 2 years I never miss a paid payment when account was close everything was paid as agreed and inaccuracies, the consumer reporting agencies have assured a vital role and have a responsibility to report consumers information to the best of their ability with maximum customer accuracys.i have never been late and all payments were made in full as agreed I have included screenshots of all 3 different reporting inaccuracies, no data, collection and charges off, XXXX XXXX please investigate and provide proof with statement showing that these payment were late or not pay in full, if proof cant be provided I demand these be updated dated as agreed payment in full on time as it should have been not showing up on my credit report. I spoke to the report agency and XXXX they said it was a mistake that they were going delete from my credit but never did this have been on going problem, also my FTC report number is XXXX
Consumer complaint received 2019-02-22
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NC)

Onemain financial took an additional payment of, {$430.00}, out of my checking account without my authorization on XX/XX/XXXX. When I contacted them concerning the matter, they stated they were unaware of this transaction. I took them a hard copy of my bank statement in person to prove this to them. The company had taken the normal scheduled payment out the week before on XX/XX/XXXX. After the second transaction took place, there was no money in my checking account. I was left with {$0.00}. I contacted them via phone immediately and went to their office on XX/XX/XXXX about this concern. I was leaving to go out of town on the evening of XX/XX/XXXX for work. I expressed my concern about this matter and how much of a hardship this was putting me in. I had to go out of town to work without any money for gas or food. I was out of town on the evening of XX/XX/XXXX thru XX/XX/XXXX. They informed me there was nothing they could do. They were unwilling to help me with money to get me through the weekend. I ask them about writing me a check for the money and they refused to do so. They stated they could not make this transaction for me. With that being said, I had no money for food or gas the entire time I was out of town working. It is now XX/XX/XXXX and I still have not received the money back in my account. I am in a hardship now due to other bills being due that I can't pay because One Main Financial has not refunded me the money they took without my authorization. It has now been seven days and I still have not received the money back into my account. Today is Friday, XX/XX/XXXX at XXXX, and I am going into another weekend without any money. I am very upset about this matter. This is money that I have had to get out and work for. This is not a credit card matter, that I consider free money from a bank or credit card company. I called them today, XX/XX/XXXX, about my concern about the money not being refunded back to my account. They could not explain to me as to why this money has not been credited back to my account. To this day, I still do not have any money in my account to make it through another weekend.
Consumer complaint received 2016-12-23
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Our firm, XXXX has been monitoring our client 's request for mortgage assistance to Bank of America to ensure its compliance with Regulation X. For the past few months, our client has been trying to get her application reviewed by Bank of America however, Bank of America has failed to act diligently and now our client faces a serious concern of losing her home. The borrower submitted a Loss Mitigation Application to Bank of America on XX/XX/2016 via facsimile transmission. We emailed an exact copy to Bank of America 's counsel at XXXX ( " XXXX '' ) on XXXX after discovering XXXX specifically requested the borrower direct any and all loss mitigation communication to their office only and not to send anything directly to the bank. An attorney at XXXX confirmed with our firm the borrower 's Application was submitted to Bank of America for review. Subsequently, XXXX requested additional documents from the borrower needed to complete the review of her Application. All of the requested documents listed in XXXX letter were submitted to XXXX by the stated deadline via e-mail and certified mail on XX/XX/2016. Pursuant to a letter from XXXX dated XX/XX/2016, there was no foreclosure sale scheduled as of the letter date according to Bank of America. 

After receiving a separate letter from Bank of America regarding the documents needed for the modification review, we sent an email to XXXX to confirm the list of items we received from their office on XX/XX/XXXX was up to date and an accurate list of all that was needed for the review. XXXX confirmed via email that the list they sent us was correct and advised that the documents we submitted to them on XX/XX/XXXX were being reviewed by Bank of America and they would advise if anything further was needed. Nothing further was ever requested by XXXX or Bank of America after we submitted the additional documents on XX/XX/XXXX. The borrower never received any notification or information pertaining to the results of her loss mitigation review. Despite the foregoing, our client was notified there is now a foreclosure sale date scheduled for her home. We believe this is clear violation of the prohibition against dual tracking pursuant to 12 C.F.R. 1024.41 ( g ). 

Additionally, we received a letter from Bank of America a few days ago alleging it never received a complete application from the borrower. We believe this to be an inaccurate statement and error given the aforementioned chain of events and communication between our office and the attorneys at XXXX. At no point after the borrower submitted the requested documents to XXXX as instructed on XX/XX/XXXX did Bank of America or XXXX request additional items or inform the borrower that her application remained incomplete. Pursuant to 12 C.F.R. 1024.41, Bank of America is required to diligently review applications and promptly request additional documents when necessary.
Consumer complaint received 2016-12-15
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Bonneville Billing and Collections (UT)

I have a charged off debt that has been sent to Bonneville Collections. Due to some discrepancies between what the agent said, and what I saw on my credit report, I requested a call back to be scheduled for next week so I would have time to investigate the debt with the original creditor. The agent from Bonneville Collections warned that they would not schedule a call back, but rather that I would need to call back in myself because the account was going to be sent to their legal department today or tomorrow due to the length that they have had the account, and so calling back in a week would be too late to do anything. This threat of legal action infringes on my rights. Additionally, the agent would not give detailed information regarding the debt beyond the name of the original creditor and the total balance. 

In summary : My net impression of the conversation with Bonneville Collections was that I had an outstanding debt which was sold to them. They wanted a payment plan to be set at the time of the call. or else it was going to be sent to their legal department either the day of the call, or the day after, with no time alloted to investigate the debt discrepancies. They are threatening legal action on a debt I disagree with due to details on my credit report and would not provide information on their end to help me to verify the debt. I refuse to blindly pay a debt after discussing vague details on XXXX phone call, and certainly do not wish to have legal action threatened to manipulate me into doing so.
Consumer complaint received 2022-02-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

UPDATE TO ALL BOA COMPLAINTS : FAILURE TO PROVE LETTER OF DENIAL YESTERDAY XX/XX/22 XXXX XXXX MEET WITH BANK OF AMERICA ( HEREIN AFTER " BOA '' ) @ THE XXXX XXXX XXXX XXXX MORTGAGE EXPERT XXXX. 
AFTER GETTING A CASHIER CHECK FOR HIS HOA DUES, ASKING WHY HIS ORDERED CHECKS STILL DO NOT ARRIVE A BOA LOCATION HAS GIVEN HIM NO CHARGE CC ' FOR THIS MONTHLY PAYMENT! 
XXXX XXXX TOOK ALL FINANCIAL INFO, STATED THAT THE MARKET VALUE OF XXXX XXXX CONDO NOW @ {$190000.00} BUT BECAUSE XXXX XXXX DEBT RATIO AFTER MONTHLY DUES, XXXX DUES, INS.UTLITIES @ ROUGHLY {$1100.00} WOULD DISQUALIFY HIM TO APPLY FOR A MORTGAGE WITH BOA. THAT XXXX XXXX WOULD NOT ACCEPT. 
THIS IN SPITE OF XXXX XXXX MORTGAGE WITH SAME FIGURES BUT A SALE PRICE OF {$100000.00} ON XXXX WERE APPROVED THRU XXXX MORTGAGE /ASSUMINGLY XXXX XXXX & ON TOP OF THAT XXXX XXXX HAS NO LATE PAYMENTS OF ANY NATURE. WITH MINOR GLICTHES ON XXXX RECENT CREDIT REPORT THAT WERE ATTEMPTED WITH COURT FILINGS THAT THE COURT FAILED BECAUSE OF COVID TO PROPERLY SCHEDULE & HEAR THE RATIONAL FAILS TO COMPARE TO THE PREVIOUS APPROVAL BY AFOREMENTIONED. 

XXXX XXXX FAILED TO PROVIDE A LETTER OF DENIAL TO BE ISSUED & CONFIRM ONE WOULD NOT BE PROVIDED. 
THIS IS WHILE BOA HAS REPORTED A CLAIM EXCESS OF CREDIT USED BY XXXX XXXX CREDIT CARD WITH THE REMIANING BALANCE CONSISTING OF DISPUTES & INTEREST.THAT THE ATTACHED NOTICE TO LITIGATE HAS BEEN SENT!
Consumer complaint received 2018-03-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have been submitting disputes to XXXX  since XXXX for items not belonging to me. on XX/XX/XXXX i was able to remove a collection from PORTFOLIO RECOVERY ASSOCIATES with the original creditor XXXX   XXXX. On XX/XX/XXXX the same collection was placed on my credit report from them.
Consumer complaint received 2015-05-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have an account from XXXX Account number ending in XXXX in which they had issued me a XXXX ( see attached file ) and cancelled the debt. I am requesting to have the account removed from my Credit History and all Credit Reports or identified a s resolved and closed account so as not to adversely affect my Credit Score. 
I can be reach via e-mail at XXXXXXXXXXXX or called at XXXXBest regardsXXXX XXXX XXXX
Consumer complaint received 2018-03-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (TN)

On or about XX/XX/XXXX, XXXX XXXX called me and " apologized for the bank charging overdraft fees and said don't worry about it, take care of your family, we will clear up the account, and he was sorry, he did not know XXXX XXXX had XXXX, she was a good customer and he knew her for a long time. '' On the other hand, the bank was well aware of the change, because I received a letter in the mail from the U.S. bank that XXXX XXXX 's 2 monthly direct deposits ( checks ) were refunded back to the senders ( companies ). No one authorized the bank to pay anything for XXXX XXXX. Aforementioned, mother XXXX on XX/XX/XXXX. They were very well aware., why would the bank continue to debit her account knowing this fact? Is it to make money off of the elderly? 

Anyway XXXX XXXX promised to clear the account with a XXXX balance, not with low funds, as if it was her practice. No one authorize the bank to pay anything, XXXX XXXX 's monthly w
Consumer complaint received 2021-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (CA)

My name is XXXX XXXX XXXX and I recently conducted a review of my credit report, and I discovered that your agency shows some unauthorized accounts that I find to be detrimental to my credit. 1. XXXX XXXX XXXX, Original creditor : XXXX XXXX, {$94.00} 2. XXXX XXXX XXXX, Original creditor : XXXX XXXX XXXX, {$3500.00} 3. ENHANCED RECOVERY CO L, Original creditor : XXXX XXXX, {$110.00} 4. ENHANCED RECOVERY CO L, Original creditor : XXXX, {$240.00} XXXX. XXXX XXXX XXXX, Original creditor : XXXX XXXX XXXX, {$66000.00} 6. XXXX XXXX XXXX, Original creditor : XXXX XXXX MD, {$480.00} To repeat, these transactions occurred without my permission. I would like to request the suppression of the above items from my credit report, which are the result of me being a victim of identity theft. This information does not relate to transactions that I have made/accounts that I have opened. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act, 15 U.S. Code 1681, 15 U.S. Code 1692g and 15 U.S. Code 1601. As previously stated, I did not originate these debts. Reporting is voluntary not mandatory. Not ONE law says anything has to be reported. In any situation, it is hampering my reputation and I am unable to obtain new credit. In addition, I have been getting denied for employment, having difficulty purchasing a car, and trouble getting approved for a place to live.
Consumer complaint received 2016-05-02
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: First Data Corporation (OR)

My social security number was stolen back in XXXX and the federal government sent me a letter stating this in XXXX. Then this year I started to received phone calls from TRS recovery services stating that I owned on a payday loan, and I told TRS that my ssn was compromised back in XXXX and the agent did not care and stated that I had to pay the debt or else it will post to my credit as bad debt. I was then transferred to a supervisor and I explained the situation and that they had to file a fraud form and the supervisor stated that was not their job to do that. I stated that under federal regulation ( I used to work for XXXX consultants, a collection agency ) that they had to filed the form for fraud, and the supervisor stated that was not her job so I told the supervisor that I was going to file a complaint with the state and the better business bureau. The supervisor stated that they will still call until the debt has been collected.
Consumer complaint received 2015-04-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX, has Fail to validate at my request on XXXX/XXXX/2015. The amount XXXX XXXX is reporting is incorrect {$1000.00} is totally ridicules, I have never owed that amount.. 
i sent this complain to XXXX and XXXX XXXX.
Consumer complaint received 2015-04-17
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (NJ)

I am a victim of ongoing identity theft on or about XX/XX/XXXX someone opened a Sam 's Club XXXX Credit using my personal information as the personal credit guarantor. I recently discovered this when I checked my personal credit report and discovered that a Sams Club XXXX account was opened and charged off. 
The name of the creditor is Synchrony Bank. I written Synchrony Bank about this issue XX/XX/XXXX I have n't received any written response from the bank.