davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America enticed me to participate in their Trail Loan Modification Program and inflicted financial hardship on me and messed up my credit ratings. 
I have never been late or missed any payments with Bank Of America. Then I get letters from them informing me to participate in their Trail Loan Modification program to lower my monthly mortgage payments. So I enroll. My mortgage payment were reduced for five months from {$2000.00} to {$1700.00}. At the end of five months they informed me they were going to extend my current 30 year mortgage another 15 years in order for me to receive these lower monthly payments. 
I refused to participate in this program. Paying another 15 years of interest to B of A is not in my best financial interest. They immediately inform me I had to pay the difference of my lower monthly payments within 30 days or suffer the consequences. A difference of {$1000.00}. Placing extreme financial hardship on me and my family. But I paid this amount. 
Upon paying this amount and opting out the program I reviewed my credit. A review of my credit disclosed negative information reported to XXXX from B of A. Plus, XXXX and XXXX XXXX had me XXXX and 60 days late on payments. I have never been late with any payments. I contacted their credit department and they insisted the information reported was correct. 
I should not be punished for cooperating with my bank. Currently this negative information submitted to credit reporting bureaus prevents me from refinancing with another bank. An intentional ploy by B of A.
Consumer complaint received 2022-08-09
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: Experian Information Solutions Inc. (MS)

In accordance with the Fair Credit Reporting act DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, EXPERIAN, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I recently reviewed my credit report and noticed some unauthorized accounts on my credit report. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 1681B 2. I never instructed anyone to furnish or create this report
Consumer complaint received 2015-11-12
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: General Motors Financial Company, Inc. (TX)

I leased a vehicle XXXX XXXX and my salesman took my down payment telling me I would n't have my first payment until XXXX since I was buying at the end of the month. I had got nothing in the mail during that time until the beginning of XXXX which is when I made my first payment. ( XXXX/XXXX/2015 ) If you look at my payment history is consistent and never late ... so I thought. My sales guy even worked that into the negotiations of leasing the truck. I thought to myself well I can save that payment and double up on the next one. I monitor my credit closely and started seeing late payments on there so I called today to find out I have been late cause my first payment was XX/XX/XXXX. Being this was an oversight by their sales team and I 've been consistently paying I thought they 'd consider removing these but they were rude and did n't. Please help
Consumer complaint received 2023-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The credit Bureaus keeps disrespecting the laws. 

I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) - the credit bureaus have to modify or delete accounts that not reporting accurately.

According to USC 1681b ( 1 ) - the credit bureaus don't have no written permission. XXXX has not. According to 15 USC 1681- I have the right to privacy.

According to 15 USC 1681s-2 - A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

According to 15 USC 1666B - A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( B ) Reporting information after notice and confirmation or errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on. 

The Credit Bureaus have no respect for the laws. Someone needs to hold them accountable for this. I added two attach letters I have sent to Transunion and XXXX over 45 days ago. I have even added the USPS conformation receipt as proof I have mailed out these two letters. I will be filing a lawsuit with my attorney XXXX XXXX XXXX. I sue before and won my case.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion, XXXX, & XXXX continue to report incorrect information on my consumer report. Federal law states these companies are required to report 100 % accuracy. I am requesting the information used to validate this information. 

My name is XXXX XXXX there should be no other names or name variations listed, if there are this is considered identity theft as I do not identify as those names. 

My address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX there should be no other address listed on my consumer report. My address is correct and listed on the federal mailing registry per the guidelines for the United States postal. Remove any other address listed.
Consumer complaint received 2024-03-08
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Applied Data Finance, LLC (MI)

I had a loan with Personify and was going through financial difficulties. I was offered a settlement and followed instructions to reply to the email if I was interested. I was expecting a reply with the terms and it wasnt received. When I followed up, I was told it was charged off.
Consumer complaint received 2021-06-04
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (IL)

On XX/XX/2021, I applied for a VA IRRRL Refi ( Interest rate reduction refinance loan ) or VA streamline loan. Currently I have a VA loan at 3.25 %. I spoke to XXXX XXXX, Loan Originator from AmeriSave. He told me he could get me 2.25 %. He asked for my social security number and I asked why since the VA does not require a credit check. He said to make sure I hadnt filed for bankruptcy. I gave it to him and expected him to do a soft pull. Next I called my current lender, XXXX XXXX, to shop rates. XXXX XXXX asked me why AmeriSave ran my credit, as they did a soft pull and saw the hard pull from AmeriSave.

The next day two different processors from AmeriSave requesting documentation from me which is unnecessary for the IRRRL. I view the loan disclosure which show the loan type as VA full documentation. Not the VA IRRRL. XX/XX/2021, I sent XXXX XXXX an email asking why : 1. The loan was switched, 2. Why was there a hard inquiry on my credit report. And lastly I did not want to continue the loan and to stop processing. To date I havent gotten a response. 

Then a processor named XXXX XXXX contacted me requesting more documentation. I responded to her and said the same things I said to XXXX. She responded with an apology and said she would request XXXX to reach out to me. 

Another processor from AmeriSave named XXXX texted me saying he was waiting for documentation. I replied with same thing I said to XXXX and XXXX. Why was my loan switched and why was there a hard inquiry on my credit. 

AmeriSave sent me a survey on XX/XX/2021, asking how they are doing. For the 4th rime I restate why was my loan switched and why was there a hard inquiry. 

AmeriSave sent me an email on XX/XX/2021, which states they closed my file for incompleteness and enclosed a statement of credit denial. 

Not only did AmeriSave switch my loan from a VA IRRRL to a VA full documentation Refi, they made a credit inquiry and then denied me credit.

To date, no one from AmeriSave has reached out to me to rectify the situation.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.
Consumer complaint received 2016-02-23
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: JBS Finance, Inc. (GA)

Iam here to complain that i made arrangements with loam company JBS Iam currently 8 days behind and Talk to the office manager XXXX advised i would make payment om wednesday XXXX/XXXX/2016 and they came and repo my car on the XXXX/XXXX/2016 I was 8 days late they lied and took car anyway please can you help XXXX XXXX
Consumer complaint received 2016-05-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: SYNCHRONY FINANCIAL (CA)

Amazon and XXXX XXXX are reporting the same debt as a collection on my credit. I contacted both companies with an ID Theft Report proving to them that I was the victim of Identity. I have not received any financial gain from the account listed. 
The entities named above validated the debt as mine, yet they did not provide any documentation legally linking me ( XXXX XXXX XXXX ) to the accounts. 
The problem with their validation is : 1. The accounts are linked to an address that he has never resided at. 
2. according to the FCRA the number one way companies validate an account is through a signature neither of the entities above have done so.
Consumer complaint received 2018-03-16
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. (AZ)

I am a victim of identity theft. The following XXXX XXXX XXXX  XXXX credit card account : XXXX thats listed on my XXXX, XXXX and Trans Union credit report, is a fraudulent and unauthorized account. The account is not mine. I never applied for a credit card account with XXXX XXXX XXXX.
Consumer complaint received 2015-11-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NC)

I filed a dispute with Equifax regarding XXXX Account XXXX. This is an apartment complex : XXXX, XXXX , FL XXXX ( XXXX ) XXXX. I called the apartment complex to inquire why they have reported me to a credit bureau. They have no record of this debt. When I disputed it with Equifax , Equifax responded by saying XXXX XXXX XXXX confirmed it is legitimate. I have not received due diligence from Equifax in investigating this.
Consumer complaint received 2022-02-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (PA)

On XXXX XXXX my Chime checking account was fraudulently charged {$180.00}. The transaction was listed as having been placed by " XXXX XXXX XXXX ''. I researched the company who placed the transaction against my account and found it they are engaged in massive fraud. Having XXXX  them I found thousands of posts and articles about this company and other names they have been operating under when fraudulently withdrawing money from people 's accounts. 

I contacted Chime providing them all the details on the transaction. Stated I did not engage in any financial transactions with XXXX XXXX XXXX  and never authorized any transactions by XXXX XXXX XXXX. 3 weeks passed and I emailed Chime support for an update. I received a automated reply. I replied to the automated reply and within 2 hours received a notice that they had closed my dispute claim and determined the transaction not to be fraudulent.

I appealed and provided more details on the company and digital printout of various articles detailing the fraud XXXX XXXX XXXX  ( AKA XXXX XXXX XXXX XXXX ) was engaged in. Another 3 weeks passed with no response. I contacted Chime support AGAIN requesting an update to which they replied back in less than 5 minutes that my appeal had be closed and they found no fraud. I have requested their documentation and evidence supporting their finding. I have yet to receive a reply much less copies of the evidence they claim to have based their decision on. 

I have run out of options where Chime is concerned. After searching for help through XXXX I found that filing a claim with your offices is my best course of action.
Consumer complaint received 2016-09-19
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MI)

I have a old mortgage loan showing up on some title work on a property I am trying to sell. The loan was originally GMAC mortgage company which is a defunct mortgage company now. The property securing this mortgage was lost in a foreclosure and sold, the debt was discharged in a Chapter XXXX bankruptcy. In the research I have done Ocwen Loan Servicing has taking over for GMAC Mortgage company but I have tried contacting them via email and regular mail and have not received any return communication from them. This lien needs to be released so the sale can go through. My only recourse as of now is to file a " quite title '' law suit which could take a couple of months and cost thousands of dollars in attorney fees. There has to be a way I can get a executed lien release on this case.
Consumer complaint received 2017-03-05
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CURO Intermediate Holdings (CA)

I have encountered many incidents of financial identity theft dating back since XX/XX/2015. I was made aware of this payday advance loan when I received a letter dated XX/XX/2015 stating an unpaid collection had been reported. I did not apply for this loan.
Consumer complaint received 2017-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I just received an update on my XXXX credit report. The update is now showing that " XXXX XXXX XXXX XXXX XXXX '' is reporting I did a bankruptcy and the amount was charged off to a debt I could not pay.This is completely wrong. I NEVER claimed bankruptcy and I am very upset that this wrong information is reporting on my credit report. XXXX XXXX XXXX XXXX had agreed to delete this account off my report not to report a bankruptcy that I NEVER did.
Consumer complaint received 2024-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion XXXX XXXX are reporting incorrect information on my consumer file the account can not be verified as accurate because the information provided does not match. How was this account verified as accurate and what documents or person verified this information so I may follow up in the investigation myself. 

Last Verified : XX/XX/XXXX XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX XX/XX/XXXX Creditor Type : Finance other than personal XXXX XXXX Payment Status : Payment after charge off / collection Paid, was a charge-off Payment Amount : {$0.00} Account Type : Open account Deposit ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2015-08-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (GA)

After 10 years, Ocwen Servicing Loan has increased my loan {$300.00} on an arm loan. The interest rate on the loan remains the same. This is an investment property in which I paid my loan on time for 10 years. This company is now making my loan not affordable. I do n't know if this is legal
Consumer complaint received 2024-03-08
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)

XX/XX/2024 : Received the {$320.00} Amex Gift Card XX/XX/2024 : Activated the Gift Card by calling the number on the back of the card. I attempted to use the card to reload my XXXX XXXX and was declined. I then attempted to add the card to my XXXX account but it was also declined. 
XX/XX/2024 : I checked the amexgiftcard.com website to see if I could get help with my card and saw the FAQ and I made sure that the card number, expiration, and XXXX digit security code matched the gift card and that I ran the card as credit with my name and address in the billing section as requested. The card was declined again at XXXX, then at XXXX, and at XXXX XXXX  for various amounts under {$50.00} that were much lower than the face value of the card. I attempted to call the number at the back of my card, XXXX, but was unable to talk to a human and instead heard the same information of usage as the website. 
XX/XX/2024 : Searched through the internet to see how others were able to use the Amex Gift Card and saw many people were having the same issues using their Amex Gift Cards even though the AmexGiftCard.com website states : You can use your American Express Gift Card virtually anywhere American Express Cards are accepted within the United States and District of Columbia, except the Gift Card may not be used for recurring billing or at ATMs.
Consumer complaint received 2022-02-13
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. (NJ)

I CONTACTED XXXX XXXX XXXX NUMEROUS TIMES VIA MAIL, EMAIL AND BY PHONE ; I ALSO CONTACTED HER VIA SOCIAL MEDIA. XX/XX/2021 XXXX  MADE A MISTAKE AND APPLIED TWO PAYMENTS ON ONE ACCOUNT MAKING THE OTHER ACCOUNT DELINQUENT BY A FEW WEEKS. XXXX IMMEDIATELY CHARGED OFF THE ACCOUNT AND REPORTED TO THE CREDIT BUREAUS. XXXX  REALIZED THE MISTAKE AND CORRECTED THE PAYMENT PORTION BUT THEY HAVE REFUSED TO CORRECT THE CREDIT REPORTS.
Consumer complaint received 2017-02-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (AZ)

Experian 's upload/dipute system is non-functioning so I ca n't dispute these items on my credit report. 
XXXX, ACCT NO.XXXX has XXXX collection accounts reporting for years reporting a duplicate collection for a single service with slightly different amounts and a single digit difference in the account number XXXX and XXXX dollars.the original creditor is XXXX.Please delete XXXX accounts.