davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-08
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: Experian Information Solutions Inc. (CA)

Hello I sent a dispute for my closed XXXX XXXX XXXX account to all XXXX credit bureaus on XX/XX/XXXX and didnt get my dispute results until XX/XX/XXXX from Experian and XX/XX/XXXX from XXXX and XX/XX/XXXX from XXXX which is over the 30 days. All XXXX bureaus after reported it as a charge off on my account in XXXX wrongfully when the account was closed in XXXX and now it is affecting me even worse to the point where its harming my credit file and I cant obtain anything as I am trying to buy my first home.
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One credit card number XXXX on XXXX and XXXX I made two separate on line payments of {$3000.00} payment from my business ' bank account XXXX XXXX XXXX XXXX XXXX Capital one chose to credit only one payment several attempt ware made claiming credit for the payment made each time Capital One indicated that they will revie and credit will be posted in next billing cycle, but that never happen. Meanwhile I continue making payment for interest since that date. 
I hope as resolution to give me the credit for the XXXX that they have in there bank account and did posted plus the interest that I pay Evidence presented : 1 ) copy of bank account 2 ) copy of bank confirmation that the payment was made to Capital One in two different dates 3 ) letter from bank officer
Consumer complaint received 2023-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On Monday, XX/XX/XXXX, I received a notification from XXXX that my credit score had changed. I went to check it out and discovered a hard inquiry from Bank of America. They had approved a {$5000.00} credit limit credit card for someone that isnt me. That someone used my information to get this credit card. When I called Bank of America about it, I had requested the application information. The representative I spoke to told me I would need to send in a copy of my ID. When I asked her, " Why it that you need my ID for a copy of the application but didn't need an ID to approve the credit card? '' The representative got snotty with me and hung up. So, not only did Bank of America approve a CREDIT card without any identification under my name, their representatives were rude and didn't help either.
Consumer complaint received 2023-01-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Upon information and belief my mortgage was fraudulent, and it is taught in every law school that ( FRAUD CANCELS ALL CONTRACTS ) which is the law! 

I was paying my mortgage promptly in 2009 and about that time the last two mortgage payments I made was returned to me by BOA. I believe that they realized that their fraud was now out in the open so to make amends for their past sins against me they continued to pay my taxes and insurance but kept the title to my property illegally.

I did not realize that they were keeping the title illegally on my home and now they have presented me with a bill charging me years of taxes and insurance that they paid on my behalf. This is not my liability as I did not ask them to pay this.

I applied for and got homeowners insurance recently in the amount that was necessary which was. BOA claims that my insurance is much more when they buy insurance at wholesale levels which is far above what I paid.

Therefore, it should be determined that their illegal conduct on my mortgage and claims against my property should be terminated with no cost to me due to my age and physical condition. This should be done promptly so I can plan for whatever future I may have.

The harassment and elder abuse to me must end. I'm dealing with recovering from XXXX and XXXX among other ailments. Therefore Bank Of AmericaXXXX. XXXX must be compelled to turn over the clear title to me with no claims or off sets they should not benefit in any way to their fraud. No rewards for fraud!! 

Ive had this property for 30 years or more Ive maintained it and made several improvements including a new water tank, heating system, chimney, roof etc Im recovering from XXXX and at my age I will be 86 this year the recovery takes at least a year or more Im a XXXX veteran with additional claims pending such as XXXX ( see attached ) and other injuries due to my military service that are yet to be resolved My original mortgage was with Bank Of America ( see attached ) they were found guilty of fraud for over 8 billion dollars and as fraud cancels all contracts their claim mortgage is not valid nor can they sell or assign what they dont own. It appears that unbeknownst to me my property and I have been involved and participated without my knowledge. 
There are probably other material facts that should prevent foreclosure of my property since I am no longer employable. My only income is social security and XXXX veterans benefits, it would be proper for a foreclosure on my property to be cancelled and I should be able to live there peacefully and indefinitely. 
On ( include year of the checks ) I received the attached two checks in the mail which corresponded to my last two payments that I made, I brought the checks to the Bank Of America in XXXX and spoke to the manager, he asked for a few minutes to do the research and shortly after he told me my mortgage had been payed off.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( 1 ) XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( a ) ( 5 ) Section States, no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. Lastly, 15 USC 1681 s-2 ( a ) ( 1 ) 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 in accurate. I'm requesting that the accounts above be deleted immediately.
Consumer complaint received 2023-04-07
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Credit Corporation (VA)

I got bills from the County of Fairfax for tax collection on my cars. I sent the check but only some were cashed by the county. It then went into collections. The printed bill stated that a penalty would be assessed. It did not match up with what XXXX was stating. 

They called several times and i told them that I sent the check to the County. They said ok. Apparently the County did not accept the check and the collection company needed to collect the bill. The bill was for {$1800.00} and they told me I owed over {$2700.00} ( on one car ). I told them that this could not be correct and the agent ( XXXX XXXX ) was rude and dismissive and would not accurately anweer my questions. He was argumentative. 

I eventually paid what he told me to pay because they filed a lien with my bank even though I was told I had until certain date to make payment ( which I did ).
Consumer complaint received 2020-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Addresses XXXX XXXX XXXX XXXX APT XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX Employer ( s ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT DETAILS Account Name XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$18000.00} Balance Updated XX/XX/XXXX Original Balance {$21000.00} Monthly Payment - Past Due Amount {$18000.00} Highest Balance - Terms 84 Months Responsibility Individual Your Statement - Comments - XXXX XXXX XXXX ACCOUNT DETAILS Account Name XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$0.00} Balance Updated XX/XX/XXXX Credit Limit $ 210 Monthly Payment {$0.00} XXXX XXXX XXXX {$0.00} Highest Balance - Terms Revolving Responsibility XXXX XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status! Closed Payment Status Repossession Status Updated XX/XX/XXXX Balance - Balance Updated XX/XX/XXXX Original Balance {$23000.00} Monthly Payment - Past Due Amount - Highest Balance - Terms 69 Months Responsibility XXXX XXXX XXXX XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status! Closed Payment Status Seriously past due date / assigned to attorney, collection agency, or XXXX XXXX & XXXX ; XXXX XXXX XXXX XXXX  Status Updated XX/XX/XXXX Balance {$4300.00} Balance Updated XX/XX/XXXX Original Balance {$3900.00} Monthly Payment XXXX XXXX XXXX XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status! Closed Payment Status Seriously past due date / assigned to attorney, collection agency, or XXXX XXXX & XXXX ; XXXX XXXXl XXXX XXXX Status Updated XX/XX/XXXX Balance {$3500.00} Balance Updated XX/XX/XXXX Original Balance {$3300.00} Monthly Payment - Past Due Amount {$3500.00} Highest Balance - Terms 36 Months Responsibility Individual Your Statement - Comments Student loan assigned to government ACCOUNT DETAILS Account Name XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XXXX XXXX Balance {$1200.00} Balance Updated XX/XX/XXXX Credit Limit {$1400.00} Monthly Payment XXXX XXXX XXXX XXXX XXXX Addresses show tooltip button Select as many as apply XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY
Consumer complaint received 2021-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (CO)

XXXX XXXX - I went to a presentation for their timeshare program and declined to purchase. I did not sign up or purchase a membership ; however the company used my information and opened a Wyndham Rewards Earner Credit Card in my name. I asked them multiple times what they were doing with my information and was told they would only do an XXXX  credit check. Instead they filled out a credit card application in my name without my consent, knowledge, or permission.
Consumer complaint received 2021-01-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2020-08-25
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings (CO)

I had applied for a {$300.00} pay day loan in XXXX, XXXX with Speedy Cash in XXXX, Colorado. I fell behind in my payment schedule and a balance was sent to XXXX XXXX XXXX XXXX in XXXX, XXXX. Although, I had made several payments, before the loan was paid off, it went to a collection agency which reported to XXXX  and XXXX  credit bureaus. In XX/XX/XXXX, I mailed the reported amount of {$250.00} to XXXX  XXXX, which is located in XXXX  XXXX, Missouri. I have a copy of the money order stub in my possession. I filed a dispute with XXXX  and XXXX  in XXXX, XXXX and in XXXX, XXXX but XXXX, notified me as a result of the dispute, that I still owe, {$100.00}, which is incorrect. I went to the website of XXXX, which I purchased the money order through and was advised to obtain a copy of the money order for a fee of {$25.00}. I think that it is unfair to me to have to pay for an additional copy of who received and cashed the money to show proof that XXXX XXXX is falsely reporting to the credit bureau that I have an unpaid balance.
Consumer complaint received 2021-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (HI)

Unacceptable business practice from US Bank. US Bank placed a lender-bought wind insurance retroactive for XX/XX/XXXX - XX/XX/XXXX on XX/XX/XXXX. 

When I called US Bank and spoke with the representative to question if they require wind or hurricane insurance, they could not answer me. The first letter I received from US Bank stating they required hurricane insurance was on XX/XX/XXXX and I bought hurricane insurance on XX/XX/XXXX ( next business day ). US Bank did not refund my full {$5600.00} and refunded {$4300.00}. US Bank 's stated in their letter that on XX/XX/XXXX a representative told me on the phone that I needed hurricane insurance on when I called their customer service line. What kind of unacceptable communication from a bank is this? 

I remember calling a US Bank representative on XX/XX/XXXX and he said they will not refund me and hurricane is required. I asked him if he can send me a letter from US Bank stating that I need hurricane insurance, he said he can not send me a letter. Then I talked to another US Bank representative after XX/XX/XXXX, and the representative did not know whether or not I need hurricane insurance or not. She said she would get back to me by voicemail after she speak with her supervisor, but she never got back to me. 

The first written letter I received from US Bank that stated I need hurricane insurance was on XX/XX/XXXX, and I purchased the insurance on the next business day XX/XX/XXXX. I am requesting the the remainder amount {$1200.00} of the lender placed insurance to be refunded due to US Bank 's poor communication and multiple confusing letters asking for wind insurance, which I had. I received the first letter from US Bank on XX/XX/XXXX ( through the complain on CFPB ) asking for hurricane insurance and purchased hurricane insurance the next business day. I request refund of {$1200.00}. As a borrower and consumer, I was not trying to avoid insurance or under coverage. US Bank had poor communication and no clear written notice to borrowers. They had poor customer service, they refused to acknowledge their confusing letters and did not provide written communication to borrower when asked.
Consumer complaint received 2021-06-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: MoneyLion Inc. (MI)

My name is XXXX XXXX and I'm trying to close my account again with MoneyLion that someone reopened using my information and already linked a Bank account to it and I have contact customer support and talked to them about it and they won't do anything about it and I believe someone is trying to take over my account and nothing is getting done about it and I even asked customer support to lock my card that i never received and if they could lock my account because I feel like my account is hacked and i feel like customer support don't wan na help resolve it
Consumer complaint received 2021-06-01
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. (NY)

XXXX XXXX PULLED MY CREDIT REPORT WITHOUT MY AUTHORIZATION OR CONSENT WHILE I WAS APPLYING FOR A VA MORTGAGE. 

HE ALSO LIED ABOUT THE INTEREST RATE. 

THIS DISPUTE IS ONLY FOR HIS IMPROPER USE AND COLLECTION OF MY CREDIT FILE. 

HE REQUESTED MY CREDIT FILE MANY TIMES WITHOUT MY CONSENT OR WITHOUT ME KNOWING.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Adjustment Company Incorporated (SC)

Consumer adjustment company showed up on my report as a new open account on XX/XX/XXXX with a delinquency. I have attempted to contact the company with no response via mail and phone. If the company bought old debt from another company they are not showing correct delinquency dates and the amount is higher than closed off account. This company is reporting as a brand new debt that is not correct. If it was bought from another company the delinquency date should be XX/XX/XXXXXXXX  with XXXX XXXX with a closed date of XX/XX/XXXXXXXX  and a balance of {$720.00} Consumer adjustment company has a new open date and delinquent date as XX/XX/XXXXXXXX  with a balance of {$1100.00}. I have submitted disputes with all 3 reporting companies. Changing the delinquency date and additional amount are both violations of Fair Debt Collections. Also, I am a south Carolina resident and S.C. has a 3 year statue of limitations on these types of loans.
Consumer complaint received 2021-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

On XX/XX/XXXX, Capital One closed my Venture card account without warning. I eventually received a letter from the bank that said " Capital One has observed activity on a past or present Capital One account that is not consistent with the banks expectations for account activity. '' But I never did anything unethical or unusual with the account. I simply used the card to pay for things that I would have otherwise paid for with other cards so it's hard to imagine what was " not consistent '' with expectations. Anyway, I understand that they can close my account for any reason. My problem is with how the rewards were handled. 

I had earned nearly XXXX " miles '' on the card. Those miles can usually be used for XXXX cent each towards travel purchases or can be transferred to a number of hotel and airline programs. I had planned to do the latter. 

Instead of giving me a chance to use the rewards the way I had planned, Capital One cashed out my miles at only a half cent each. So, instead of nearly {$600.00} in value, I got only {$290.00}. That is not acceptable, especially since I hadn't done anything wrong to provoke the shutdown.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance to the a Fair Reporting Act XXXX XXXX  XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 Section A States I have a right to privacy.

15 U.S.C 1681 section 604 section 2 It also states a consumer reporting agency can not furnish an account without written notice.
Consumer complaint received 2021-07-19
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc. (TX)

The debt collector is in violation of 15 USC 1692c ( a ), 15 USC 1692c ( 1 ), 15 USC 1692c ( 3 ), 15 USC 1692c ( b ), 15 USC 1692d ( 1 ) ,15 USC 1692d ( 2 ) ,15 USC 1692d ( 3 ), just to name a few. According to 15 USC 1692k ( 2 ) ( A ) each violation is worth {$1000.00}
Consumer complaint received 2021-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have overdraft protection and yet the Bank of America keeps charging me a {$35.00} overdraft fee! I have three times written to XXXX XXXX .... the branch manager in XXXX, New Jersey but she never has the courtesy to answer me. Yet again I received a bank statement with a {$35.00} overdraft fee!
Consumer complaint received 2021-03-01
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (AK)

On XX/XX/XXXX I contacted Specialized Loan Servicing LLC 4 times by phone to dispute an increase in the mortgage balance they were reporting to the credit bureaus. On XX/XX/XXXX I contacted SLS by phone to dispute another increase in the mortgage balance they were reporting and was told that I needed to file the dispute in writing. I then sent a written dispute via email. XXXX attached ). I also filed disputes with the three credit bureaus. SLS corrected the balance they had reported to the credit bureaus. Today, XX/XX/XXXX, I noticed that SLS has again reported an increase in my mortgage balance ( XXXX ) to the credit bureaus. This has had a severe negative effect on my credit rating and has taken place 3 out of the past 4 months. This is unacceptable!
Consumer complaint received 2021-01-26
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. (CA)

Hello my name is XXXX XXXX, I have looked into my credit report and I have some concerning issues considering the information being reported in my credit report. I have looked into the Fair Credit Reporting Act and I have to question some of what it is I am seeing being reported in my name. How can child support be reporting on a credit report when its considered to be a Judgement from the courts.