davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

In XXXX of 2020, I went on Forebearance for 12 months with Bank of America. At the time I was told of the different options I had once my forebearance ended. I knew then I wanted to do the Payment Deferral. I was told a month before my forebearance ended I would receive a packet of options which I never received. In XXXX I began calling BofA asking about the Payment Deferral Option. I was told several times that paperwork would be sent in. Again, I would inquire about the paperwork and nothing. Then I was told that they couldn't send in paperwork until after my forebearance ended. Again, XXXX of XXXX I made calls and got no where. Now it's XX/XX/XXXX, I have a negative balance. My last conversation with BofA was that my only option is Modification and since I never received anything saying that I was approved for Payment Deferral that it was probably denied. I asked Denied why? They said it was not a guarantee and it was up to the investors. Talked to Fannie Mae and they said they never received any paperwork and it was up to BofA, so somebody is lying. I don't want a loan modification. I have 11 yrs left and I'm 60. This whole thing is stressful.
Consumer complaint received 2020-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I was charged a late payment on my credit card. Due to covid19, I was unable to pay the bill on time. I tried to call the company, and they always have over an hour wait time! I have always paid on time.
Consumer complaint received 2020-09-19
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. (AL)

This is my second claim against the credit bureaus. They still have not investigated and provided me with documents stating that the items disputed on my report are accurate. I have asked for this over and over again and filed a claim with you and still have not received anything.
Consumer complaint received 2023-01-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: ALLY FINANCIAL INC. (FL)

Ally Financial secretly drained my entire account of XXXX dollars using monthly XXXX dollar fees on an account that I had back when I was with XXXX. This was an account I had using the money I earned working in my teenage years and I had kept money aside in case I wanted to invest. Ally Financial decides to drain my account without telling me, and I only discovered it when I finally received an email from Ally Financial that my account has been emptied on XX/XX/XXXX. This is highly unethical and predatory, and I want my money back. As much as I want to sell everything and move that money they stole to a safe account, they only offer XXXX dollars back when I try their customer service. XXXX says " I do want to reiterate that this is a self-directed account and these fees were disclosed to you upon account opening '' when I actually had the account with XXXX  before it was bought out by Ally and I had it before they even started this nonsense. If they will not give my my money back and let me exit everything via their chat service online, then it looks like I have to try other routes.
Consumer complaint received 2024-02-23
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. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( 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. 

15 U.S.C. 1681s-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 inaccurate.
Consumer complaint received 2022-04-05
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Consumer complaint received 2020-10-21
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: EQUIFAX, INC. (MD)

XXXX XXXX XXXX. XXXX XXXX, XXXX MA XXXX Account # XXXX I am writing to inform you that I do not owe this alleged debt on my credit report. I am refusing to pay this debt listed by the Debt Collector Agency. 

I demand proof of this debt. I am demanding for all three bureaus XXXX, Equifax and XXXX to remove these defamatory remarks and comments from my credit report. This is a defamation of character.
Consumer complaint received 2020-10-21
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. (MD)

XXXX XXXX XXXX. XXXX XXXX, XXXX MA XXXX Account # XXXX I am writing to inform you that I do not owe this alleged debt on my credit report. I am refusing to pay this debt listed by the Debt Collector Agency. 

I demand proof of this debt. I am demanding for all three bureaus XXXX, XXXX and TransUnion to remove these defamatory remarks and comments from my credit report. This is a defamation of character.
Consumer complaint received 2023-03-09
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: JPMORGAN CHASE & CO. (NY)

Account Number XXXX Account Number XXXX JXXXX XXXX {$100000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX  {$10000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
Consumer complaint received 2023-03-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Westlake Services, LLC (NC)

IN XX/XX/2019 MY LOAN WAS PAID UP, THEN THE CAR LOTS WERE SHUT DOWN AND WE WERE SUPPOSED TO BE MAKING PAYMENT TO THE DEBT COLLECTOR THAT THE CAR LOAN WAS SOLD TO. I ASKED THE DEBT COLLECTOR TO COME GET THE CAR BACK NUMEROUS TIMES BECAUSE I NO LONGER WANTED TO KEEP APYING ON A VEHICLE THAT WAS SOLD TO A DEBT COLLECTOR. THEY REFUSED TO COME GET THE VEHICLE AND AUTOMATICALLY PLACED IT ON MY CREDIT.
Consumer complaint received 2020-10-21
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. (AL)

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XX/XX/2020, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX shows XX/XX/2020, Experian shows XX/XX/2020 and XXXX has XX/XX/2020. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : DEPTEDXXXX Account # : XXXX Account Name : DEPTEDXXXX  Account # : XXXX Account Name : DEPTEDXXXX Account # : XXXX
Consumer complaint received 2023-03-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (FL)

I am from XXXX and I own XXXX XXXX XXXX A person texted me from a us phone number saying they will come to XXXX for vacations and that they are interested in renting the cabins. He made a deposit on my US bank account for more money than i asked to, so he asked me to transfer the difference back. My account got blocked so I called us bank to ask the reason and they said it was because im not used to getting those amounts but that everything was ok and that I have the full amount in my account. The deposit was from what you can tell on Us bank app, in cash since it was fully available from the very biginning and did not say it was a pending check. My account was available again on monday XX/XX/XXXX and I made the XXXX transfer since us bank told me the money was on my account. Later that day another us phone number texts me asking for the same thing, then I assume there was something wrong so i called us bank telling the situation. They could not even tell me if it was cash or a check and after hours of being on the phone they tell me it was a check. Later that day I called again to Us bank asking how can Us bank accredit the full amount of a check in my account if the check is not even veryfied yet, and the fraud department tells me they looked up the check with the supervisor and told me i had nothing to worry about, that the check was verifyed and the money was on my account. Today I wake up and that money is gone, I called the fraud department and again after hours of calling they told me that YES it was a mistake on their part because the person that received the check at the US bank branch didnt do the right verification on the check and they just put the full amount available on my account, and said there is nothing they can do about it. I was like how can you tell me is your mistake and that because of that i lost XXXX and there is nothing you can do about it. They said " sorry, it was a busy day probably '' like if that makes it ok I lost my money.i would never transfer money back If I know it was a check and pending from approval, but US bank told me everything was ok, and all the sudden they took that money away from my account.
Consumer complaint received 2020-10-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Bridgecrest Acceptance Corporation (GA)

My debit card was stolen from my workplace, the thief has all my personal information including driver 's license. XXXXbridge cre st tel number XXXX XXXX AZ was notified to cancel a pending transaction. They refused, I spoke with two people XX/XX/XXXX Monday morning, that they did not verify the payment my card was stolen that night. They refused to cancel payment or even tell me who paid for their car XXXX XXXX XXXX  on XX/XX/XXXX. I gave them the exact time the transaction was done and the amount of {$500.00} was charged. They did not help at all and they are worse than the thief. XXXX cash-Merchant. Description XXXXBRIDGECREST should be penalized for allowing its customers to use stolen cards to make payments. Please call them to demand they give you an account of the person who made payment for their car with an account ending in XXXX at XXXX XXXX.
Consumer complaint received 2020-09-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (CA)

M & T Bank is very aggressively attempting to force place insurance on my property. They have now moved to retroactive insurance. This time, they are specifically attempting to force place retroactive insurance because I allegedly did not have the correct type of insurance from XX/XX/2020 to XX/XX/2020. They are threatening to buy insurance for me that they claim is much more expensive than my insurance and may cover much less. There is no date listed by which I have to fix this issue. They simply state that it must be done immediately. I just got this in the mail today and will call my insurance tomorrow to fix it in order to avoid them buying insurance for me, as I have done the dozen other times this has happened. I get a harassing letter from M & T Bank like this about every 2-3 weeks. I have threats to force place insurance because my coverage wasn't high enough. It was high enough and my insurance company sent them a copy of the state law to show it was high enough. I got a threat to force place coverage because the unit number was missing from my address. I had my insurance company humor them by sending a copy and making sure it had the unit number. Then I got another harassing letter saying now that there is a unit number on my insurance, it isn't valid because it doesn't match the address they have on file because it doesn't have a unit number. I got a harassing letter saying I needed to have a different type of coverage. I switched to they type of coverage. I actually didn't mind because it ended up saving me money. Now they're asking for retroactive coverage for that different type of insurance because they don't have proof that I had that specific type of insurance between XX/XX/2020 and XX/XX/2020. I'll fix this issue immediately and I'm sure they'll come up with another reason to threaten me with force placed insurance. I did some research and it looks like that have had several class action lawsuits for exactly this and it looks like they're doing it again. One additional detail worth mentioning is that federal law requires that if a company is going to force place insurance they must provide a warning 45 days in advance and a second 30 days later and 15 days before purchasing the insurance. Since this is the second notice, my guess is they're using that XX/XX/2020 and XX/XX/2020 to get around that. My worry is that even though I will fix it tomorrow, they could just as easily pick another random set of dates in 15 days. Why are they allowed to do this to people?
Consumer complaint received 2023-02-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I received an advertisement to lower my monthly payment on my XXXX XXXX that was purchased in XXXXXXXX XXXXf 2022. My rate from XXXX XXXX was a high at 12 %. After filling out the loan request from Capital One Auto Loan department, my rate was going to be 10 % and my monthly payment would go from {$260.00} a month to {$230.00} a month. I was given a choice of payament terms and length. Consisting of 3 different rates and monthly terms. I chose {$230.00} a month to lessen my monthly payment and make my Loan percentage would also be less. I submitted all paperwork. working with a loan specialist. Never heard anything from Capital one for 2 weeks and then it was a recorded message saying. My monthly payment would be {$290.00} a month. I called 17 times trying to correct this obvious error. No one ever returned my call and I only spoke with some out of the country CS support line. When I finally reached someone today on a return CS call, I was told the pauyoff I quoted was {$160.00} more so thats why the monthly difference. ( I called XXXX ). Then I was told you signed a contract so you will have to live with it. Capital One pulled a bait and switch and nevef freturned any of my calls untill after they paid of XXXX XXXX. There is still a question re : The {$280.00} payment I made 7 days ago. Please Help XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, NC XXXX
Consumer complaint received 2021-09-15
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 — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY (AZ)

An account was open with AMEX that was closed due to non payment. It ended up being sent to collections, where it was paid in full. AMEX found some sort of error in the amount collected which was under {$1.00}, and reported that balance as a new debt on my credit report. I disputed this charge on the credit report, at which point the wrote it off, bit never correct reporting to agencies, still showing the balance as paid off as of the date they fixed their error, not as of the date the balance had been paid in full. I have no other way to continue to review this with AMEX, I'm just referred back to the credit dispute process, which is refusing to process another dispute.
Consumer complaint received 2020-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Go Capital Holdings, LLC (GA)

previously sent you a request for verifiable proof of the accounts listed on my credit report that were not mine or were inaccurate. You took the 30 days required by law and still you failed to provide the necessary proof of these inaccuracies. You are required by law to have the original creditors documentation on file to verify this information. You have failed to comply with Section 611 of the FCRA and I demand these accounts be removed from my credit report immediately! I have also requested that all unauthorized inquiries be deleted from my credit file. You have failed to do so and I demand that any inquiry that does not have my signature attached to it be removed immediately
Consumer complaint received 2022-04-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Designed Receivable Solutions, Inc. (AL)

This company listed a fraudulent collection on my credit report. It did not notify me in writing of the account prior to it being listed on my credit report. My address is XXXX XXXX XXXX, XXXX, AL XXXX. I spoke with someone who said they had sent out a correspondence, but I never received one. The company is stating that I owe {$160.00} for services I didn't receive. I want this account permanently removed from my credit file and if the company has any additional information or correspondences that need to be sent to me they should be sent to the above address. This is not my account and a violation of FCRA.
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

COVID-19 has made it very rough for me financially. I have been doing what I can to improve my credit with the objective that I can move toward more resources and more assets. I am experiencing remarkable difficulty arriving at Equifax and endeavoring to address certain information on my credit report. Equifax has extremely poor correspondence, I didn't get a phone call, email or, mail, nor are they affirming the information I am challenging. In view of the negligence of the credit organizations I have not had the option to push ahead to quiet a segment of the budgetary weight I've endured during the ongoing months. I sent correspondence on XX/XX/2020 and XX/XX/2020. I sent the letters that are attached and gotten no reaction. I want to have these issues examined and settled as fast as could reasonably be expected.