davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (GA)

TD bank has reported an account to my credit report for some time now. I have previously disputed this record and they pulled it off the bureau ( all 3 ). This account was not mine. Company has been non-responsive to dispute letters sent in and has not provided me with any feedback other than adding the account back to my XXXX report. Interesting enough they are only reporting to that 1 bureau. XXXX has not been helpful in this situation either and has frankly been unresponsive. Not sure why the either company is able to address an account from XX/XX/2016 or deal with the customers.
Consumer complaint received 2016-07-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

In XXXX XXXX, I applied for the HARP loan program through Bank of America. The purpose was to reduce my monthly mortgage payment of {$680.00} to under {$500.00} due to financial hardship. ( XXXX XXXX XXXX, I applied for Chapter XXXX Bankruptcy and was discharged ). After my HARP loan was approved, my payments, as expected, totaled {$470.00}. In XXXX XXXX, I received a letter for Bank of America informing me that my payment had increased to {$620.00}. This was a total surprise and not in the spirit of the HARP loan program for which I understood to getting a reduction in my monthly principal payments. The refinancing of my original home loan balance, before HARP was {$68000.00}, after refinancing the loan balance with HARP I am now paying more for the house than I had before with a total of {$72000.00}. This all happened in less than one ( 1 ) year. As it stands, I did not benefit from the HARP loan or its counseling. This transaction has placed me in a greater financial hardship and responsibility than before. I would like this loan to be re-visited, as this was not my intended purposes of refinancing with HARP. 
The HARP loan has put me in more debt than I expected. My loan is now right back to where it was, at 30 years with a higher rate and balance.
Consumer complaint received 2016-01-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

I was approved by Keep your Home California for a principal deduction up to XXXX, but my bank op not to participated. I 'm a single mother of XXXX and and take care of my of XXXX grandchildren due that their mother abandoned them, my son their father is currently in a XXXX XXXX in XXXX, & my XXXX mother - I 'm trying to make my monthly payment. I bought at the wrong time back in XXXX right before the market crashed in XXXX XXXX, and my payments keep going up, that I ca n't afford. I want to stay in my house, but if the bank will not help. I will be force to move and no where to go. Please help me stay in my house. I have applied for a modified loan and the bank said I do n't qualify for another modify. I 'm sure there is something out their that I can qualify for. Please help me stay in my house.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2015-10-20
Product: Credit card — 
Issue: Other fee — 
Company: SYNCHRONY FINANCIAL (NC)

I purchased an HVAC system through Lowes Home Improvement on my lowes Credit card. I signed a contract on XX/XX/2015 for Installed services by XXXX/XXXX/2015 with the only condition of weather permitting. The final installed date was XX/XX/2015. There was no weather delays. The installer stated that his schedulling was first come first serve. Charges began accruing on the credit card begining XX/XX/2015. I asked Lowes to refund only the credit charges due to the failure to meet the terms of the contract and considering the fact that charges accrued on the service even when the service had not been delivered. They did not respond despite multiple calls.
Consumer complaint received 2023-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

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.

XXXX  Account # Account number : Account Name : XXXX XXXX XXXX XXXXAccount numberXXXX has violating my rights Account name : XXXX XXXXAccount number:XXXX has violating my rights XXXXAccount number XXXX has violating my rights Account name : XXXX XXXXAccount number : XXXX has violated my right 15 US.6 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 writter 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
Consumer complaint received 2022-09-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

Before my retirement, I worked with a group that met whenever a customer had a severe problem with XXXX of our products. 
When the group met, the priority was not to help the customer with the problem, whatever it was. 
The foremost priority was, how do we cover our rear end? 
When I filed the original letter of complaint, a representative from Bank of America called me. 
It was apparent from the questions asked that solving the problem was not a consideration. 
The number XXXX priority was, how do we cover our backside? 
It was not a surprise when I received the answer. On the contrary, it was classic ; we ( Bank of America ) are covering our backside. 
I was highly familiar with the process. 
I feel Bank of America violated regulations of the governments loan postponement ( forbearance ) program. 
I received a letter dated XX/XX/2022, from Bank of America that I was entered into a payment postponement ( forbearance ) plan. 
From the letter : This means there is no requirement to make any billed and unpaid contractual payments at this time, through XX/XX/2022. 
I received another letter dated XX/XX/2022, from Bank of America that I was entered into a payment postponement ( forbearance ) plan. 
From the letter : This means there is no requirement to make any billed and unpaid contractual payments at this time through XX/XX/2022. 
Both letters stated that prior to the end of your postponement period, we will reach out to you to work on any repayment options based on your circumstances. 
There is no requirement to make any billed and unpaid contractual payments at this time through XX/XX/2022. 
I understand that the payment ( forbearance ) plan was a government program that helped many people, including me. 
I met the requirements for the plan and was approved. 
There was not any requirement for me to make any payments. 
I feel that it was a violation of the program governing regulations. 
That during the period when there was no requirement for me to make any payments, Bank of America transferred my home loan to a debt collector. 
There were not any payments due. 
At this time, in other words, I did not owe anything. 
The loan postponement ( forbearance ) program was designed to keep people in their homes. 
Instead of helping to keep people in their homes Bank of America decided, at this time, despite the fact I owed absolutely nothing, to send the loan to a debt collector. 
XXXX XXXX XXXX : XXXX Phone Number : XXXX
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

A letter was sent on XX/XX/2024, the report number XXXX. The letter was to remove inaccurate personal information that I do not want reported on my credit profile. According to the FCRA, Fair Credit Reporting Act 15 USC 1681. I have right to privacy. Following also Fair Credit Reporting Act 15 USC 6802. No financial institution is not suppose to share my information to third party people. 
These are direct clear violations of my federally protected consumer rights.
Consumer complaint received 2015-08-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MT)

I closed a XXXX credit card that I had opened in XX/XX/XXXX. I had no history of account problems, paid on time each month, and have a {$0.00} balance. XXXX reported the account closed, paid in full, {$0.00} balance, and paid satisfactorily, however it was shown that the account was closed at the credit grantor 's request. I contacted XXXX multiple times and they told me they had submitted a correction to Equifax multiple times to have the status corrected. This was beginning in XX/XX/XXXX. It has not been corrected by Equifax and is still listed as " closed at the credit grantor 's request. '' Despite my and XXXX 's attempts to correct this, Equifax still continues to fail to correct the account status.
Consumer complaint received 2024-01-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am frustrated by your bureau 's failure to remove fraudulent accounts despite confirmation from associated banks of a system glitch and inaccuracies. The banks assured me of immediate removal. XXXX has promptly acted. Your bureau 's delay is causing distress, and I insist on immediate removal, as agreed upon with the banks. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc. (TX)

XXXX XXXX XXXX XXXX repeatedly reports inaccurate account information ( date opened : XX/XX/2016 ) and without validation of the debt owe to the credit bureaus in violation of FDCPA and FCRA
Consumer complaint received 2018-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CO)

Under the new law effective XX/XX/2017 any and all public record data must include name, address, SSN or full DOB for it to appear in your credit report. The credit bureau has not updated the information and per the new law the Bankruptcy listed does not include this information and therefore should be deleted from my credit report.
Consumer complaint received 2015-05-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Protection Association, L.P. (TX)

The tenant that lived at in my house had an XXXX account. When he moved out, I was charged with his bill from the new residence but under my name. I figured this out when I went to the XXXX local store to start XXXX under my own. The representative checked my ID ( billing address did n't match my address obviously ), put some notes under that account, apologized for the error and fixed it by giving me a new account and not charging me anything for the previous account. Now the collections has been calling me over and over to collect this debt. I already talked to them but its not helpful.
Consumer complaint received 2022-09-06
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CAPITAL ONE XXXX Date Opened : XX/XX/2015 Balance : {$45000.00}
Consumer complaint received 2022-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (FL)

I filed a fraud claim for XXXX XXXX on XX/XX/XXXX after going back and forth between branches and customer service representatives giving me different erroneous information on the process to get the money back. In XXXX  XXXX I was credited the money for XXXX XXXX and was told that the other one was pending review and to check in 7-10 days. On XX/XX/XXXX, that the fraud claim was denied because of the timeframe on when it was filed but the other claim was approved and if it was late according to them, it was for their own erroneous information. I spoked with supervisors without any resolution and opened a complaint with the XXXX complaint # XXXX on XX/XX/XXXX ; XXXX. All they did was sent XXXX messages stating that it will take 15 calendar days for a resolution and nothing else. On XX/XX/XXXX I received a letter from the bank stating that my checking account will be close by XX/XX/XXXX because the bank can close an account at their discretion. I read numerous social media reviews and Truist has done the same thing to many clients like myself ; they denied fraud claims and the customer have to take the lost. My fraud claim was for {$3700.00}. Thats a lot of money for me and it's unfair and illegal that Truist will denied something that XXXX says there is zero fraud liability.
Consumer complaint received 2020-10-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Theses names are the known liars that I have spoken with at Bank of America ... XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ( home retention ). I was told that my permanent paperwork was going to be mailed on XX/XX/XXXX then delayed until XX/XX/XXXX ... Both dates have come & gone and no paperwork. 

Bank of America is XXXX XXXX me without the grease!
Consumer complaint received 2017-04-27
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: Navient Solutions, LLC. (NM)

Over the course of 11 years a lot has happened between the pressures of  XXXX   XXXX  pushing to finance my education when I had the money to pay outright at the time,  XXXX   XXXX  taking over my loans and Navient continuing to service them. My complaint is about the incorrect and ruinous suggestion from  XXXX  Mae/Navient 10 years ago to consolidate my loans. What was done could not be undone. My private loan increased from a few small increments t o one large one an d my interest rate skyrocketed with it to over 19 %. No one at   XXXX   XXXX   told me they would do this, no one atNavient can do anything about it. In 10 years I have not made a dent in my initial balance, at this point I wholeheartedly believe that going to college was the worst decision of my life. I beg friends, family and colleagues not to go at all or not to finance. I tell them my story and luckily, so far, no one I know is financing their education. Those of us who were   XXXX   XXXX   by the Triad of deception,  XXXX   XXXX ,  XXXX  and Navient, are for the most part completely stuck. Stuck with an useless unaccredited education and a lifetime of debt.
Consumer complaint received 2017-04-30
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

XXXX  These are not my accounts and I would like to remove them all thank you.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX   XXXX   XXXX   #  XXXX   XXXX   XXXX   XXXX   XXXX   #  XXXX
Consumer complaint received 2023-03-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (NY)

XX/XX/2023 I, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX had applied for a loan from One Main Financial located at XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX with a XXXX. after compiling with all the required information including submitting our taxes and transcription. which process started weeks ago. We finally called in on XX/XX/2023. XXXX told us that we were denied because a XXXX  is not income. I then asked her to give me a denial letter stating that, and she said she can't, but I will receive a letter. That aroused my attention. I called her back and asked her who can we speak to regarding this and she said no and she sorry well be getting a letter in the mail and hung up.

After reviewing all that has transpired, we thought to call someone to handle this discrimination of income situation and contacted XXXX XXXX XXXX XXXX XXXX XXXX and the referred us to XXXX XXXX XXXX that referred us to Consumer Financial Protection Bureau and this where I started our complaint. 

Thank you in advance for reviewing this case and guiding us to your best of your ability to us getting this matter to either get this loan or giving a legal written letter to why we were denied and reason or another. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

have ftc report filed report # XXXX XXXX XXXX XXXX  account XXXX is being reported buy 3 credit bureau the collection says XXXX dollers please remove this item i request all paper work showing other wise
Consumer complaint received 2022-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Received the bill/coupon in the mail. I filled it out and returned for remittance. They did not credit the account accordingly. Instrument was not returned within the 3 days to dishonor the instrument submitted.
Consumer complaint received 2017-04-27
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: Experian Information Solutions Inc. (AZ)

On  XXXX / XXXX /   2017    XXXX    XXXX  was sent a letter from me asking for the original instrument of indebtedness in its original form of this said account in exchange for payment.   XXXX     XXXX  never responded to my letter.   XXXX   XXXX   was stating that I owe  XXXX . After the letter was sent, I checked my credit report on  XXXX   XXXX ,    2017  and the balance was changed to {$33000.00}. I was expecting a letter from them to no avail about this situation. Upon checking my credit report today  XXXX / XXXX / 2017   XXXX   XXXX  jumped the loan amount back to {$50000.00}.
Consumer complaint received 2022-09-06
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. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$26000.00}
Consumer complaint received 2022-09-06
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. (MO)

I sent a letter on XX/XX/XXXX to XXXX credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than XXXX business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$9300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXXXXXX Balance : {$620.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$1900.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$650.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3400.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX  XXXX XXXX Balance : {$8800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$930.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX XXXX {$1000.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ;