davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/XXXX of this year, I went to my credit union to make a wire transfer to Bank of America to pay off my mortgage. I had in hand a payoff letter from BofA with instructions on making the wire transfer. The instructions were somewhat sketchy, and there was no information on how to provide my loan number so that the transfer could be applied to my mortgage account. I made a guess about what data element should contain my loan number, and I called the BofA mortgage department while I was sitting in the credit union to confirm that I should do it this way. The rep said he thought that was probably fine so we went ahead. 

The next morning I got a phone call from my credit union saying that BofA had bounced back my wire transfer because they couldn't apply it as formatted, and they withheld {$45.00} from the amount they returned. I went back to the credit union and we did another wire transfer and this time I tried the other possible way to fill the data elements. This time it worked. 

I have contacted BofA multiple times over the past week to discuss getting my {$45.00} returned to me - I did the best I could with the payoff letter and my bank rep didn't think there was anything wrong with what I did. No one at BofA can even see the {$45.00}, because it wasn't a fee charged, it was an automated penalty done by computer and it's not associated with my loan. 

This is theft. It is not like I wrote them a check that bounced. There was plenty of funding sitting there in the transfer and no human had to intervene to return the money, the computer just helped itself to my funds. Nobody at BofA to whom I have spoken even offered to send me a check as a courtesy to make me go away, despite the absolute certainty that I have used more than {$45.00} of their staff resources trying to get an answer to this question. 

If this is how BofA is going to operate, they need to disclose in their payoff letter that a penalty may apply if you get the transfer wrong, and they need to make their payoff letter more explicit as to how you format the wire transfer. 

I have documents of the wire transfers and the payoff letter, I can provide them if they are needed but currently they are not in electronic format.
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (KS)

I have been attempting to dispute fraudulent and incorrect information on my credit report with each of the bureaus. I provided additional documentation regarding a dispute and investigation request, and it has been over 30 days.
Consumer complaint received 2018-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (RI)

Between XX/XX/2017 and XX/XX/2017 I received a lot of hard inquires from auto financing companies that were not authorized by me. I wanted these removed since they have significantly lowered my score and I did not request them but these companies will not remove.
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (PA)

I have been challenging the accurate reporting of this Bankruptcy being reported on my credit with the 3 bureaus for about a year ... Each time items come back verified ... .how is this possible ... i am attaching items being reported on my credit report that state right on the credit report that they are included in a bankruptcy ... looking on pacer.gov this bankruptcy was discharged XX/XX/2015 ... ..these items need to be removed off my credit report ... .Also looking at this bankruptcy that they are reporting the reference numbers do not match 100 % as it is being reported on pacer.gov ... the court does not match either ... how can they continue to report this inaccurate information on my report? ... They have not conducted a proper investigation ...
Consumer complaint received 2018-02-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Advance America, Cash Advance Centers, Inc. (NC)

XXXX XXXX XXXX in XXXX, Virginia, did not notify me that I was on my fifth loan with the 180 day time period at the time of the loan, nor did they tell me that I had the option of repaying that fifth loan in installments. When I returned the next day to reborrow, I was informed that I was in my 45 day waiting period, and could not reborrow. This has put me in jeopardy of not being able to pay certain bills that I need that loan to pay. Prior to this, I had an excellent repayment record with that company. Now, the management of the company will not respond to my calls nor messages to speak to me about the problem with their employees lack of information about the loan process.
Consumer complaint received 2018-10-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pendrick Capital Partners Holding, LLC (IL)

This is in reference to CFPB complaint # XXXX XXXX XXXX XXXX stayed the accounts were closed a referred back to Pendrick Capital Partners. Due to their history of unethical practices, which is public information I feel it necessary to submit this complaint. I demand that the accounts listed in the referenced complaint be removed. ( 3 amounts/being charged- ( {$58.00}, {$910.00}, {$1100.00} All supposedly related to XXXX XXXX XXXX  ). I have never heard of this company and never visited them. The exact same amount has also been attempted to be collected under a different company names- XXXX  XXXX XXXX and XXXX XXXX XXXX, XXXX.
Consumer complaint received 2022-08-17
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. (TX)

accordance with the fair credit reporting act XXXX  Account 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.
Consumer complaint received 2021-06-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (VA)

I MADE THE MISTAKE OF HIRING HOME DEPOT TO REFACE MY KITCHEN CABINETS IN XX/XX/XXXX. THE WORK TOOK PLACE IN XX/XX/XXXX AND I HAVE BEEN TRYING TO GET BACK THE MONEY I'M OWED SINCE XX/XX/XXXX. I ALSO SENT A DEMAND LETTER TO XXXX XXXX XXXX SINCE THAT WAS THE OFFICE BUSINESS CARD I GOT FROM XXXX XXXX AND XXXX XXXX XXXX WHO EVEN CAME TO MY HOUSE IN XX/XX/XXXX AND DESPITE TELLING ME HE WAS GOING TO MAKE IT RIGHT, I NEVER HEARD FROM HIM AGAIN ). I SENT AN EMAIL ASKING WHY NO ONE HAD RESPONDED TO MY DEMAND LETTER, BUT THAT EMAIL WAS ALSO IGNORED. CUSTOMER SERVICE SUCKS AND I WANT THE MONEY BACK HOME DEPOT STOLE FROM ME RETURNED IMMEDIATELY!!!! CHARGING ME FOR SERVICES AND EQUIPMENT NOT PROVIDED IS 100 % ILLEGAL!!!!
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NV)

I need some help I have disputed a public record appearing on my credit file several times. This is inaccurate information against me. I have called the court house and nothing is listed under my information but this appears on my credit file. Please help resolve
Consumer complaint received 2018-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I pulled my credit report on XX/XX/XXXX and noticed that a company XXXX were reporting 90-120 days late. I don't recall this to be the case so I sent them a certified return receipt letter on XX/XX/XXXX and on XX/XX/XXXX asking for verification of the late payments with my signature. They sent me a copy of my contract. I am not disputing the debt as this account is paid off. I'm disputing the error in my payment history that are being reported. I sent certified letters to all 3 credit bureaus and did not get anything resolve with them either. I did not get anything back from any of them showing this reporting is correct. I don't believe it is fair to report this error without giving me proof of such. I am requesting that they provide my proof of these late payments or delete this error right away. This is gravely affecting my credit scores and needs to be removed immediately. I am sending a letter today to the Attorney General Office and the Better Business Bureau as I want this to be taken care of right away.
Consumer complaint received 2022-04-29
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 sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I a

m attaching a Copy of all letters sent below. This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (MO)

On XX/XX/ I applied for a chase freedom credit card application XXXX XXXX I received a denial notification stating that a denial letter would be sent via mail. I immediately called customer service to speak with the lending department and acquisitions supervisor. They continued to state the reasons as to why my application was denied according to my consumer credit profile. I informed them of the discrimination and USC code violations they performed pertaining to them withholding access to my credit. I was refused access to my credit or retraction of my application. Which is a violation of 15 U.S.C. 1691 ( A ), 15 U.S.C. 169 ( C ) 15 U.S.C. 1611 Willfully and knowingly giving false and inaccurate information regarding access to my credit. 
I did file a complaint with Chase directly as well. 
Regardless of the reason for being denied, I have the right to credit withholding my access to my securities is securities fraud. Chase has violated the Equal Credit Opportunity Act and Consumer Credit Protection Act since they are denying me my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: General Motors Financial Company, Inc. (GA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : XXXX
Consumer complaint received 2022-08-17
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. (PA)

In accordance with the fair credit reporting act 1 ) XXXX  account -is a fraudulent unauthorized account. 
2 ) XXXX XXXX is a fraudulent unauthorized account. 
3 ) XXXX XXXX XXXX- late payments which was paid on time. 

15 U.S.C 1681 section 602 A. States i have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : states a consumer reporting agency can not furnish an account without my written instructions. 

i've sent letters to XXXX, experian, and XXXX on XX/XX/2022. and now on XX/XX/2022 i still haven't received anything in response to the disputes i filed no mail or any updates on the accounts i disputed
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I have reviewed all three of the credit reporting agencies reports for myself. The show as follows : XXXX  Total Balance Due : {$57000.00}. 
Total Payments : {$710.00}. 

Equifax Total Balance Due : {$57000.00}. 
Total Payments : {$2100.00}. 

XXXX  Total Balance Due : {$57000.00}. 
Total Payments : {$2100.00}. 

The balances on all of our accounts ( 1 real estate/1 car payment ) is {$29000.00}. The total monthly payments we pay ( 1 real estate/1 car payment ) is {$1100.00}.

We have some additional credit card accounts, but there is XXXX balance on them, and has been that way for years.

I have contacted XXXX  previously, however, they refuse to change the numbers on my credit report. Can you help me? As I strive to maintain excellent credit information, when you look at these credit reports, it indicates that I owe more than TWICE as much as I actually do. I am furious about this. Please help.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC. (IL)

I got an alert from my bank that a hard credit inquiry was done on XX/XX/XXXX by a company SANTANDER CONSUMER USA. I did not give anyone written consent to do this hard credit inquiry. We were going to purchase a XXXX from the XXXX XXXX dealer and were approved for a loan after a hard inquiry was done on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX However, after XXXX told us we can not purchase the car in California since we live in Illinois, we canceled our order. As soon as the order was canceled we saw in our bank statements that we had another hard credit inquiry on XX/XX/XXXX that we did not approve.
Consumer complaint received 2021-06-01
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. (CT)

On or about XX/XX/2021 I submitted an ''Dispute '' accompanyed with a 609 ''Dispute letter. to ''Experian '' Credit Reporting agency. To date XX/XX/2021, Experian has not removed or responded within the 30 day period in accordance of the Fair Credit Reporting Act.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

There are multiple credit inquiries on my report that I did not authorize. I have disputed these inquiries several times and they have not removed any of the unauthorized inquiries. I disputed these inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they have failed to thoroughly investigate my disputes and continue to validate the inquiries.
Consumer complaint received 2018-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

Between XX/XX/2017 and XX/XX/2017 I received a lot of hard inquires from auto financing companies that were not authorized by me. I wanted these removed since they have significantly lowered my score and I did not request them but these companies will not remove.
Consumer complaint received 2021-06-08
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: WELLS FARGO & COMPANY (NC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.
Consumer complaint received 2020-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

the last 3 months a XXXX account is on my credit file that i don't know about. i need proof of it or removal of the XXXX  account. 

incorrect addresses and inquiries
Consumer complaint received 2020-01-26
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: Experian Information Solutions Inc. (NJ)

the last 3 months a XXXX account is on my credit file that i don't know about. i need proof of it or removal of the XXXX account. 

incorrect addresses and inquiries
Consumer complaint received 2022-04-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I am requesting the verification of a negative item, in pursuit to the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ). You are required under the above named titled and section, to show your lawful authority to collected on an alleged debt claim ; I am requesting the following items LVNV XXXX {$780.00} XXXX {$780.00} The name and address of the original creditor A copy of the original contract between myself and the original creditor. 
The original application for this account with my signature. 
A copy of the agreement authorizing your company to collected on their behalf of the original creditor. 
FULL detailed accounting history on the account and the calculations on how they reached the amount owe. 
Provide verification on any judgments connected to this account. 
Provide your license to collect in my state and your registered agent name with their address. 
Please show proof that the Statue of Limitations has not expired in my state for this account. 
Provide the date of the last payment on this account. 

Please provide the answer to this request in writing within 30 days or I will be forced to take legal actions. 

Thank you for your cooperation, XXXX XXXX
Consumer complaint received 2022-01-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mar Joe Enterprises (LA)

I have been actively monitoring my credit for several years, because I am a victim of identity theft. I got notification that a collection account was added, and when I pulled it up, I knew it was not my account. It is for a facility Ive never even been to and is something like XXXX XXXX XXXX from where I live. 
I contacted the company, submitted to them my ID theft report and police report, and they still refused to remove it. 
I then contacted the credit bureaus and submitted the same information to them. My disputes have all been closed, and it just says that the creditor has certified the debt. 
It really makes no sense. Even if I do have to go to a medical facility, I have Medicare and Medicaid. I certainly wouldnt owe almost {$1500.00}.
Consumer complaint received 2021-06-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (OK)

I have been told numerous times that XXXX XXXX  is the owner not just the trustee on my mortgage, but I have a question, why did they not file with the county clerk until 2 years after the date of the assignment was signed? And now SPS is foreclosing on my home even after I made payments all of 2020 during a pandemic. With my mother XXXX from XXXX. I was the only designated contact and the only person who could see her in the hospital. And after 2 months of fighting, she lost her XXXX. I became a XXXX  mom, XXXX mom, and XXXX  for my father who also XXXX  XXXX. And the designated person for my mother 's care. But I never missed a payment even during a forbearance payment. My hours at work were cut as well. But now I have one week to attempt to find a home for myself and my XXXX children as a XXXX mother. My credit has taken a hit due to SPS reporting late payments over and over. So no one will rent to me. We will be homeless after 15 years. I have asked for a modification so that XXXX loans can refinance. But of course, it won't be in time. I am afraid my children will be home alone when the sheriff will kick us out and we will have nowhere to go. I have asked what the underwriting guidelines were. I have paid my mortgage and now I'm told I must pay $ XXXX to avoid losing a roof over my head. My intent is to keep the home.