davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have a charge card with Bank of Ameria and I have tried to dispute monthly charges of {$24.00} since XX/XX/2021. Due to the fact that I have had health issues to deal with since XXXX, it is recently that I realized I have been billed monthly. I have called the company to dispute the charges and they did look into my claim and came back with I had to pay the bill. This past month I have been talking with customer service and I am not getting anywhere. They say it is a company XXXX XXXX. I looked into the company on line and it is a Fraud Co. I talked with a lady at Bank of America charge company and said she would look into it. I told them it was a fraud company and she said they would have to turn the matter over to the Fraud Dept. and she would send me another card. I haven't received the card and they probably haven't canceled my card. I don't plan to use this charge card company in the future. I had not heard from them and I called again this morning and after long delays, I talked to one man and he didn't get back to me ; another man came on and said the company was XXXX and he would look into it. I went on line and that company has a bad reputation. I have not received any products or services this company. I wish to dispute the claims on my charge card bill. Thank You.
Consumer complaint received 2016-04-06
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (NJ)

The due date on my credit card payment falls on XXXX XXXX, 2016, Sunday. Since it was a Sunday, I paid it on XXXX XXXX, 2016, Monday. That same day, XXXX XXXX, 2016 the credit card company charge me for {$25.00} late fee.
Consumer complaint received 2016-09-20
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SYNCHRONY FINANCIAL (AZ)

Synchrony XXXX has been charging me a " late fee '' of {$35.00} per month since at least XX/XX/2014. I was told by Amazon customer service that the " late fee '' is assessed because I pay to early. My due date for payment is in the last week of the month but I pay in the first week of the month. This does not make sense to mme and I want my monies back to included interest.
Consumer complaint received 2015-09-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NV)

Equifax is refusing to block fraudulent information on my credit file as legally required by FCRA Section 605 ( b ). 

They sent me a letter with the following statement : '' Please be advised that Equifax, at this time will not block the information subject to the submitted identity theft and Or police report you provided as part of your dispute. We are contacting each creditor directly to verify the account On your behalf. We will also forward a copy of documents you have provided to each creditor for their review. " I sent the, all required documents, including my ID Theft Report as detailed on XXXX. 

They are providing no explanation regarding why they have refused to block the information and placed all of the fraudulent items into their XXXX-day dispute process. This has been an extremely frustrating process and I do n't know how else to recover from this ID Theft.
Consumer complaint received 2016-03-22
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (SC)

I have a loan on XXXX vehicles with ally financial, in either of these loans I submitted payment online, and was n't sent or advised of any issues with the payment. Today, the repo man appeared at my house, as ally is well aware since providing my benefit statement as a part of income verification, I am a XXXX veteran. This complaint is based upon XXXX issues, first Ally to date has never provided a right to cure statement, which is a legal requirement, any production of such is a production to cover such non action, and false. Secondly I have a Mercedes Benz that I own outright in my yard, the repo man in error placed his jack under my owned car, not attached to this loan, raised my owned car, upon my XXXX, I rushed out the house, stumping my foot, and advised him to put my car down, and check the VIN number, which he complied, it was the wrong car.
Consumer complaint received 2016-01-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (GA)

On XXXX XXXX agent XXXX from Afni collection agency called us and tried to collect money, we told him that we dont want them to contact us by phone or mail because we are in no dept and the has is in dispute, this keep badgering us about we should pay them money, my wife told him that we are disputing this dept he still insist with the credit bureau we hang up the phone, my wife then check with the credit bureau 's and at that time she realize that this credit agency made report to the XXXX bureau 's within fifteen minutes of the conversation with them.
Consumer complaint received 2016-09-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

All credit bureaus have removed an open account People 's energy from my credit report without my permission which has resulted in a significant drop in my credit score and I believe it 's in retaliation to me contacting this office. I never mentioned people 's energy in any disputes with any of the credit bureaus.
Consumer complaint received 2017-03-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

TransUnion is reporting a dismissed Bankruptcy that is damaging my credit and opportunities of new credit as if the Chapter XXXX Bankruptcy is completed. I am XXXX and have been denied affordable and accessible housing with this as a factor. Credit has been refused because of this. When I contacted the agency they said contact courts they are responsible. I received a letter from the courts after inquiry stating that they are not reporting. This is already public record and they do not report to any credit bureaus. I am being penalized as if this Bankruptcy actually went through. I filed papers in XX/XX/XXXX/2011 and it was dismissed in XX/XX/XXXX/2011 due to my inability to follow through because of declining health and insufficient debt. I am receiving the same punitive treatment as if I had followed through and none of the forgiveness of debt or relief.
Consumer complaint received 2021-10-04
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/XXXX i contacted Capital One to update my payment history. Capital One is reporting inaccurate and incomplete credit information. The credit report from all three bureaus show a history of payment or payments being made late that are not proven and are incorrect. Furthermore, The Congress has stated Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By Capital One reporting inaccurate information without my written consent first, they are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974 ; Pursuant to all the facts I stated above, Ive forwarded written instructions as to what I, a consumer in fact, want removed from the my credit report as well as an updated payment history. I am demanding Deletion of inaccurate late payment history from all consumer reports and a Change of all payment history to paid as agreed or on-time I also DO NOT authorize any automated response or e- Oscar verification method.
Consumer complaint received 2016-06-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (IN)

Ally Financial is reporting me as being late on XXXX, XXXX and XXXX 2016. I have made my payments on time. I know I had late payments in the past but I have done everything I could to ensure I pay on time. This has to be an error in the system.
Consumer complaint received 2016-06-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion is continuing to report the accounts listed below in error. 
UNKNOWN CREDITOR ACCOUNT # XXXX This account does not belong to me. Please delete this account. 

XXXX XXXX ACCOUNT # XXXX This account does not belong to me. Please delete this account. 

XXXX XXXX ACCOUNT # XXXX This account does not belong to me. Please delete this account.
Consumer complaint received 2015-08-05
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIBANK, N.A. (NY)

I have a few checking accounts at citibank. They are linked. One is supposed to be a charity account. For various reasons I had to downgrade the account to basic package ( I work at a XXXX and they had a special deal with citibank that citibank decided to renege on ). On the phone when I was ordering the account downgrade i asked if i needed to keep their minimum balance in all accounts ( since my charity account is constantly being emptied out for charity ). The rep said on the phone " no, the accounts are linked. as long as the total in all the accounts is over the minimum, there wouldnt be a charge '' ... Sure enough, there was a charge. I 've been wrestling with them for 3 days trying to get them to reverse the charge and standby the statement of their phone rep. They are refusing.
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry.
Consumer complaint received 2022-08-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (CA)

Jefferson capital system llc XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has been sending me collection has been reported as pasted due balance. I do not know This company.this company does not have a contact with my signature.
Consumer complaint received 2022-02-14
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. (GA)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (PA)

Back in XX/XX/XXXX I was behind on my mortgage payment, I had a true hardship The amount owed as of my statement dated on XX/XX/XXXX was for XXXX. I went to a HUD approved agency I met with a housing counselor and they were able to assist me with reinstatement funds, the agency send a payment to Citi mortgage on XX/XX/XXXX for the amount of XXXX. On XX/XX/XXXX the check was returned back to the agency, they stated that they did not know what account to post the check to, the check was sent back XX/XX/XXXX and the check had the loan number circled, XX/XX/XXXX XXXX received notice from the foreclosure law firm that the loan was in foreclosure. and she was sent a reinstatement figure of XXXX with a due date of XX/XX/XXXX, XXXX was able to pay the amount on XXXX to stop the foreclosure, the agency never received the money hat they had sent of XXXX. I called Citi and they stated that the check was received after XX/XX/XXXX and that was the date that the foreclosure was filed. Called today and they can not tell me if the monies was posted on to my account
Consumer complaint received 2019-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (MI)

We deposited a check 42 days ago now the funds are still on hold due to a missing endorsement we have called and tried to get answers everyday and we only get the run around 42 days seems really excessive especially when they can not tell us what step of the process they are in or what their next action will be
Consumer complaint received 2015-12-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (OH)

We receive calls from this business for months. They do not leave any message, or reason for calling. Finally I called them by using caller ID. They are looking for someone I do not know, and they are a collection agency. 

I pay all my bills promptly, and do not deserve to be harassed for someone else 's debts. 

The collection industry is XXXX I have avoided for XXXX years. I do not want to hear from any of them ever. They are ruining my mornings. 

Why are they allowed to do that? The Do Not Call rules appear to give them permission. How come?
Consumer complaint received 2022-08-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I received XXXX credit cards in the mail from Bank of America that I NEVER applied for! XXXX was an XXXX XXXX XXXX and the other ; an XXXX XXXX. I received both cards in the mail out of the blue within a week of each other and each had at least a {$20000.00} credit limit! I called Bank of America and pulled my credit report to find that a XXXX XXXX  address was listed as my address and Ive NEVER been to Texas in my life! I have spent at least XXXX mins on HOLD, before I even get a representative, with Bank of America the last couple of days trying to get this resolved. Some criminal is trying to get credit cards in my name and Bank of America is failing to protect me from this happening. FURTHER, just yesterday ; XX/XX/2022 I get yet ANOTHER ID THEFT LINKED WITH BANK of AMERICA. I received a notification stating that I was denied opening a deposit account I also never initiated! Notice had info ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on it. I am currently back on phone WAITING ON HOLD AGAIN to speak to this banking institution after my previous call was disconnected after waiting on hold for XXXX!
Consumer complaint received 2020-09-01
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$890.00}, {$0.00}, {$8500.00}, {$430.00}, {$390.00}, {$740.00}, {$3500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$890.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$430.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$740.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account.
Consumer complaint received 2022-09-06
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. (NJ)

Asked for Method of verification of two accounts on my credit reports, XXXX, Experian and XXXX did provide me with the information I asked for. See attached information forwarded to the credit reporting agencies. XXXX, Experian and XXXX  continued to report the account without providing to me how they came to their conclusion that these account belong to me ( XXXX XXXX XXXX for {$1300.00} and XXXX XXXX XXXX for {$7200.00}.
Consumer complaint received 2015-09-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I filed bankruptcy XX/XX/XXXX and several debts that were discharged now show they were " charged off '' after the bankruptcy. My disputes for each account to the XXXX XXXX XXXX XXXX credit reporting agencies as well as attempts to resolve directly with the creditors have failed. Each agency and creditor refuse to correct the information and cite that it is " accurate ''. These accounts were not charged off prior to my bankruptcy. They began reporting a charge off after my bankruptcy. This results in each of the accounts being identified as derogatory with a charge off after my bankruptcy. This is a significant factor for lenders who review my credit report because they see accounts " charged off '' after bankruptcy which is misleading as to my credit worthiness. It is my understanding that the creditors may charge off an account after bankruptcy for their internal accounting purpose, but reporting a charge off after bankruptcy is a violation of credit reporting and bankruptcy statutes. I have sent correspondence multiple times, return receipt requested, with specific information that should be corrected. It remains in error and at this point they refuse to further investigate despite my repeated attempts. The credit agencies and creditors have also ignored my requests to provide their methods of verification after my disputes under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) ; it is my position that neither are unable to provide a method of verification because they are unable to do so. I have repeated the process of dispute when these charge off were reported after bankruptcy for each creditor that is reporting a charge off. Some are not only reporting a charge off after bankruptcy, they changed payment history to reflect a charge off prior to bankruptcy which is untrue. Prior credit reports show that the accounts were not charge off prior to bankruptcy. The credits retroactively changed payment history to charge off after bankruptcy. The creditors who are engaging in these actions XXXX. For example, all of these creditors are reporting that the account was charged off in XX/XX/XXXX -- -after bankruptcy. XXXX specifically retroactively entered charge offs prior to bankruptcy when accounts were not in charge off status.
Consumer complaint received 2016-09-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (NE)

In XXXX my father passed away and left the house that he had a mortgage on to me in his will that went through legal probate and the house was transferred to me through the courts. My husband and I never re-financed the loan into our names for we were not informed to do so it was my thought the mortgage would be legally put into our names by XXXX who at the time has the servicing of the loan. They informed us that we could do a loan modification and then after a few months told us that was not possible because we were not on the loan, then they suggested assuming the loan and again after a few months told us the at loan was not assumable. The Truth-In- Lending only states not assumable by a buyer, we were not buyers but legal heirs by law. Then my husband and I filed Ch XXXX Bankruptcy to avoid foreclosure by XXXX. Then it was sold to Select Portfolio Servicing , Inc, and we have dealing with them now for 2 years and getting the same run around. We hired a company to help us with reconstructing the loan into our names at a lower interest rate so that we could start making payments. We were not making payments for the mortgage was under a deceased persons SS # and we would not get the interest tax break. It was not for a lack of trying to get this loan into our names. Now SPS has set a foreclosure date for XXXX/XXXX/XXXX and will not postpone even though we received a letter on the XXXX or XXXX of XXXX telling us they have receive our inquiry and would be contact with us within 20 days of receiving the information which would be the XXXX/XXXX/XXXX. After speaking with a manager of SPS along with an analyst of the company we hired to help us with this we were told the sale was going forward on the XXXX and that the letter we received is a computer generated letter that is printed whenever data is entered into the computer that new documentation has been received. This is a deceptive practice on the part of the loan servicing bank and should be illegal. This gives the people facing foreclosure false and misleading hope. Even the XXXX the analyst with the company that we hired agreed. Our house is still for foreclosure on XXXX/XXXX/XXXX and SPS had the power to stop it to look over the documents and did not do so. This is wrong.
Consumer complaint received 2015-04-11
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Aqua Finance, Inc. (KY)

We bought a XXXX with the payment agreement to be with XXXX Finance XXXX Al. XXXXXXXXRe : ACCount # XXXXXXXXThe terms we agreed to were 6.90 % with payment for {$66.00} for the XXXX 12 months and {$100.00} for the remainder of the loan. 

As soon as the tub was installed we received a letter from XXXX Finance that they had transferred the loan to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Wi. XXXX XXXX is trying to charge us an interest 0f % 19 for the entire loan. We never agreed to this.