davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XX/XX/2020 I made a payment in the amount of {$560.00}, through online banking, designated as the P & I monthly payment for XX/XX/2020 in the amount of {$430.00} and {$120.00} additional principal payment. These funds were misapplied as {$560.00} to principal curtailment. 
The first week of XXXX I emailed the mortgage lender to correct the payment, no response. 
XX/XX/2020 I had to hold for XXXX hour and XXXX minutes to speak to an associate on their customer service line, the representative had me on hold another XXXX minutes, in total over a XXXX hour phone call. I asked if they had done the reversal themselves versus opening a task for it to be done and they lied and told me that they had since it had been a XXXX minute hold for them to do it. They advised it would be correct within XXXX business days. 
I emailed again when this wasn't complete and received the below response on XX/XX/2020 : We received your inquiry pertaining to the principal payment applied on XX/XX/2020 in the amount of {$430.00}, intended to be applied to the XX/XX/2020 payment. We are in the process of obtaining additional information to address your service request number XXXX, which was submitted on XX/XX/2020. We appreciate your patience while additional information is gathered to further research your request and apologize for any inconvenience this delay may have caused. 
I called back again the last week of XXXX and held for 45 minutes to speak to a representative, I spoke with a male from Connecticut he told me it would be done in another XXXX business days. 
I called back again in the beginning of XXXX when this wasn't complete waited over half an hour got a rep XXXX on the line asked to speak with someone who could reverse and reapply the funds Panill id XXXX drop transferred me back into the main queue where I held another XXXX mins talking to XXXX XXXX who could not process the request and then I escalated to a XXXX XXXX XXXX XXXX who said he would escalate this as the task opened on XX/XX/2020 was supposed to be completed within 30 days and it was now past that time from. I waited another week and through online banking i can see the funds I sent were reversed on XXXX but still have not been reapplied to the XXXX payment, they have been sitting in unapplied / suspense since XXXX. I left XXXX a voicemail friday XXXX he never returned the call, I left another voicemail Tuesday morning XX/XX/2020, no response. Funds are still not applied. I have never paid my mortgage in the XXXX plus years past the XXXX of the month and I also can not make my XXXX payment until these funds are properly applied.
Consumer complaint received 2020-10-14
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. (OH)

This is account is not OPEN and the credit agencies will be held liable for this action by reporting INIACCURRENT information to my credit report. No activity has been going with account and payments have been made. This account should be reported as " CLOSED '' and the credit agencies are in violation of the Fair Credit Act 611. 

In addition, to that XXXX XXXX does not OWN this account and it was sold to another party, so how can they report " INACCURRENT information on someone credit report. 

LAST DATE OF ACTIVITY WAS THE LAST PAYMENT MADE. Where is that information? 

I will contact the Attorney General Office as well for assistance with this matter.
Consumer complaint received 2020-10-14
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ability Recovery Services, LLC (GA)

I called them telling them that I had been trying to get debt validation and they sent over printouts from when I attended the school the debt came from. I called them telling them that this does not show me how the amount is what it is. She said well thats all the University sent over. I said well you need to take it off my credit report if you are not going to send sufficient paperwork showing how this amount is owed because printouts of the work I did in the classes is not sufficient. She started yelling at me and cursing saying well the debt has been validated we aren't taking XXXX off your XXXX report then hung up the phone in my face. 
Ive been asking for this info for months and they only provided printouts of the work I submitted while I was at XXXX University but nothing validating debt. I do not owe any money to this school.
Consumer complaint received 2020-10-14
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. (FL)

I have made several requests via phone and mail to access my report online with Experian. Attached is my social security card, drivers license, and bank statement with proof of my address. 

I can not access my report online and no creditors can access/pull my credit report for potential credit.
Consumer complaint received 2020-10-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

the information that is being reported is cause by theft i have never applied for these accounts that is being listed.
Consumer complaint received 2020-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I have had this credit card since XX/XX/2008and have never missed a payment. I asked to be signed up for the online banking account in XXXX and spoke with someone on the phone to set that up. At that time I updated my email address but did not intend to opt into " paperless billing '' as the way that I manage my accounts is via paper. 

I received an email the first week of XXXX telling me that my credit limit has been dropped from XXXX to XXXX due to non payment on my account. I was astounded as I always pay my bills. I called BoA and paid my account in full and told them I never received a notification in my email that there was a bill ( and I have searched my email account and I didn't ... wasn't even in spam ). I asked that my credit limit be restored because this was an oversight and I have an excellent payment history. They said they would not restore the credit limit. 

Today I discovered that my XXXX checking account was overdrawn because Bank of America took not only my minimum payment but also the full statement payment from my checking account ( although I had a XX/XX/XXXXBALANCE ). I called and asked what happened as I had NOT authorized this. They said I did authorize it online ( I am not that old, but it must have been something that they automatically opt me into vs. something I chose to opt into ). Now they say it will take up to five weeks for a refund. So BoA has about {$3000.00} of my money, they have reduced my revolving available credit by XXXX and are completely unwilling to do anything to expedite it or consider returning my credit limit to where it was. Not to mention ... if I HAD opted into the auto payment of my account in the past ... how could I possibly have had a late payment last month? None of this makes any sense. 

I want to close my account but I can't do that yet because they took payment in two sets and I have to request the refund of the second amount 8 days from now ( why 8? I have no idea ). And I have to be the one to request this ... they won't just automatically refund me money that is a credit AND I did not authorize they take. They also said they won't return my annual fee because I " used their benefits '' already ( I don't consider using their service a benefit ... anything but ) I just can't believe how badly this company treats its customers and gets away with it.
Consumer complaint received 2020-10-14
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. (OH)

This is account is not OPEN and the credit agencies will be held liable for this action by reporting INIACCURRENT information to my credit report. No activity has been going with account and payments have been made. This account should be reported as " CLOSED '' and the credit agencies are in violation of the Fair Credit Act 611. 

In addition, to that XXXX XXXX does not OWN this account and it was sold to another party, so how can they report " INACCURRENT information on someone credit report. 

LAST DATE OF ACTIVITY WAS THE LAST PAYMENT MADE. Where is that information? 

I will contact the Attorney General Office as well for assistance with this matter.
Consumer complaint received 2020-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

Credence sent me a letter in regard to an account I had with XXXX XXXX XXXX. The account number was XXXX. When this account was closed and a new account was opened by XXXX XXXX XXXX at the recommendation of XXXX XXXX XXXX, I had a credit owed to me. The communication by phone call and the changes took place at the XXXX XXXX XXXX store by a representative and the store manager and the date was XX/XX/XXXX. 

From that time forward I was not able to access my old account online and I didn't receive anymore paper bills in regard to the account mentioned above. The only account I could log on and see online was my new account # XXXX. 

I placed several long phone calls to XXXX XXXX XXXX on XX/XX/XXXX and XXXX, XXXX. I still had not received the credit due to me. The first representative I spoke with disconnected me after being on hold for 2 hours. The second representative who I spoke with said I would be receiving my credit. She also said she sent me an email in regard to the matter which I never received. I spent many hours on hold with XXXX XXXX XXXX and then would be disconnected over the period of XXXX - XXXX. I never received a refund and in XX/XX/XXXX XXXX XXXX XXXX disconnected my WIFI stating I owed them money. I paid double several times on my new account because I thought my bank had made a mistake and didn't send my auto pay to XXXX XXXX XXXX. As it turned out I then had a large credit on my new account but I kept getting texts threatening to turn off my system. 

The first week of XX/XX/XXXX I received a " Final Notice '' threatening to send me to collections if I didn't pay an outstanding balance on my old account. The letter also stated not paying would impact my credit score in a negative way. My credit score is in the 700s and I always pay all my bills in full in a timely matter. I spent at least 12 hours on the phone with XXXX XXXX XXXX. I was repeatedly disconnected after questioning what was going on and other representatives said to ignore it while others just gave me a number to call. Finally one woman said she would write an email to resolutions and I would get a call from them within 48 hours. The call was two weeks later and all " XXXX XXXX said was that he didn't have any notes about closing the old account and then I was disconnected. 

On or around XX/XX/XXXX I received a collections letter from Credence in regard to a debt owed. Yesterday, XX/XX/XXXX I spoke again with XXXX XXXX XXXX asking for proof of service with this account and after 2 hours of being shuffled around I was disconnected. I then called Credence and spoke to two separate representatives over a period of 60-90 minutes and explained the situation and both of them said I needed to pay the debt and then talk with XXXX XXXX XXXX about a refund and then my credit score would not be compromised. These are not the exact words but a summary of the long phone call.
Consumer complaint received 2020-10-14
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY (TX)

Payment was reported 30 days late. This was due to COVID-19.  Furthermore, A payment arrangement was set up for a majority of the due amount so they were not supposed to report it late. because they put me on a payment plan due to covid
Consumer complaint received 2020-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

There is a fraudulent XXXX charge on my debit card for {$4.00} and it is nearly impossible to reach anyone at Chase 's customer service line. They apparently have used COVID as an excuse to not have anyone working anymore, also it is impossible to reach any local branches by telephone. I do not shop on XXXX and it is distressing to know you can not reach anyone at Chase to help in the event that your debit card has been compromised.
Consumer complaint received 2020-09-10
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Colony Brands, Inc. (IN)

XXXX XXXX was an account that I included in my Chapter XXXX bankruptcy in 2016. Since that time, on several occasions, they have been illegally reporting that I owe a balance on my XXXX credit report. This is not only a violation of the automatic stay, but has hurt my score tremendously.
Consumer complaint received 2020-09-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION (TX)

Starting a claim XX/XX/XXXX because XXXX charged double for an item. They refunded the double charge. I then returned the item and never received the refund for the return. Called XXXX havent heard from them. Called Simple bank dispute team and was told to make another claim on XXXX XXXX. Called XXXX XXXX and was told new claim was never made and the would have to reinstate the claim. Ive sent emails to disputes department with screenshots of the order return confirmation. Ive messaged support team numerous times and still have no resolve. I tired of the run around and will just like this to be taken care of.
Consumer complaint received 2020-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

A third party ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX ) fraudulently purchased my property with assistance from our Home Owners Association ( XXXX, XXXX, XXXX, XXXX XXXX  XXXX HOA ). I contacted my mortgage service company ( Rushmore Loan Management Services ) after I noticed the third party making unauthorized payments on my mortgage. I instructed Rushmore Loan Management Company to desist from accepting payments from third party purchaser pending litigation. 

Further, my loan was recently sold on XXXX XXXX by XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX ) to XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX DE XXXX ) After the recent sale, I requested from Rushmore Loan Management Company to change my loan account number, tied to the fraud. Changing the loan account will allow me to make payments to the XXXX XXXX XXXX XXXX. Rushmore has ignored my request to change account numbers and continue to  accept payments from third party purchaser.
Consumer complaint received 2020-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (MA)

People 's United Bank purchased my mortgage from the originator and began servicing my loan. When I contacted People 's to create an online banking profile to make payments, I was unable to do so until after my first payment because of the process to create an account online. I again had to call when creating the online profile because the information for creating the account was neither helpful nor intuitive. When I created the account they had my phone number listed incorrectly as my employer 's HR line so I removed the phone number and attempted to correct the phone number but was not allowed to do so online. When I called to change my phone number, the representative told me that I could not change my phone number with them on the phone or through the website and would need to print and mail a form. Furthermore, I was told that I could not make payments to my loan through the online portal unless I had a checking account with them, and that there was no way to make recurring electronic payments. The process of having an online account was a pointless runaround and my servicer will not allow for recurring electronic payments, which is not only extremely inconvenient but increases the risk that payments will not be made on time.
Consumer complaint received 2023-01-12
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. (TN)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX  XXXX Balance : {$18000.00} XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} XXXX XXXX Balance : {$870.00}
Consumer complaint received 2020-10-14
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (PA)

My wife is currently unable to work full-time due to our children being in hybrid schooling because of the covid pandemic. I reached out to Comenity bank because we are struggling as she used her unemployment due to a previous lay off due to covid she has very little income. They are refusing to help us at all with our payments, I have 3 credit cards through them, XXXX XXXX XXXX, XXXX and XXXXXXXX XXXX XXXX. They will not give any help. There is no way feasible at this time that I am able to pay these credit card payments at this time. I only asked for the one month we missed last month on both and the one we can not make this month, they will not help. This is unacceptable in times like this that they are so uncaring and heartless toward their customer 's.
Consumer complaint received 2020-10-14
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (FL)

This all starts out with XXXX XXXX XXXX and their Class Action Settlement for Predatory Lending with Multiple States earlier this year, XXXX. Within this settlement, it states that XXXX agreed to relieve loans and help repair the credit of individuals affected by their predatory lending practices. This was for auto loans placed between XX/XX/XXXX through XX/XX/XXXX. 

On XX/XX/XXXX the debt was sold to NCB Management Services. In any normal situation, this wouldn't be a problem. But because of the terms of the Predatory Lending Settlement, this debt should have never been sold or transferred to any collection agency, or debt buyer. This is in direct violation of the terms of the settlement which is to " help repair the credit of individuals affected by their predatory lending practices. '' Now, I contacted NCB Management Services by mail to dispute the collection and included a copy of the CFPB complaint against XXXX, as well as, a copy of the Multi State Class Action Settlement against XXXX and explained why they should cease all collection efforts and delete my file because this collection violates the terms of the Settlement. The letter was mailed XX/XX/XXXX. 

I also spoke with someone from NCB Management Services over the phone a few days after the letter was mailed and informed them of the letter as well. XXXX themselves also instructed NCB Management Services to cease all collection efforts after they received my complaint from CFPB. 

I received a notification on XX/XX/XXXX that NCB Management Services has reported a collection of {$12000.00} to the credit agencies!! 

Now, for me to dispute this collection and XXXX instructing them to cease all collection efforts and activities, then to still within a couple of weeks report this account to the credit agencies is a total violation of everything I mentioned in this complaint. To ignore my dispute and XXXX XXXX request is outright wrong!! Not to mention, this account should have never been sold to NCB Management Services in the first place!!
Consumer complaint received 2020-10-14
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. (GA)

THE ACCOUNTS/INQUIRIES LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2023-01-12
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. (VA)

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. Account name : XXXX XXXX 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 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.