davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I had a bank of America account since XXXX. Everything was fine until the pandemic. Last year in XX/XX/XXXX someone hacked/misused my account and a lot of microtransactions came into my account from google which does not belong to me. All the financial centers were closed and everything was remotely at that time. When I got to know that money coming into my account does not belong to me I contacted BofA to take action and I told them I don't know where is money coming from and it does not belong to me. Instead, of me helping me out and investigating they closed my account and issued an FDIC check ( reversed the payment back to XXXX ) and they reported to XXXX XXXX and XXXX XXXX by saying that does not open his account for 5 years. Now I'm not able to open any bank account and not able to apply for any credit cards. Me being a victim of fraud I'm trying to resolve this issue since last year and they are transferring me from one department to another. I went XXXX XXXX to ask for help they are not able to do that since the account is closed and they don't have access to it. So, every time I'm calling they are transferring me from one department to another spending hours on the call.I tried to open the account in other banks but it's not working due to BOFA reported to XXXX XXXX.
Consumer complaint received 2020-01-19
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ascendium Education Group (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2023-05-26
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: EQUIFAX, INC. (NJ)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (NV)

On XX/XX/XXXX I attempted to purchase an upgrade to my seats through XXXX XXXX. 
My credit card was denied despite having {$1100.00} in it. I received a text from my credit card company asking if this was fraud - I confirmed the charges and received a text stating my card was clear and ready to use. I attempted to use my card again for the same transaction at XXXX as well as pay for my monthly land mortgage of {$230.00} the card declined again. I called the credit card company and was told " I did not have enough money in my account that is why my card declined '' I spoke to a young lady named XXXX. When I proceeded to tell her that I had money in my account she told me my payments had not cleared when I attempted the transaction at XXXX. I advised my payment of {$500.00} and {$560.00} had cleared on XX/XX/XXXX and XX/XX/XXXX. She then told me that my account had numerous charges that had not cleared that were over the limit of the available funds of {$1100.00} - I advised that I could not see the charges and she replied that I did not have any available funds. This has happened to me numerous times with this company where I am unable to use my card. The young lady even went as far as saying I was check-kiting because of the back-to-back payments as a lawyer I find these to be pretty serious allegations, especially since I pay this card whenever I can to keep from being hit with extremely high-interest charges. I was told I had to wait 48 hrs for charges to appear on my statement I still have not seen any charges and I am still unable to use my card.
Consumer complaint received 2021-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (MN)

I paid off my mortgage with AmeriHome XX/XX/XXXX, at that time {$1500.00} was remaining in my escrow account at was to be sent to me via check. I called prior to payoff and after to confirm this information as well as reviewed on line. On XX/XX/XXXX AmeriHome mortgage disbursed {$180.00} in mortgage insurance AFTER my account was already paid in full. These funds should not have been disbursed to mortgage insurance they were to be sent to me as the account was PIF, no additional Mortgage insurance should have been paid. I received a check for {$1300.00} in escrow funds, it should have been the full {$1500.00}. I have called no less than 8 times in the past 2 months to try to resolve this matter each time being told different information, including they reached out to Ins to get the funds back, including that the check has already been sent to me, and now XX/XX/XXXX I was told none of these had been done, and that I would need to call insurance and request a refund. That is incorrect, first I have no idea who the mortgage insurance is through, secondly AmeriHome made the error!!! They disbursed funds over a week AFTER my account was PIF. I refinanced with another company, they have already paid any necessary Mortgage Ins. AmeriHome should have sent me a check for {$180.00} immediately upon notice of their mistake, and then worked to recoup the funds THEY SENT IN ERROR from the Mortgage company. It has now been 2 months that they esentially stole {$180.00} from me, so I expect that returned ASAP with interest. I have requested a manger multiple times, transfer around, hung up on, and told tons of conflicting info. I also tried to contact them via there website on the contact us now form and have not heard back.
Consumer complaint received 2022-09-19
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2021-11-29
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I submitted a credit dispute to XXXX regarding some negative accounts on my credit report on XXXX XXXX. I received an email stating that my results were available. After looking over my results nothing had changed and there was no information given to me on how they came to the information on my report being verified. 

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

On my credit report there is a collections account listed under the heading conserve collection agency. Based on the account information listed it states that I owed the XXXX XXXX XXXX XXXX {$2200.00}. Now I am never attended the XXXX XXXX XXXX XXXX or took any classes there. So, there is no way that I can owe XXXX any money. I disputed this information with the credit bureaus and asked them to provide to me there methods of verification to which they have refused to do so. This request was made more than a month ago through the CFPB portal and to this date they have failed to do so which is a violations of my rights under the Fair Credit Reporting Act as the law clearly states that the credit bureau should provide me with such information within 15 days of my request. If the credit fails to provide the information requested then such information should be deleted from my credit report. 
They have failed to provide me with there method of verification as it pertains to the account called Conserve been reported on my credit report. Due to the violation I can seek damages in a court of law for violating the fair credit report act. I recently filed a fraud affidavit with the Federal Trade Corporation so that this matter can be resolved.
Consumer complaint received 2022-12-09
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: AES/PHEAA (AL)

In accordance with the fair credit Reporting act XXXX  Account # XXXX, Account # XXXX Account # XXXX 15 USC Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-06-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CT)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (OH)

In XX/XX/XXXX we received a letter that we did not prove our Wind Insurance policy and that they were going to provide insurance for us and we would have to pay this. Our Insurance agent had been trying to get the payment for our policy. The mortgage company did not pay until it was over 3 months late. So we had to wait for a new policy to start in XXXX. Premiums were finally paid. 
XX/XX/XXXX we get another letter and we call again because this was finally handled. 
XX/XX/XXXX I get an alert that my mortgage payment is late from XXXX. I call because payments are made directly from my account to Loancare. I am told that my payment was not enough and so the payment goes into an account until funds are collected. My payment use to be {$2400.00} and I pay {$2800.00} each month a week before the due date. I speak to multiple people who can see what happened. They charged us for the lapse of coverage XXXX. We did not lapse the mortgage company did. We opened an escalated case # XXXX. We ahd to work with the insurance dept to get this resolved and with customer service to get our credit fixed and the payment. 
XXXX was out case XXXX and she did have our credit fixed and told me she would adjust the late fees as well. This did not happen. XXXX XXXX from the insurance dept has called me back every time he tells me he is and has kept me updated. He left a message on XX/XX/XXXX stating that this will be completed next week and he will call when it is finished. I get a letter in the mail and my credit was dinged again for being late. I have constantly paid the {$2800.00} which I was told to do since no one knows what my payment will actually be. I was told that they had to adjust the difference and fix our escrow in order to know the amount we should be paying. Today I spoke to multiple reps at LoanCare or XXXX and one was the collection department, which I told him I should not be in collections. He transfer me after an hour on the phone to customer service and after another hour going over the account, he is still showing I am a month late or missing a payment. My account has multiple payments then reversals and it makes no sense to me, however I know what has been paid out of my bank account. They told me a payment was returned, not sure why because I pay from my bank. I did have to go in a pay again on XX/XX/XXXX for XXXX. I now am told I cant pay online or over the phone because I am not in good standing for payments. I am also told I am a month in the rears, which is not true. XXXX waiting for someone to return my call again but I do not have much hope since after XXXX hours today no one could help. This company is the worse, I had to file a complaint when we refinanced. I have voicemails and phone conversations recorded showing they were working on this issue and was going to fix it.
Consumer complaint received 2022-07-25
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. (TX)

On XX/XX/2022, I sent a letter requesting that the Credit Bureaus reinvestigate the disputed accounts from my credit report as well as place temporarily remove or update these accounts from my report during the investigation period. As of this date, the Credit Bureaus have failed to respond to my requests. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$4700.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00}
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (OK)

There is missing credit card information on my Experian Credit Report. XXXX XXXX has claimed that they are reporting this credit card to all 3 major agencies. However, it does not reflect on Experian Credit Report. Experian has claimed that they have not received a report from this creditor. Experian launched an incorrect investigation claiming that I wanted a closed account updated. However, I was looking to have this account accurately reflect on my credit file. My file should reflect that I have {$1300.00} in revolving credit and not {$1000.00} this missing credit card ending inXXXX needs to reflect properly on the Experian Credit file. Please instruct both agencies showcase the missing information.
Consumer complaint received 2020-01-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MO)

HELLO, I HAVE BEEN WORKING WITH SPECIALIZED LOAN SERVING FOR 2 YEARS TO GET A LOAN MODIFICATION. MY HOME HAS BEEN IN FORECLOSURE SINCE XX/XX/XXXX. I SUBMITTED ALL THE REQUIRED DOCUMENTS FOR THE MODIFICATION. I DIDNT HEAR FROM THEM UNTIL A COUPLE DAYS BEFORE THE SALE DATE WHICH FORCED ME TO HAVE TO FILE BANKRUPTCY TO SAVE MY HOME THE FIRST TIME. MY BANKRUPTCY WAS DISMISSED, I AGAIN STARTED THE PROCESS OF THE MODIFICATION. I ALREADY HAD ALL THE DOCUMENTS EXCEPT THE UPDATED BANK STATEMENTS THAT I OBTAINED, AND SUBMITTED AGAIN. MY HOME DID NOT HAVE A SALE DATE WHICH MEANT I HAD ENOUGH TIME TO GET THE DOCUMENTS SUBMITTED, AND A DECISION. AFTER WEEKS OF WORKING WITH MY POINT OF CONTACT PERSON I WAS TOLD I ONLY NEED 2 DOCUMENTS WHICH I SENT OVER THE SAME DAY. I FOLLOWED UP 2 DAYS LATER TO BE INFORMED THAT THERE WAS NO WAY THAT THE LOAN WOULD BE APPROVED DUE TO THE TERMS OF LOAN. MY HOME DID NOT HAVE A SALE DATE WHILE IN THE PROCESS I RECEIVED A SALE DATE THAT ONLY GAVE ME 2 WEEKS TO GET THE MODIFICATION DECISIONED. I WAS TOLD THEY NEED 37 DAYS. WELL IF YOU GIVE A HOME A SALE DATE WITHIN 21 DAYS HOW WILL YOUR EVER HAVE 37 DAYS TO REVIEW THE INFORMAITON? THAT IS FRAUDLENT, AND UNFAIR TO THE PERSON WHO IS TRYING TO SAVE THEIR HOMW. I HAVE WORKED 2 YEARS ON GETTING MY LOAN MODIFIED TO FIND OUT 4 DAYS BEFORE THE SALE OF MY HOME THAT THERE WAS NO WAY FOR ME TO QUALIFY. THE MORTGAGE SERVICER SAID SHE WOULD LISTEN TO ME AND ENTERTAIN ME WHILE I CRIED IN DISBELIEF OF WHAT I HAD EXPERIENCED. SHE THOUGHT THAT THE SITUATION I WAS IN WAS ENTERTAINING AND AT ONE POINT LAUGHED. I FEEL THIS IS AN UNETHICAL PRACTICE WITH MORTGAGE SERVICERS NOT BEING TRUTHFUL, AND LEADING YOU ON, AND FURTHERMORE GIVING YOU THE RUN AROUND WHILE YOU ARE TRYING TO SAVE YOUR HOME. I AM FACING FORECLOSURE ON XX/XX/XXXX.
Consumer complaint received 2024-11-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Continental Finance Company, LLC (IL)

I noticed an unauthorized transaction that was debited from my account that I didn't authorize. 

I don't know who this company is and I definitely didn't authorize a payment by phone. I had to pay my bank for a stopped payment and this company should pay this plus other penalties as per law. 

I've never had an contract with this company in the past or present and they should be held accountable for taking money out of my account and saying I authorized it by phone. 

I had to find this company by an extensive XXXX search and I wasn't able to get any help. 

If they have done this to me, I can only imagine how many others feel victim and weren't able to get any relief.
Consumer complaint received 2022-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In accordance with the Fair Credit Reporting act XXXX  XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX # 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 an account without my written instructions
Consumer complaint received 2021-08-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America just decides that the law does not apply to them. They have violated many state and federal laws and I have a list of violations noted that I will discuss with an attorney if this account is not removed. They are reporting different dates across different bureaus, they have removed payment information and the account looks to be re-aged. I have submitted well over 10 total disputes to Bank of America, XXXX, XXXX, and XXXX  over about 18 months time. They say the information is " verified '' but that is impossible. If it was " verified '' they would see they are not reporting accurate or complete information, they would see they have deleted and re-aged payment history, and they would be able to provide me the information I ask for, but they have not. 

They have different account closed dates reporting for different bureaus, which means this information is not being reported accurately and complete as the law states. They are reporting different last payment history dates for different bureaus. They have completely taken away 2013 dates to re-age this account. They have holes in when they report so that they can re-age this account. 

All of these things are illegal and violations that warrant damages.
Consumer complaint received 2020-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Opened this account on XX/XX/XXXX - In XXXX I went out of the country and being that the card was only opened one month and the fact that I was away I mistook the due date and paid the statement balance in full ONE day late - was due XX/XX/XXXX, I paid it XX/XX/XXXX. 
They charged me interest fee - I called for a refund and they were only able to do a partial one of {$50.00}. 
I made sure the next month in XXXX to pay on time and the full balance but for some reason I saw ANOTHER interest charge - I called them as soon as possible and they explained that the late payment from XXXX affects me in that I get charged interest for 2 months in a row! After being transferred to a manager, he said there was nothing he could do. 
Today, XX/XX/XXXX I login to pay my bill at XXXX - 45 mins before due date has passed. The app and website show that the payment will only be processed as the XXXX - I called customer service and they advised its because their cutoff is XXXX! After speaking to a manager right away ( still before midnight ) I ask her to help me out as this is technically still before the due date and I hadn't know the rule! She says there's nothing she can do. 

These are my issues - I really hope you cam help