davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My mortgage is held by Bank of America. My payment has always been {$1800.00} per month. In the month of XX/XX/2020 my payment increased by {$300.00} per month. 

I called, emailed and sent a written letter to Bank of America. 

I explained that my property taxes are {$4400.00} per year and my insurance is {$1200.00} per year for a total of {$5600.00} per year. The monthly escrow amount was {$460.00} per month which is enough to cover the yearly taxes and insurance. 

On XX/XX/2020 the monthly escrow increased to {$780.00} per month or over {$9000.00} per year. Thats {$4000.00} more per year than what is needed to pay my taxes and insurance. 

I spoke to a manager XXXX and explained there is a mistake made. According to this manager a computer determined my account will be {$1200.00} short in XX/XX/2020. In other words my escrow account will have XXXX dollars in XX/XX/2020. 

Bank of America has been taking {$460.00} out every month. Where did that money go? Whatever computer they used, someone put the wrong set of data in to get an accurate calculation of the Actual Needed Escrow Amount. There is a computer glitch somewhere and according to the manager XXXX Bank of America Will NOT Correct Their Error. 

Its simple math. If taxes and insurance equals {$5600.00} per year thats no more than {$500.00} per month. They should NOT be taking out another {$300.00} per month. 

Why did the computer not catch this last year or the year before? My monthly escrow was the same last year. My property taxes are the same as last year. My insurance went up a little, but Not {$300.00} per month. 

Theres something Wrong Somewhere and Bank of America is trying to sweep something under the rug. 

Ive had this mortgage for years. Every time they make an adjustment to my escrow they provide written details as to why. Now Im being told a computer projected my balance at XXXX in XXXX with no other details to account for how and where they spent the Escrow money. How many other millions of customers has a Computer made this mistake with????
Consumer complaint received 2020-03-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (CA)

I am writing to request your help with my case.TD BANK USA/TARGETCRED is reporting false and erroneous information to the credit bureaus. This is affecting me in a huge way. I sent them my dispute notice on XX/XX/XXXX and they did not even mark the account as disputed or run the popper investigation. The account I am writing about is the following : Account # XXXX-Date Opened XX/XX/XXXX-Credit Limit $ XXXX.Account Status! Closed This company has been committing multiple violations to the Fair credit reporting act. I am demanding a deletion letter from them.
Consumer complaint received 2020-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (NJ)

Hi, I have a closed credit card with JPMorgan Chase with an outstanding balance of $ XXXX. My employer filed for bankruptcy (XX/XX/20 ) and I am now on unemployment in the midst of the COVID19 madness. I called JPMC today ( XX/XX/2020 ) to inquire about options available to severely reduce my monthly payment including suspending interest given the COVID19 hardships I am suffering. 

They offered three untenable options : 1. Balance Liquidation Program : Convert to a 60 monthly repayment plan with interest rates STARTING at 12 %. There is NO prepayment penalty. ( My response : I would be willing to do a 60 month plan at zero interest. ) 2. 90 Forbearance : No payment required for 90 days but interest continues to accrue at 14.24 % ( current rate ). ( My response : 90 forbearance would be helpful but NO interest should accrue and no fees incurred. ) 3. Settlement : Negotiate a payoff of the principal w their starting offer at 90 % of the {$14000.00} balance. ( My response : I am willing but unable to repay at this time. As such, I do not want to write down a balance. ) Given that we are in a zero interest environment and in the early days of a global pandemic and approaching 30 % unemployment in the US, I believe that it is tone deaf of JPMC to charge interest rates that were relevant pre-COVD19. 

I had a great call w my mortgage bank who is allowing 90 forbearance and will revisit terms in 90 days. They were totally empathetic, the opposite of JPMC. 

Please help by suggesting a protocol for the industry for other consumers in the same situation as me. Thank you and stay safe.
Consumer complaint received 2020-06-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED, XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-21
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AZ)

All of my credit reports are showing XXXX ( XXXX ) 90 or 120 day late payments in the month of XX/XX/2019 for my student loans with " XXXX/Dept of Ed '', however, my student loans were in Administrative Forbearance from XXXX XX/XX/2019 and General Forbearance XXXX XX/XX/2019. Administrative Forbearance is a period during which payments to federally held student loans have been automatically paused or suspended and interest rates set to 0 %. I have included a of a correspondence from XXXX XXXX ( the previous student loan servicer ), dated XX/XX/2019, approving the Administrative Forbearance from XXXX XX/XX/2019 and General Forbearance XXXX XX/XX/2019 - again showing the Administrative Forbearance was backdated during the time in question ( XX/XX/2019 ). Notably, the approval did not occur until XX/XX/2019, nonetheless, I was approved for backdated the Administrative Forbearance from XXXX XXXXThus, it is legal and factual impossibility to be in default or have late payments during the period my loan was approved for Administrative Forbearance from XXXX XX/XX/2019. I had to apply for Administrative Forbearance and my application took time to process, however, my application was ultimately approved on XX/XX/2019, which included a backdated Administrative Forbearance from XXXX XX/XX/2019. The credit reporting agencies have accepted the response form the creditor that payment was late because payment was made during the application for the Administrative Forbearance, however, the Administrative Forbearance was approved and served to backdate the forbearance during the application process, as clearly demonstrated by a correspondence from the creditor, which is attached, and no late/delinquent notices during the months of XX/XX/2019, when I would have been 30 days late, and again XX/XX/2019, when I would have been 60 days late. It can not be said that an Administrative Forbearance was not effective in XX/XX/2019 when all XXXX ( XXXX ) delinquencies occurred, by the very language of the correspondence received from the creditor. Thus, all credit reporting agencies have completely disregarded the evidence I have submitted clearly proving the Administrative Forbearance was backdated and effective during XX/XX/2019, while accepting the creditor 's factually deficient and legally incorrect statements that payment was " late '' in XX/XX/2019 during a time that I was provably in Administrative Forbearance. 

In sum, the twelve ( XXXX ) reports of 90 or 120 days late is not only inaccurate because I was on Administrative Forbearance, it is predatory as it has completely destroyed my credit, despite the proper approval for the Administrative Forbearance.
Consumer complaint received 2020-06-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Hello! To whom it is concerned, I sent a dispute letter related to all recent inquiries that were inaccurate on my credit report to Equifax and they have not yet responded to me of any results are verified the information for me. I know for a fact that these inquiries are not accurate. Not only have they not responded to me within the 30 day window, but has not verified the information at all. Please have them to remove these hared inquiries immediately.
Consumer complaint received 2023-01-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: Bread Financial Holdings, Inc. (AL)

I've contacted these people seven different times concerning my money thats due to me totalling {$280.00} since XXXX XXXX, XXXX  and all I've recieved is one excuse after another. I don't owe them anything and they're paid in full! 

My last call was on XX/XX/XXXX with XXXX only to recieve more excuses and that she doesn't know why Bread XXXX hasn't returned me back my money when they were over paid. This is a on going problem with this company. I make my payments on time or before time never being late and want allow anyone to tallkes whats mines!!!!!! 

Bread XXXX wants their money on time or your charged a later fee. 
I want mines also with interest and will be asking the court just for that, if this matter isn't resolved! 
These people think they can talk to you any kind of way and when you give them back what they give you. They play crazy with a lies. 



This is fraud and my next step will be small claims court.
Consumer complaint received 2019-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

Bank of America - XXXX - is reporting a charged off account with a balance, but I didn't owe them anything because I paid them off back in 2017.. I never received anything from them since I paid them off. -- Then I find out that they charged an annual fee and I didn't know that they charged that and my account had been past due -because of their fee- when I finally found out the account was charged off already. I was transferred around and put on hold every time for 30 min. Nobody would help me try and fix the account. Nobody at Bank of America knows what they are doing. 
They had my address and information incorrect and thats why I never got a notice. But this debt is not valid and not mine. This account needs to be fixed because there is no way I am paying {$920.00} for nothing but their FEES!!! 
It was nothing I purchased. Nobody ever called me or anything to let me know my account was past due!
Consumer complaint received 2020-06-01
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NC)

I have been a long standing customer with Synchrony Financial and have several accounts with them. I have tried to contact them over over the past month to see if they would could help out lower my rates with the pandemic and did get assistance for my CareCredit  account that I have used for health care costs however, 2 of my accounts were randomly closed for reasons of my credit score being low when I have always been in good standing, made my payments on time and even had substantial credit available. One of the accounts is for Rooms To GO that I hadn't used for several years that up until XXXX of 2020 had a {$0.00} balance and purchased new furniture. Some of the furniture had to be returned and made a different choice which they had yet to reconcile the balance which says I have a negative balance. Now they closed the account saying I'm a risky customer when one they need to reconcile and afterwards would have significant credit available and always made my payments on time and greater than the minimum balance. The other account is a CarCenter One account with nearly {$1000.00} available in credit, always made payments on time. I tried to get my rates lowered and they stated I had the lowest rates and now the closed the accounts, saying the only way to reopen is to apply for new acccounts which would negatively affect my credit which is the same reason they closed the accounts, stating too many inquiries and too many balances. I feel this was unfair treatment of a longtime customer that has always made payments on time, asked for help during this timeframe of being in a pandemic, account not even been reconciled correctly to display the correct credit available while having more than enough credit available and now shutting them down. Now I'm afraid they will close the CareCredit Account which is something that I need desperately in case of an emergency for healthcare needs for these very same reasons which has not been close to the high balance and I've alway been in good standing. I plead that they do NOT close that account.
Consumer complaint received 2022-07-20
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. (NV)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX : XXXX XXXX Account info Account numberXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
Account numberXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. 
Account numberXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account numberXXXX XXXX  XXXX XXXX Account numbeXXXX Account statusClosed XX/XX/XXXX XXXX XXXX XXXX Account numberXXXX Account statusClosed XX/XX/XXXX XXXX XXXX XXXX  Account XXXX Account statusClosed XX/XX/XXXX XXXX XXXX  XXXX Account XXXX Account statusClosed XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX Account XXXX XX/XX/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 2020-06-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Hello! To whom it may concern ; on XX/XX/2020 I sent out dispute letters to Experian regarding a collection account that was not accurate or verified on my credit report listed as XXXX XXXX  ( XXXX  ) stating that I owe a {$0.00} balance and a loan amount {$1300.00}. This account is completely untrue and inaccurate and Experian did not even respond to me about the dispute. Not only did they not respond to me within 30 days, but they did not address this with me at all to let me know they verified it nor give me the documentation to prove to me that this is valid. Please have them to remove this item off of my credit report immediately. Thanks
Consumer complaint received 2020-06-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Opportunity Financial, LLC (VA)

My wife and I called Opploans on the evening of XX/XX/XXXX. She settled her past due account with them for XXXX. She immediately received an email confirming the settlement payoff. Since the pay off she is still receiving calls from the collections department on this account. While on that call we also attempted to take care of the loan I had with them as well and they said I could pay if off for XXXX due to Covid 19 hardship. So we gave them the debit information again and initially their system declined the charge. So we used another card and they debited XXXX from that account. After they received the funds they stated that they had no record and didnt get the money, so we immediately sent them a screen shot of the transaction. We were on the phone for over a hour with them and at the end of the call they stated that it was a system glitch, they were forwarding it to a manager and would call us back within 24 hours. We didnt receive a call so we called them, no one could answer the questions and keep saying they will escalate it. Our bank confirms that the funds were paid. We have called Opploans every day since that date and to date nothing has been resolved.
Consumer complaint received 2022-11-04
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: Convergent Resources, Inc. (TX)

XXXX - Return Order ( Order XXXX ) Label provided bXXXX XXXX - Tracking # XXXX ) XXXX XXXXXXXX - Equipment returned to XXXX via XXXX XXXX XXXX  using return label provided by XXXX XXXX - Letter to XXXX disputing charge - {$290.00} XXXX - Letter to XXXX disputing charge - {$290.00} XXXX - Letter from XXXX requesting payment - {$290.00} XXXX - Letter to XXXX disputing charge - {$290.00} XXXX - Letter from XXXX  " Final Notice. '' - {$290.00} XXXX - Letter to Convergent Outsourcing disputing charge - {$360.00} - {$360.00} XXXX - Accessed XXXX Report # XXXX XXXX XXXX Received letter from Convergent - claims to have " verified the information with the original creditor. '' - {$360.00} - {$360.00} XXXX - Email to Convergent disputing charge - {$360.00} - {$360.00} XXXX - Received phone call from Convergent - Asked them to call back in a couple of hours -- they agreed but never called. 
XXXX - Email to XXXX regarding their " response '' to XXXX. 
XXXX - Opened dispute on XXXX Tried tracking shipment -- XXXX could only track back 18 months. All they could tell me was that it had been delivered. Credit Score dropped almost XXXX points with this " collection. ''
Consumer complaint received 2022-07-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

First, I want to start by saying this has been the biggest nightmare trying to resolve the issue and get my finances and life back on track as far as opening a new bank account & defending my position through all of this. Along with being wrongfully accused and having no answers up until this point of reading articles about this case with Bank of America. 

The first letter received from XXXX XXXX in reference to my account closure was on XX/XX/XXXX, XXXX To sum everything up XXXX XXXX received a FRAUD claim from Bank Of America regarding multiple deposits from unemployment insurance ( XXXX ) all issued in my name and finally settled on seizing {$5300.00} from my checking account. They froze both of my accounts at the time during investigation for the duration of 14 days as well as my savings account and my grandparents whom I was listed as a beneficiary on. They then decided that all of our accounts were to be closed indefinitely all while any automatic deposits being made to the accounts would be frozen-as well and any funds, checks included- would bounce.. in which they did. 

XXXX XXXX nor South Carolina Unemployment - could not provide me with any information as to why this was happening or even who submitted the fraudulent claim as once an account is marked as fraudulent its out of their hands and could only tell me the claim was made by Bank of America, that the XXXX deposits were unauthorized and to contact SC DEW ( unemployment ) department directly. SC DEW department also had no answers for me as my account was always in good standing and they hadnt heard of anyone experiencing this- to the point they even suggested I be sure it was in fact XXXX XXXX contacting me and not a scam. 

In conclusion, XXXX XXXX closed all of the accounts and sent my grandparents a cashiers check with a letter of final closure as well as myself with a closure letter and notice of the final amount of {$5300.00} being seized and sent to Loss Prevention Closing Entry I even had to pay taxes on the full unemployment amount due to not having evidence it was in fact seized on behalf of SC DEW.
Consumer complaint received 2022-07-14
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. (FL)

I sent complaints # XXXX, XXXX, and XXXX on XX/XX/XXXX however it was already closed when I reviewed it. I am resubmitting my complaint to you today to inform you that there were erroneous items found on my credit report : XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt.
Consumer complaint received 2022-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (TX)

I have been trying to have the PMI from my mortgage loan removed since XX/XX/2022, and Dovenmuehle, who services my loan, has been providing me with misinformation, arbitrary dates, been unable to find my letter in the mail, claimed to have mailed me and faxed me information which never arrived, likely lost my appraisal that I paid for, claims to not received invoices/receipts that I emailed, etc. The list is so long that I've lost track of all the incompetence and lack of accountability. On my end, it just seems like they have been doing whatever they can, which is typically negligence, to not remove the PMI from my loan when I have in fact provided the necessary information that details substantial improvements to my home. I have spent hours on the phone with their reps, who provide me with arbitrary information, without any follow through on promises.