davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Michael & Associates, PC (CA)

I have a debt with XXXX XXXX. I had made a payment of XXXX, which they have refused to credit to my account. I provided a copy of my bank statement showing the payment and I provided them with the payment transaction number provided by the bank. I also have submitted disputes with the credit reporting agencies because the amount they are trying to collect from me is incorrect. They have refused to credit the payment I made. Now I have received a letter from Michael & Associates which claims that XXXX XXXX referred me account to them. They are trying to collect more money than I owe and are threatening me with legal action and judgment.
Consumer complaint received 2019-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MARINER FINANCE, LLC (FL)

On XX/XX/XXXX I was checking my credit report and noticed that a hard inquiry was made by XXXX XXXX on XX/XX/XXXX. I did not give them permission to run a inquiry on my credit report any time in XXXX. I took out a loan with them on XX/XX/XXXX that's the only time they had permission to run my credit. I have not giving them permission to run my credit again.
Consumer complaint received 2016-11-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America in XXXX XXXX, IL, will discontinue its drive-thru service on XXXX after reinstating it from a previous cancellation, following a deluge of complaints. I am a XXXX with a XXXX, which makes it difficult to stand in long lines. Online banking is not an option for me. They did not have a designated drive-thru teller, so no additional cost was incurred. This smacks of discrimination.
Consumer complaint received 2023-03-01
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. (CT)

U.S. - With out the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 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 .Accounts that violated my Rights US DEPT OF EDXXXX XXXX, US DEPT OF ED XXXX XXXX XXXX US DEPT OF EDXXXX XXXX, US DEPT OF ED XXXX XXXX XXXX US DEPT OF EDXXXX XXXXAll are in violation of my right to privacy and 15 U.S.C 1681 Section 604 A. Section 2 Reporting agency can not and doesn't have the right to furnish an account without my written instruction or permission or permission of a court of competent jurisdiction. Debt Collectors according to the law aren't allowed to threaten, harass, or publicly shame you.
Consumer complaint received 2023-02-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (KY)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (NJ)

I am writing to formally dispute the validity of the accounts being reported to the credit bureaus by your institutions and request documentation to support the legitimacy of these debts under XXXX XXXX. XXXX, which prohibits financial institutions from securing loans or discounts on the security of their own capital stock. As such, I am requesting that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX with a copy of the original instrument of indebtedness associated with the account in question, confirming that the loan or credit line was not issued in violation of XXXX U.S.C. 

Request for Proof of Original Instrument Indebtedness : I request that you provide valid and legally enforceable documentation, including a copy of the Original Instrument of Indebtedness, to confirm that the reported account was not issued in violation of XXXX XXXX. XXXX. This document should establish the authenticity of the debt being reported and prove compliance with this legal requirement.If XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX unable to provide sufficient enforceable proof of the original debt instrument, I request the immediate removal of the account from my consumer report, as mandated by the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX. It is your obligation under the FCRA to ensure the accuracy and fairness of the information reported, and without proof of the original Instrument of Indebtness, the reporting of this account is both inaccurate and incomplete. 

I request copies of all supporting documentation used to verify the accuracy of the account information. This includes any loan agreements, contracts, or financial instruments of indebtness that prove compliance with XXXX XXXX. XXXX the original debt instrument, the account is unenforceable.
Consumer complaint received 2020-05-26
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX, U S DEPT OF ED/XXXX. 
Company Inquiries 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
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC. (FL)

This company obtained by credit report without my permission on XX/XX/year>. This is a violation of my identity and I would like the inquiry removed from my credit report from all three credit reporting bureaus.
Consumer complaint received 2024-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My account was restricted and claim a sender of {$350.00} on XX/XX/year> and was refunded on XX/XX/year> sent a dispute claim and later was refunded since then I cant access my balance and withdraw from the account. Few days after I got an email that says my account will be closed and my balance will be transferred into my external account now it almost a week they didnt nothing about it yet. I called yesterday they said they will send me check of my remaining balance. How long does it take to got the check they wont answer.
Consumer complaint received 2024-10-22
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Bread Financial Holdings, Inc. (UT)

I have a Buckle account and the credit card for that account is with Comenity Bank, This credit card was previously paid off and someone called me and told me I was 30 days late for a {$22.00} payment and that was a {$22.00} late fee so I paid the {$44.00} dollars thru XXXX, and on my latest Credit Report it had dropped XXXX points. Is there anyway I could get that fixed? I have heard that other people are having this same problem with Comenity Bank, they wont answer my phone calls. I payed {$44.00} XX/XX/year>
Consumer complaint received 2019-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP (NY)

In the Fall of XXXX, my late husband XXXX mailed a check in the amount of {$14.00}, drawn on our joint Key Bank checking account, to XXXX XXXX of XXXX XXXX, for a reference book that they advertised. ( XXXX passed away in XX/XX/XXXX. ) Without our knowledge, the people behind XXXX XXXX manufactured checks with our account information and XXXX name. Over the following three years, a total of twenty-five checks were forged, all but two made payable to XXXX XXXX   and submitted for payment. ( One was payable to XXXX XXXX and one was payable to XXXX XXXX ). The checks were not signed, but had a stamp on the signature line that read No Signature Required. 

Key Bank accepted and honored the fraudulent checks, and paid out {$60000.00} from our account over a three year period. 

In XXXX of XXXX, I was contacted by the US Postal Inspection Service and was informed by Postal Inspector XXXX XXXX that {$60000.00} had been taken from the Key Bank account, and that two individuals have been arrested on federal charges for an elder fraud scheme run through XXXX   XXXX. 

According to a news report, USPIS Inspector-in-Charge XXXX XXXX XXXX in a statement said that XXXX and XXXX XXXX exploited victims by fraudulently using their bank routing numbers and bank account number to produce counterfeit checks. 

When my son XXXX contacted Key Bank, he was told by a manager that they considered that XXXX original {$14.00} check amounted to consent to their honouring all future checks submitted to the bank by XXXX XXXX.
Consumer complaint received 2024-10-22
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (NY)

Im not sure as to what actually happened, a car was repossessed and my name was put down involuntarily for a co-sign that I didnt know about. The other one I am aware of but they sold me a lemon, the car broke down not too long after I got it, thats why they repossessed the car. I tried to get a refinance or a refund but the company was not willing.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-10-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: TD BANK US HOLDING COMPANY (MD)

Companies involved in this wire transfer transaction are - TD Bank in XXXX and XXXX XXXXXXXX XXXX XXXX XXXX as an intermediary bank for sending the money to my bank account in XXXX. The transaction was initiated at a TD Bank in XXXX on XX/XX/year>. On XX/XX/year>, I received a receipt from TD Bank informing me that my account has been debited in the amount of {$30000.00} for the wire transfer. I waited for 2 & half weeks hoping that the amount must have registered at the beneficiary bank in XXXX. That was not the case. I contacted TD Bank for explaination, including finding out from XXXXXXXX XXXX  if the wire has been transmitted to XXXX. At that time I was informed that an investigation will be made to XXXX XXXX.I made follow up on two different times, 2-3 days apart for an answer. Each time, I am only asked to continue to wait because they have not received a response from XXXX XXXX. For about 2 weeks now since then, I have made follow up the TD Bank few times but getting the same response each time. At this point, I very anxious to find out 1 ), why has my money not reached my account up till now? 20. Why is TD bank not getting any response from XXXXXXXX XXXX? 3 ). What am I waiting on to get an answer and from whom? 4 ). How much long will I continue to wait without any idea of a response from anyone. Such is beginning to drive me insane. I honestly need help to find out the whereabout of my money. This is suppose to be a bank - bank transaction. Exchange of info in transparency should not be that difficulty, The money is for a project purpose in XXXX and payment for the month of XXXX is past due. Please intervene to solve this problem at your earliest possible time. THANKS FOR YOUR TIME AND ATTENTION.
Consumer complaint received 2023-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (MO)

On XX/XX/XXXX the XXXX percent intererst expired on my one of my balances. My balance was {$1100.00}. On XX/XX/XXXX, I paid {$1100.00}. Citi credited the payment to a different balance, under the same account, that has a 0.99 %. The XXXX percent interest that expired on XX/XX/XXXX was raised to 16.74 %. I agree, I would owe this interest rate from XX/XX/XXXX to XX/XX/XXXX, 8 days. Instead, Citi continues to allocate close to 100 % of all my payments to the balance on the 0.99 % balance. 

When I called Citi, the representative assured me the payments are allocated to the highest interest rate balance. For three months running, this is not true. 

From XX/XX/XXXX - XX/XX/XXXX, I have paid {$1500.00} to this credit card account. The balance on the high interest portion has been reduced from {$110000.00} to {$1000.00}. Citi has only applied {$63.00} to the high interest balance. On the high interest balance, I have been charged {$36.00} interest.
Consumer complaint received 2020-05-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Full Circle Financial Services, LLC (UNITED STATES MINOR OUTLYING ISLANDS)

XX/XX/2020 @ XXXX XXXX I got a call from XXXX with Full Circle. The number for the company is XXXX ext XXXX. I advised XXXX that he was calling my employer and I was not able to take personal phones calls at this number. He then asked me for a different number which I told him I would not provide to him. He then says that he will keep calling my employer to contact me about a so called debt I owed. I have never taken a service with this company before. I went to XXXX and looked up Full Circle and I can't find a website or address for this company. I think its a scam and I want them to stop calling my employer 's number.
Consumer complaint received 2015-03-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

Update ReportXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDear CFPB and Mr. President ObamaI have sent a complaint to server officials and received the same response from ASC every time. My mortgage Company ( ASC ) has sent the same papers repeatedly to you. The questions that were asked were never answered. 

1.Was I a victim of Predatory Lending? 

2.Was and am I being treated fairly? 

Those questions were avoided, with a hold lot of papers, on this is how the loan was given to ASC. Does anyone check into these situations to find out the truth or do we just bury it in more paper. I was referring to the XXXX loan. Not the collection agency/ mortgage company ( ASC ). I was expecting an answer. I do not have anymore money for a lawyer. They messed me up in papers too. My sister is on SSI. Since I made the complaint in XX/XX/XXXX. I have been sending papers to ASC to get this modification. Papers to prove my income, my sisters and my nephew income. The last paper ASC requested was a letter explaining what the abbreviation ( Allot ) on a pay stub meant, It 's allotment. I was promise a lower payment, not a lower interest on the same money. They would n't even refinance. That is why I need to know after 8 years of payments, if this loan was a loan that they anticipated to fail, and with all our saving with it. 

On XX/XX/XXXX, I was told that the modification was denied due to the fact that our loan only accepts XXXX modification pure loan. I asked why did they put me through 8 months of paper work to say that. Requesting all that paper work for what. XXXX XXXX XXXX said that we could reinstate our mortgage, put what I owe on the back of the mortgage, and start paying it. XXXX XXXX XXXX ( my worker ) told me that I have to pay {$50000.00} to reinstate my mortgage. I have to do a short sale or deed of lieu or just foreclose. XXXX XXXX stated that I ca n't be helped. I do n't qualify for none of the government loans or programs. I want to keep my home. This all started when the roof needed repairs and they refused, due to my one-month late mortgage. It does n't seem fair for a company to mislead you and leave you homeless after 9 years of payment and harassment. If there is anything else that I can do please let me know. 



Thank You for all you tried to do. 
If there is anything more let me know XXXX XXXX XXXX
Consumer complaint received 2019-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: URS Holding, LLC (ID)

XXXX XXXX XXXX  aka XXXX XXXX XXXX  and through their collector Alltran Financial , LP are and continue to use a letter which implies and purports to be from the original creditor, who is in fact NOT a participant to the collections activities, to collect a debt. 

They are also falsely/misrepresenting to all 3 CRA 's that I have an open account with them which I do not have. They have no authentic, certifiable data or account level documentation to support such a collection account. This false letter and documentation also apparently furnished to the CRA 's has held this consumer back from applying for credit as their open account falsely indicates the character and amount of an alleged debt. These companies can not and will never have certifiable, authentic and or a proper affidavit of account level documentation to pursue collections. Therefore they " parked '' said alleged unsupported debt on all 3 major credit reporting agencies to pressure me, a consumer, into paying them, in an extortionist like act, to make this go away. 

Numerous previous such violations have already been ordered to stop by the CFPB and others. Please also see the financial complaint I will file here or with the FTC as they are a financial institutions breaking the law.
Consumer complaint received 2016-12-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (AZ)

In XXXX 2016, I requested removal of PMI and was informed it would be removed after the XXXX payment. It was not. Then weeks later informed to submit an additional request. I did that and still nothing has transpired. Your customer service continues to tell me it is in process. The only requirement for my loan currently is it be under 75 % LTV which it is based on the appraisal you have already obtained yourself. No one can provide me with a reason as to why it has not been removed. I have been on the phone for hours with your customer service line and I am still on hold. 

I submitted payment today including PMI and expect that to be reimbursed to me.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

There is a woman with the same name as me, XXXX XXXX, that also lives in XXXX and has a similar birth date as me. Her BANK OF AMERICA accounts are consistently being reported on my XXXX accounts. 
There are currently XXXX credit accounts of BANK OF AMERICA that do not belong to me and XXXX XXXX answer the phone so I can fix this problem. Currently as of XXXX XXXX there is XXXX credit card reported on my experian for {$1400.00}, opened on XX/XX/XXXX and another BOFA account for {$2400.00} opened on XX/XX/XXXX which do not belong to me and are being reported on my account. 
This is not the first time this has happened, in XXXX I had to file a police report BSO case # # XXXX to find out that it is not identity theft but rather a mistaken identity, the police XXXX XXXX XXXX said It appears that errors were made by several organizations causing the mix up with your credit. After obtaining information via subpoenas from the XXXX XXXX, XXXX, and Bank of America. It appeared that the similarities in your name and date of birth with another individual caused the mix up. 

This needs to stop happening. Help.