davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

- I contacted Bank of America 's ( BOA ) mortgage customer service on the XXXX number on XX/XX/2020, at XXXX XXXX - Spoke with representative XXXX - XXXX and I discussed COVID assistance options - After verifying my account she stated there was one option and that was a deferment - I agreed to enter in a deferment, XXXX stated " the 3- months missed payments would be added to the end of my current mortgage. '' - I was instructed to watch the mail for written correspondence of my arrangements, also that I would receive a phone call from the mortgage department to update my COVID needs closer to the end of the deferment period of XX/XX/2020 - On XX/XX/2020, at XXXXXXXX XXXX, I received a call from XXXX of the mortgage division - XXXX stated " You are not eligible for deferment so you were entered into a forbearance. '' - I explained, I never agreed to a forbearance, in fact the only option discussed was deferment, which is what I entered in with representative, XXXX. 
- On XX/XX/2020, at XXXX XXXX I wrote the CEO of BOA, XXXX XXXX - On XX/XX/2020 at XXXX XXXX, I received an email from XXXX XXXX a resolutions specialist - I called Mr. XXXX on XX/XX/2020 at XXXX XXXX and again on XX/XX/2020 at XXXX XXXX, he returned my call XX/XX/2020 at XXXX XXXX - During the call he acknowledged that incorrect information was provided during my initial COVID assistance call, he states, FHA offers 4 options, we discussed those options and I communicated the options are not favorable and place my household in a further financial bind - I restated, that I was offered deferment not forbearance of my loan. I communicated had those options been disclosed, I still would not have opted for a forbearance of my mortgage - I expressed that I planned to escalate my complaint, and that I felt this was a bait and switch situation - I question, where were those guideline during my call in XXXX? XXXX, never mentioned anything about my loan type affecting my COIVD options. 
- Mr. XXXX states, this is out of BOA 's control they must follow FHA loan guidelines. 
- We plan to touch based on either Friday, XX/XX/XXXX or early the following week - I contacted FHA 's resource line XX/XX/2020 at XXXX XXXX, spoke with XXXX - XXXX states BOA is the lender/servicer and FHA only provides loan guidelines - The HUD website ( https : //www.hud.gov/sites/dfiles/SFH/documents/COVID-19HomeownerHelp.pdf ) tells mortgage holders to contact the mortgage company or servicer, yet they are providing false information which further impacts the finances of millions of Americans
Consumer complaint received 2021-02-22
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. (SC)

I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2020, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.
Consumer complaint received 2021-03-02
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. (TX)

I have been disputing with the bureaus since XX/XX/XXXX inquiries that I never approved of. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I sent another letter to each of them, demanding they delete the inquiries that I did not authorize. Today is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2020-06-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

XXXX XXXX I started refi with Amerisave. They gave me a quote on 2.75 % and said they could close in 2-4 weeks. I tried to communicate with the loan processor via phone, text and email. No response. Next thing I know I got an email my refi app was cancelled. I gave them {$500.00} up front. The loan processor or the general phone vm did not respond so I spoke to the original person. He said my app was closed because my home was up for sale. I asked for proof because my home was not up for sale. He said he would take care of it. It took over a week and then they wanted me to sign docs within 48hrs. I had questions and asked for a response to sign in 48hrs. They never locked in my rate and tried to have me sign paperwork saying my rates were floating and all my fees could go up. This was not what I agreed upon when I gave them {$500.00}. There was never a response to my questions and now Im asking for my {$500.00} back. No response of course. I have stellar credit and no debt.
Consumer complaint received 2020-06-23
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. (LA)

XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to XXXX, XXXX, and Experian. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard from these companies.
Consumer complaint received 2020-06-23
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TD BANK US HOLDING COMPANY (KY)

XXXX XXXX, XXXX contacted XXXX XXXX and proceeded to ask him if he knew XXXX XXXX. The guy stated that she had a credit card with Target that she owed {$810.00} on and that the debt had been sent to collections. I do not know how they got XXXX XXXX XXXX name nor his phone number and they should NOT have shared personal debt information with a third party. This is a violation of FDCPA, data protection and my privacy.
Consumer complaint received 2020-06-23
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2023-02-06
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: U.S. BANCORP (CA)

My business several months ago started receiving large amounts of SPAM that is obviously the result of our PPP loan and discharge. The spam uses my business owner name and business name and offers " business loans '' using deceptive emails and directing to deceptive websites. Unsubscribe requests are not honored. 

I get 2-3 of these emails every day, and frequently from the same small group of companies that are likely spamming every single business that got a PPP loan XXXX 

The most recent email claims to be from a " XXXX XXXX XXXX '' which is the name of an actual bank that was merged into US Bank in XXXX, but which no longer exists. The address used is a XXXX mailbox and office-sharing company. I believe it is illegal of a non-bank offering loans to even use the word " bank '' in its name. 

Full email copied below : XXXX, I wanted to reach out and let you know that we are back to offering our term loan products due to the high demand from our current portfolio. In the past The XXXX XXXX had applied for a line of credit with one of our subsidiaries, so I ran a quick credit analysis and wanted to push out an offer in the amount of {$180.00}. 
The business loan is good thru XXXX XXXX and can be activated at any time. Since we offer a variety of business loans I would suggest you call one of our loan officers at ( XXXX ) XXXX to discuss the best structure for any upcoming projects. 
If you want to take a peak for all current available offers The XXXX XXXX would qualify for, click here on your custom portal. 
Should you decide to reply via email please state the dollar amount request so I can have the appropriate person reach back out. 
Sincerely, XXXX XXXX | Chief Credit Manager Phone : ( XXXX ) XXXX Email : XXXX If you no longer want to hear from us, click here to Unsubscribe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX
Consumer complaint received 2021-01-03
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: U.S. BANCORP (CA)

On or around XX/XX/2021, I received an unsolicited usbankreliacard debit card. Looking online, it appears it is unemployement compensation. I tried calling the number on the card, but they do not answer. I submitted a fraud form to the bank via email ; however I am concerned the bank will not notify the state ( unidentified ) that is paying out the unemployment claims. 

As a taxpayer, this kind of fraud is disgusting. I want you to know how easy it is to scam state governments! Please help the USA and its taxpayers from this XXXX.
Consumer complaint received 2020-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL (CT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX violated federal law, by not properly investigating within the required time frame, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will now result in a small claims action against your company. 
Synchony Bank account was discharged in Chapter XXXX. 
Date filed XX/XX/2017. Judge XXXX XXXX XXXX. Debtor ( s ) was dismissed XX/XX/2017 In which your company is well aware of. As to date you have tried to collect a debt
Consumer complaint received 2021-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A. (AZ)

This was a closed account at XXXX when PNC took it over. I had made a compromise agreement with XXXX to pay a balance on a closed account under their terms and at a lower interest rate. XXXX did not allow me to pay online, so I mailed all payments when required. The minimum payment for the last few months have been {$13.00} or {$14.00}. When PNC took over the account, they raised the minimum payment to {$27.00}. I called the bank and after a XXXX hold, a representative named " XXXX '' told me that I had been mailed a notice of the change in terms by PNC. I do not believe PNC can change the terms to which I agreed with XXXX on a closed account. I understand that if XXXX could force me to mail checks to Alabama, PNC can probably force me to mail checks to Pennsylvania, even though this costs both of us more money. But it would be nice if they were more customer-friendly.
Consumer complaint received 2019-12-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CO)

So This person told me she can transfer me tickets but had to pay her by paypal but never send me the tickect for a concert. She send me a picture of the tickets and it looked real cause it was by the website. She block me off in XXXX and got {$100.00} from me. So she scam me. And I would like to cancel that or get a refund.
Consumer complaint received 2020-01-25
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. (SC)

I've been a victim of identity theft. My information was expose in both the Equifax breach in XX/XX/XXXX and when South Carolina taxpayers were exposed after a server at the state 's Department of Revenue was breached in XX/XX/XXXX. I've noticed several accounts listed on my credit report that I was not aware of nor did I open or benefit from. PLEASE ACCEPT THIS COMING FROM ME, MYSELF, I WILL ALSO MAIL IN COPIES WITH MY SIGNATURE VIA CERTIFIED MAIL.
Consumer complaint received 2020-01-25
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the identity theft affidavit. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX   XXXX B U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXXXXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX DEPT OF ED/XXXX   XXXX XXXX DEPT OF ED/XXXX  XXXX B DPT EDXXXX XXXX B DPT EDXXXX XXXX DPT EDXXXX XXXX B DPT EDXXXX XXXX B DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX  DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

My name is XXXX XXXX. I've placed a prior CFPB complaints regrading my credit scores dropping acutely in XXXX of this year. I've been provided multiple answers to date regarding why this is. I was initially provided information that making a minimum payment in XXXX on my student loans was the driving factor regarding this. Essentially, this was the reason for my initial dispute/complaint. With that being said, further discussions with reps from the credit reporting agencies, my student loan service ( XXXX ), and the XXXX have revealed that this drop is most likely secondary to my student loans being placed into the government driven loan forbearance. Regardless, I am placing a formal complaint at this time challenging the accuracy of my current credit scores and the reflected drop in score that occurred in XXXX. My student loan service has provided that there is nothing from their end that would have resulted in this acute change. Discussions with the credit reporting agencies ( as well as pulling these reports myself ) would allude to my student loans being the culprit for the significant drop in my scores noted in XXXX.
Consumer complaint received 2020-06-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jon Barry and Associates, Inc. (NC)

I wasn't allowed to make payment arrangements. I explained that this occurred in the middle of the pandemic. Paragon submitted to all 3 credit bureaus before the 180 days requirement. 

The debt seems to be a co-pay from my insurance.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX, I received a call from XXXX XXXX about my Chase account ending XXXX, XXXX, XXXX, XXXX being moved to California from NJ  without my permission and a clear violation of my privacy and confidentiality. The branch manager is XXXX XXXX and district manager XXXX XXXX. 

My information XXXX XXXX and my XXXX kids XXXX, XXXX and XXXX XXXX - SSN, bank balances, account information was given to my ex-father in law XXXX XXXX, ex mother-in-law XXXX XXXX and ex-husband XXXX XXXX - we have been divorced on XX/XX/XXXX. We have ongoing criminal case for XXXX XXXX in the NJ court and disclosing my financial information to them is very detrimental to the life and safety of me and the kids. My entire financial assets are in Chase and breaching my privacy and confidentiality is a clear violation. 

This is a clear violation of my privacy and a breach of my confidentiality. I want my account back in XXXX NJ and restricted from viewing from any branch outside XXXX NJ. 

I would like to be compensated {$7500.00} for the trauma and stress endured by disclosing confidential information and PEI to XXXX and XXXX XXXX.
Consumer complaint received 2020-06-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (CA)

I had fraud on my target XXXX  card in XX/XX/XXXX after the issue of the fraud got fix than I notice theres huge changes on my account from not owing got to {$700.00} dollars and I made some purchases and made payment on XXXX and XX/XX/XXXX than in XXXX still calling to understand what is the sloppiness in my account as it didnt make no sense and why all my purchases for {$400.00} in XX/XX/XXXX that I purchased and returned by the store manager for XXXX one item was kept it went back as purchase and on that day XXXX XX/XX/XXXX I paid for the same items XXXX. XXXX which it was returned on XX/XX/XXXX and some random XXXX keep coming up on my statement several times as I was confused whats going did my best to get anyone to get help but nothing but run around silence, than in XXXX I got XXXX XXXX I called twice 2 different employees of target told me not to pay as my account under investigation as result I did make payment because I was told so first the account its not understandable waiting to get help on top of it in XXXX I realized target reporting me as missing payment how do I understand that called made payment of XXXX XX/XX/XXXX than than I made payment of XXXX per XXXX another target employee so I paid because I wasnt going anywhere today I want to get mortgage loan sure enough target reporting me on XXXX XX/XX/XXXX again as missing payment and I called to see whats the problem again XXXX supervisor told me she not going throu long as conversation you are XXXX  we not going to help you how is it my fault when I tried and paid something that I didnt feel its right and I didnt made decisions just not paying my bill with continued calls from XXXX to XXXX if XXXX seriously is that how target going to treat me after I been loyal customer never been late since XXXX all of the sudden Im late while Im trying to get help if Im in default I pay but to report me just because you refused to help me and giving me wrong information by target employees, Im still trying to understand my bill as how do I owe target such big bill and making me pay for something that was retuned, since I knew Im going to buy house I made sure I always pay my bills on time never be late sure enough my dream shattered due to big corporate selfishness and liar cheat and fraud target. Hopefully whom ever read this please help me as I never intent not to pay my bill specially in this pandemic why would you say Im XXXX without getting help. Moreover, I made two payments in XXXX XXXX XXXX and {$50.00} dollars on I believe XXXX XXXX but very very conveniently my XXXX dollar payment its missing as I paid cash in XXXX for both payments and so in XXXX or XXXX very very convenient. Greatly appreciate your prompt attention to this matter why target keep reporting me as 30days late. Thank you. XXXX XXXX XXXX
Consumer complaint received 2023-02-05
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. (MI)

n accordance with the Fair Credit Reporting act 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 a account without my written instructions