davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF HAWAII CORPORATION (HI)

I paid off my mortgage loan with Bank of Hawaii on XX/XX/2022. As of XX/XX/2022, XXXX : 1 ) NOT received written confirmation that the loan has been paid off, 2 ) NOT received the balance in my escrow account, and 3 ) NOT received a refund for an apparent overpayment of interest on the mortgage loan. Bank of Hawai has had use of my money- with no interest or other compensation to me- for 25 days now. I called BOH on Tuesday, XX/XX/2022 and asked about the money we are owed. Their attitude was pretty cavalier to say the least, saying it usually takes " several weeks '' for these kinds of refunds to be made. If that is indeed the case, then BOH is unfairly taking advantage of its customers and your agency and other relevant agencies need to investigate. 

On XX/XX/2022, we received the funds that Bank of Hawaii owed to us. However, as part of this complaint, please consider the following additional information : On XX/XX/2022 we received a refund of the funds in our escrow account in the amount of {$2400.00}. Bank XXXXf Hawaiis cover letter was dated XX/XX/XXXX 6 days earlier than the date we received it. Bank of Hawaiis check was dated XX/XX/2022. However, the loan associated with the escrow account was paid off on XX/XX/2022. Bank of Hawaii had the free use of almost {$2500.00} of our money for 27 days. 

Also on XX/XX/2022, we received a refund of the overpayment on the payoff of our loan in the amount of {$140.00}. Bank of Hawaiis cover letter for this check was dated XX/XX/2022 (!! ) Bank of Hawaiis check was dated XX/XX/2022 20 days after the date on the cover letter. As noted above the loan was paid off on XX/XX/2022. Bank of Hawaii had the free use of almost ( an additional ) {$150.00} of our money for 27 days. 

This practice harms all consumers.
Consumer complaint received 2021-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

Hello, I am asking for your help again in resolving a payment dispute that I have with my mortgage lender Chase ( XXXX XXXX XXXX, XXXX XXXX, LA XXXX ). The date and amounts paid are not disputed by Chase, to the best of my knowledge. 

The background to this ordeal is a couple of payments that were misplaced when my loan was transferred from the original lender to Chase, and a lengthy journey I had to make with Chase in order to find them. 

Over the life of the loan I have made multiple prepayments ( that is, a payment that is bigger than the monthly due payment ), which Chase chose to credit to the loan in arbitrary ways. One payment was credited as a regular payment with additional principal reduction, another was credited as one regular payment and XXXX installations of principal reduction, and one payment was broken into two regular payments, with additional principal reduction. I am providing this information as a background to the chaotic accounting of the loan which prevented me from fully tracking its condition. 

The series of payments that I am disputing occurred in XXXX and XXXX of XXXX. 
I have made the following payments : XX/XX/XXXX : A payment of {$4800.00} XX/XX/XXXX : A payment of {$60000.00} XX/XX/XXXX : A payment of {$4800.00} Chase chose to treat the XX/XX/XXXX payment as a regular payment, but broke the next payment of {$60000.00} into a regular payment and an installment of principal reduction, and then treated the XX/XX/XXXX payment as principal reduction only. 

When I noticed the error I contacted Chase. I spoke on the phone with a representative on two separate occasions and explained that when Chase chose to apply a payment in such a manner, it affected the loan because it allowed the bank to charge me an interest over money that I did not owe. This representative promised twice to correctly apply the payments as required, but failed to do so. When I called again and inquired about it, that same representative explained to me that I failed to designate the payment, and therefore Chase reversed the payment from XX/XX/XXXX, and chose to apply it instead in XXXX or XXXX of XXXX. My attempts to reverse that decision or speak to a more senior member of the bank failed. 

I will state again, even though it should be obvious, that the bank does not have the right to hold on to my payment on one hand, and charge me interest on my loan on the other hand, as if no payment has been made. 

I believe that the bank has unfairly charged me an amount of $ XXXX {$44.00} using this accounting method.
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  XXXX & XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX. 
Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX  XXXX Account # XXXX Collections : XXXX XXXX XXXX Account # XXXX Collections : XXXX XXXX XXXX  Account # XXXX Collections : 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 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report. I have reviewed my credit report and have identified several accounts that are inaccurate and do not belong to me. I request that you immediately remove these accounts from my credit report. 

XXXX XXXX, Account Number : XXXX It is not possible for this account to have a payment history as it is a charge off. I request that you delete this account immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX I have no memory of ever being associated with this company. I request that you remove this account from my file immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account Number : XXXX I have never had any business relationship with this company. Therefore, this account does not belong to me and I request that you delete it from my credit report. 

XXXX Account Number : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report. 

XXXX XXXX, Account Number : XXXX There is no record in my possession that this account belongs to me. Therefore, I request that you remove this inaccurate information from my credit report. 

XXXXXXXX XXXX XXXXXXXX, Account Number : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report. 

XXXX, Account Number : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report. 

XXXX XXXX, Account Number : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report. 

XXXX XXXX XXXXXXXX, Account Number : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report. 

XXXX, Account XXXX : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report. 

I understand the importance of having accurate credit information and I urge you to take immediate action to remove these inaccurate accounts from my credit report. I appreciate your prompt attention to this matter and look forward to receiving written confirmation of the removal of these accounts from my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-02-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have had a business checking account with Bank of America since XXXX. I applied for and received a first round of PPP through them. That was a horrible, fraught process filled with dysfunction. I approached them again beginning on XX/XX/XXXX to begin to apply for the second round of PPP, the deadline for which is XX/XX/XXXX. Despite repeated ongoing attempts over hours, days, multiple departments, escalations, local business representatives, " tech support, '' etc., the dysfunction is so complete that not a single person has been able to correct the problem. I successfully submitted the application and additional documents were requested ( six bank statements from my BOA account showing the disparity in 3Q income between XXXX and XXXX ). I am unable to upload these documents to complete the application. There is a problem with the login credentials I was given by BOA and there is no way for me to upload the documents into any kind of portal. My loan application is not associated with the credentials or login I have been given. Wherever it is, I am locked out of it and can not access it.No one has been able to fix this issue. No one cares. I need this fixed today to complete my PPP application. I have no where else to turn. I have kept a log of most of my interactions but at this point they are so extensive and horrific I am not going to waste further time enumerating them here. A few images them are attached.
Consumer complaint received 2022-07-04
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. (TX)

I am writing because I have recently reviewed my credit reports from all 3 credit bureaus. There were several discrepancies in the accounts that they are reporting. I have written to all 3 bureaus twice asking them to fully validate the reported information and remove anything that they can not provide an ink signed original contracts from myself and the original creditor that correlates to the collection accounts in question. With each attempt in contacting the credit bureaus, I gave them 30 days to respond. It has now been over 60 days, and each bureau has failed to fully verify the collections and provide me with all of the information that I requested. I asked them to remove each account if they were not able to verify them. The accounts have not been removed by either bureau. 

I have also reached out to each of the collection agencies requesting full verification including ink signed contracts from myself and the original creditor as well. I also asked them to provide me with information regarding their lawful right to collect without my consent, a copy of an agreement authorizing their company to collect on behalf of the original creditor, and a copy of their license to collect in my state and their registered agent name with their address. Neither collection company has been able to fully verify the accounts or provide me with all of the requested information. The accounts have not been removed by either collection agency. 

The companies are listed below : XXXX. XXXX XXXX : {$920.00} XXXX. XXXX XXXX : {$1700.00} XXXX. XXXX XXXX : {$530.00} XXXX. XXXX XXXX : {$1300.00} XXXX. XXXX XXXX : {$1100.00} XXXX. XXXX, XXXX : {$7400.00} XXXX XXXX XXXX XXXX XXXX {$4600.00} I wrote to the credit bureaus on the following dates : XXXX. XX/XX/2022 XXXX. XX/XX/2022 XXXX
Consumer complaint received 2021-02-08
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: AMERICAN EXPRESS COMPANY (TX)

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.
Consumer complaint received 2021-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-06-24
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. (CA)

In accordance with the Fair Credit Reporting Act 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 XXXXXXXX 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 state s a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Best Service Co.,Inc (FL)

CFPB + The Best Service CO/XXXX  On a recent check of my credit reports I see there is a collection/charge off account from The Best Service CO/XXXX  saying I owe a debt of {$4700.00} that I do not recognize. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract authorizing a third party like yourself to collect on this debt. 

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am requesting that you cease and desist from all collection activity pertaining to this account. 

You are only to contact me via the Consumer Financial Protection Bureau ( CFPB ) website so that we have documented proof. 

I am allowing you a period of 30 days or less to produce this information. If youre unable to validate the account, then you must remove the collection account from the credit reporting agencies. 

Enclosed with this CFPB complaint are : My drivers license that shows identity + mailing address This letter
Consumer complaint received 2021-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (MD)

When reviewing my credit report I notice that L.J. Ross Association is attempting to collect this allege debt. I never gave them my written consent to furnish these things on my credit report. This is defaming my character and violating my rights as a consumer. I have attached the copy of my invoice which is due within 10 business days on a 10 % fee will be applied. I have attached a copy of my ID & SSC & a copy of my identity theft report ( FTC-XXXX ). Below are the violations L.J. Ross Association is in violation of 15 usc 1692b ( 4 ) L.J. Ross Association is in violation of 15 USC 1692c ( a ). L.J. Ross Association is in violation of 15 USC 1692c ( 1 ) L.J. Ross Association is in violation of 15 USC 1692d ( 1 ) .L.J. Ross Association is in violation of 15 USC 1692d ( 3 ) L.J. Ross Association is in violation of 15 USC 1692eL.J. Ross Association is in violation of 15 USC 1692f ( 1 ) .L.J. Ross Association is in violation of 15 USC 1692g
Consumer complaint received 2022-05-02
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (OH)

I spoke with a supervisor and many of people in XXXX about the payment ahead that was lost everybody can see it on the screen and XXXX of XXXX but nobody can apply it but a supervisor. The supervisor said she put it towards my escrow that was a complete lie because it never was there in XXXX XXXX XXXX and so forth. So let 's just State for the record XXXX and XXXX in XXXX was who I went XXXX for {$44000.00} loan. They sold me to XXXX 's XXXX specialized Loan Servicing LLC in XXXX in XXXX I paid my first payment to them in XXXX I've been a payment ahead since XXXX before they even thought of buying my own or as XXXX and XXXX say they transferred me but it means sold but I guess I don't know what a dictionary is because it means two things sold and transferred. Now since I've been with them this is been a horrid XXXX nightmare I can tell you that much. I went through my general attorney got nowhere I have submitted a large package to the Consumer Financial Protection Bureau and gotten where I am right here today every bit of evidence was in there my check statements their statements taxes everything I canceled one check because I sent it to Texas it was for the escrow repeat for the escrow of this house I paid them {$3500.00} in escrow in the year of XXXX, which is twice the amount. Now I am getting complaints basically they're defacing my credit and this is just absolutely unacceptable and I am going to pay my own insurance because they can't even keep track of my payments I will start paying my own taxes in XXXX as well I've been here XXXX years and there's only {$6000.00} paid off on my house I think there's something extremely wrong with this picture people that is a fact and every time I try to call these people I get know where computer shares is in your guys 's system in the government is like XXXX companies they are all red flagged as do not deal with them XXXX and XXXX knew what they were doing when they sold me to SLS XXXX XXXX so no this is just this is wrong completely wrong to be sold to a another country third-party the whole XXXX yards and all I've done is sit in my house and pay my mortgage on time and even a payment ahead and I proved to you people in that envelope that I am still a payment ahead and I always will stay a payment ahead my bank statements were in there and my mortgage statements were in there these are the all the checks that I wrote them and the days that they wrote them on if I can submit the paper the pictures that I have and then of course it states on the XXXX XXXX XXXXXXXX that they sent me that I basically started the loan with them and that's a lie.
Consumer complaint received 2021-02-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST FINANCIAL BANCORP (IL)

In 2020, I opened an account with First Financial Bank under an active promotion they had that advertised a {$100.00} signup bonus to the customer and {$100.00} donation to XXXX XXXX upon meeting the requirements. The requirements were : use promo code " XXXX '' and have a direct deposit made to the account. I completed those requirements and never received any bonus. Repeated calls to customer service yielded a multitude of inconsistent responses ultimately refusing to pay out the bonus. I have a screenshot of when I signed up with the bonus stating full terms, however the bank updated their disclosures on their website after the fact, and are now referring back to the updated page to preclude me from getting the bonus. This sly act is eroding the integrity of this bank and I respectfully request that the bank pays out the bonus that was due to me.
Consumer complaint received 2022-05-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX is reporting lots of inaccuracies in my report. I have been sedning letters to since XX/XX/XXXX XXXX XXXX XXXX - XXXX Letter XX/XX/XXXX - XXXX Letter XX/XX/XXXX - XXXX Letter XX/XX/XXXX It is over XXXX and no response or report of investigation, i believe nothing has been done about it This is absolutely not acceptable. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within XXXX it gives a reason to immediately remove those items from my credit report. it has been over XXXX, so they should be deleted immediately.
Consumer complaint received 2023-03-14
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. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.