davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In   XXXX   XXXX  , I received a notice from Bank of Americ a ( BofA ) st ating that my mortgage account is being transferred to  XXXX   XXXX   XXXX  (  XXXX  ) effective   XXXX   XXXX   XXXX  . No problem. At this point, I had an outstanding balance of {$7600.00} under BofA. In   XXXX   XXXX  , I received a statement from  XXXX  stating that I owed an outstanding balance of {$20000.00}. WHATTT!!!!! I wrote  XXXX  on   XXXX   XXXX   XXXX   disputing the outstanding balance. I received a letter from  XXXX  dated   XXXX   XXXX   XXXX   ( and received    XXXX   XXXX   XXXX     )  stating that I owed {$11000.00} for " property preservation ''. I do not dispute the " property inspection '' or the " property registration '' fees, even though I do not know why I 'm paying these fees. I am disputing the fee of {$11000.00} for " city/notice violation ''. This was the violation incurred by BofA when they did not list my property as foreclosed under  XXXX   XXXX   XXXX . I contacted BofA numerous times for them to pay this violation ( not incurred by me ) and they contact me via email on   XXXX   XXXX   XXXX  , stating that these violations were resolved. It seems that this violation is not resolved and I am being stuck with the charge.   XXXX   stated that I had to revolved this issue with BofA in order for this charge to be removed.  BofA  did not resolved this charge and I need your help to resolve this issue.
Consumer complaint received 2017-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I am corresponding to you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. O n   XXXX   XXXX   XXXX   this company recei ved a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report
Consumer complaint received 2017-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I became aware of a fraudulent department store credit account opened in my name on Friday,  XX/XX/XXXX because the department store called me to verify that I had opened a charge account online, and wanted to confirm that I had charged $ 600+ in merchandise before shipping it. I stated that I did not open an account, and that the account and purchase attempt were fraudulent.
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I went home and placed a fraud alert with the major credit bureaus, and I subsequently obtained and reviewed all of my credit reports.
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I found an item under the " soft inquiry '' section of my report that was disturbing : an item indicating that I had accessed my own credit report via the agency 's interactive site on   XXXX  , but I did not access my report on that date. When I called this credit agency, the Fraud Department told me I had to speak to the Interactive division, and the Interactive division told me I had to speak with the Fraud Department, and also told me that they can not access any additional information about the source of the fraudulent consumer inquiry in question that I did not initiate.
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Obviously, if there is a logical explanation, I 'd like to know. Given the recent fraudulent department store account, it 's very frustrating that potentially, an unknown party posing as me, obtained my credit report. I 'd like to what this inquiry is, and if it is fraudulent, and how to prevent it from happening again, and how to keep it from happening to others.
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And, perhaps coincidentally, the potentially false consumer request from the fraudulent person posing as me happened on  X/XX/17 . The date that the department store made an inquiry to open the fraudulent credit account was just 3 days later on   XXXX  .
Consumer complaint received 2017-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

USAA failed to put on their " home '' page of their website that they cater to military personnel and their families when it comes to applying for credit cards. I input my personal information on their website only to be informed that I was not eligible because I was not of military background. I spoke with a representative and requested that they disregard my information as I found their website misleading she stated they have to keep it. I told her the website needed to state on the " home '' page only military personnel and /or family members of military personnel are eligible to apply for a credit card. I want my information shredded and USAA to put on  their home page who is eligible to apply for a credit card.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NY)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this companys that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as trascation agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately! 

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Consumer complaint received 2024-08-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION (NJ)

Father held a HELOC with Truist Bank. After after his death Executor tried to contact bank by phone, mail, email, and in person to update records. Eventually filed paperwork in person at branch office. When trying to make payments on this loan, was told there was no paperwork to verify death and executor. Back and forth for three plus months. Told HELOC was in foreclosure and given an attorney/collection agency to contact. Somehow the bank accepted a payment in prior month - the bank was finally able to find the paperwork. They accepted the payment, but not the payoff as the Executor was not on the phone call. They provided another number to call. When this was called, they could not accept a payment and forwarded another number ( for the foreclosure department ). When this number was called an an attempt was made to pay this off, was passed on to an attorney/collection agency.
Consumer complaint received 2017-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (KS)

On  XXXX / XXXX /   2017  I went to use my  XXXX  Credit Card and was discovered my account was closed and turned over to a collection company and is now reporting as a charge off. I tried to contact  XXXX  and am not allowed to speak to them only the collection company. On  XXXX   XXXX  I accidentally  made two electronic payments. I placed a stop payment on one of them to avoid an overdraft and l et the other payment process through my bank. I notified  XXXX  of my Intentions on the  XXXX  to let them know what I had done. I have never been late with a payment and always pay more than the minimum amount due. The fact that I placed a stop payment should not have caused my account to be charged off as the other payment cleared my bank and was received before the due date and was for more than the minimum amount due. Now  XXXX  is reporting to all   XXXX   credit bureaus that my account is a charge off and non collectable. I have provided all if my bank transactions to them which shows I have never been late in t he two years sin ce opening this. I am asking they remove this from all  XXXX  credit bureaus as it is absolutely not accurate if my payment history.   If you need a copy if my bank statements I would be happy to provide y ou with one
Consumer complaint received 2017-05-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: North Shore Agency, LLC (CA)

Disputed Debt .... I do not owe  XXXX  or NSA who is now trying to collect a bill I Do Not Owe. I do n't owe not One Cent..      Fraud and Extortion ... I cancelled the services after My Bundle was broke up with a New  company  XXXX . Pay off  XXXX  and  XXXX . Started a new service with   XXXX   and   XXXX  .     I have requested to have this item removed and my good name restored. I have disputed this bill debt with  XXXX  and  NSA  in writing. They try to get me to pay something ...  XXXX  the first time,  XXXX  the second time. I told them i owe nothing ... .and i will be paying nothing.     I disputed this debt and owe no money. all services were paid in full. This fraud and extortion to obtain monies not owed. After i have been loyal and excellent customer for years.
Consumer complaint received 2017-05-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I received a copy of my credit report and noticed that Experian was reporting  XXXX  tax liens. I then sent dispute letters to Experian to get verification of these tax liens that are showing on my credit report. I received letters back from Experian stating that these liens had been verified. I immediately placed a call to the courthouses and verified that they do not report to Credit Bureaus so I requested the method of verification since Under FCRA , sec 611 ( a ) ( 6 ) and ( 7 ) I have t he right to request the method of verification from the credit bureau. And if they can provide me with the information they need to remove this tax lien.     I have yet to receive this information
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to formally file a complaint against XXXX University for the ongoing inaccurate reporting of late payments on my credit report. Despite my repeated attempts to resolve this matter, including contacting XXXX University and the credit bureaus several times, the issues remain unresolved. 

Here are the details of my situation : Creditor : XXXX University Account Number : [ Your Account Number ] Inaccurate Late Payments Reported : XXXX entries since XX/XX/XXXX In XX/XX/XXXX, I received a letter from XXXX University confirming that I do not owe any balance. However, they continue to report multiple late payments to the credit bureaus, which is causing significant harm to my credit score. 

I have disputed these entries with the credit bureaus ( Experian, XXXX, and XXXX ) on several occasions, but the inaccuracies persist. The continued reporting of these late payments is not only incorrect but also potentially violates my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, 15 U.S.C. 1681, Section 602 ( a ) states that I have the right to privacy, and 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) specifies that a consumer reporting agency can not furnish an account without my written instructions. 

The actions of XXXX University and the reporting agencies have violated my rights, and I request that the CFPB investigate this matter and help facilitate the correction of my credit report. I believe that I have taken all necessary steps to resolve this issue directly with both XXXX University and the credit bureaus without success. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and any assistance you can provide in rectifying this situation.
Consumer complaint received 2017-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (TX)

I was an  XXXX   XXXX   XXXX  customer for several years before, on their suggestion, I switched to their  XXXX   service ( after th ey had bought  XXXX   ). I kn ew I was moving in around a year, so I vehemently asked and asked about early termination fees, and was told I was n't subject to them because I was already a customer. I was required to pay some of the installation fees over the phone then. When technicians visited my home to perform the install, I once again asked about early termination fees and was not told of any. After they installed the equipment, and after they charged me the final installation fee, they then asked me to sign their agreement on their electronic device. I once again asked about early termination fees, and they said none.     Fast forward a year, I request to close my account because I 'm moving. My bill comes with a {$340.00} early termination fee. I disputed this with  XXXX  and  XXXX   XXXX   XXXX , wrote a letter to their Office of the President, and was finally told they would n't reverse the early termination charge. They even told me they 'd just draft the money from my bank account I had been using for autopay, even if I removed it from my account and after I, in writing, told them they were not authorized to draft from my account. They still tried.     I heard nothing for several months until  XXXX    XXXX   when they handed the account off to Diversified Consultants (  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , FL,  XXXX , (  XXXX  )  XXXX  ) who I never received any statement or letter of debt from, nor any phone calls. I would not have even known this was a " collection account '' if not for checking my bureau.     I do not owe this debt, I have reported it to the FTC for deceptive business practices and my  state AG. I will  be filing a lawsuit against both  XXXX   XXXX   XXXX  and  Diversified Consultants.      *Attached is a certified letter sent to  XXXX   XXXX   Office of the President  .
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2017-05-22
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: SYNCHRONY FINANCIAL (PA)

Synchrony Bank refused to open a 5 year C/D for me even though I am a long time customer who recently sold their home and moved. I wanted to invest the proceeds of my home sale. They said I have to wait 60 days. I do have a freeze on my credit report. Why should a credit report be required to INVEST money from a long time customer?
Consumer complaint received 2016-05-10
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: U.S. BANCORP (VA)

I applied for a credit card. I was given a different ( inferior ) card than the one I applied for an was told, " oh, well, you should use this other card for 6 months and then you 'll almost be certain to get the card you actually want. '' There are several problems with this : 1 ) The marketing was deceptive. I do not believe they had any sincere intention of providing the card that was advertised. 2 ) A card and line of credit was created in my name, without my permission. There is a section in the terms and conditions ( attached to this complaint ) that states that I may be automatically considered for a card other than the XXXX I am applying for, HOWEVER, it states only that I will be considered for the card -- not that I will automatically be provided with XXXX -- AND it does so only under the section " Notice to Ohio Residents '' 3 ) There was no indication when I received the card that I was at all different than the card I had applied for. The credit card company was trying to pass off the inferior card as the card I applied for ( see attached welcome letter ). I was also not provided with a notice of rejection and the option to receive a copy of my credit report ( since that was the basis for the rejection ), as is my legal right. 4 ) The whole process has caused damage to my credit score, not only from the initial inquiry, but also from having to close the unwanted credit card.
Consumer complaint received 2016-05-10
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BMO Bank, N.A. (IN)

I took out a XXXX mortgage line of credit a number of years ago through XXXX XXXX XXXX Bank. I paid every payment on time. XXXX XXXX XXXX Bank was bought out by BMO Harris Bank several years ago. The line of credit loan continued as it had with XXXX & XXXX Bank. I continued to make payments on time, never falling short even one time. In the fall of XXXX I received a letter from BMO Harris bank stating they were discontinuing this type of loan and called the note due in XXXX XXXX. Even though we were very ill prepared to refinance, we took the fall to attempt to prepare our home and our finances for this transition. I went XXXX Bank to secure a mortgage to pay off my XXXX mortgage and the note demand from BMO Harris. When our home appraised for less than we hoped, we had to shift to a XXXX and XXXX mortgage. 
We were able to secure a payoff on our XXXX mortgage with XXXX Bank. We requested and received a payoff amount from BMO Harris Bank, however after accepting our payoff check, they decided to add a very large fee and refused to release the note. I have contacted BMO Harris Bank several times in this matter and they insist on charging this exorbitant fee. Large businesses such as these have a big advantage over the general public. They can bully the average consumer like me since I have no resources to battle against them. I struggle from paycheck to paycheck while they simply expect me to fork over an additional {$900.00}. This is a predatory practice that should not be allowed. I have faithfully paid my XXXX & XXXX mortgage on time, every time to XXXX Bank since. 
I do find it very strange that a company that I never seeked to do business with now has a stranglehold over my life and finances. To a normal middle class working family, this seems mighty unfair. I would appreciate some intervention in the matter. 
Thank You XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2016-05-10
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I 'm with bank of america every time. I use my debit card the funds for that transaction are placed on hold. I had a transaction to go thru and the funds were n't there to cover it. I was charged {$35.00} since which cause everything processing to bounce and I received additional overdraft fees on XX/XX/XXXX. On XXXX XXXX I received and overdraft fee for my account which did n't have XXXX to cover a transaction all these are debit card purchases. I feel like a {$35.00} fee on XXXX is crazy when I was inquiring on how to file a suit I was referred to this site. So before I take any more actions I 'm going to see how this site helps
Consumer complaint received 2016-05-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: CCS Financial Services, Inc. (CA)

I bought XXXX auto insurance through XXXX because XXXX gave discount to XXXX executive member, which I have been a XXXX executive member over 10 years. Everything was fine for a few years until I switched my auto insurance company to another auto insurance company. XXXX started sent me letter saying I owed them {$100.00}, I called to find out they said they did not have any record of I was XXXX executive member. I followed the instruction faxing the prove of XXXX executive member to XXXX over 10 times, after I faxed I called to find out if they got my fax, they always said there 's nobody able to see if the fax went through! The customer service DEPT said I should just wait if I got any mail to either confirm or asking for payment. This process was back and fore for over two months and still I kept receiving the bill demanding for the {$100.00}. However, the last statement I received was from collection then I called the collection company, trying to explain my situation. I offered to fax my prove of membership to the collection agency. But they said this was not their responsibility and referring me to contact XXXX to correct it. But XXXX never response if they received my prove of XXXX executive member. The collection agency said their job was to collect the money for XXXX. It became a never ending story.