davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

The amount of XXXX was made on X/XX/2017 by me to the XXXX  accounnt of XXXXXXXXXXXX for a XXXX purse that she claimed she was selling. This account is her husband 's XXXX account. She told me to send money under friend and family because she did n't want to pay the fees. The order got canceled, I did not received what I paid for nor refunded even though I had asked for signature for confirmation. I have tons of proofs that this person was a scammer. I contacted XXXX, there was nothing they can do. I contacted Bank of America, they said there was nothing they could do because the way the payment was processed through my routing number and my checking number. I think it is not right how I got scammed for my money and theres literally nothing anyone can help me. BOA said if i used my debit card, it would have been a different story but how do I put my debit card info in XXXX. My card is linked with my account and thats how I believed it should be the same thing was used in XXXX. Please help.
Consumer complaint received 2017-08-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX sent a statement to Experian Credit that I had a contract for an account with them in XX/XX/XXXX. I have never made such an account. I wrote Experian to inform them of this, request investigation and removal. After 5 days Experian wrote back saying they performed the investigation and found it to be accurate and stated it would remain until XX/XX/XXXX. They did not send any of the documents to prove I made such an account so I could further investigate. It only takes all other seconds to establish a bad mark on a persons account but it takes minimum of three months to get false information removed.
Consumer complaint received 2017-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I have two loans that were serviced by XXXX/XXXX XXXX. Both loans are paid and full as they were transferred to a new lender XXXX XXXX and currently XXXX. My credit report shows 180 days past due and 120+ missed payments for two account which has a great affect on my credit score thus far. During the time of the missed payments I was not only enrolled in school at XXXX College, but my loans were no longer being serviced by XXXX XXXX. The missed payment dates that are listed on my report for accounts start at 0XX/XX/XXXX - XX/XX/XXXX for both accounts.
Consumer complaint received 2017-01-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MO)

I was sent a letter by Chase Home Finance stating that they was canceling the entire amount i owe on my mortgage loan and that I owe nothing more on the loan. I also was sent a copy of a Corporate Deed of Release from Chase that went to the City goverment for recording. I called Chase they told me I owe nothing else. I received several phone calls from representive of Chase telling me they made a mistake. Chase had been telling me all year that they made a mistake after sending me letters after letters of false hope while waiting a loan modification. At the same time they sent me the letter stating i did n't owe anything, they told me my modification was approved and that they reversed the cancelation of morgage dept. I have copies of all the letters sent by Chase this year including the corporate deed of release and escrow letter stating that I have XXXX in escrow and that they were sending me a check and later to be told that they made a mistake.
Consumer complaint received 2017-08-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (TX)

To whom it may concern, I am very upset at the treatment and information I 've been given in the last few days. Around XX/XX/XXXX I had someone contact me regarding a late payment. I agreed to pay the late payment at their request. I currently have two accounts with your company due on the same day. I called on XX/XX/XXXX to determine which account the payment would take care of. An agent explained there was no communication with me, there was NO PAYMENT SCHEDULED TO COME OUT. I called again, the next agent told me the same thing. I made a XXXX payment online since there was NO RECORD OF ANOTHER PAYMENT. Two days later my account was charged a second XXXX. This is extremely upsetting and sounds illegal. I spoke with a supervisor who said she could refund me within 3 weeks! This is unacceptable. She suggested I stop the payment with my bank and they should n't charge me. This was again, inaccurate information. XXXX charges a 30 stop payment fee. I chose to dispute the charges. I called your company AGAIN to ensure they would n't try to push the payment threw again. I was ensured by an agant it wouldnt. This was another LIE. My account was charged another XXXX dollar payment as well as overdraft fees and I am livid. I called back very upset. I spoke with supervisor XXXX, she was very unempathetic and repeatedly said I authorized both payments. I am at a loss of words for the lack of accurate information, customer service, and empathy I 've experienced in the last week.
Consumer complaint received 2017-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (FL)

I reached out to south west requesting validation in XX/XX/XXXX. They did not provide proper documentaion. In their response they stated they did not have to provide a contract. Per fcra anything other than a dated signed contract does not validate a debt. I responded with another request for validation and they did not respond back with requested items or to delete account from all reporting credit reporting agencies and to cease all debt collection tactics until this matter is handled
Consumer complaint received 2017-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

This is the fourth complaint I have made about this exact same matter. Please be more useful this time and do n't stop investigating just because Wells Fargo tells you to. For at least 2 years Wells Fargo has an open checking account in my name ending in XXXX. Wells Fargo opened this account without my permission or knowledge. This account has received thousands of dollars in deposits from a person named XXXX XXXX. Wells Fargo refuses to close the account and refuses to allow me access to the funds deposited. I have visited a branch and told them to remove my email and they put me on the line with someone who tells me that they do n't have my email address and therefore ca n't be sending me emails. They are lying. THE EMAILS ARE INDEED LEGITIMATELY FROM WELLS FARGO. Every email links directly to Wells Fargo 's legitimate website. The payments to the fraudulent account used to come from Wells Fargo XXXX. After XXXX was shut down the payments began coming in from XXXX. I have begged, pleaded and made multiple complaints with Consumer Financial Protection Bureau and Wells Fargo still refuses to close this account. Clearly, they do not respect or fear you. Please resolve this situation by either ( 1 ) forcing them to acknowledge the existence of this account and forcing them to close it, or ( 2 ) forcing them to give me all the funds that were deposited into this account since it 's opening AND then permanently close the account. See the attached emails for the latest batch of notifications I am getting for payments deposited to the fraudulent account. Be advised that over the past 2 years, I have complained about this same account to CFPB and made other emails available to you. The emails in this complaint are just the latest and not the entirety. This morning the account had 2 transactions for {$80.00} each deposited.
Consumer complaint received 2017-08-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

They are double charging me for an eviction from 2013. Account : XXXX XXXX & XXXX XXXX They are double charging us for an eviction that we received XXXX 2013. The apartment complex sold the collection to a third party which is Procollect INC. They are in turn trying to double charge us for Insuffcient Notice Penalty charges in the amount of {$1300.00} times two for a total of {$2700.00}. A lease termination fee in the amount of {$190.00} times two for a total of {$380.00}. Along with the other ludicrous charges of resurfacing the tub in the amount of {$170.00} and shampooing the carpet in the amount of XXXX. I say this because there was n't any damage with the tub nor the carpet, both were very clean upon departure and we also did a walk out with the leasing office along with a checklist and nothing was wrong. Both her and I signed off on it! We only stayed in the apartment for a total of 3 months. It clearly states charges for " XXXX ''! As highlighted! Rent was {$680.00} per month. And with all these fraudulent charges we now have a grand total of {$5400.00} owed. This is bogus!
Consumer complaint received 2017-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I was shocked when I reviewed my credit report and found a late payment on the date below : CREDITOR : XXXX/XXXX XXXX Account # : XXXX I was never late 30 days in the month of XXXX 2017. I have always made my payments to you when I received my statements. I am not sure how this happened. I believed that I had made my payments to you. My only thought is that there was a billing error with my statement.
Consumer complaint received 2017-08-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (LA)

Attempted to clarify the debt and the amount with XXXX XXXX and was not successful. The bill was with XXXX XXXX in the year of XX/XX/XXXX. XXXX XXXX is charging me an outstanding bill in which I do not owe. And have reported this erroneous amount of debt to all major credit bureaus in the amount of {$550.00} as well stating I open this account in XX/XX/XXXX, which is not true.
Consumer complaint received 2017-08-22
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (NC)

I went to a dentist and was offered the Care Credit Card I did n't know about a 6 month promotion or that the card had security on it that was {$50.00} per month. I made my usual requested payment and the balance got higher and higher along with the monthly payment. I have called them on several occasions closed the account had the card security taken off. All I can afford to pay is {$25.00} per month only for the services I received I explained this too them. I get call after call letter after letter.I stay on hold for hours and nothing is resolved. I will pay for the services I charged but not for the other interest and fees.
Consumer complaint received 2017-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (ME)

I received a letter reflecting enrollment in XXXX XXXX, in which I was charged. The account ending in XXXX is not familiar to me at this time, but your letter from XXXX, OR stated all information I list here. The letter stated a Customer Reference # : XXXX Your letter to me is dated XX/XX/XXXX and was received at my XXXX on XX/XX/XXXX. Your letter had no phone number listed in which I could contact you ( I see it is listed on this webpage, which was ridiculously difficult to find, even with the web address you listed in the letter ).
Consumer complaint received 2017-08-22
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: BB&T CORPORATION (IL)

I obtained a loan with XXXX XXXX XXXX XXXX for a vehicle that has now since been totaled. After the vehicle was totaled I was left with a balance. I have been paying on the balance until recently I have experienced a loss of hours at work. I acknowledge the fact that a balance is owed. Roughly {$810.00}. Since XXXX 2017, At least 5 days a week I begin receiving call from this company starting at XXXX XXXX. and at least 10+ calls a day from them. The constant calling still has not produced extra hours nor generated income to pay them.
Consumer complaint received 2017-08-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

XXXX XXXX XXXX started contacting me last Friday, XX/XX/XXXX. He first contacted my work number and told my broker he was from " XXXX XXXX XXXX '' in California and was trying to deliver legal documents. I called back and he said he was from " XXXX XXXX XXXX '' representing HSBC and if I did not pay a balance of {$6100.00} owed on an old credit card they would submit a lawsuit against me within 24 hours to the court house. I advised I had tried settling with the company in 2011 and there was no resolution. He called me again yesterday, XX/XX/XXXX at XXXX XXXX from XXXX and left me a voicemail stating to call him back or else he would move forward from what we had discussed. He did not leave a call back number, but did state his name " XXXX XXXX " in the voicemail. During none of our conversations did he state the calls were recorded.
Consumer complaint received 2017-08-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (DE)

This is the 2nd time I have applied for a loan modification from Ocwen. I also applied when my loan was held by the company before them. The sole source of income to pay the mortgage comes from the rental income received monthly. Unfortunately, since the day I purchased the house the market dropped. I am not able to sell the house for a price that would get me clear from the loan. The market rents have increased over the past few years but the rent doesnt cover the mortgage, the taxes and insurance for the property. I have struggled since the day I bought this property. I am beyond frustrated and feel that the lender is holding me XXXX because of the 8.625 % rate that is accruing on my adjustable rate mortgage loan. I know Ocwen Loan Services can make the numbers work for me and them if they would legitimately follow the guidelines of this program. I know that the Loan Modification was made for people like me who were victims of these mortgage brokers out for a payday. I know that I meet now, and have always met the criteria required of the Loan modifications. I need your assistance as soon as possible to get the Ocwen to help me lower my interest and my payment so I can afford my mortgage payment. Without your assistance, all the paperwork Im sending to them for this modification will go in the trashcan. To date, they do not respond to any of my questions they just continually keep asking for more and more documents. They wont return my calls but after they say they have everything that is needed nothing changes and they ask for everything all over again. I have been going through this run around for over three years. Please help, I was able to get my other mortgage company to do a modification on my other loan. I appreciate all your help in advance and look forward to your assistance in this matter.
Consumer complaint received 2017-09-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: U.S. BANCORP (TX)

The XXXX lady tried to stuff 2 products on me! A former finance XXXX and mark up 2pts on me! Soon to be charge back after I refi in 20 days! That 's bad business! One thing I never did! Stuffing customers and not actually selling the products! Worse experience ever!!! Know your personnel! And your customers XXXX XXXX was the finance Mgr XXXX XXXX
Consumer complaint received 2017-09-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

After looking over my credit report. I as of late received a duplicate of my credit report from the credit reporting agency. Which by the way is self proclaimed as being not only accurate and complete but also metro 2 compliant in the verification of their consumer credit reporting as detailed in the description of XXXX ( their web based automated verification process ) Their exact XXXX  definition ( per XXXX XXXX XXXX ) is that " XXXX is a web based metro XXXX compliant, automated system that enables data furnishers ( DFs ) and credit reporting agencies to create and respond to consumer credit ... ... '' Due to the reporting i noticed a late payment being reported by XXXX XXXX XXXX which I disputed with them on XXXX XXXX with tracking number XXXX in which they failed to comply and ignored my request after I disputed with the credit bureau and they failed to comply as well on an alleged DEROGATORY late payments DEFICIENT Of required proof of adequate federal reporting compliance namely metro XXXX and the FCRA standards XXXX reporting are certainly unlawful, unethical, and undoubtedly in clear infringement of my consumer and or civil court rights. Within the report I saw that there were late installments noted in the record history. Since I am somehow very defective in the matter as to HOW, WHEN, and WHY these late segments are notations within my credit worthiness! Puzzled! Left with no response that complies with metro XXXX. So I decided on enacting my rights to COMPEL, them as required to mandate the alleged data provider of the UNPROVEN derogatory suggestions of late payments to surrender to credit bureau as they surrendered to me an evaluation of my record throughout the life of the loan.
Consumer complaint received 2017-08-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Contacted Bank of America after being told I could never open an account. I was robbed have proof that supports my claim. I have gotten nowhere. My next step will be to have my lawyer file intent to sue letters, in which I will seek to have this resolved if not done so in a timely manner.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2017-08-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (NJ)

On XXXX XXXX, 2017 I received notification from the credit bureau about a past due balance of {$4200.00} for the breaking of a Lease by XXXX XXXX/ XXXX . I received no notification in the mail from either party. I received no right to dispute from the collection agency, and they immediately hit my credit. So I called the number listed on my credit report and spoke to a XXXX XXXX. After asking him to provide documentation of the debt, he raised his voice, told me I just do n't want to pay my debt and hung up on me. I called back and asked for his manager. She spoke to me in the same tone, however agreed to send me paperwork in the mail. Once I received the letter just stating the amount owed, paperwork from XXXX stating it would not be sent into collections until XX/XX/2017 ( paperwork which I have ) and a unsigned letter from XXXX stating the balance owed, I called XXXX XXXX back on XXXX XXXX,2017. I told him I will pay what I can when I received my bonus from work in XXXX. Flash forward to XXXX XXXX, 2017. I called XXXX XXXX to let him know I would be paying for the debt my next pay period with my bonus. He stated verbally the settlement amount was for {$2100.00}. XXXX XXXX called me on XXXX. I stated I would mail him a check for the amount of {$2100.00} and he told me that is no good. I have to pay by phone know in order to settle. That as of XXXX XXXX 2017 that settlement price may go up. I want to settle the account for the amount they told me and the only way I can pay is VIA check. I called back and paid and settled the debt. ( I have documentation. My credit should of never been hit. I have a letter from XXXX showing I had until XX/XX/2017 to pay the balance. It is now settled and it is still showing on my credit.
Consumer complaint received 2017-08-22
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. (GA)

I am a victim of Identity Theft, I have submitted a dispute to block the fraudulent accounts and inquiries, yet despite sending my supporting information according to FCRA 605b I have not been able to resolve the issue of reported items that are fraudulent. I would like an immediate block on all specified items according to the aforementioned congressional act.