davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I made a mortgage payment on XXXX/XXXX/XXXX in the amount of {$2100.00}. Bank of Am. posted the payment. It cleared my bank on XXXX/XXXX/XXXX. For 2 years I have told the bank I was one month ahead on my payments from what they were showing. after fighting with them and getting nowhere, I requested a print out of my payment history from XXXX. after receiving the history, I checked every payment with my bank statements to verify each one. All checked out, However, the history showed that Bank of American posted my payment on XXXX/XXXX/XXXX, however they reversed the payment from my mortgage on XXXX. They did not refund me the money, the payment was not returned to my bank, I was notified that they did something differently with my payment other than what I have approved which was to pay a mortgage payment. 
I have sent certified letters and bank statements from my banker to Bank of America stating that the payments all cleared my bank. in XXXX XXXX, then again in XXXX/XXXX/XXXX. This still has not been resolved. At first they said they applied it to my insurance. ( this is not the case, and it was not noted on my payment history print-out that they send. ) Then they said they sent the funds back to the bank. However, they did not, their is not a deposit into my bank from them, or a check to me. and this is not noted on their history either. It is just shown that the {$2100.00} was reversed. 
Bank of America owes me the Payment of {$2100.00} Plus all back interest charged to me from XXXX/XXXX/XXXX to the date that they refund my money. Plus charges for the certified letters and statements that I had to pay my bank. And they should have to pay me for all my hours that I have put into this matter trying get their books straight. 
My mortgage has been sold to XXXX in XXXX XXXX. I have also copied them on all the correspondence and notified them that the payoff balance they have is incorrect. They have not done anything either to try and settle the situation.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-18
Product: Credit reporting 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. (FL)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2017-04-03
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Neighborhood Assistance Corporation of America ("NACA") (NY)

I was instructed to bring down money orders by a remote counselor with NACA to the XXXX office. While there, I was threatened by one of the counselors. At this time, I do not feel safe with the counselor and receptionist having access to my personal information such as my social security number, bank accounts, credit report, address, and children 's personal information.I requested from the District Manager to have my informational locked and secured in their system but he has yet to respond. I do not feel safe at this time with people who are threatening me who have access to my personal information. XXXX, the counselor who threatened me made it seem like he was going to do something with my personal information. I do not want to be a victim of identity theft and I do not want anyone having access to my bank account information to be stealing money out of my account. The staff at that office has been caught in numerous lies on voice recording. With these kind of practices, it leads me to believe they will use my personal information other than what it is intended for. NACA has several complaints online about the professionalism of the mortgage counselors which is what makes me feel like they do n't follow any ethical procedures. I do not want to risk any of my personal information.
Consumer complaint received 2017-03-08
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: Porsche Financial Services, Inc. (FL)

The Employer of XXXX XXXX pays all Creditor monthly payments as part of the employee agreement for salary ; disclosed to Porsche Financial as the income received to comply with the financial commitment for payment. In XXXX the office clerks paid two monthly payments from the wrong checking account and both payments were paid to the Creditor when the Bank advised that each payment was not funded to be paid. 
After the XXXX incidents the office clerks could no longer make a payment on the website, or by phone to the Creditor. The office clerks offered to send 5 monthly payments total of {$10000.00} ( pay in advance to XXXX XXXX ) by a Money Order or Cashiers Check by Overnight Mail and the Creditor refused to accept any payment on XXXX XXXX. Since every month that the office has tried to make payments all attempts have been refused and the Creditor wants the car back. I have the money to pay and I do n't want to damage my Credit by not honoring a financial commitment, I have not lost my job nor have I had a family tragedy preventing me from paying. Now the creditor does not want me to pay the amount due til the Lease Contract that ends XXXX XXXX, they want me to pay the total value of the car {$130000.00} plus about {$6000.00} for Attorney 's fees when I wanted and offered to pay they did n't need an Attorney who has claimed that I wanted to sell the car to an innocent person, the car was abused. I had to take the car to the Dealership and it was inspected and recognized that it was kept in a garage, clean, under the annual mileage of XXXX miles. The car has XXXX miles to date. 
The car is an investment for me I planned to purchase the car at the end of the Lease it is a Limited Edition of Porsche, it is a Targa XXXX. This is a rare model, I drive occasionally only. Please help me I want to pay all monthly payments that I owe to have my account current and they will not accept my monthly payments. monthly payments to pay to bring account to current status is from XXXX XXXX to XXXX XXXX is {$18000.00}. 
Please help me with the car and my credit. 
Thank you- XXXX
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MO)

I reported to Equifax that my SSN was in my report as an account number for a closed, paid loan with University XXXX and thus violating FCRA section 609 ( a ) ( 1 ) ( A ), and that there was incorrect information in the entry multiple times. 

They have refused to truncate the account number so that my SSN is not in my report. 

The account with the University XXXX is missing the date of first delinquency, indicating it would continue on record forever, as if it were n't paid in full. Since it is not being guaranteed by a government agency now that it is paid in full, the date of first delinquency is required to calculate the date that the account would be obsolete.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

( XXXX XXXX XXXX Social Security XXXX : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Public informations Section account opened XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( XXXX ), a credit card account opened at XXXX XXXX XXXX XXXX  under the account number ( XXXX ). These accounts have resulted in ( 2 ) fraudulent collections appearing on my consumer XXXX credit report.I do not recognize the aforementioned accounts, The aforementioned accounts, result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, are a result of identity theft and fraud.

.DEMAND FOR ACTION : Please remove this inaccurate information from my credit report, Please investigate and delete from my credit report.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( private email address )
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Transunion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Request to Block and Delete Fraudulent Accounts - Pursuant to 15 USC 1681c-2 ( a ) Dear Transunion Consumer Solutions, I am writing to formally notify you that I am a victim of identity theft as a result of the recent data breach from Health Equity. Fraudulent accounts have been opened in my name without my consent. Pursuant to 15 USC 1681c-2 ( a ), I am requesting that you block and delete all information associated with these fraudulent accounts from my credit report. 
Please find enclosed copies of my identity theft report, along with other supporting documentation, to substantiate my claim. 

The following fraudulent accounts have been identified : XXXX XXXX {$12000.00} # XXXX I would appreciate your confirmation that this account have been blocked and deleted from my credit report as per the Fair Credit Reporting Act. Additionally, I request written confirmation once the requested action has been completed. 

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me using the details provided above. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-08-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: NAVY FEDERAL CREDIT UNION (TX)

On XX/XX/XXXX, my loan officer emailed me and asked me to " send over all of the requested documents '' needed for a verified pre-approval on a mortgage application.

I was shocked that she apparently expected me to reply to her email with all of my sensitive documents attached. If the security of these documents is compromised by the loan officer I would be attacked by all kinds of scam artists. These scam artists would know my account number and account balances causing me to be more susceptible to scams.

I messaged the loan officer through the bank portal and suggested that I should securely upload the documents through mortgage portal instead of sending them via email. I am horrified by my experience. It makes me feel much less confident in this bank.
Consumer complaint received 2016-10-05
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Mobiloans, LLC (VA)

Second complaint I applied for a mobiloan loan in XXXX XXXX and received my first statement on XXXX/XXXX/XXXX. With an approval of {$1200.00}. Mobiloans hides behind the false claims that this is a revolving line of credit however my payments averaged {$160.00} to {$150.00} dollar every 2 weeks. I am being charge along with my payment a cash advance fee averaging {$75.00} every 2 weeks because the account has a balance. Mobiloan loans only applies an average of {$45.00} towards the principle. The loan limit was never increase however just like anyonline cash advance loans you can borrow up to the balance of {$1200.00} when you make your XXXX week payments. Mobiloans gets awaywith not posting a high interest rate by camoflaging it with a finance charge of {$73.00} to {$75.00} every 2 weeks. Technically this interest rate hidden as a finance charge is over 90 % After a year XXXX XXXX Mobiloans will not allow you to borrow towards your XXXX limit until the balance is paid in full however they continue to charge the finance as a fake high interest rate every XXXX weeks that will never allow me to get out of this fake line of credit account. Mobiloans does not give a statement to reflect past payments applied to principle and amounts of finance charges instead they provide XXXX statement a month for any transactions or charges that month no yeat end statement in order to camofloug claiming this is a line of credit. If it is like a credit card the annial percentage is about XXXX to 28 % and the most finance charge is around {$30.00} a month based on thr {$1200.00} instead ot is just like a pay day cash advance {$320.00} fees towards a {$1200.00} cash limit. I have paid an average of {$3200.00} for this loan. When I had a balance around {$550.00} it was added to this loan the most {$1700.00} average total in loans. The payments I made was paid twice and still have a {$1700.00} balance and at thay time I would have paid over {$5000.00} for {$1700.00} in loans this is legal loan sharking and predatory loan practicing under the umbrella of a line of credit this is a loan from the United States not overseas predatory lending should be banned i. The XXXX
Consumer complaint received 2024-10-03
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: Experian Information Solutions Inc. (CA)

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 2016-04-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Richard Sokoloff, Attorney At Law (NY)

I continue to receive notices with an increasing level of hostility from Richard Sokoloff Attorney at Law XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, NY XXXX. Concerning a medical bill for XXXX and XXXX XXXX XXXX in the amount of {$370.00}. This bill was paid directly to the provider XXXX and XXXX on XXXX XXXX, 2016 in full. 
On several occasions, after receiving letters demanding payment, I have called the above office and have informed them that this bill has been paid and I owe the doctor nothing. Today when I again called this attorney to inform them that I had already paid the bill and that they should stop harassing me, a XXXX XXXX told me I had to submit proof that I have paid the bill or they will not stop. 
I responded that it 's their job to make sure they have accurate information before calling and sending letters of demand. XXXX XXXX proceeded to yell at me, told me it 's my job to prove I 've paid the bill and then she hung up on me. 
I find it unreasonable for this attorney to continue to harass me, for a bill that 's already been paid.
Consumer complaint received 2017-02-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MRS BPO, LLC (KY)

In XXXX of 2016 prior to the XXXX XXXX due date, I suspended all lines of my prepaid XXXX service using the online suspension option through the 'My Account ' on XXXX XXXX website. A few days later I entered the XXXX store located at XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX to confirm the disconnect of my prepaid XXXX service with the representative there and explained my reason for the disconnect. It was of mutual understanding that though I was ending my relationship with XXXX that I would indeed submit payment in full for the current phones once the final bill for said phones arrived in the mail. 
In XXXX 2016 when I received a past due bill for services never used, I consulted a XXXX representative via chat on the XXXX website. I was told then that the account would be taken care of and again I would receive a bill for the phones only, which I repeated my understanding for and would submit payment in full for the phones once the adjustments were made. 
In XXXX 2016, I received a call from a XXXX billing representative about the past due bill, which has yet to be adjusted properly. At that time, we had a conversation regarding the fact that my XXXX account was always a prepaid account and that I would not be submitting this payment for the months of XXXX and XXXX considering I had, 1 ) Suspended the phones online AND requested a disconnection in person at the store at and 2 ) did not use my prepaid lines during the XXXX and XXXX prepaid billing cycle that unbeknownst to me were never disconnected by XXXX as I had requested to be done, twice. The CSR that I spoke to that day acknowledged that my account was prepaid, acknowledged the fact that I had cancelled, and told me at that time I would be sent a bill for the phones ( which I agreed that I owed that {$250.00} ), and that the existing charge would be adjusted to reflect the amount for the phones only. 

XXXX and its creditors continue to harass me via phone, my wife 's phone, and by postal mail. I have sent numerous letters to dispute the charge, the reason for the dispute, and the acknowledgement of my owing {$250.00} for the phones. They have yet to acknowledge in wrong doing and refuse to adjust the bill to reflect only the charge for the phones.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2017-02-08
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XXXX I went into Bank Of America located on XXXX in XXXX Texas to open a savings account. While pulling up the computer screen then associate told me that I had an invite to open up another credit card account with Bank Of America. After completing the paper work for my savings account she filled out an application for me for another credit card. I was denied! I found it very strange because Bank of America had been sending this invite to me very frequently since last year. After returning home I decided to call the bank and ask them to review application and asked them why I was declined! The representative told me to wait until my decline letter came in the mail. At that point, I asked to speak to a supervisor. The supervisor told me that I was denied because I had XXXX account that were sold in XX/XX/XXXX. I told him that I only had XXXX account with Bank Of America in XX/XX/XXXX that my lawyer took care of when I filed bankruptcy. I told them that was not fair because I cleared up my credit and it is in good standing. He said how do you know, I told him that I check my credit report frequently. So after going back and forth he decided to connect with their review department. I spoke with someone in their review department and told them that I only had XXXX account with Bank Of America in XX/XX/XXXX which was taken care of by my attorney when I filed bankruptcy. Also. I asked her for the copies. She said that she did n't have the application or the reports on the accounts because they were sold off. She also told me since they were sold off that that was not a reason for them to deny me credit. With this being said, I believe Bank Of America denied me credit based on false incorrect information. This is against the law according to the Fair Credit Act, The Consumer Act, and Unfair Business Practices!