davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-05
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

My husband passed away in XX/XX/XXXX. I just learned that there was a credit card in my name and he it closed in XX/XX/XXXX or XXXX. I never received any information that this card was past due, or that I owed anything on it. We lost our business, he was ill and passed away in XX/XX/XXXX. We were waiting for the VA to help out and he never received a XXXX. I had to sell my house at a huge loss after he passed away and manage to pay off the mortgage and other debt. Now I am trying to get a small mortgage and there is a XXXX write off on my credit report. I called them and they said they wrote it off and that I did n't owe on it. I did n't receive a XXXX but they soon sent me XXXX ( XXXX actually ) very promptly. I do n't understand why in four years I did n't know about this. I ca n't find any statements about this account and have been at the same address ( after I sold my home- my mother 's home ) and had the same phone number, so I feel there should have been some communication to me that I owed on this. Now I have to pay taxes on this, but with our business loss, not sure how much that will be. Now it will be on my credit report for 7 years. They have n't contacted me in 4 years, will I still owe this amount and can I get it resolved. It is showing up on my credit report that I am paying $ XXXX a month on this and I did n't even know about it. There is no way a lender will give me a loan and it really messes up my credit I have worked so hard in the past 4 years to resolve. He was a vet and some issues, but this is very hard for me to deal with and he is n't here to tell me what went on. They just wrote it off in XXXX according to my credit report, but I was talking to them in XXXX or XXXX about this.
Consumer complaint received 2015-05-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (TX)

1. Hospital visit XXXX XX/XX/XXXX2. My employer provides health care at 100 %. My XXXX XXXX company is XXXX3. XXXX paid the medical bills5. Then, in XX/XX/XXXX a collection agency, XXXX XXXX XXXX, placed a negative item in my credit report stating I had not paid the doctor. 
6. I call the doctor. They state that their accounting firm at the time went out of business and sold its accounts to a collection agency. 
7. We send an email to the Manager of the collection agency and spoke with his staff. They state they do not have the actual invoice which was not paid, only an entry in the database they received from the defunct accounting company. 
8. The item is removed from my credit report. 
9. In XX/XX/XXXX a different collections agency, Commonwealth Financial, places the negative item back in my credit report. 

Commonwealth Financial has this error in a database which they got from XXXX XXXX XXXX, which got it from the accounting firm which went out of business right after we used the doctor and XXXX paid the doctor. 
It seems that there is just a big scam where XXXX accounting firms sells accounts to another agency which further sells it to another firm, when in fact the first company had already been paid by the insurance company. XXXX collections agency scams another agency, which then scams another, when in fact there is no debt to collect as the initial firm received payment years ago. 

My credit score is hammered each time a collections agency buys the account from another XXXX and puts this incorrect item in my credit report. 

I need your help to stop this once and for all.
Consumer complaint received 2015-12-07
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMA Advisors, LLC. (GA)

I received a call on or around XXXX XXXX, 2015 from XXXX XXXX, Producing Branch Manager at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Ohio XXXX. This was my initial mortgage lender under the name XXXX ( they later changed their name ). Shortly after obtaining the loan it was transferred to XXXX XXXX XXXX XXXX. I have been paying XXXX now for around 2 years. XXXX XXXX was calling to advise me that they were going to be taking back my loan from XXXX. He said he would be sending me the details. I have no current account information for XXXX only XXXX. I, later that day received an email that essentially just said " Welcome back to XXXX '' ( attached ). I have received no other communication from either of the lenders. Later in the month I received my regular statement from XXXX with no mention of this change. It is now XXXX and I have still received no notification of transfer from either lender, no date of when service will stop with XXXX and new service will begin with XXXX and no effective date of transfer, as required by law. I have no idea who I should be making my next mortgage payment to and I do not want it to be paid to the wrong party and not credited to my account.
Consumer complaint received 2015-04-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HOVG, LLC (CA)

This company started calling me on XXXX/XXXX/15. Since then I have received XXXX more calls. 

On XXXX/XXXX/15 I answered, the man on the phone announced the company as Bay Area Credit Services, and is trying to collect a debt. The man had a very heavy XXXX accent. 
Asked for me to verify my personal info. 

I do not have any outstanding debts, and believe this is a scam.
Consumer complaint received 2015-05-18
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A. (OH)

I contacted Citibank about a balance transfer issue and complained about the length of time it was taking to post my transfer. They said because it was a new card it could take 14 days. However, I reasoned, that because they had just " borrowed '' from my credit limit from another Citi account, it essentially was not a new card, they basically split XXXX account into XXXX. Meanwhile, this is costing me interest with the account that I am trying to transfer.
Consumer complaint received 2015-12-08
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (AL)

This is a dispute regarding claim XXXX. I received a XXXX package on XXXX/XXXX/XXXX, duplicate of XXXX package. Still no explanations. In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX my property taxes were assessed as a business instead of a residential property. It was a {$400.00} or more increase. XX/XX/XXXX, I paid XXXX in taxes. In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX my property was assessed as residential, this is when my PMI insurance went up. In XX/XX/XXXX my PMI was prepaid XXXX according to my HUD statement. XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX ( up XXXX ), XX/XX/XXXX I paid XXXX ( up XXXX ), in XX/XX/XXXX, XXXX ( up XXXX more dollars ). XX/XX/XXXX, XXXX. XX/XX/XXXX, XXXX. When my property taxes go down my PMI insurance goes up. This type of fluctuation deserves an explanation. I also have not received and explanation of the escrow shortages. Wells Fargo owned the property when I purchased it, it was over appraised at XXXX so FHA would insure it. My mortgage was executed@XXXX, in which it 's only worth. The property never had a clear title. The loan was not within FHA downpayment assistance guidelines. Wells Fargo did n't disclose the lien, but tried to hide their identify by transferring it threw XXXX XXXX XXXX. The lien was very apparent, but the property was continuously sold. My property have be reappraised and reassessed, sold, allegedly transferred, but never assessed, until five years later, which not executed by me. Enough is enough. You ca n't get my money and not give me and explanation on what Is going on with my loan. Still waiting on answers.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2016-02-24
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

We have been arguing with Bank of America over the balance due on our Mortgage for over Three ( 3 ) Years. They refuse to correct the errors and continue to assess unlawful charges and fees. Furthermore, we have a fixed rate and they send us a different amount to pay regularly.
Consumer complaint received 2015-12-07
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY (NV)

Wells Fargo has allowed incompetent employees to essentially force someone who is suffering from XXXX into a personal credit card with a rate XXXX points higher than the previous BUSINESS credit card he was attempting to transfer to a new BUSINESS credit card with Wells Fargo. The agent made the application for a personal credit card in mistake. In fact, the balance transfer was from a BUSINESS CREDIT CARD ( which was provided ) and was intended to go to another BUSINESS CREDIT CARD with Wells Fargo. Once the mistake was brought to the banks attention they FAILED repeatedly to resolve the situation within a timeframe for which they had control. The branch employees and manger made numerous promises to reverse and fix the issue only to go back on their word, eventually telling me, " we have your signature '' after the window of opportunity to resolve the issue was gone. I have documented the steps that were taken by the consumer to resolve this issue and the amount of time already invested by a XXXX customer. The regional and national managers have done nothing whatsoever in fact the national office has never returned multiple phone calls. I have also attached numerous voice recordings, some of which are the manager speaking to resolving the issues and refunding fees which have still never been refunded. This is fraud and fraud of a XXXX person. If the bank continues to play this as " we have your signature '', our next step will be to take the story to the local news, and then small claims court. Be advised.
Consumer complaint received 2015-05-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (AZ)

My name is XXXX XXXX. When I purchased my rental house, it was suggested that I should open an account with Wells Fargo. Not only did I open a checking and savings, I also opened an account for my children. When my son turned XXXX years old, he was told to convert his account to adult. While away in college, my son went to XXXX, Wells Fargo to do what needs to be done ( close the kids and open an adult checking account ). Since he did n't have his social security card with him, his new account was put on a temporary status. He was given a day to bring his social security which he neglected to do. I told XXXX of the Wells Fargo representative to close his account because at that time I could n't open my safe where I out his social security card. Last month, I received an email from Wells Fargo stating a bill pay was suspended due to lack of funds. I called Wells Fargo to inquire about the email I received. When I gave my debit card number, I was asked more authentication making sure it was me. After being on the phone for over 10 minutes, the represent informed me that the debit card I gave to him was n't valid because my personal checking account is closed. I asked them who closed it, but that 's when I realized that they are supposedly closing my son 's checking account. I asked him if my son 's account is open and he informed me that his account is still open. Wells Fargo made a mistake of closing my account instead of my son. He then procee to tell asked me if I wanted to reopen my checking account. I told him " yes. '' He transferred me to another department. After giving my information for the new checking account, I was told that they could n't open it for me and that I will be getting a letter in the mail. Few days later, I received their letter with the reason why they could n't open a checking account for me. Basically, they could n't open a checking account for me because of my history and credits. 
First, they made the MISTAKE of closing my account instead of my son. Second, I DO N'T recall having NSF on my checking history. Third, my mortgage with Wells Fargo is in good standing. I do n't keep a large amount in my Wells Fargo account because our primary account is with XXXX. When they found out that they closed the wrong account, I never received any apology for their mistakes. 
Your response are greatly appreciated. 

Sincerely, XXXX XXXX
Consumer complaint received 2015-03-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Amsher Collection Services, Inc. (AL)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX  anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2015-12-07
Product: Credit card — 
Issue: Billing disputes — 
Company: Continental Finance Company, LLC (PA)

XXXX XXXX of Continental Finance did knowing know about my discrimination claim and failed to provide investigation report. Continental Finance has discriminated against me due to the color of my skin, by closing my account without validation, Also I want to file an alternative dispute but due Continental Finance polices, they have failed to file my request for arbitration. I will file a claim in Federal court under the Recovery Act.
Consumer complaint received 2015-05-18
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (VA)

My husband had a XXXX XXXX XXXX 3 years ago and can no longer work. We are a XXXX income household. My XXXX is the only income we have. We have requested a mortgage modification at least XXXX times from JP MORGAN, CHASE only to be denied each time for different reasons each time. We finally applied for a forbearance. After over a year of filling out paperwork over and over, they granted the forbearance. CHASE sent us a contract to sign telling us to make 4 monthly payments of XXXX starting in XXXX 2015. We sent the first XXXX payment on XXXX XXXX, 2015 through XXXX XXXX. We sent it early to make sure CHASE received it in time for it to be credited by XXXX XXXX, 2015. We called XXXX XXXX and CHASE informed us that they did not receive to payment. We called XXXX. They told us that CHASE did receive to money and gave us a check number that was received by CHASE. Called CHASE again, told they still did not receive money and no record of check number. Called XXXX again. XXXX verified CHASE did get money. On XXXX XXXX, 2015 received letter from CHASE stating that the XXXX had been RETURNED TO XXXX because it was not enough to bring the mortgage current. Called XXXX. They showed no record that CHASE had returned money. Called CHASE again. Cust. Serv Spec. told us that the money was returned because they did not show our mortgage as being under forbearance. CHASE told us to send money again as we were still liable under contract for the XXXX for XXXX. We DID SEND THE MONEY IN THE FIRST PLACE. So first they tell us that they do n't even show us being in forbearance, they in they same breath tell us that we are under contract for the XXXX and must send it again or they will CANCEL the forbearance! What?! We want to know how to sue JP MORGAN, CHASE for our home and emotional stress. I am terrified every day that this is going to cause my husband to have another XXXX XXXX or that we will get an eviction notice. How do we get in on or start a CLASS ACTION SUIT against CHASE? We have called Legal Aid and HOME here in VIRGINIA and they can not or WILL NOT help us. Please tell us where to turn.
Consumer complaint received 2015-04-14
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (MD)

I do not dispute that I owe the debt. My complaint is that the agency calls multiple times/day and several days/week which constitutes harassment. They will call XXXX times within 2 or 3 minutes. They call, hang up with no message and call right back and will do this multiple times/day. I have also requested that they not contact my employer and they have done that after my request.
Consumer complaint received 2024-09-05
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. (WA)

I am submitting this formal complaint against XXXX XXXX XXXX for their failure to honor a XXXX XXXX XXXX  and the resulting negative impact on my credit report. Despite repeated assurances and acknowledgments of their error, XXXX XXXX XXXX has failed to resolve this matter for over XXXX months. 

In XXXX, I was experiencing significant personal and financial hardship due to the following reasons : Separation after a XXXX relationship, leaving me XXXX. 
The tragic death of my sister, for whom I was responsible for handling all affairs. 
The resumption of a {$1500.00} per month student loan payment, further straining my finances. 

I communicated these issues to XXXX XXXX XXXX, and XXXX separate agents assured me that I qualified for their XXXX XXXX XXXX They agreed to place me on this program, which would have allowed me to defer payments until XX/XX/year>, by which time I would be able to resume payments as normal. Unfortunately, despite these assurances, XXXX XXXX XXXX failed to enroll me in the hardship program, and I was subsequently reported as delinquent for five months of missed payments. This severely damaged my credit score. 

In XX/XX/year>, I contacted XXXX XXXX XXXX to resolve this issue, and they admitted multiple times that they had made an error by not placing me on the hardship program as promised. They agreed to correct the reporting with the credit bureaus, changing the status to " XXXX XXXX, '' which is what should have been reported had they followed through on their commitment. They also promised to send a creditor courtesy letter stating the corrected dates. However, none of this has happened. 

Over the past XXXX months, I have made numerous attempts to resolve this matter. Every time I speak with XXXX XXXX XXXX, they acknowledge their mistake and assure me that they will correct the credit reporting. Yet, they have repeatedly failed to take any action. They have also failed to send the promised courtesy letter. 

The ongoing lack of resolution has caused significant damage to my credit, despite XXXX XXXX XXXX clear admission of fault and continued promises to fix the issue. I am seeking CFPB 's assistance in ensuring that XXXX XXXX XXXX follows through on its commitments and corrects the inaccurate credit reporting.
Consumer complaint received 2015-03-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

In 2013, I lost my wallet in which my bank card was enclosed. Fraudulent activity occured on my account which placed my bank account in jeopardy. Filed a police report, stating my card was lost and that someone had charged my card in the amount of {$2800.00} dollars through credit. Notified BOA ( Bank of America ) of the transaction and submitted reference number from police report. Eventually my claim was accepted and BOA brought my balance back to {$0.00} or the amount that I had on my account orginally. My account was closed. Attempted to open up another account and BOA refused and told be to notify the consumer credit bureau under FDIC. Attempted to open up an account with XXXX Bank but they refused also.
Consumer complaint received 2024-08-09
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. (NJ)

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.