davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-18
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I am beyond frustrated in the manner of which I have been denied the ability to dispute a charge on my Bank of America credit card.I received a denial letter, that said I was not able to dispute the charge, The charge I am requesting assistance in disputing was made on XXXX XXXX 2014, to a company called XXXX in the amount of {$1500.00}. I have recently come to the conclusion that I have been victimized by an online business scam I have paid this company the total of {$3000.00} of which was done in XXXX separate credit cards, which the other credit card company refunded me the charge, so I do n't understand why Bank of America is treating my dispute this way. I have been told that I am unable to dispute charges over 60 days old, however, I understand that the 60-day time frame for disputes does not apply in my situation as this is not a billing error and I signed contracts. My dispute has been mishandled and requires further investigation it is shameful that Bank of America was so quick to dismiss me.I would like them to look into this " merchant '' There has got to be something they can do for the protection of their customer beyond 60 days. Companies like these are taking advantage of people praying on the old and vulnerable making promises and telling lies.A refund from these companies is in order. They did not provide the services as described.
Consumer complaint received 2016-10-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

I 'm a victim of identity theft and someone else has been trying to open account in my name and I have some inquiries on my credit report I only have XXXX account with municipal credit union but it has XXXX inquiry from them XXXX/XXXX/2016 do n't belong to me and the company by the name of XXXX XXXX have XXXX inquiries on my credit report when I only supposedly should have XXXX from XXXX/XXXX/2016 belong to me
Consumer complaint received 2016-10-18
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: CITIBANK, N.A. (TX)

On XXXX/XXXX/2016 I mailed a hardship/cease and desist request to Macy 's. However Macy 's continues to call my cell phone and home phone repeatedly at all hours of the day. I am elderly with severe health issues ; these calls have resulted in increased XXXX for me.
Consumer complaint received 2016-11-10
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Southwest Credit Systems, L.P. (NC)

A collection agency named SW Cred Sys just started reporting a collection account on my credit report for {$130.00}. Prior to noticing this collection account appearing on my report, I never received any notice about this debt. I have no idea what this is, and have been unable to get a response from the collection agency about it.
Consumer complaint received 2016-10-18
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION (MI)

We feel Financial Freedom ( a division of CIT Bank, N.A. ) neglected to inform us ( during our loan workout effort ) that they are not required to conform to Consumer Financial Protection Bureau ( CFPB ) regulations regarding " Dual Tracking '' in the foreclosure context. Other types of mortgage lenders are not allowed to pursue foreclosure while simultaneously considering delinquent loan mitigation. Because these CFPB " Dual Tracking '' regulations supposedly do not pertain to reverse mortgages, our home was suddenly foreclosed on during the final stage of a " Loan Rescue Program '' through the Step Forward Michigan Hardest-Hit Fund. We were in the " Underwriting '' stage where Step Forward requests default payoff balances from Financial Freedom ( a participating Step Forward partner ) when Financial Freedom proceeded with the unfortunate Sheriff sale to XXXX XXXX for {$120000.00}. 
We know both parties have had communication in regard to our Step Forward Michigan CASE and that the servicer can not start the foreclosure process if loss mitigation is pending, but they did. They should have agreed to a settlement of our {$6300.00} delinquent account, but because of Financial Freedoms noncompliance with CFPB " Dual Tracking '' rules, we lost our home through this deception.
Consumer complaint received 2016-10-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Central Portfolio Control Inc. (IA)

This bill was from XXXX/XXXX/XXXX. My son had an XXXX hospital visit. My son had XXXX for his insurance. The hospital changed their billing system over during the last week of XXXX into XXXX of XXXX and had lost that bill in their system resulting in it being unpaid by XXXX. After many calls back and forth to the hospital they finally found the bill a year later and it could not be billed through XXXX any longer. The hospital said they would take care of the bill since it was their fault this happened. Now today XXXX/XXXX/XXXX I received a call from CPC Central Portfolio Control who is saying the bill is unpaid and demanding payment. I have never received a letter from them or anything showing what this is for. The man I spoke to was very aggressive and rude. He would not give me any information except the amount and date of service. He told me he did n't care what I had to say and that contacting the provider of the original bill would do nothing. He threatened to hang up on me if I did not comply to payment. I then called the hospital after speaking to CPC and the hospital says they do n't know who this collection agency is and they said I have a XXXX balance on the account. The hospital told me this sounds fraudulent to them and to report them. This company is calling me with a robotic automated message and has also called my parents as well.
Consumer complaint received 2016-10-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Franklin Collection Service, Inc. (FL)

I received a collection notice about a month ago and I responded to advise the collection agency that the debt was not mine and is a result of identity theft. The debt is disputed, not owed and stop collection attempts. The agency sent me another collection notice dated XXXX XXXX, 2016.
Consumer complaint received 2016-10-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (IN)

I have been attempting to submit a dispute x3 days. I tried online 1st and the site had me verify my information and then timed out each time while I was still entering information, at no time was I inactive on the site. The 4th attempt said it was unable to verify my information, the same information I had entered previously. It then instructs you to fax your dispute along with a copy of your driver 's license to XXXX. My fax to this number failed because it did n't answer. I called it and determined this number to be soliciting services for XXXX and in fact not a fax number for the agency. Lastly I called them to submit my dispute via phone and advised them this number was bogus to which they did n't acknowledge, address or provide me with a better number. Their website is instructing people to send their sensitive information to his phone number and they should be made to correct this info or remove it all together. This agency gives you a runaround trying to update your own information and that 's not how this process should work with fair credit reporting, a person should be able to successfully and securely submit updates via the method they have provided and the information they provide should be accurate.
Consumer complaint received 2016-10-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IN)

I have informed the credit bureau of my intentions to move my name change towards a recent address update, and that is the only reason that my credit score is not important to the current bank account under question. I have undergone a name change, and my information is currently being used towards a XXXX account in remaining open, while I am unable to access it, due to a confiscated card, within a XXXX situation. To this end, I have contacted the bank, wherein they have stated that I have no legal right to the account. Having made all necessary contacts, I have not seen any improvement, and my credit score has plummeted. At this time, the account remains attached to my SSN, and the identity theft of my information and the situation that has been used for the improper access to any credit report. 

IN ADDITION, I have placed a security freeze on my account, wherein the confirmation number is inaccessible. I have contacted my bank, which stated there was no credit freeze. After investigation, I realized my account information was endangered by this creditor, XXXX. Please remove the account and make a complain about the situation and remove my name from the attached person 's name, in the following police report, XXXX XXXX XXXX. This breach occurred through a stolen ID. 

The account is attached to the current primary account owner, but as stated, I removed my name, but my SSN remains attached, which is XXXX. I would like all attached information to be mailed to me during the following month, as my statement in this matter can eradicate all imposed charges to his name. Otherwise, legal action will be required to discuss the matter. I would much rather invest my time into the XXXX at the XXXX, INDIANA location at XXXX XXXX. Thank you.
Consumer complaint received 2016-10-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NC)

I have owned a property in NC for over 10 years. When I purchased it needed extensive renovation. I did an interest only loan to preserve ma/ny for the repairs. This was XXXX. My husband and I also purchased a business during this time. From XXXX to XXXX we lost money at the business. I did a modification with Wells in XXXX. Since then we have lost the business and had to file a Chapter XXXX for protection against business debts, not personal. I have asked for help from Wells as we have paid 6.625 % for 10 years and have not gained any equity. They sent me an appraisal in XXXX showing the value as XXXX. When I contacted them about getting turned down for a loan modification or principle reduction I was told that I should look into a short sale. Why should I sell my home for XXXX where we all lose? I have told them that we want to keep and pay on/off our loan. I have worked in the XXXX for 20+ and can not understand how a consumer could navigate this process. I finally gave up and now my payment has adjusted up another {$500.00} per month.
Consumer complaint received 2016-10-18
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION (MD)

This is related to a previous complaint that I filed, # XXXX. I received a response from M & T bank which did not address any of the concerns I raised or provide any information that I requested, which I have attached. M & T has informed me that I am required to comply with their policy compelling me to provided personal information, but yet refuses to provide me with that policy. I have expressed concerns about the security of any information I provide and if that information will be shared with external agencies. A representative of M & T has verbally told me that my information is for internal use only but will not but that assurance in writing. I have asked for specific law citations that require me to provide information, but M & T refuses to provide me any citations, but has continually provided me general references in response to my numerous inquiries. M & T has continually provided false and misleading information to me throughout this ordeal and has repeatedly threatened me with the closure of my accounts if I do not comply with a policy that they refuse to provide that is based on laws that they refuse to cite.
Consumer complaint received 2016-10-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NJ)

I have submitted documentation on numerous occasions to have an item that does not belong to me removed. The credit bureaus are only going by what the company states and not looking at the facts. If a company can not verify my account by my birth date because they have a different birth date on file than this is proof enough that this is not my account and may have been opened fraudulently.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX DOB : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XX/XX/XXXX Dear Consumer Reporting Agency, I am writing to dispute the following information that appears on my consumer report : HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Thank you for your assistance Sincerely, XXXX XXXX XXXX
Consumer complaint received 2016-10-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NAVY FEDERAL CREDIT UNION (MD)

Is Navy Federal Credit Union in violation of escrow policies and procedures? 
When the escrow account has a balance at the end of an escrow period, a refund should be processed as the funds collected were for the payments scheduled for the escrow period. 
Navy Federal Credit Union is collecting and holding escrow payments for subsequent periods instead of ending the current escrow period and identifying accurate projections and payments for the following period. 
Additionally, Navy Federal Credit Union has informed its customers that they are now doing escrow analysis on a different calendar year than before, XX/XX/XXXX-XX/XX/XXXX instead of XX/XX/XXXX-XX/XX/XXXX. Has the bank received special permission to change the period? Are other banks doing this practice? Have escrow guidelines changed?
Consumer complaint received 2016-10-17
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Meade & Associates, Inc. (OH)

I spoke to a representative of the company. He stated that my payment would be processed at XXXX the following morning. He also stated that the payment could be reversed if necessary. After speaking to my financial advisor I learned that this action would adversely affect my credit score. I later called the company back and the representative stated that the payment could be stopped and my credit report unchanged. He late called back and admitted the misrepresentation. He did offer an apology but basically stated he lied about everything else.
Consumer complaint received 2016-10-17
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I paid off a loan on a double wide mobile home 30 years ago. The Bank of America never sent me a release at that time and now I am trying to get an original of the lien release for each side of this mobile home. The bank states that the originals were sent to the County of XXXX XXXX, who has nothing to do with mobile homes and they said they would have sent the paperwork back to the bank. I have tried since XX/XX/XXXX to get this resolved, phone calls, personal visits to the bank, etc. The only thing they have sent is a faxed copy which the Department of Housing will NOT accept to remove the legal owner as BofA. Your help in getting this resolved would be extremely appreciated as I have hit a dead end and have no where else to turn.
Consumer complaint received 2016-10-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ascension Point Recovery Services, LLC (PA)

Ascension Point Collection is attempting to collect a decedent debt they say they have obtained from XXXX XXXX associated with XXXX credit. My father passed away XXXX XXXX, 2016. They are stating that {$300.00} is owed on a credit card associated with XXXX and this bank. XXXX and XXXX XXXX have been contacted and there is no money owed. They released all financial obligation upon his death. Further, they have never heard of this company and only associate with XXXX. No paperwork has been given via the bank to ANY collection agency nor will there be. Despite several calls, the company is saying payment is owed. This is a scam. No one from the bank has even heard of this company. They are insisting on payment and have sent paperwork and made numerous calls.
Consumer complaint received 2017-01-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I was working with KEEP YOUR HOME CALIFORNIA about my home mortgage and they requested a mortgage statement and they refuse to send it to me and to me and KEEP YOUR HOME CALIFORNIA therefore I just got call from KEEP YOUR HOME CALIFORNIA that they denied me because of not getting the the document they requested. 
what happened to my case with KEEP YOUR HOM CALIFORNIA is souly SLS fault fault for refusing to send the document needed. 
I need immediate action befor SLS take my home.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2016-10-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Credit Card Receivables Fund Incorporated (NV)

XX/XX/XXXX my car was stolen, in my car I had my check book. Whoever stole my car also wrote bad checks out of that account. I reported this incident with XXXX at that time. The manager of the branch told me everything was taken care of and the account would be closed with out a problem. In XX/XX/XXXX I got served with legal papers saying that I owed that balance plus legal fees. At that time I wanted that problem to go away so I agree to make payments. A few weeks later I lost that job and was unemployed for years. Now I received a garnishment notice directly in my mail. The last time I made a payment was in XX/XX/XXXX. For what I understood there was a statue of limitation that protected me against being garnished at this point. The other reason I 'm filing a complaint is because the garnishment is already in process but I was never physically served paper or contacted to agree of the debt. I do n't think it 's fair to have to pay all the attorney fees for a balance that should n't even be owed in the first place. It took years after the incident with XXXX until I found out of the mess it caused. At the time the branch where I went to submit my proof of fraud was already closed.
Consumer complaint received 2024-11-22
Product: Credit reporting 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. (IL)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

To whom it may concern, I am writing to report a serious issue with my credit report. An account that was previously opened using identity theft and subsequently deleted has reappeared on my credit report as of today, XX/XX/year>. 

This fraudulent account was not opened by me and is the result of identity theft. I had previously reported this to the credit bureaus and the account was removed. However, it has now been incorrectly added back to my credit report. 

The reappearance of this fraudulent account is causing significant damage to my credit score and financial standing. It is negatively impacting my ability to obtain credit, secure favorable interest rates, and may affect my employment prospects.

I have already reported this identity theft to the police and have attached a copy of the police report to this complaint for your reference. 

I request immediate action to remove this fraudulent account from my credit report and to investigate why it was re-added after being deleted. Additionally, I seek assurance that this will not happen again in the future. 

Thank you for your prompt attention to this matter.