davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Please be aware for the fraudulent and deceptive advertising business practices of the Bank of America. I did find the promo over the internet for {$400.00} bonus for open up new checking account at Bank Of America and after account was opened, the bank representatives failed to grant {$400.00} bonus for which I was entitled. Many made promises was made at the local branch but the manager but just give up.
Consumer complaint received 2016-08-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (LA)

To whom this may concern : I recently received a copy of my Equifax credit report. I 've submitted a dispute to Equifax to remove inquiries off my credit report. I understand it should n't be allowed to put inquiries on my file unless I have authorized it. During my first and request Equifax stated, " They did n't receive my request to remove any inquiries and/or information. However, I 've submitted these disputes electronically and through certified mail. During, my third request Equifax stated, " The unauthorized inquiries were factual, and I should contact the reporting companies. '' However, I 've contacted the reporting companies for request for removals and I 'm getting no answer. Please have Equifax remove the inquiries from my credit file because it is making it very difficult for me to acquire credit. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

Thanking you in advance, XXXX XXXX XXXX, XXXX
Consumer complaint received 2023-12-29
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2016-11-17
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This is my 2nd complaint that I have had to file in the past several weeks about Bank of America, which is a separate issue from my first complaint. For the past few days someone has been accessing my credit card account to update my mailing address and phone number. I live in XXXX, and the individual is updating my address to a XXXX address. I am very concerned about this. I have done everything I can to try to get Bank of America to secure my account. 
I have reset my online profile, had a new card issues, had a security question added to my account. However, for three straight days someone had managed to STILL change my mailing address. The most recent time they requested a new card to be mailed to the address that was unauthorized. I called in early this morning to report it. The individual went right into my account details without asking for the password that I had setup. I brought this to the representatives attention immediately. This is very concerning as it seems that Bank of America is being hacked. I am very concerned that someone has my personal information. I have even setup fraud protection with XXXX, but somehow someone keeps being able to call into Bank of America and change my address for 3 straight days, and then request a new credit card to be mailed to them. Also, my account security does n't seem to be taken serious when representatives continue to release account information without verifying my password when I call in, which I thought this was to protect me. I have been assured by 4-5 different reps that the issue was fixed and this would not happen again. Well, 3 straight days someone has been making changes to my account. I have been a long time customer of Bank of America, but I am scared to continue to do business with them. I do n't mean to keep complaining, but I am fearful that Bank of America has breached my security on more than one occasion now. What is going on with you guys???
Consumer complaint received 2016-11-03
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

i have disputed the info on my credit report with the credit card company for which they signed for on XXXX/XXXX/2016.. According to the FDCPA the credit card company is required to put a notice of dispute within 30 days. However when i checked my reports on XXXX/XXXX/2016 i saw that they failed to place a notice of dispute. I have already sent a letter to the credit card company regarding their violation and as of today they still have not removed the negative account from my report. 

This is my final goodwill attempt to clear this up out of court and without monetary compensation. If the credit card company does n't remove the negative accounts in a timely fashion i will sue them in small claims court nearest to me. I will request {$5000.00} as i have already outlined in my letter. 

I am attaching now the letter i have sent them and also a copy of XXXX credit report where you see their negative account.
Consumer complaint received 2016-11-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

Wells agreed to a loan modification ( approximately a $ XXXX/mo change on a {$3000.00} payment, and required XXXX payments prior to completing the loan modification. I made the XXXX payments and now Wells is considering not going through with the loan modification. In plain language, they lied, and should they back out they will have committed theft ( {$9000.00} from XXXX payments ) and then they will foreclose on an upside down house for which I have been paying since 2008 and have agreed to keep on paying.
Consumer complaint received 2023-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I made a deposit on XX/XX/XXXX for XXXX in form of a check. They told me it would be a hold on the check until XX/XX/XXXX. Later i found out that they had the hold date change to XX/XX/XXXX. I called several time and they could give me no explanation. it was up the auditing team. I called the person that written the check for a purchase and he was told by his bank t that he check had cleared on XX/XX/XXXX and verified. I called once again to BOA and was told that they was not going to release the funds to us until XX/XX/XXXX and that will be the day we can use the funds. We have been banking with Bank of America for 6 years and have had over XXXX XXXX in the bank. Yes we have experience a lot of bias from this bank and this has been consist.
Consumer complaint received 2017-01-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

I am trying to buy a home and get approved and raise my credit but my student loans did n't allow me to because they said I was XXXX days past due and I had no knowledge of my payments or whe I needed to pay and they tell me it wont be off my credit until XXXX to XXXX years and it 's not right its it 's unfair when I 'm trying to do right with my credit
Consumer complaint received 2017-01-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Collection Consultants of California (CA)

I initially called the company Collection Consultants of California to dispute the accuracy of a single derogatory remark on my credit report. After I disputed this information, the company then listed XXXX other separate remarks for various amounts on my report. I called to try to pay the amounts that are listed on my report and they said that it would n't matter because I have many amounts that are due to this company. Not only are some of them over XXXX years old, I 've contacted the originator of the claims. If these are all debts from XXXX creditor being sent to XXXX collection agency, they should only be listed on my report once, not four times. This should be considered illegal, especially because I feel that this was done purposefully by their staff after I submitted my original dispute. If they are listed individually on my report, I should be able to pay them individually to have them removed.
Consumer complaint received 2024-08-28
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Didn't provide services promised — 
Company: LD Holdings Group, LLC (CA)

We were told by our loan agent, XXXX XXXX ( loan depot ) on approximately XX/XX/XXXX that our loan was approved and when I told her that we were not able to pay our mortgage without the loan. She assured me not to worry about it and that we would receive the monies from the refinance before our mortgage would be late on the XXXX of XXXX. Days later, we were told we needed documents that were unreasonable and impossible to provide. Now our mortgage is overdue and they are cancelling the loan. We are angry and frustrated and don't know where to turn at this time. Please help!
Consumer complaint received 2016-12-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (UT)

I have submitted proof that certain accounts are not mine and these accounts have not been taken off. I have also disputed XXXX Credit Card account because it says I have paid late but I have submitted proof that I was not late on the account. There are other accounts I have disputed as well but they do n't verify the information and they do n't even look at the proof I have submitted. This is frustrating. I would like to buy a house and with this incorrect information on my credit report it is impossible to do so. I have submitted the same proof to all 3 credit agencies but it is clear that they do not even take time to look at the proof. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that have been posted on a credit report. Countless times I have fought with the credit agencies but have made very little progress. Even with the proof I have submitted it is still ignored. There are also other accounts that I never opened. I am trying to be proactive and tackle this before I hire an attorney to go after these credit agencies. Because the XXXX website only shows payments made during the current year I am unable to print off the proof of on time 2015 payments.
Consumer complaint received 2016-07-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Alorica Inc. (OH)

I received a letter saying that I had paid off my loans. Then a little time later I a call from a company ( western asset. management ) saying that I owed them {$18000.00} including interest for a student loan. I never received any paperwork from them, they said they have been sending it but it got returned, I have been at the same address for 30plus years so that 's a little odd I never got a bill, now they are garnishing my wages and I have no idea what to do to stop it ... ..
Consumer complaint received 2016-08-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: California Accounts Service (CA)

I contacted the credit reporting company XXXX and XXXX that I had contested California account services collection service account listed as a negative on my report. I contacted the collections, they sent me a packet of nothing but bills. As suspected there was no proof other than a stack of bills. With XXXX a name on them no ID, No passport and no proof. As I had suspected.., it was not my account. I contacted XXXX and XXXX on XXXX and initiated a dispite XXXX quickly removed the account from my credit report!. XXXX is l still in process. California account services posted account to my credit as well as others damaging my credit as a result I loss my job of 24 years have no car to get to a job. Of equal pay and career level of XXXX. 
After winning at XXXX I received a poorly printed letter in the mail telling me they had raised amount due from? XXXX to XXXX over night. These people need to be reminded that they are trying to collect account from the wrong person and XXXX needs to follow and remove this account, As well. It is not ok to ruine some ones life on a bunch of bills with out any proper photo id on file, no copies of any ID. Just a stack of bills with names printed on them. 
I 'm sure the hospital treated Some one, but it was not me. Please remove from XXXX and provide documentation that the account ca n't be collected on in the future by being sold so when it appears again I have solid proof that it has to be removed
Consumer complaint received 2024-10-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NY)

Every time I try to contact MOHELA phone wait times are prohibitive ( >120 minutes while calling several times over the last 6 months ). Most recently my mortgage servicer requested that I contact them using a third party servicer called " XXXX XXXX XXXX'. I spent 1hr 40 minutes on hold and the call was dropped. Despite giving them my number for a callback in the case of a dropped call, they never called me back. I'm concerned these issues will delay my mortgage approval and the closing date on my house. Also I am deterred from speaking to anyone about my loan with the extremely poor customer service of MOHELA with the long wait times.
Consumer complaint received 2016-07-27
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NY)

I am one of the owners of a house in foreclosure located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I am a homemaker and wife of a XXXX Veteran who abandoned the property and thus left me with no means by which to sell off the house. The house went into foreclosure and I moved into my mothers home with my children. The mortgage company Ocwen has pursued me because my husband did not have an address of contact until the past year. Despite attempts to have them seek him out, since the mortgage is a VA Loan and he would be able to make arrangements through the VA to put the house up for sale or refinance at a lower rate to make payments, they still today call my mothers home phone number day and night, weekends and otherwise. We have even been disrupted during our sacred holidays. They have harrassed myself, my family and my neighbors. Just when you think that it was finally over, today in my mothers driveway lay mortgage paperwork, uncovered and opened with all of mine and my husbands personal information for anyone on the street to see : our ss # 's, dates of birth, etc. Who does that? Why wo n't they send my husband notification to go through the VA? XXXX XXXX XXXX resides at XXXX Twisted XXXX XXXX, XXXX, North Carolina, XXXX. The attorney firm that did this is XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX : XXXX XXXX XXXX, XXXX . XXXX XXXX XXXX , XXXX XXXX ( XXXX ) XXXX Fax # XXXX File # XXXX, for Ocwen Loan Servicing , LLC XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX I would ask the FTC to please intercede on my behalf and ask these people to stop the harrassment, I am a homemaker, with no income, my husband is retired and receives a pension from the military, and homeland security. They should be seeking him out to look for closure to this foreclosure as this is a VA matter, and I can not intercede and do anything to rectify this situation, and yet time and again, they turn a blind eye and refuse to look any further then myself living at my mothers residence, How dare they share my personal information with on my mothers driveway at her property address with her neighbors, strangers and passerbys!
Consumer complaint received 2017-01-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (NV)

I am disputing my Late Payment For XXXX XXXX because XXXX XXXX supposedly late payment was never on my report until i disputed my report regarding my Late Payment in XXXX XXXX. I was n't disputing it was late in XXXX. I recognize this but they went ahead and put more then XXXX payments late which is n't true. I told all XXXX companies I was going to get a Credit Attorney and Sue for not only falsifying information on my report but categorizing as ( XXXX ) payments late, when it never was. If it had been I would 've disputed. I also believe they may have been removed previously but after carefully reviewing I was n't 30 days past due in XXXX XXXX. My payments are DUE on the XXXX of the month and becomes 10 days late on the XXXX. The following month, if not paid by the XXXX or XXXX however 30 days works out then I 'm 30 Days Past Due and I have always manage to pay before then. XXXX also offers me a Skip Payment that 's moved to the end of my loan, whenever there 's a Hardship but they would n't in XXXX ... You can verify this with them ... 

Equifax & XXXX have updated my report as you can see ... ..because they know this was never there and actually took BOTH LATE PAYMENTS OFF ....
Consumer complaint received 2016-11-03
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: GMA Investments, LLC (GA)

A representative named XXXX, who stated he is a legal manager at Summit Receivables stated that Summit Receivables has taken over my credit card debt which is {$450.00}. The company has repeatedly contacted me calling me more than once a day for the past couple of months. I have explained that I was unable to make payments at the time because of health related issues. During the past month XXXX has called me several times threatening to take legal action against me if I do not pay a certain amount by a specific date. I recently made a payment on XXXX/XXXX/16 for {$50.00} which was posted XXXX/XXXX/16. However, I decided to check my credit report on XXXX/XXXX/16 to see if the company was on my credit report. To my surprise I did not see the company listed on my credit report. I also noticed that the original debt from the credit card company was closed. Once I realized I did not see them listed on my credit report and I have not received any documentation by mail indicating that I owe them or that they will take legal action against me I contacted XXXX to ask him about my concerns. XXXX became very defensive and began to talk over me and became very rude. I informed him that I will not make any further payments until I receive something in mail indicating that I owe them, after I stated that, XXXX stated he can send me something by email and that he was not obligated to send me anything by mail unless I send it a written request. I told him that I will request in writing to have documents mailed to me. I asked him for the address of his organization and he hung up on me. I looked through my inbox and spam on my email and I did not have any emails from him or the company he claimed was sent to me. I contacted the Consumer Financial Protection Bureau, XXXX and State Attorney General for Nevada and was informed that what he was doing was illegal and I plan on taking further action.
Consumer complaint received 2016-07-05
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (FL)

On XXXX/XXXX/16 and XXXX/XXXX/16 I received phone calls from Barclays XXXX XXXX Master Card reporting charges to my account which I declared as fraudulent. On both cases new cards were issued and an investigation supposedly took place. On XXXX XXXX I received two letters declaring those purchases as valid. When I called to inquire why, I was told that " the cards had a chip which rendered them incapable of being copied ''. Never mind the magnetic strip on the card. I requested disputed forms which I filled out and return along with explanatory letters of what I had been enduring from other credit cards and my belief that I had been scanned because I only used the card once for a minor purchase with the State of Florida. Now they have obviously ignored all the explanations and are harassing my phones with calls from different numbers. Probably my credit will be impacted as well, even though I had nothing to do with those purchases. Even when I ask to see the signatures and videos on the purchases, the clerk I spoke to said that " it did not matter. ''
Consumer complaint received 2016-07-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

The bank is USAA Federal Savings Bank. I have been a customer for over 12 years. The bank allowed access to my checking, savings, and insurance accounts. Within minutes someone had taken a little over {$800.00} out of my accounts. I received notification via email that my car insurance id was ready to access as well as a quote for car insurance. I had not called the bank to do these actions. So I then called the bank but could not access the automated information due to it not recognizing my zip code or other personal identifiers previously in place. When I spoke to a representative I was told the account would not have the changes take effect to the insurance and it seems as someone called in as me. I was travelling so I ended the call but attempted to check my mobile app to determine if my bank account was touched, I was able to access via the app at first and found that there had been transfers from my savings and another checking account into a main account at the bank that I had not authorized. I immediately called the bank back again and after a 30 minute wait to speak to a representative was disconnected during a transfer to security. I had to call back again and waited approximately 30 more minutes to speak to someone again. I advised them that I did not authorize any change, transfers, or withdrawals other than a gas purchase and food purchases not over {$10.00} and wanted to file an unauthorized access to the account. When I advised them that I was travelling for the holiday and I needed my funds, not to let anyone take the money they advised they would allow me to get to an ATM to withdrawal funds. However, my card did not work with the PIN and then I was told the money I saw minutes ago on the app was no longer there because of a XXXX Transfer. I had not authorized a XXXX transfer I had been on the phone within minutes of the unauthorized access due to the account alert from the insurance access. I was stranded during my travels and told it would take 3 - 5 business days before I could access the money or get anything back. USAA would only apologize even though their records show they provided unauthorized access ( they called it suspicious caller ) to my account. A representative made a comment after reading the notes in my account " Oh this is bad ''. They apparently sent a Power of Attorney to someone but I received no form in my email account, which the caller could not even provide the correct email address per the representative. I would like to request the notes on the account so I can read what actually happened. There is a Freedom of Information Act which should allow this. My paycheck will be deposited and I will not be able to access it all due to someone being provided access to my account over the phone and online.