davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-28
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XXXX/XXXX/16 I made a single {$200.00} online payment to my Bank of America Visa card. 

On XXXX/XXXX/16 a {$200.00} payment was withdrawn from my XXXX XXXX Savings Bank checking account and credited to my Bank of America Visa account. This first payment did show up on my Bank of America Visa account. 

Then on XXXX/XXXX/16 a second {$200.00} was withdrawn from my XXXX XXXX XXXX Bank checking account and credited to Bank of America Visa. This second payment ( which was unauthorized ) did not show up on my Bank of America Visa statement, and they claim to have no clue about it. 

I went to my bank on Thursday XXXX/XXXX/16 and they verified that the money was indeed sent to Bank of America to be credited to my XXXX account, and that they can not do anything about it because Bank of America already received that payment. However, I was told by Bank of America ( on XXXX/XXXX/16 ) that they never received the money and told me repeatedly that the problem had to be with my bank and that they should deal with it ( even after I told them that XXXX XXXX XXXX Bank confirmed that Bank of America received the {$200.00} ). They did, however, say they would look into the matter when I phoned them and that they would call me back within 24 hours. I still have n't heard from them. 

I may live on XXXX 's XXXX but I only make {$300.00} a week and this missing money has resulted in my not being able to pay some of my bills. It seems as though it has disappeared into no where and it was essentially inadvertently " stolen '' by Bank of America due to a problem with their e-payment system. I am upset by the fact that there seems to be no actual paper trail and Bank of America is not willing to take any sort of responsibility for what happened. 

The only thing I would like to add is that after all this I was contacted by XXXX XXXX by mail regarding a security breach at their company. I received the letter late on Thursday XXXX/XXXX/16 and called them that day. They said that my credit card information my have gotten out and that I should have my credit card number changed. I phoned Bank of America ( their XXXX is my only active CC ) and requested to have my number changed. I told the customer service person at that call as well ( the second call to them that day ) about what happened regarding my missing {$200.00} and he said he would also make a written complaint for me. I 'm not sure that the incidents are connected, however I think you should be aware of this and also know that the CC # I have provided as a reference is the cancelled card # ( I wo n't receive a new card and number until later this week ). 

Thank you.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I am writing to formally request the blocking and deletion of the accounts listed below, as I am a victim of a recent data breach. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these accounts be removed from my credit report to prevent potential fraudulent activity. 
Accounts to be Blocked and Deleted : 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 XXXX XXXX XXXX
Consumer complaint received 2016-08-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CT)

This afternoon XXXX XXXX 2016 I called Experian after learning from credit monitoring that my credit score had changed. My XXXX score is very low. The credit monitoring service found several inaccuracies such as my XXXX XXXX auto loan was not reporting and has several dispute codes. I called Experian and spoke with XXXX XXXX and she advised me of the dispute codes that will cause " THE CREDIT SCORE TO NOT FACTOR IN WHEN A DISPUTE IS ACTIVE OR CODED AS CONSUMER DISAGREES ''. I said to her, I did not initiate those disputes and did not recall ever asking XXXX XXXX to dispute them. I asked her to remove them. She told me she could not do so, and said that I would need to speak with XXXX XXXX. She transferred me to his voice mail and got disconnected. I called Experian again and spoke with another individual and asked me for my report number. Rudely, he said he could not transfer me over to special services unless he received my report number. He then transferred the call to special services ( XXXX XXXX ) and the call got disconnected again. Afterward, I called XXXX XXXX senior council at Experian to advise him of the disconnected phone calls. 
The CFPB and its agents must realize that Experian special services is not providing adequate assistance when addressing credit inaccuracies when I find them, instead they make other mistakes causing fluctuations in my credit score and XXXX scores. I believe this is illegal and perhaps as a business practice should be investigated by the CFPB. It is unlawful to compile and disseminate information to manipulate credit scores. There is also reason to believe that Experian does this to many other credit reports and consumers as a practice of lowering credit scores.
Consumer complaint received 2016-08-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth (GA)

I have reported to the credit bureaus, ARS and this is my second complaint through Consumer Financial Protection Bureau. 

ARS refuses to validate the debt they say I owe. According to section 809. ( B ) of the Fair Debt Collection Practices act. 

They never send any copies of proof of this debt or how it is mine. ARS continues to send me a letter with amounts and dates with no judgement, contract or physical proof of this debt.
Consumer complaint received 2016-08-29
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Credit Karma (WI)

I am paying XXXX a month to CreditKarma for monitoring purposes, and I come to find out that they use a model known as " VantageScore 3.0 '' which actually nowhere near resembles what my actual FICO score is ; in fact, it 's actually grossly overinflated. I am not satisfied with their canned response that " it 's a different model. '' But should n't they be obligated to report my actual FICO score as they are branding their product with XXXX 's labeling? I am onfused as to what the best service is for continuous monitoring of my credit score. Thanks!
Consumer complaint received 2016-08-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I have a mortgage with Select Portfolio Servicing which Is paid on time and current. I had a fire in my home on XXXX XXXX, 2016. The insurance company issued a check in the amount of {$24000.00} which was made out to myself and the above Bank. I signed the check and sent it to the Bank on XXXX XXXX, 2016. I had all the paperwork they required signed by the contractor expressed mailed back to them on XXXX XXXX, 2016 they told me they received it and I would receive a check for the full amount of $ XXXXand would be mailed out in 5 business days and the mail would then take 10 business days to get to me. I called after the 10 business days and they said they never cut the check and again I would have to wait this 15 business day period bringing me now into XXXX. They have been holding my insurance check since XXXX now to XXXX. This is a rental apartment so I am losing 3 months rent which does n't seem to matter to them. I am a XXXX yr old widow and If I was 3 months late on my mortgage I would be in pre-foreclosure. Is there something you can do to them to make them overnight my money which I stressed to them I wanted done and they said I still have to wait an additional 5 business days before they could even cut the check. 
My account number at Select Portfolio Servicing is XXXX. Property address is XXXX XXXX XXXX XXXX, XXXX XXXX, Fl XXXX. 
My mailing address is XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, phone XXXX XXXX
Consumer complaint received 2016-08-27
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIRST NIAGARA FINANCIAL GROUP, INC. (AZ)

Approximately three years ago I submitted a complaint against First Niagara Bank about multiple overdraft fees that resulted in a negative balance. I refused to pay it and the account was closed.Yesterday I received a check in the mail from them stating I am due {$140.00} returned to me. However because my account was negative at the time of closing they deducted that amount and the check was for {$24.00}. Essentially they took back the fees they were ordered to return, as my account would not have been negative had they not charged me the fees that should never have been charged in the first place.. I have tried contacting them to no avail. In fact the phone number they included with the check is not viable, gives options for ridiculous questions, and they tells you to hang up. This issue has caused me a lot of grief with trying to open new bank accounts and for them to try to keep my fees in this manner after being ordered to return them is especially egregious.
Consumer complaint received 2018-01-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Received an offer for a {$200000.00} HELOC from Bank of America through XXXX XXXX : Terms of Offer ( received XX/XX/XXXX ) _______________________ Congratulations You chose to work with XXXX XXXX XXXXcertified successrate Bank Of America ( XXXX ) XXXX XXXX Download VCard. 


Equity {$0.00} Term 30 Rate 4.08 % Fees {$0.00} Rate Type Adjustable Amortization Yes Notes There are zero fees, zero closing costs ( APR is same as note rate ), zero maintenance fees, and zero pre payment penalties. 
_______________________ On XX/XX/XXXX, I spoke with XXXX XXXX - he confirmed all of the above terms, and made no mention of any draw requirements.. Based on my reliance on the offer and his confirmation, I authorized a credit check and gave my SSN. 

My next contact was with XXXX (? ) XXXX on XX/XX/XXXX, the loan processor at XXXX XXXX She stated different terms for the loan - contingent prepayment penalties if the line was closed within 36 months and a requirement for a {$100000.00} draw at closing. My FICO is over 800 so the credit check could not have been the cause of a change in credit terms. 

Based on these completely different terms and the fact that they appeared to have performed a " bait and switch '' to get me to authorize a credit check. I stated that I would not proceed with the loan process, and I wanted to file a complaint. No one has followed up to address my concerns.
Consumer complaint received 2016-08-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (DC)

I requested an appraisal as part of the process to remove the Private Mortgage Insurance ( PMI ) on my Wells Fargo Mortgage. Wells Fargo provided paperwork advising they would only accept an appraisal handled by XXXX XXXX XXXX ( now XXXX XXXX XXXX ) and the charge for the appraisal would be {$550.00} for a single family residence. Since all market indicators, including sales of adjacent identical properties, as well as property improvements suggested the value of the property more than surpassed Wells Fargo 's PMI Deletion threshold of XXXX % Loan to Value ratio ( LTV ) we proceeded with the appraisal. I was shocked to find the appraisal returned well below the expected market value range and with numerous factual errors that indicated the appraiser failed to conduct a proper appraisal consistent with the duties of their licensure under the laws of the state of Georgia. I disputed the initial appraisal by providing documentary evidence including public records demonstrating the Gross Living Area ( GLA ) of the property, receipts for improvements made to the property as well as publicly available information on the local real estate market demonstrating significant increasing home prices in the neighborhood. All of this information was baselessly refuted by Wells Fargo. Wells Fargo and their contracting partner XXXX have to date failed to provide any Third Party or public records to support their original assessment. Despite being challenged with credible counter evidence to the findings of their original appraisal Wells Fargo and XXXX XXXX have maintained their ill supported and factually incorrect position. Due to their intractable position in the face of facts I have come to the conclusion Wells Fargo and XXXX XXXX home mortgage appraisal operations are a consumer fraud whereby the lender and their contracting partner are able to deny legitimate consumers seeking to remove their PMI as a result of increasing property values after collecting a significant fee.
Consumer complaint received 2016-08-29
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SQUARETWO FINANCIAL CORPORATION (TX)

I agreed to a settlement payment on an old debt and was led to believe by the collector if I accepted the settlement and paid quickly, they would NOT report this debt to the credit bureaus. They continue to report this item. Please investigate. I can not seem to get a good answer on why this is happening. Since I work in the financial services industry, I fully understand the negative impact on of having a collection on a credit report. As such, I would never have paid this item without their commitment they would NOT report it to the credit bureaus. 

Original Creditor : XXXX Debt Owner : CACH , LLC Debt Collector : XXXX XXXX, XXXX Original Balance : {$9700.00} Agreed to settlement : {$5300.00} Paid on XXXX/XXXX/2016
Consumer complaint received 2016-08-26
Product: Debt collection — Medical
Issue: False statements or representation — Impersonated an attorney or official
Company: Collection Center Inc (ND)

My name is XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, ND XXXX XXXX, I have received a notice of debt collection on a Court Filing Form with no Case Number from the Court from XXXX XXXX, Attorney at Law # XXXX ( XXXX XXXX XXXX XXXX ND XXXX XXXX ) on behalf of XXXX in XXXX ND. I responded to the first notice indicating that after review of the documents attached to the notice, that I was responsible for XXXX of the XXXX elements of debt. I requested that they send me proof that the other medical bills where in fact valid. Instead of responding to my request they continue to send me court documents filled out as if they have filed them with court, but there is no court number and no record at the court that they have filed. The latest document they sent shows a court ruling for the collection agency to receive payment, but yet again there is no court docket number. These tactic are deceptive and I need them to stop and have them respond lawfully,
Consumer complaint received 2016-08-27
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (CA)

I have had a Macy 's credit card for over 10 years but have not actually used in about 7 years. I have set up automatic bill pay and when checking the account today I found that I have been charged from a company called XXXX XXXX-credit life insurance, $ XXXX- {$6.00} a month for years!! I never gave my consent to add this program and was never notified it was being added! I am attempting to have my money refunded for the years of paying this fee.
Consumer complaint received 2024-09-03
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: EQUIFAX, INC. (NC)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am submitting this complaint due to the fact that I have been a victim of identity theft. I have made attempts to show " TRANSUNION '' that I was incarcerated when the fraud was initiated on XX/XX/2021. I have contacted " TRANSUNION '' about removing the fraudulent information, but they refused even when I submitted proof showing that I was incarcerated. Under 15 U.S.C. 1681 : General provisions and definitions 15 U.S.C. 1681e ( b ) : Compliance procedures 15 U.S.C. 1681s-2 : Responsibilities of furnishers of information 15 U.S.C. 1681i ( a ) ( 5 ) : Reinvestigations of disputed information Disputed Information : " XXXX XXXX '' ACCT # XXXX I found the following inaccurate and fraudulent information : Credit Reporting agency : " TRANSUNION '' Reasons for Dispute : Inaccurate Reporting : Under 15 U.S.C. 1681e ( b ), it is required that credit reporting agencies maintain maximum possible accuracy. The listed items do not meet this criterion. Obligations of Furnishers : As per 15 U.S.C. 1681s-2, the furnishers of this information are required to report accurate data. Their failure to do so necessitates the deletion of these entries. Reinvestigation Requirement : In accordance with 15 U.S.C. 1681i ( a ) ( 5 ), I am requesting a reinvestigation of these entries and their subsequent deletion. These accounts aren't paid late accounts or derogatory accounts either! XXXX is reporting inaccurate information I want my accounts updated correctly on my credit report
Consumer complaint received 2016-08-25
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (CA)

ON XXXX XXXX, 2016 @ XXXX XXXX MY AMERICAN EXPRESS BLUEBIRD WAS HIT WITH A FRAUDULENT ATM WITHDRAWL IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX GAS STATION ) FOR {$300.00} ONLY PROBLEM I WAS IN XXXX USING MY CARD DAYS BEFORE THAT HOURS BEFORE THAT WITHDRAWL AND THERE IS ONLY XXXX CARD** I IMMEDIATLRY CALL AMEX TO REPORT PROBLEM ON XXXX XXXX AMEX LOCKED ACCT. UNTIL I COULD GET TO ATM TO WITHDRAWL REMAINING FUNDS IN XXXX THEN THEY WILL CLOSE ACCT. AND SEND NEW CARD ON XXXX XXXX, 2016 I RECIEVED AN EMAIL FROM THEM ASKING ME TO FILL OUT FRAUD PAPERWORK AND UPLOAD IT BACK TO THEM I DID** ON XXXX XXXX, 2016 I RECIEVED AN EMAIL FROM AMEX LESS THAN 24HRS. LATER THAT THEY DID AN INVESTIGATION AND FOUND THAT I WAS IN VIOLATION OF CUSTOMER AGRREEMENT XXXX. AND THEREFOR NO ERROR HAPPENED AND THEY WAS NOT GOING TO REFUND MY MONEY** BECAUSE I GAVE SOMEONE MY CARD AND PIN NUMBER ** ( WHICH IS NOT TRUE ) I WAS IN XXXX TRAVELING FOR MY JOB WHEN THIS TRANSACTION TOOK PLACE IN XXXX AND MY TRANSACTION WILL PROVE THAT** THERE IS ONLY XXXX CARD AND ITS IMPOSSIBLE TO BE IN XXXX STATES AT THE SAME TIME** AMERICAN EXPRESS LOCKED MY ACCT CLOSED IT DOWN WHICH STOPPED MY DIRECT DEPOSIT AND I HAD NO MONEY TO PAY BILLS AND I WAS IN ANOTHER STATE WORKING STRESSED OUT** I CONTACTED XXXX POLICE DEPT. FOR ASSISTANCE OFFICER XXXX INVESTIGATED WITH IN 24HRS. HE HAD WENT TO GAS STATION WHERE CRIME OCCURRED TALKED TO ATM COMPANY AND OBTAINED VIDEO AND PICTURES OF SUSPECT WHICH I HAVE ALSO** FROM THIS POINT I CONTACTED AMEX OVER 25 TIMES TO GET TO A PERSON WHO WOULD HELP NO LUCK JUST CUSTOMER SERVICE AGENTS SAYING THEY WILL PUT INFO IN NOTES IN MY ACCT. XXXX THEN I INFORMED THEM LAW ENFORCEMENT WAS INVOLVED AND THEY DID AN REAL INVESTIGATION NOW THEY TELL ME I HAVE TO HAVE THE POLICE TO CALL CUSTOMER PROTECTION SO THEY CAN TRANSFER HIM TO AMEX XXXX** I HAVE CALLED OVER 20 TIMES IN A MONTH TRYING TO GET SOME RESOLUTION NONE SO FAR **** EVEN XXXX POLICE DEPT. HAS CONTACTED AMERICAN EXPRESS BY PHONE AND EMAIL AS WELL AS PROVIDED THEM WITH THE INVESTIGATIVE REPORT FROM THEM** WHEN AMEX RESPONDED TO XXXX POLICE DEPT. THEY SENT TIME STAMPED DATES FROM THE XXXX XXXX SHOWING THE SUSPECT MADE NUMEROUS ATTEMPTS FOR MONEY, THATS FINE BUT IT HAS NOTHING TO DO WITH AMEX REFUNDING MY MONEY EVEN AFTER I HAVE PROVED AMEX NEVER DID AN INVESTIGATION AND LAW ENFORCEMENT HAS PROVED I DID NOT HAVE ANY THING TO DO WITH THE TRANSACTION THEY STILL WONT GIVE ME MY MONEY BACK, BUT THEY HAVE GIVEN ME ALOT OF RUNAROUND XXXX POLICE DEPT. TOO ALL IN HOPES I WILL GIVE UP AND I 'M NOT I HAVE EVERY EMAIL AND PAPERWORK *** AMERICAN EXPRESS DOES NOT PROTECT THE CONSUMER AT ALL THIER PROTECTION IS TO TURN YOU INTO THE SUSPECT AND PROTECT THEM FROM LOSSES** I HAVE FOLLOWED EVERY THING IM SUPPOSE TO DO AS A CONSUMER I DID EVERYTHING I NEED TO FOR AMERICAN EXPRESS STILL NOTHING BUT GAMES FROM AMEX**
Consumer complaint received 2016-08-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

The borrower 's was notified of a Trustee Sale scheduled on XX/XX/2016. They received a notice on/before XX/XX/2016. When they contacted the lender to request Mortgage Assistance on XX/XX/2016, they were informed by the lender that they needed 37 days prior to the Sale date to consider any mortgage assistance options. Consequently, the borrower asked the representative why were n't they provided the notice at least 37 days before the Sale date so they have had enough time to request mortgage assistance. The representative said that that was something that they were not required to do and that the Sale date will go through as scheduled unless there was a purchase offer submitted for the property, and even if there was, they may not be able to postpone the Sale date.