davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX a deposited was made and out on hold until XX/XX/XXXX. The deposit has finally cleared and Bank of America is not letting me access my funds. I have tried to solve it with their fraud detection department and they are not giving me any information for this problem to be solved. Rent has been overdue and they are holding my funds. I spoke to a representative named XXXX she is a manager in the department and she couldnt help me resolve my issues.
Consumer complaint received 2017-04-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My wife and I deposited my XXXX refund check into my account at Bank of America ( like I do every year ), then proceeded to schedule credit card payments against the check. I made the deposit into an ATM with Teller Assist ( a new feature they have seeing they replaced most of the live tellers ). Got an email this morning that the bank has rejected the check, seeing that we made it into an ATM instead of going to a live person. Had we gone to the window, everything would be fine. In the meantime, my accounts are now massively overdrawn, all the money from the savings account transferred into checking, and fees being charged ( or will be charged ) all over the place. And, they are mailing the check back to me - which will take XXXX business days - for me to redeposit with a teller. There are no signs, warnings, or anything else that explain this. In fact, I 've deposited much larger checks into the ATM with Teller Assist many, many times. But now, this has ruined us for the short term. Talked with the most useless manager - XXXX ( # XXXX ) at BoA - but they wo n't do anything.
Consumer complaint received 2023-05-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (KS)

I closed on my primary residential FHA home loan on XX/XX/XXXX, The initial loan amount was {$190000.00}. I wire-transferred {$20000.00}, for closing costs and down-payment, on XX/XX/XXXX. 

I made substantial improvements to my home in XXXX and the appraised value increased from {$170000.00} in XXXX to {$250000.00} on XX/XX/XXXX. 

I submitted a written request to Flagstar Bank on or about XX/XX/XXXX, to have my Private Mortgage Insurance canceled on my FHA mortgage loan and received a letter dated XX/XX/XXXX, stating : " Dear XXXX XXXX XXXX XXXX : Request to Cancel Mortgage Insurance Premium We have received your request to cancel the mortgage insurance premiums ( MPI ) on the above FHA loan. We can not honor your request to cancel MIP as you are required to have MIP for the life of the loan per FHA guidelines. 

If you have any questions, please call us at ( XXXX Monday-Friday XXXX XXXX XXXX. or Saturday XXXX XXXX XXXX XXXX. 

Sincerely, PMI Department ''
Consumer complaint received 2023-06-13
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (CA)

Please refer to existing complaint ID XXXX A letter received from Chase Bank dated XX/XX/2023 confirms the fraudulent activity to my savings account was not authorized on my behalf. Chase bank has approved my claim. 

Additionally, Chase Bank states on this letter that I am to contact " law enforcement '' to lift the alleged hold on both my savings and checking accounts. The only law enforcement officer I have been in contact with since the inception of this claim, XXXX  XXXX of XXXX XXXX XXXX Sheriff 's Dept., has repeatedly stated that this department has not placed any type of legal hold on these accounts. 

I've reached back to Chase Bank on multiple occasions since receiving their response and the Leins and Holds Department restates the same phrase, " Due to the nature of this case we can not give you any further information ''. 

Apparently I will need information as to what law enforcement has placed a hold on these accounts, and I find it very unfair of Chase not to provide this information.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, 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. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I, XXXX XXXX, consumer and natural person, am aware of all the rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act. XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. XXXX illegally obtained personal and private information and sold it to other reporting agencies, including XXXX, XXXX, and Transunion. I did NOT grant XXXX permissible purpose to obtain the information and report it, nor did the debtor. I have not been notified that this information is being provided to the highest bidders. 

As the consumer and natural person, I am invoking specified remedy and make the following demands : Cease and desist reporting of the account name filings to all consumer reporting agencies. 
Remove reporting of the account name filings from all consumer reporting agencies. 

Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report from Experian and noticed a credit inquiry that I did not authorize. This inquiry was performed on XX/XX/2023. 

I contacted XXXX XXXX XXXX regarding the unauthorized inquiry and requested that they remove the inquiry from my credit profile. 

At this time, I am requesting that you launch an investigation into the inquiry by XXXX XXXX XXXX to determine who authorized it. 

If you find that the inquiry is valid, please send me proof along with a description of your investigation procedures within 15 days of the closure of this dispute. 

If not, please remove this from my credit report and send an updated copy of my credit report via e-mail or to the mailing address listed above. 

XXXX XXXX XXXX Experian Member ID : XXXX
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is XXXX XXXX and I am submitting this CFPB Complaint to dispute the fraudulent account on my credit file, and I demand its immediate and unequivocal removal from my credit report. As you are well aware, under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent account are clearly inaccurate, and its presence is causing significant harm to my creditworthiness. Let me be perfectly clear : I have already reported this fraudulent activity to the appropriate authorities and provided all necessary documentation to prove that these account are fraudulent. I have also requested that the creditors responsible for these fraudulent account investigate the matter and remove them from my credit file. Despite these efforts, these fraudulent account still appear on my credit report, causing me extreme frustration and financial hardship. I need the following account removed from my Credit File as soon as possible : XXXX XXXX XXXXXXXX Date opened XX/XX/2017 Balance {$20000.00}. I expect a prompt response from you within 30 days of receipt of this letter, as required under the FCRA. Make no mistake, I will not hesitate to pursue all available legal options to protect my rights and interests.
Consumer complaint received 2017-03-28
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (FL)

I purchased my home with a government insured FHA loan that is serviced by Caliber Home Loans. My problem is that I was injured and hospitalized for a period of time and missed a lot of work. This caused me to fall behind on my mortgage payment. As soon as I was back to full time I contacted Caliber to try and resolve the matter. They requested that I send in some financial information. I did this, and then did it again, and again and again. Each time I speak with someone different, and each time they give me a different excuse as to why they ca n't review my information. This has happened so many times that it seems intentional. Caliber is denying me access to government mortgage assistance programs that they are required to offer. 

I have worked as a XXXX for 16 years and I make a good living. My wife also works part time as a XXXX to help out and we live in our home with our XXXX daughters. We love our neighborhood and our home and want to save it more than anything. This problem began in XX/XX/2016 when I was hospitalized and was out of work. When I got out of the hospital I had to take it easy and my company just had me working part time and doing XXXX. As a result I missed some mortgage payments. A couple of months later I was back to full time employment and I contacted Caliber Home Loans to discuss this matter. They told me to send in my financial information and they would see what they could do. I have never been assigned a specific contact, I have never talked to the same person twice and they have a different excuse every time. I have been doing this for nearly 5 months and have made absolutely NO progress. They still have not even LOOKED at my information and this is beyond frustrating. They are starting to threaten me with foreclosure. This is crazy -- I make a good living and can afford my mortgage payment. I hit a rough patch but am back on my feet. Why are they denying me access to all options for help?? I know that FHA loans have programs to help people in my situation with a modification, or partial claim, forbearance agreement or repayment plan. However Caliber Home Loans has refused to offer any of these options. 

I am contacting you to inform you of the actions of my servicer Caliber Home Loans. They are not following guidelines, they are purposely obstructing the process, they are not conducting a review and they have never conducted a review of my financial information
Consumer complaint received 2016-05-24
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BAM Financial, LLC (IN)

XX/XX/XXXX, I brought a vehicle. I have to make payments of {$460.00} a month. However when I brought the car, the dealer BAAM Finance Company, told me that I would be paying the amount of {$460.00} for a minimum of 2 years and then I would be able to trade. After the 2 year mark, I was trying to trade my car and learned that I would be paying the amount of {$460.00} instead of two, but five years totaling the car to {$26000.00}. The car is a red Toyota Corolla 2008 & when I purchased it, it had over XXXX miles on it and is 8 years old. I feel like this is a fraudulent sale. I am paying 10x what the car is worth and is unable to trade it. When I purchased the vehicle, the dealer handed me a pink sheet of paper stating that I would be paying a total of {$14000.00}. 
BAAM Finance number is XXXX. BAAM Finance is located XXXX XXXX XXXX XXXX, XXXX, Indiana XXXX. I feel like I am being grossly overcharged for a used 2008 vehicle.
Consumer complaint received 2017-04-04
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (NY)

{$1600.00} was removed from my checking account with XXXX Bank in error, on XX/XX/XXXX. On XX/XX/XXXX I notified LoanCare Servicing, and provided documentation that the payment had cleared. As a side note, my mortage payment due for that month was XXXX, so I have no idea where the amount taken was coming from. On XX/XX/XXXX the mortgage payment from the correct checking account with XXXX was posted at LoanCare. Meaning duplicate payment was made. I 've attempted to have funds returned to the XXXX account since XX/XX/XXXX, have called 5 times, XX/XX/XXXX, XX/XX/XXXX - at which point the issue was 'escalated ' by them, XX/XX/XXXX - at which point I was told I had n't given enough time after escalation on the XXXX and the first week I had already given them did n't count, XX/XX/XXXX - at which point I was told that I should expect the funds returned by XX/XX/XXXX, XX/XX/XXXX - where I was told they did n't know why it had n't been done yet, but that they would 'priority escalate ' and it would be looked at in a couple hours, and again on XX/XX/XXXX - to be told that I would need to wait an additional 48 hours for the 'priority escalation ' to be looked at, and they were n't sure why I was told it would be a few hours. It 's become clear that 'escalation ' is just a tactic to buy additional time and get me off the phone, and they have no intention of returning the funds removed without my permission. I filed a case through XXXX bank on XX/XX/XXXX, to try to recoup the funds that way. Additionally I have received no correspondence at all on this issue from LoanCare, the only communication has been initiated by me. I have spoken with the following LoanCare representatives ; they provide their agent # s at the beginning of calls : XXXX.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America Auto Loan is and was paid by Cashier 's Check { attached } issued by XXXX XXXX on XX/XX/2023 sent Priority US Mail for {$21000.00}. That payment extinguishes any and all claims ( forever ) of BOA as it relates to [ me ] specifically Account # XXXX. I can not contact Bank of America directly [ I have tried all available avenues including numbers included in prior complaint responses, they simply don't answer or respond ] unless or until you want a loan, or credit, and I want neither. So, I have no avenue to gain relief from this LARGE BANK. I can not submit any dispute to XXXX or XXXX [ this Credit Reporting Agency is woefully inept and refuses to do anything except allow hackers in to them it is all a game. They claim a complaint already exists so in essence the collusion between BOA and XXXX is such that it adversely effects my ability to repair the issues each have created ] as an appeal is pending on a different matter with XXXX ( a reputable company in my opinion ) involving incorrect information reported by another LARGE BANK. Both accounts are closed ( including XXXX XXXX ) the issue with XXXX XXXX & XXXX XXXX XXXX XXXX XXXX they've reported incorrect information as opposed to the other LARGE BANK, here boa XXXX that doesn't report information nor apply payments timely. BUT BOTH ACCOUNTS ARE PAID OFF [ by prep-paying each to avoid the continuing problems with both ] and CLOSED and for the duration of my life neither LARGE BANK is a viable option for anything in my future.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2017-04-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

We are in the process of negotiating a Short Sale for the sale of a property. This process has been going on since XX/XX/2016. There has been a huge lack of communication between the banks assigned relationship manager and myself as he does not notify when something is needed or return my phone calls. I have spoke with numerous supervisors and managers over the last 5 months and have made no progress whatsoever and the same relationship manager is assigned to the file. Over the last 5 months, we have submitted and re-submitted the bank requested bank statements several times as the bank took 3 months to realize that the bank account had transferred over to a new bank with a new account number, even though this has been explained to them on several occasions. We have attempted to escalate the file 4 times and still have made no progress. After confirming with a supervisor on several occasions that no other documents were needed, a new request was made for additional documents. However, no one reaches out to advise us of the additional document and some requests sat for almost weeks until a phone call was made by us to them. Now, they are requesting additional bank statements for over-draft accounts that are no longer in use. They have requested 3 BPO 's as the others keep expiring due to the lack of communication. A notice of default has now been sent to the homeowners and we are still nowhere near getting this Short Sale approved and closed.
Consumer complaint received 2017-04-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (OH)

I co-signed a XXXX student loan for my Grandson. He is paying it currently and it is up to date. I just started receiving phone calls from XXXX @ Navient XXXX wanted me to make a payment on my student loan and call her back @ XXXX. I see no reason for them to be calling me. I have n't given them any information. On XX/XX/2017 she called two times. On XX/XX/2017 she called me three times, then I decided to start writing down the times they called. I am not answering the calls they are going to my voice mail. On XX/XX/2017 she called at XXXX,XXXX & XXXX. On XX/XX/2017 she called @ XXXX, XXXX, XXXX & XXXX. On XX/XX/2017 she called @ XXXX. I believe this is harassment.
Consumer complaint received 2016-10-26
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Bronstein & Weiss Arbitration (TX)

Both myself, family members, and employer have received threatening phone calls from Weiss and Associates stating I will be arrested in 72 hours. I contacted the original creditor and the authorized debt collector who informed they have no affiliation with Weiss and Associates. Their persistent harassment has upset me and my family. I lost control when I spoke to them last because they are not legitimate and have obliviously obtained my information through public records. The SS # and email they have do not belong to me.
Consumer complaint received 2015-03-30
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Central Capital Arbitration Firm, LLC (CA)

I keep getting calls from area code ( XXXX ) with the following numbers : XXXX & XXXX & XXXX ( 4 times in one hour today from this last number ). I do n't answer, but they continue leaving voicemail messages threatening to send a server to my door if I do n't call back ; threatening to take me to court. I have absolutely no debt. I looked up the first XXXX numbers and there were many reports of this being a scam. How can these people keep calling me when my phone number is registered? I feel like I 'm being harassed now. Thank you for any help you can provide me!
Consumer complaint received 2017-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In regards to Case number:XXXX Please remove the following unauthorized inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX