davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX Checked account per XXXX found charges to acct I nor my mother mad.Called Fraud spoke to XXXX disputed charges XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told the purchased by debit card ending in XXXX, which was not true. My mother is XXXX and never uses her card.Claim was established. XXXX spoke to me as if I am responsible.I was told it would be investigated.I was told all charges were reversed, they were not reversed.I was told my mother 's card was canceled. 
XXXX XXXX I called fraud and spoke to XXXX in XXXX, who was not accomodating. She sounded sleep even intoxicated during call.I informed her I called day before about a claim she responds we are not talking about that.I told her I saw a new charge that was not mine for XXXX XXXX XXXX XXXX She stated she saw a charge for XXXX for XXXX that failed to go through. explained i do not have insurance with XXXX.She stated charge was from debit card ending n XXXX, i was told it was from card ending in XXXX. XXXX kept slurring her speech and kept saying i cant hear you, finally I asked to speak to someone who was no t sleep. then she all of sudden she can hear me and says lets get this claim done. She refused to let me speak to someone else, put me on hold and came back and hunf up on me. 
XXXX XXXX ; XXXX I called fraud dept spoke to XXXX in XXXX  who reviewed notes written dont know what notes said. I explained situation. I have access to no funds. All charges were not reversed per what I was told.Iexplained I need funds that i take care of my mother. She gave me a credit of XXXX that I for XXXX only. I was told all funds would be put back.Investigation and claim filed. 
XXXX XXXX I went to BOA branch. explained situation again. I was issued temp card. I was told I should get money back in 48 hours. i went outside bank and got the funds that where only credited to me for that day. 
XXXX XXXX I check my account is now negative XXXX still showing XXXX XXXX   XXXX XXXX XXXX overdraft fee XXXX overdrafr fee XXXX XXXX XXXX XXXX XXXX bank Now they are charging nsf charges my mother has a deposit.that will go in bank next wed. They are trying to take her money. No One wants to hep me. I am getting the runaround. i was told since people claim charges are not theirs on purpose. It makes it bad for me. This Bank is known for taking people 's money. 
Bank Of America is operating unfairly. I have acess to no funds and at the rate they are going my mother 's VA check will be gone as well as what they have taken and is still taking from us. Please help
Consumer complaint received 2017-02-01
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC (IN)

I am very devastated of the way Ditech has handle my loan. I submitted all documents needed to be review for a Deed in Lieu. However I have an active sale date for XX/XX/2017. I confirmed with the Ditech Foreclosing Attorneys " XXXX '' and they have not received any request from Ditech to push my sale date BACK or to have it canceled until my Deed in Lieu is finish. I recently received a letter from Ditech dated XX/XX/2017, they have a complete packet and that they will respond within 30 days. However, I am XXXX because my sale date is still active with the Foreclosing Attorneys. I am tired that Ditech keeps prolonging my case. I am XXXX years old and it has been very difficult to move around. I am just waiting on my Deed in lieu so I can live in peace. I am too old to start all over. I have tried to negotiate a modification however ; I was not " eligible '' based on Ditech. Therefore, my last option will be a Deed in Lieu. Please help me I do not want to die before I can resolve this issue.
Consumer complaint received 2022-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Experian Information Solutions Inc. (NJ)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-07-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Finance of America Mortgage LLC (CA)

When purchased our home in XX/XX/XXXX XXXX XXXX with Finance of America ( NMLS # XXXX ) estimated our property taxes for a XXXX loan, the problem is our loan was for XXXX. The taxes and insurance were included in the loan so that we wouldn't have any major lump sums due. Because of XXXX XXXX error we now owe our mortgage company {$1700.00} and we owe XXXX county {$1800.00}. Our Payment went from XXXX to XXXX, and we have to get on a payment plan with the county. XXXX XXXX error was missed when we refinanced, so I'm not sure if the new mortgage company is also at fault as they used the figures from our old loan to figure our payment. If the loan had been figured properly from the start, we would have passed on this home and found something with a smaller payment.
Consumer complaint received 2018-07-04
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. (TX)

XXXX XXXX XXXX has stated that they do not know who I am. I informed them that I have never attempted to get a loan from XXXX XXXX XXXX. However there is a hard inquiry on my report from this Loan Company. Please have them remove the hard inquiry listed on my credit report. on XX/XX/2016. I should not have to ask this company more than once to remove my information from their system. I should also be compensated for the emotional distress that this has caused. This company is attempting to gather peoples information and process fraudulent loans in their name or fraudulent loan applications in their name for the sake of number or to be efficient sales people. This is fraud and a violation of several laws. I need the address for this company a corporate address to pursue this matter in a small claims court. 
XXXX up | Log in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( XXXX ) XXXX Credit Inquiriesclose XXXX will monitor for new inquiries made in your name. If you don't recognize a historical inquiry, we can help you dispute the issue. 
Date Inquirer XX/XX/2016 XXXX XXXX
Consumer complaint received 2018-07-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc. (MT)

Keep receiving phone calls about collecting a debt. Don't owe anyone, other then one credit card which is paid off monthly ; card is current to date. My credit is monitored by me very carefully. Score is XXXX. Have never been sued or received any notices in the mail of any debt.
Consumer complaint received 2018-07-04
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: TOLEDO FINANCE CORPORATION (TX)

Toledo Finance Corporation has stated that they do not know who I am. I informed them that I have never attempted to get a loan from Toledo Finance Corporation. However there is a hard inquiry on my report from this Loan Company. Please have them remove the hard inquiry listed on my credit report. on XX/XX/2016. I should not have to ask this company more than once to remove my information from their system. I should also be compensated for the emotional distress that this has caused. This company is attempting to gather peoples information and process fraudulent loans in their name or fraudulent loan applications in their name for the sake of number or to be efficient sales people. This is fraud and a violation of several laws. I need the address for this company a corporate address to pursue this matter in a small claims court. 
XXXX up | Log in Print Toledo Finance Corp XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( XXXX ) XXXX Credit Inquiriesclose XXXX will monitor for new inquiries made in your name. If you don't recognize a historical inquiry, we can help you dispute the issue. 
Date Inquirer XX/XX/2016 XXXX XXXX
Consumer complaint received 2018-07-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC. (MO)

Ally Financial/Auto repossessed my car on XX/XX/XXXX with no notice of intent to repo until XX/XX/XXXX. I contacted SEVERAL rude and uncooperative sales reps. They all had different stories and all claimed I had missed different months payments. I disputed the credit reports with 2 out of 3 agreeing with me. I have bank statements showing where I paid ahead of time on 3 separate occasions putting me 1 to 2 months ahead of time. When I was ahead and so skipped a month, then I was charged late fees and extra interest. The contract states I have a 15 day grace period to pay each month making payments due the XXXX to the XXXX but if I paid even 1 day after the XXXX, I was charged late fees. The company harassed me on 2 separate occasions so much making me believe I had missed a payment that I struggled on both occasions to make 2 payments the next month putting me in financial ruin. I had to put off other debts to pay Ally extra when I did not owe extra. The last payment I made including extra was applied completely to interest so I am told by an Ally rep. They sold my car and did not notify me of when or where the sale would be. I had no notification they were selling the car. Now they want an additional {$3600.00} and are reporting it past due as of XX/XX/XXXX when I didn't even know they had sold the car. Ally auto has put me in a downward spiral with my other creditors and ruined my credit report. It has been a nightmare dealing with them for the past 12 months. Attached Is all supporting information even bank reports showing 2 payments Ally is not even giving me credit for.
Consumer complaint received 2018-07-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

It all started I XXXX called the bank because we where having difficulties coming up with the mortgage payment due to an accident my wife had XXXX couldnt return to work.. ; so we wanted to see what we could do to lower the mortgage payment ; after speaking to Wells Fargo We started sending all the documents needed for a modification. It was a lill confusing to us and we wanted to get a good aoutcome so we decided to get a lawyer to represent us ( XXXX ) XXXX XXXX XXXX XXXX the bank XXXX Wells Fargo XXXX XXXX denying us ; the layer kept saying to us all the time We spoke to him that We were elegible and that it was the bank giving us the run arround ; last letter We received facing foreclouse so we contact the lawyer XXXX he told us that he needed {$3500.00} to submit some document to stop foreclousere.. we couldnt afforded it. So we started calling d bank.. XXXX they ask us to submitt all the documents again nothing was moving so We called XXXX of XXXX XXXX XXXX They have been working with us to stop the foreclosure and get a modification going.. finally We just got an approval but with a first trial period mortgage payment of XXXX. After trying 2 years non stop to get a modification this is what we get.. We dont have that kind of money and its not fair to us.
Consumer complaint received 2018-07-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WI)

On XX/XX/2018, we sent a registered letter to XXXX XXXX, CFO USAA FEDERAL SAVINGS BANK, concerning our supposed mortgage. We respectfully invoked FDCPA and asked that she would answer some accounting questions. Instead of answering our accounting questions, she passed the responsibility onto someone working in the CEOs office. XXXX XXXX sent us a letter on XX/XX/2018, two days past the time required by the FDCPA. This letter did not answer weather or not we had the legal obligation to pay USAA FEDERAL SAVINGS BANK. While this debt validation process was taking place, USAA FEDERAL SAVINGS BANK sent us two bills and now a letter of default. Not only has USAA FEDERAL SAVINGS BANK violated the FDCPA, but they failed to validate that we had the legal obligation to pay them. USAA FEDERAL SAVINGS BANK also failed to answer weather or not they ever loaned us money in the first place. We would appreciate if you would take the time to look into this matter. We have all of the return receipts along with the original letters we sent in the attempt to validate this debt. We also have the envelope date stamped from the post office along with the paper letter sent to us from XXXX XXXX proving USAA FEDERAL SAVINGS BANK missed the dead line while failing to answer our accounting questions. Thank you for your most valuable time and consideration.
Consumer complaint received 2018-07-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

My complaint is against Carrington Mortgage Servicers LLC. On XX/XX/XXXX they denied an offer for a short sale that was submitted. I received a letter dated XX/XX/XXXX stating that the short sale was declined. There were two other offers previously submitted the bank did not process any of the offers in a timely manner and was not responsive to the offers submitted. I believe this to have been an intentional willful act to further subject me to intentional emotional distress. The foreclosure proceedings began on or about XX/XX/XXXX and started shortly after the sale of the home. I've produced personal documents including bank statements and pay stubs several times and the bank was not responsive in processing the short sale offers. I believe they intentionally delayed processing of the offers. The last communication states that the loan is now governed under the Hud SLFS. Had they processed the offers timely the property would have been sold. Now they continue to send me collection notices the last one dated XX/XX/XXXX stating that I owe in excess of $ XX/XX/XXXX. They sold the home to me for $ XXXX the home is valued on or about $ 160k. I would like them to be investigated in relation to their negligent acts.
Consumer complaint received 2018-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is the FIFTH OR SIXTH time I have tried to fix this issue with Transunion so I have decided to get lawyers involved, there is a fraudulent account with XXXX XXXX XXXX that all the other credit agencys deleted except for Transunion XXXX. This Data furnisher has been in violation of the FCRA 2009 ( a ) which states a Data furnisher MUST delete an account that has been reported to authorities and has proper identification to prove it ( which I have provided numerous times ) WITHIN 4 BUISNESS DAYS, ITS BEEN 4 MONTHS. I have reported the data furnisher to the Attorney Generals office - XXXX XXXX due to Transunion negligence. They are in violation of the Fair credit report act 2009 ( a ), which is a FEDERAL LAW. FCRA 603 ( q ) ( 4 ) The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. " Last time Transunion XXXX, responded TransUnion has declined to block the information for one or more of the following reasons which were provided to you in the letter : a ) TransUnion has reason to determine that you have requested the block in error ; b ) TransUnion has reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) TransUnion has reason to determine that you obtained possession of goods, services or money as a result of the transaction at issue. Let me repeat this, 1 ) I DID NOT REQUEST THE BLOCK IN ERROR. 2 ) Transunion IS FALSELY ACCUSING ME of misrepresentation of facts, to a known identity theft victim. 3 ) I DID NOT RECEIVE ANYTHING FROM THIS FAUDULENT ACCOUNT. I have referred this to the office of the Attorney General of California - XXXX XXXX, and the XXXX XXXX - XXXX XXXX XXXX for data furnisher negligence / litigation. I am completely upset and absolutely disappointed with the service Transunion has provided me, I will be writing a letter to my local congressman on this issue as well.
Consumer complaint received 2021-05-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A. (NY)

I received an alert from my Credit monitoring service on XX/XX/2021 that accounts were opened in my name using my personal info, at PNC Bank on XX/XX/2021. I do not, nor have I ever had any past dealings with PNC Bank. I contacted PNC to alert them of this fraud and thankfully the accounts were subsequently flagged and closed before any transactions were able to take place.
Consumer complaint received 2020-11-14
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: Experian Information Solutions Inc. (FL)

The complaint has never been addressed by XXXX XXXX. The complaint is specifically addressing ONLY the reported missed monthly payments of {$1900.00} for the months of XXXX 2019 as reported to XXXX and Experian. The furnisher/ XXXX XXXX continues to report to XXXX  and Experian XXXX missed monthly payments of {$1900.00} for the period of XXXX 2019. This continues to be an erroneous report by XXXX. XXXX, a year after the note has been satisfied. 

XXXX. XXXX and/or representing XXXX. XXXX Attorneys or XXXX  XXXX  never provided notice, a request or filed any motion mandating monthly payments of {$1900.00} to my Attorney XXXX XXXX or to Judge XXXX of XXXX XXXX, Florida. There was no filed motion requesting monthly payments of {$1900.00} for 2019. Nor was any statement for 2019 received, submitted or demanded a monthly payment was due for any month in 2019 in the amount of {$1900.00}. As reported to CRA 's. 

All documents provided by XXXX. XXXX, were examined by Attorney XXXX XXXX, XXXX, Florida, Were examined by XXXX. XXXX Attorney 's and examined by Judge XXXX of XXXX XXXX, XXXX XXXX, Florida. No such request was ever made in 2019 to make monthly payments of {$1900.00} in 2019. 

Numerous requests under FCRA 623 have been requested from Mr. XXXX and to confirm accuracy of the reported erroneous missed monthly payments of {$1900.00} for XXXX.It is the obligation of the furnisher/ XXXX XXXX to correct or remove the monthly missed payments for 2019, per FCRA. Or remove delete the tradeline of misinformation. 

623. ( a ) ( 8 ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly -- ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information.

My request under FCRA 623 is the " accuracy of missed monthly payment of {$1900.00} for the period of XXXX 2019 '', not the validity of the debt. Two separate issues. To provide the documentation to evidence the monthly payment demand of {$1900.00} for 2019. 

This is now become willful harm, defamation and XXXX XXXX is never been able to confirm the accuracy thru any written correspondence, motion or demand of the reported missed payment for the period of XXXX 2019. Nor disclose a paper trail there was a demand for monthly payments of {$1900.00} for any month in 2019. Therefore, they are obligated by Federal FCRA guidelines to provide an " accurate history '' to a consumer 's credit bureau or delete the erroneous information from the CRA 's.
Consumer complaint received 2018-06-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I was notified, after disputing a collection on my account, that the account would be deleted. The account is being reported by a company by the name of XXXX XXXX XXXX. I have not borrowed a single XXXX from this company. I have no debt with this company and I never borrowed {$3700.00} from them. In fact, Ive never borrowed that amount from any other lender either. Which is why I disputed this account! I have asked for some proof of contract, with my signature, and the date XX/XX/XXXX, since thats the supposed date this account was opened on. None of this has been or could be verified by them. The account was in fact deleted from my credit reports on XX/XX/XXXX and I had also received notification from the Credit Bureaus that it was deleted. Between XX/XX/XXXX and XXXX XXXX this account was added back on to my credit reports. I received NO Notifications from any of the Credit Bureaus. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer, If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. I wrote a letter to the CB asking that they delete this collection immediately from my report because they broke the law and did not notify me of the reinsertion and This debt doesnt belong to me. The have yet to remove this account from my reports. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for their blatant disregard for the law. Therefore I am filing a complaint here, and with the XXXX, before taking legal action.
Consumer complaint received 2018-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I noticed that Equifax hasn't removed my bankruptcy from my credit report it's been 2 years I want it removed it should have been after 1 year. I submitted a dispute but it's still showing on my credit report