davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BBVA FINANCIAL CORPORATION (CA)

Problem is BBVA Compass Bank explicitly told me it takes them two days to process a payment. ( the representative told me this ) so if the due date is XX/XX/XXXX, and my banks online payment check arrives on the XX/XX/XXXX, the two days of processing incurs a late fee even though the payment arrived on time, the XX/XX/XXXX. In order to avoid the late fee, they claim I need to have the payment arrive two days BEFORE the due date. 

Most recent example was this : My bank 's online check ARRIVAL date was set two days prior to BBVA Compass Bank 's due date of XX/XX/XXXX. So the check arrived on XX/XX/2018 which is a Friday. The payment finally posted to my BBVA Compass Bank account on XX/XX/XXXX. XX/XX/XXXX is a Saturday, the XX/XX/XXXX is a holiday the XX/XX/XXXX is working day and they post the XX/XX/XXXX. {$37.00} late fee is charged. 

This is the fourth time I have called BBVA Compass Bank on this problem. They can not have a certain due date, then claim it takes two days to process and charge a late fee. They need to have the late triggered two days AFTER the due date if they want to process for two days. 
I called BBVA Compass Bank and they reversed the fee but charged a minimum {$1.00} in interest fees
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

this CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, that Equifax credit reporting agency , block information appearing on my consumer credit report, that is the result of identity theft and fraud within 4 business days of you receiving this complaint This fraudulent, inaccurate, and false information consists of a debt account opened at Texas office attn general on XX/XX/XXXX XXXX under the account numberXXXX with a balance of XXXX this account have resulted in several fraudulent late payments and fraudulent debt appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts debt, or Late payments as reported. The aforementioned accounts, debt, and Late payments appearing on my report. The aforementioned accounts, debt, and late payments appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, debt, and late payments are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, are the result of identity theft and fraud
Consumer complaint received 2018-09-07
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXXXXXX XXXX XXXX ordered the Trustee ( XXXX XXXX ) to illegally foreclose on my property and now they refuse to provide information to identify which entities the monies where distributed to with my equity. There are clear fraudulent activities taking place with total lack of transparency and accountability on XXXX 's part. 

On multiple complaints I requested for simple identification of the entities that had beneficial interest and to whom the funds were disbursed to. The response and answer clearly indicates that XXXX is hiding critical information and committing fraud. 

Their response is as follows : " Please be advised, when there is a foreclosure on a property, there is no HUD information provided. That document is only provided when there is a sale or short-sale of a property. Regarding the names of the entities that funds were disbursed to, since this was after the property was foreclosed upon, you no longer had interest in the property, and XXXX is not required to provide that information to you. '' Apparently they're continuing to charge to the account long after the property foreclosed according to XXXX 's provided internal report and records.
Consumer complaint received 2018-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have contacted all 3 credit reporting agencies regarding a XXXX XXXX account financed through XXXX XXXX. This is not a duplicate! I have contacted XXXX XXXX on numerous occasions and have constantly been redirected by their customer service center. Below is a description of my complaint. The times purchased were from years ago and I resolved this matter with XXXX XXXX, please see notes below. I am standing on the fact that I bought used furniture and the store refused to take the furniture back. I asked the 3 credit reporting agencies to conduct an investigation into this matter as the store has not been able to assist me. 

I did receive a letter from XXXX stating this information is not reporting on my credit file, however, when I looked at my credit file again XXXX XXXX is still listed. 

In 2013, I purchased a sofa and chair from your XXXX XXXX, IL location financed through XXXX XXXX. This letter is to bring to your kind notice the inferior quality of the furniture supplied by your reputed showroom to my apartment. 
Unfortunately, the furniture I purchased was of such poor quality I eventually had to discard. The mentioned pieces of furniture started losing their shine and quality in no time. Further, the sofa collapsed a month after purchasing. I contacted the store not long after and the manager said he would settle the account and take off an additional 40 % on what was owed as he could not take the furniture back. I believe at the time it was a little over {$300.00}. However, when pulling my credit report I noticed that this account was listed as me owing over {$900.00}. I am very distressed that the information below was included in my credit profile due to its damaging effects on my good credit standing. I am asking that you please investigate this matter as soon as possible.To my knowledge this account had been paid off many years ago. 
Conditions of Furniture : -The furniture appeared to have been lived in. I found food, headbands, and other personal items in the inside. -Not in the condition guaranteed by the store -Furniture badly damaged when transported from showroom to apartment. 

I was extremely disappointed in the furniture I purchased and now this outstanding debt. I believe XXXX XXXX is selling pre-owned furniture. there is no way the pieces I bought were only in their showroom and this badly damaged.
Consumer complaint received 2018-11-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

Applied several times and was denied by Ocwen financial servicing for a modification loan, even got 3 jobs and was still denied. Filed bankrupcy in XX/XX/2017 and then got hurt in job and couldnt pay bankrupcy payments and so it was dismissed. Please help. XXXX XXXX XXXX
Consumer complaint received 2018-11-02
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: Experian Information Solutions Inc. (LA)

For the past 2 years I have been trying to get XXXX XXXX credit off of my report. I have never had a card with them, and have already went the route of the dispute. I have contacted them on no less then 50 occasions, to no avail. The account is not mine, nor has it ever been.
Consumer complaint received 2018-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I received a copy of my credit report and am disputing some items that need to be deleted. I have attached the disputed items on the attached copy. The reasons why these items should be deleted are indicated below : A. XXXX XXXX ..XXXXXXXXB. XXXX / XXXX XXXX XXXX C. XXXX XXXX /XXXX XXXX XXXX XXXX D. XXXX XXXX XXXX 1. Debt ( s ) has been satisfied 2. Statue of limitations 2012 one ( A ), ( C ) & ( D ) Pursuant to FCRA 611 ( a ) 15 USC 1681i ( a )
Consumer complaint received 2018-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America Holding My Money Causing Non-Sufficient Funds On XX/XX/2018, I transferred {$3400.00} from my Bank of America ( BOA ) checking account # XXXX to my BOA Over Draft Protection Account # XXXX. ( See Exhibit 1 ).  This shows Payment Date XX/XX/2018 but not credited until XX/XX/2018. ( See Exhibit 2 ). BOA held or froze the {$3400.00} in my checking account and I was unable to use this money, causing 5 Non-Sufficient Fund ( NSF ) BOA charges totaling {$150.00}, plus having late charges with at least 1 of my creditors. ( See Exhibit 3and Exhibit 4 ). BOA Account Detail shows the money was taken XX/XX/2018 and not XX/XX/2018. ( See Exhibit 5 ). If this was the case, then the {$3400.00} in my checking account should have be availably to use and I would not have these NSF or Late Payments hurting my credit score.
Consumer complaint received 2018-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

Previously, I filed a complaint XXXX against J P Morgan Chase for their improper entrance and stealing monies from my personal account. In their response to my CFPB complaint, they in turn wrote AND included a response letter to our Bankruptcy Attorney ( XXXX XXXX XXXX ). The XXXX XXXX XXXX, does NOT represent us in our Consumer Financial Protection Bureau filed complaint. J P Morgan Chase, violated my right to privacy by including response letter 's to an attorney that doesn't represent me in my filed complaint. Nor did we include the XXXX XXXX XXXX in our complaint as our representative ( s ). J P Morgan Chase, have violated our privacy rights by including the XXXX XXXX XXXX in our filed CFPB complaints. Moreover, in retaliation, J P Morgan Chase have began to continue their harassment by accumulating monies deposited into my account. Further, J P Morgan Chase in their response letter addressed to the XXXX XXXX dated XX/XX/2018 is full of lies. J P Morgan Chase, began stealing monies from my account beginning with {$2.00} that they have yet to return to my personal account. J P Morgan Chase, began stealing monies from my personal checking account in an attempt to collect monies from another customer. As of today, J P Morgan Chase have continued to DISCRIMINATE and HARASS me via my personal account by accumulating monies deposited to cover previously written checks and personal insurance premiums. This is formally called REPRISAL/RETALIATION for my previously filed CFPB complaints. ALL SUPPORTIVE EVIDENCE WILL BE SENT VIA FAX AND IS STRICTLY FOR THE USE OF THE CFPB NOT THE XXXX XXXX XXXX AND ANY OTHER ENTITY THAT CHASE DECIDES TO SEND THEIR RESPONSE LETTER 'S TO. THE END!
Consumer complaint received 2018-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

My identity was compromised in XX/XX/XXXX. I purchased credit monitoring package from XXXX including all 3 credit reporting agencies. There was about 8 accounts opened with my ssn but we caught it in time so they couldn't do serious damage. Recently these fraudulent accounts have been removed from my record by XXXX and XXXX XXXX. No luck with Equifax. After numerous security questions they told me I failed to identify myself. 3 days later I tried to use my XXXX XXXX card but they told me it was cancelled by Eqiufax.  That was true embarrassment but card was dead. Card was issued by XXXX XXXX, so I checked other accounts related with XXXX XXXX.Sure enough, XXXX XXXX card with only {$150.00} balance, cancelled, XXXX card, cancelled. Obviously they couldn't touch or close real banks like XXXX  XXXX XXXX and XXXX XXXX. These accounts they didn't close. 
When I called them originally, I gave them the fraudulent accounts and they had those anyway, they still closed all my accounts with XXXX XXXX XXXX. Do they have right to do that, who are they protecting, I am the victim, and they are just punishing me even more. Never the less was their customer service. Beyond comprehensive. I kept on telling them that I can not understand what they are saying, but they kept saying, what is so hard to understand. Sorry, cant speak XXXX XXXX or XXXX. 
Can anyone stop this Equifax from torturing hard working people in this country
Consumer complaint received 2018-11-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (TX)

This company Professional Debt Mediation is trying to collect {$1000.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Professional Debt Mediation with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Professional Debt Mediation. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and Professional Debt Mediation. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Consumer complaint received 2018-11-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

This company NCA is trying to collect {$110.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from NCA with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay NCA. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and NCA. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Consumer complaint received 2018-11-04
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: PENTAGON FEDERAL CREDIT UNION (CA)

Dear Sir, OnXX/XX/2018 I filled out an application for investing in certificate of despite accounts for {$200000.00} Penn Fed Credit Union automatically checks credit which effects my credit score. When I contacted them about my application. They had no record of it. They said I would have to apply again and my credit would have another hard inquiry. They also informed me that they keep these on line applications for 90 Days. Well again they don't have mine. They offered me no solution. I made two attempts to have this resolved by phone. I could write a certified letter however I believe this is unfair so I'm hopping CFPB can help. My credit score is excellent and I want it to stay that way. I am XXXX yeas old and have maintained excellent credit all my life. XXXX is involved.
Consumer complaint received 2018-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA (KS)

Paid by phone as I have for 20 years received confirmation then notice by mail payment rejected same bank 20 years. Call customer service big joke no answer late charges hike interest rate. Really? Are there laws protecting consumers? This is fraud!
Consumer complaint received 2018-11-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (TX)

On or about XX/XX/2016, I was fired form my job as a XXXX XXXX XXXX at XXXX XXXX XXXX - XXXX, TX. My mangers asked me about my occasional XXXX. 

I was mot missing time from work and I also had approved XXXX with unlimited absences. I also had nearly 200 hours of PTO untouched. When I did not allow them to violate my HIPPA rights, I was told to update my medical status as soon as possible. My doctors arrange 5 referrals visit for me during the first week of XX/XX/XXXX When I presented this list to my management on XX/XX/2016, I was released without cause or explanation. 

My condition worsen. XXXX XXXX, XXXX XXXX, and positive XXXX XXXX screening is what I am facing today. Despite my issues, I have been actively seeking employment despite my physical appearance. 

XXXX was already under internal and external investigation for similar actions against employees. my medical coverage was terminated before I could make the badly needed appointments. To make matters worst, they continues to show me as employed with medical coverage in place. This action prevented me from purchasing affordable coverage as well as qualify for XXXX XXXX indigent coverage. I hired attorneys to help with this case and a second attorney to address my XXXX benefits. My condition worsen and I had emergency XXXX XXXX in XX/XX/XXXX.
Consumer complaint received 2018-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP (WA)

On XX/XX/2018, I was charged a service charge of {$7.00} due to holding a balance of less than {$500.00}. 

Keybank misplaced a deposit on XX/XX/XXXX which would have put my account well over the threshold resulting in me nor being charged. They still have not found the deposit and have just lost another one over {$1000.00}. 

Keybank is just very, very bad at what they do and they charge a premium for it. 

I want the {$7.00} fee refunded. I also plan to sue for the {$1200.00} and haven't begun collection process for their most recent blunder.
Consumer complaint received 2018-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been a BANK OF AMERICA customer for over 10 years and never had any problem till recently when i had lost my card at a XXXX gas station in month of XX/XX/XXXX. This is what happened i went on line on XX/XX/2018 to make a payment on my credit card that was issued by BANK OF AMERICA and noticed many transaction on my statement that was not authorized by me nor anyone i know, i immediately contacted bank of america and notified them about these unauthorized charges and the gentleman that was helping me asked me if i have my card on me and told them let me check and told him i can not find my card i think it is lost. Right after that he told me he is going to block that card and he is going to issue me a new card also told me that i am not going to be responsible for any of these unauthorized charges and we went on list of the transaction that was done fraudulently and they give me a case number and that was the end of conversation. A day later i git an e mail that my new cards on the way and i looked at my  statement and noticed that my account was credited {$1200.00} which that was not the correct amount the correct amount was over {$13000.00}, i immediately contacted bank of america and this time i spoke to a lady that we had to do the same thing go over all the charges and they said that they are sorry and they credited my account for the difference. I assumed everything was final because i never got a fraud package from them but i got an email that said the money was credited to my account they are taking back because there was three charges that i disputed originally and the person was taking the note from me forgot to put those charges in their notes and base on that they are telling me all the other charges are mine. which is the reason i am here to solve this issue because no one needs to go through what i am going through. Please HELP ME.
Consumer complaint received 2020-06-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monterey Financial Services LLC (KY)

I have asked for validation of this alleged debt many times. This was attached to my credit report in 2017. I have disputed this matter many times and have not gotten a response. I now see the status of this alleged debt is : " Dispute resolved by grantor. '' I never got any response in the mail regarding this issue.