davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am writing this email after having been released from XXXX XXXX due to Bank of America 's ( BofA ) hostile act of retaliation and XXXX  abuse. I will also note that I am XXXX XXXX who served his country and a XXXX citizen surviving day to day due to BofA hostile acts of aggression. Please bare with me as I am struggling to write this XXXX 

On XX/XX/2022 in an email to BofA, I endured XXXX threats, XXXX discrimination and XXXX abuse from members of BofA. I specifically indicated, " 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 '' This fate has come true. 

On Friday, XX/XX/2022, I went to Bank of America, ( like I have for more than XXXX years as loyal and, preferred customer due to my strong assets ), and was informed that my business and personal accounts and savings accounts had been closed and was not permitted to remove assets because my accounts were frozen and seized by BofA. It also became clear that all the checks that I wrote to pay bills and pay my XXXX insurance and prescription for my medical problems and mortgage will be in default and declined and cause me severe health and financial damages. Furthermore, since I can not use my credit cards that were also closed and can not withdraw money because my debt cards were closed, I can not pay for my prescriptions for medical problems and quite possibly could fall ill and die. I will also inform family members, Department of Justice and XXXX XXXX Police Department so if I am found dead, they will know that members of BofA were responsible for my death. 

I called BofA and spoke with XXXX, supervisor, in a consented taped recorded conversation. XXXX confirmed that my accounts were frozen and seized by BofA and not permitted to withdraw assets as they now belong to BofA. She further confirmed that I was never notified in which I asked repeatedly why wasn't I notified in order to be given time to move my assets and time to go elsewhere to re-open a business account. I repeatedly asked XXXX why my accounts were closed and seized and she indicated BofA doesn't need to provide an explanation and can close and seize accounts according to the provision in my agreement. I asked her where was this written and she declined to explain. 

BofA has destroyed my life, my health and my business as I can not operate without assets or a checking account.
Consumer complaint received 2022-12-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LAKE MICHIGAN CREDIT UNION (MI)

I had an appointment with Lake Michigan Credit Union on XX/XX/22 to discuss mortgage forbearance from the CARES Act due to financial hardship from the pandemic. My mortgage is backed by XXXX XXXX and I'm not delinquent on payments. The employee handed me a Mortgage Assistance Application which required the following documentation : Borrower Assistance Form and Worksheet, Hardship Letter, 4506-T, last 30 days of pay stubs, most recent statements for all bank accounts, most recent utility statements, proof of obligations which contribute to your hardship, last two years signed Federal Tax Returns with all schedules, W2s and 1099s, and the most recent retirement account statement. I explained that the CARES act only requires that I report that I'm experiencing a pandemic-related financial hardship and that because my loan is backed by XXXX XXXX , I am allowed to request a mortgage forbearance without disclosing additional information. The employee made a phone call to another XXXX employee and shared what I said. After she got off the phone, I was told that even if the government said that there was no additional documentation needed, XXXX would still need it. I let the employee know that I would contact one of the agencies who help lenders navigate these requests and come back another time. After I left the office, I received a voicemail from another employee with XXXX. I returned the call and was pushed for more information about my need for a forbearance. I explained the CARES Act rules and that I could ask for a forbearance for up to 180 days and later request an extension. That my loan would still accrue interest but there would be no late fees and no report to the credit bureau that I was delinquent. How the missed payments would be repaid would be figured out between me and XXXX. The employee acted like she didn't know about these rules and kept pushing me for personal information so she would know which forbearance plan would best suit my needs. She also said that a forbearance might still negatively affect my credit and the missed payments would be due in one lump sum after the end of the forbearance. I explained that the CARES Act prevents mortgage services from requiring a lump sum repayment unless the borrower chooses to do so. I added that a foreclosure notice would be much worse for my credit than having a mortgage loan that wasn't decreasing in amount. I again shared that I would be reaching out to an outside agency to help me navigate this issue.
Consumer complaint received 2018-08-12
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Reese Law Group (CA)

COMPANY FILED LAW SUIT AGAINST ME WITHOUT ME BEING SERVED, AND DOCUMENTATION WAS SAID TO BE DELIVERED IN PERSON TO ME BUT I WAS IN XXXX.I HAVE EVIDENCE I WAS IN XXXX.COMPANY SAYS THERE A COLLECTION COMPANY BUT USES LAW FIRM ADDRESS.COMPANY IS TRYING TO ASK FOR MORE THAN OWED.COMPANY USED DECEPTIVE ACTIONS TO GET A JUDGEMENT IN THE RENEWAL OF THIS CASE.
Consumer complaint received 2018-08-13
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Investment Retrievers, Inc. (CA)

XX/XX/XXXX - Called my ex-wife of 20 years ago to discuss my finances. 

XX/XX/XXXX - Told them to stop contacting me or anyone else. 

XX/XX/XXXX- Just sent me another email threatening me they are going to contact my landlord and other companies that I have worked with. 

Yelled at me ( ALL CAPS ) in an email asking me why I don't file bankruptcy and commenting on my financial situation.
Consumer complaint received 2018-08-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (FL)

in XX/XX/XXXX I purchased a XXXX XXXX of the year at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX and it was financed by GM FINANCIAL, on XX/XX/XXXX the car was total lost as a result of a car accident, my insurance company ( XXXX ), the guarantee of the car and the company of the GAP paid the total amount of the car all this hard process star in XXXX of the XXXX until XXXX of the XXXX, in XX/XX/XXXX of the XXXX I received the bill of GM FINANCIAL where it shows me that my account is in XXXX  and is closed. Since the end of XX/XX/XXXX I am calling the company GM FINANCIAL because I review my credit report and it appears that I am owed the amount of {$4100.00} since XX/XX/XXXX to this company, I have called GM FINANCIAL two or three times a month since the end of XXXX asked the company to fix this problem, and every time I call they tell me that I have to wait, that the system does not work, that the program they have to close the accounts is not working etc ... I do not know what to do and my credit report score still low. I would appreciate the help you can give me to this matter. 

thank you.
Consumer complaint received 2018-08-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (FL)

This is a complaint against NATIONAL CREDIT SYSTEMS , INC . I am a victim of identity theft, and you are reporting a personal loan, opened without my permission and without my authorization, under fraud. In this way they hagp delivery of all the documentation of identity thef
Consumer complaint received 2018-08-13
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (IN)

I have recieved approximately 10 calls from a company called Navient over the past month from several different numbers. The most recent, an XXXX number, but others were from Texas area codes XXXX and XXXX. Another came from an XXXX number. Each time, the individual states that they are from Navient in regards to student loans and will ask to speak to an XXXX XXXX. I then inform them that I have no idea who XXXX is or and that they must have the wrong number. I am then apologized to and informed that it must be a mistake and they will remove my number from whatever list of information they have. A few days will go by, sometimes longer, sometimes the very next day, and the process will repeat. 

I'm puzzled as to how they believe I'm connected with this lady as I don't even know who she is. I looked for a way to contact the company to report the issue to an individual other than those in the call center, but without having a loan through them myself, I can only get to the automated answering machine.
Consumer complaint received 2018-08-12
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: EQUIFAX, INC. (GA)

****** XXXX ***** Inquiry details Equifax Mort Inquiry from XX/XX/2018 Misc. 
XXXX XXXX Inquiry from XX/XX/2018 Misc. 
XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX Equifax XXXX : Inquiry details XXXX XXXX, Inquiry from XX/XX/2018 Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/2018 Miscellaneous Reptg. Agencies XXXX XXXX, XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 Personal Loans Cos. 
XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2018 Automobile Dealers, New
Consumer complaint received 2022-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CNG FINANCIAL CORPORATION (DE)

AXCSSFN/CNGO XXXX XXXX XXXX Account XXXX : XXXX Account Type : Installment Account Type - Detail : Unsecured loan Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : Balance : {$0.00} No. of Months ( terms ) : 17 High Credit : {$2500.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Collection/Chargeoff Last Reported : Comments : Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor. 
Sold to : XXXX XXXX XXXX, XXXX XXXX XXXX NEVER LATE, ACCOUNT WAS PAID AS AGREED. 
Date Last Active : Date of Last Payment : Two-Year payment history Month 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 this company has provided no proof but still reports incorrect in complete information on my report please remove trans and XXXX have removed this account due to incorrect information
Consumer complaint received 2018-08-11
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GREAT LAKES (AK)

I paid a monthly amount to XXXX XXXX thinking it was going towards my student loan debt, unfortunately it wasnt. Every service they provided me I was already doing on my own, I honestly thought my low monthly payments was paying my student loans. The monthly payment was for their service, and Im really disappointed because i didnt call them or talk to them them and I still got got charged monthly service fees. I cancelled with XXXX XXXX, asked for a refund and would not give me it.
Consumer complaint received 2018-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Cascade Collections, Inc. (CO)

this debt is over 9 years old and is listed as closed on XXXX and XXXX  the dates are changed and has been removed from all 3 reporting agencies at least 3 times over the last 6 years
Consumer complaint received 2018-07-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (WI)

I refinanced my {$41000.00} of Discover student loans with XXXX XXXX XXXX. On XX/XX/18, XXXX XXXX XXXX dispersed a payment to Discover that equaled the payoff amount. On XX/XX/18, Discover had only processed half of this payment. I called to ask when the second half would be processed and they said it would be completed as soon as possible, and would be completed in 3-5 business days. On XX/XX/18, the entire payment had still not been processed. I called again and they said the remainder would be processed as soon as possible and would be completed in 3-5 business days. On XX/XX/18, the entire payment had still not been processed. I called and spent 58 minutes on the phone with a representative who could not provide an answer as to why the payment had not been fully processed and could not provide any additional information.
Consumer complaint received 2018-08-13
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. (MI)

I have a Hard Inquiry for a request for Credit I DID no authorize from a division within XXXX   XXXX XXXX. Additional there is no contact information in my credit report to directly dispute with the company that entered the data. ( under FCRA law this should be there. classified as " missing information '' )
Consumer complaint received 2018-07-13
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. (IL)

XX/XX/2018, I sent correspondence to the bureaus regarding fraudulent accounts that are on my credit report. The fraudulent account is still listed on my credit report. Pursuant to Section 605B of the FCRA i would like to have this fraudulent item blocked.
Consumer complaint received 2022-11-26
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. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-12-03
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 — Investigation took more than 30 days
Company: BSI Financial Holdings, Inc. (OR)

In XX/XX/2022, I applied for the covid-19 forbearance that was offered on the company 's website, which stated it would not report any late payments during this process. I had covid in XXXX XXXX and wasn't fully recovered, losing work time that decreased my income in half. I was informed by a company representative on or around XX/XX/2022 that I was approved and that my covid-19 forbearance loan representative would contact me with the details of the forbearance. my contact person XXXX XXXX XXXX. I contacted and talked to XXXX XXXX XXXX at or around Ending of XX/XX/2022. I was informed that he would look into the forbearance and I informed him how I was informed that I was approved. I XXXX XXXX that I had a late payment for my XXXX payment I was informed by XXXX XXXX what I wanted him to do regarding my account and, I stated that my late fee is removed because I was informed that I was approved for the covid-19 forbearance. I wrote a letter to the CEO to address this issue and received an email from XXXX XXXX XXXX. I was informed that they would not retract to late charge on my XXXX even though I was informed that I was approved for the forbearance that on their website says they will not report late payments during the process of a forbearance. I was lied to and due to the company 's representative 's deception and error, my credit rating was decreased by XXXX XXXX due to this company 's error. The late fee in XXXX needs to be removed due to I was misinformed by this company.
Consumer complaint received 2022-11-26
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. (MI)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction
Consumer complaint received 2018-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (GA)

XXXX has reported a collection item on my credit report that is not a valid debt to them. In fact, XXXX assured me my account was corrected in XX/XX/XXXX via phone, and I was surprised to see a collection item on the credit report through XXXX XXXX. 

The context for the issue is that in XX/XX/XXXX, I contacted XXXX advising I would be moving from XXXX, GA to XXXX, GA in a new neighborhood, and I wanted to find out if they could transfer my service. I was told the review would take approx 7 business days and then I would have answer. The rep told me my ticket number was XXXX. I was told if XXXX was not able to move my service, they would cancel my account and not charge any early term fees. 

I moved into my home on XX/XX/XXXX and checked on the status. XXXX had lost the request, then they said it would take longer than a week. It ended up taking until XX/XX/XXXX before I got a response. In the meantime, while XXXX was trying to figure out whether they could move my service, they were charging me monthly for a cable service I could not even use. When I finally got the answer in late XXXX, I was told to turn in my equipment so that they could close my account. I made payments which should have brought my account to XXXX and was still charged even more money. 

I spoke to a representative in XXXX who assured me the account would be credited and my bureau would be updated. The representative also told me there were notes on their system of record confirming everything I was relaying to her. As of XX/XX/XXXX, it appears as though they may have credited my account, but my credit bureau still reflects a collection item which is impacting my score. 

I want XXXX to make sure my account is closed with a XXXX  balance, and to make sure the credit bureau collection item is removed promptly.
Consumer complaint received 2018-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (TN)

Synopsis : Barclays has negatively impacted my credit score by  reporting I have missed payments twice in a row. However, these missed payments were due to their auto-pay system and customer service agent error. 

Timeline of events : > XX/XX/2018 * Setup Auto-Pay & received email verification. Nowhere did it state that auto-pay takes one full billing cycle to take effect. 
> XX/XX/2018 * 1st missed payment due to crooked Barclays misleading auto-pay system > XX/XX/2018 * When I realized the auto-pay didn't work, I called crooked Barclays to dispute 1st missed payment which brought my credit score down almost 100 points. 
* Barclay customer support agent credited late fee back, cancelled auto payment and posted payment of {$60.00}. 
* She assured that my auto payment for XX/XX/XXXX would come out automatically. 
> XX/XX/2018 * Payment of {$60.00} posted. 
> XX/XX/2018 * Auto-pay for XX/XX/XXXX should have come out but did not due to being cancelled by Barclays customer support agent on XX/XX/XXXX. 
> XX/XX/2018 * Called crooked Barclays to dispute 2nd missed payment * Spoke with a supervisor from crooked Barclays. She told me that the late fee would be credited on my next statement and that she would file a formal complaint so that my credit score would not be affected adversely again and also so this would not happen again since it was an agent error. 
* She said the auto payment of {$50.00} was setup now to come out on XX/XX/2018. 

Conclusion : I do not trust Barclays nor do I feel anyone should after what I've been through. I appreciate the supervisors assistance, however, I do not want to sit by and this happen again. I'd rather have this documented and also allow others to be aware of this crooked credit card company. I intend to pay this iPad off very soon and be done with them.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports