davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX, I was in XXXX, XXXX and made a purchase with my Bank of America credit card there using the chip.

On XX/XX/XXXX, I received a notification from BofA that they suspected fraud on my account. I immediately called BofA and they notified me that three charges had been made to my card on XX/XX/XXXX in XXXX XXXX, XXXX XXXX. ( I later found out that one of these charges had been made within 55 minutes of the time that I used my card in XXXX, XXXX. ) I confirmed to BofA that my card was in my possession and that the three charges in XXXX XXXX   were in fact fraudulent. BofA issued me a statement credit.

On MXX/XX/XXXX, I logged on to my BofA online banking and noticed for the first time that the credits BofA had issued me for the three fraudulent charges had been reversed on XX/XX/XXXX I immediately called BofA to find out why, and was told that they reversed the charges because their internal investigation had revealed that my chip was used in the three XXXX XXXX charges so I would be liable. The person I spoke with indicated that BofA 's position is that it is impossible to counterfit a chip. At this time, I explained that on XX/XX/XXXX I was in XXXX  and had my card with me and had in fact used it in XXXX on that day. I asked the representative to pull the time stamp of the charges and he at that time confirmed that he was able to verify that my chip was also used in XXXX onXX/XX/XXXX and that the charge in XXXX, XXXX and one of the charges in XXXX XXXX were made within 55 minutes of each other. I explained that with air travel it takes over 3 hours to get from XXXX XXXX to XXXX, and that it is not possible for my card to have been used in XXXX XXXX 55 minutes from the time it was used in XXXX, XXXX. The representative said he would ask for the investigation to be reopened and for the fraud dispute credits to be reissued in the interim while it was being reinvestigated.

On XX/XX/XXXX I logged back on to my BofA online banking and the fraud credits had not been reissued. I called again and spoke to BofA who confirmed the fraud credits had not be reissued. The dispute department was unable to help me on my call.

Unless the laws of physics do not apply to Bank of America 's chip cards, my card was not in both XXXX and XXXX XXXX within 55 minutes. Either ( i ) the chip in my card was counterfit, in which case Bank of America ( and other US card issuers ) have a big problem on their hands that they should be working to solve ; or ( ii ) BofA is lying to me ( either intentionally or because their investigation was performed negligently or incompetently ) when BofA tells me that my chip was used in the three fraudulent XXXX XXXX transactions. The credit for the fraudulent charges should be reissued to my account.
Consumer complaint received 2018-05-12
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: Experian Information Solutions Inc. (TX)

I have recently reviewed my credit report and noticed unauthorized inquires. I then faxed and mailed letters on XX/XX/XXXX disputing these unauthorized inquries. All credit bureaus responded with letters on XX/XX/XXXX, stating that all the inquires were accurate and verified, sending no proof that I authorized these inquries.
Consumer complaint received 2018-06-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

I have a mortgage with Wells Fargo. I have never missed a payment nor been late. I have requested over the years to have PMI removed from my account. Wells Fargo said that I would have to pay {$500.00} for an appraisal. 

I refinanced my home about 4 years ago and the market was awful. They gave my townhouse a low valuation.

The market has drastically rebounded in California. I have paid close to {$10000.00} in PMI over the life of my loans.

I have spoken to Wells Fargo on multiple occasions.

They will remove the PMI in a couple of months with a LTV ratio of 80 %.

My townhouse was valued at approx $ 200K during the refi and the unit in the back sold for $ XXXX last year. 

I explained to Wells Fargo that my property tax and escrow continued to increase due to the property value. They would not make any concessions to assist me.
Consumer complaint received 2018-06-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelson and Kennard (CA)

I was working with a debt consolidation company to resolve some debt. XXXX XXXX agreed to settle my debt for 30 % of the balance over 3 payments. The payment schedule was {$290.00} on XX/XX/XXXX ( completed XXXX {$1200.00} on XX/XX/XXXX ( completed ) and {$1200.00} on XX/XX/17. The final payment XXXX rejected and reversed they terminated the settlement offer and ended up selling the debt/hiring someone to try to resolve again. I filed a complaint against XXXX XXXX and was told by their response that the payments were late that is why the voided the settlement. I contacted the consolidation company I was working with XXXX XXXX XXXX and they advised me that payments were made electronically through a 3rd party payment account and payments were made timely as negotiated for the settlement. XXXX XXXX did not provide any proof that the payments were received late only wrote dates in a letter format. They have sold/contracted Nelson and Kennard to attempt to handle this account and they have already threatened litigation against me. I have sent in proof of the settlement agreement and explained what was going on and they have never contacted me back. I have called about 5 times now and found that they already started paperwork on litigation.
Consumer complaint received 2018-06-26
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: Experian Information Solutions Inc. (IL)

On XX/XX/2018 I wrote a letter addressed to the Bureaus to have these accounts removed from my credit because they are fraudulent. Ive made several phone calls and they still have not removed the accounts from my report. Please assist me with removing these fraudulent accounts from my report. I have already submitted to them that I was a victim of identity theft and i provide the identity theft report and these items are still on my report. Please assist me.
Consumer complaint received 2018-06-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (IL)

To Whom it may concern, I'm have recently look in the details to monitoring my credit for future endeavors to set things in place for retirement etc. and I discovered a overload of items/ accounts I was not aware of, I'm not sure where these charges and accounts could have activated nor when however these are not my account .I 've tried to call to verify with these companies to little ( or no ) avail .I feel overwhelmed and stuck in moving on ward and upward.
Consumer complaint received 2018-06-27
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Clark County Collection Service (NV)

To Whom you may Concern, I have recently been looking at my future to try establishing my credit to get resources that would hopefully help my future be secure, however I have come across complication on credit that is questionable and I need these to be corrected .I am in hopes that all things can be corrected and solved so I am able to move onward and upward to have better and greater future. 

Thank you in Advance Respectly, XXXX XXXX
Consumer complaint received 2018-06-26
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. (GA)

I recently received a copy of my credit report file and noticed that there were several unauthorized credit inquiries showing in my credit file. I had a fraud alert placed on my credit file that indicates anyone who is trying to run my credit needs to call me and verify that fraud activity isnt occurring. Ive reached out to the credit bureaus on several occasions trying to explain that my rights as a consumer were violated because my credit was pulled without my permission and nothing has been done to correct the issue. Many of the inquires is dating back from XX/XX/2016. Ive been very professional at trying to get the unauthorized inquires removed from my credit file but now Im frustrated because Im being treated as if Im the one whom authorized the inquires.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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 Auto Loan opened by XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, A Credit Card opened by XXXX XXXX XXXX XXXX on XXXX under the account number XXXX, A Personal Loan opened by XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, A Loan ( Mobile Phone ) Opened by XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, and a Personal Loan opened by XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under the account number XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries 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, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2018-06-26
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. (GA)

I recently received a copy of my credit report file and noticed that there were several unauthorized credit inquiries showing in my credit file. I had a fraud alert placed on my credit file that indicates anyone who is trying to run my credit needs to call me and verify that fraud activity isnt occurring. Ive reached out to the credit bureaus on several occasions trying to explain that my rights as a consumer were violated because my credit was pulled without my permission and nothing has been done to correct the issue. Many of the inquires is dating back from XX/XX/2016. Ive been very professional at trying to get the unauthorized inquires removed from my credit file but now Im frustrated because Im being treated as if Im the one whom authorized the inquires.
Consumer complaint received 2020-10-25
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO. (FL)

A final judgement for Dissolution of Marriage between XXXX XXXX XXXX and XXXX XXXX XXXX was issued on XX/XX/2012 in Case Number - XXXX XXXX. Please visit XXXX XXXX XXXX for a copy of the court document. 

The XXXX XXXX XXXX in the amount of {$150000.00} and JCMCB Home Lending in the amount of {$28000.00} are outstanding debts related to the marital home. Per the final judgement, the marital home was awarded and deeded to XXXX XXXX XXXX AND is 100 % financially responsible for all of the mortgage payments, insurance, taxes, and all associated debts related to the marital home. She was also ordered to remove my name from all mortgages and financial obligations related to the marital home by XXXX XXXX XXXX  OR put the marital home up for sale. 
According to Florida law, the Mortgage Note and the Warranty Deed are ( 2 ) separate legal instruments, independent of each other. I believe XXXX XXXX XXXX and JCMCB Home Lending, the lenders, breached Florida contract laws implied covenant of good faith and fair dealing by modifying a mortgage contract without mi signature and still hold me financially responsible. 

I hereby dispute both accounts as she has modified both loans in her name as single and unmarried AND it is still reporting on my credit as XXXX XXXX is currently in contempt of court for failing to remove me from the mortgages or dispose of the property in a timely manner. Both lenders, having knowledge of the final judgement based on the loan modification, are still reporting on my credit profile which is a direct violation of the Fair Credit Reporting Act in my opinion. The Banks knew the terms of the final judgement and modified the loans instead of refinancing them. The banks had the opportunity to refinance or let her assume the mortgages based on the same terms of the modification since it is based on her income and credit as well. As per the court order she is 100 % financially responsible for the debts related to the marital home. A copy of the Deed to the property and proof of the loan modification can be found at the website listed below. XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX )
Consumer complaint received 2018-06-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (CA)

I'm a cosigner on a loan with XXXX. We've been trying to refinance our loan with another private lender due to horrible customer service ( they will not answer questions and avoid them at all costs over the phone ) and extremely high interest rates 11 % +. 

We sent in an application to refinance with another company and one of the things the requested was an official document from XXXX saying that the loan was current. We had just paid the monthly balance for the XXXX loan and requested a document that said that we paid, and XXXX said that it would take them about 10-14 days to be able to give us the document so that we could be approved with the other company. We called multiple times to see if they could speed up this process, but they said this is official procedure and that it takes that long to be able to send it over. By the time we got the document we needed from them, the loan was now overdue again and we had to repeat the process all over again. It was pretty clear to us that they wouldn't send over the document in a timely manner so that we couldn't refinance the loan with another company. This process repeated for 2 months until we finally got the document needed so that we could move to another company. 

Then, after we got approved with another company, the new lender tried to pay off the balance of the loan - however XXXX will not take an electronic payment and requires a check to be sent through the mail. When I called XXXX to see why we still had a balance on our account, they said it's because it takes them XXXX days to process the check and that the balance will be reflected once they cash it XXXX whenever they decide to do so ). I asked them if they had received the check already being it was sent last week and they wouldn't tell me if they did. They also said that I'm accruing daily interest, even though the check has already been sent to them, and I'll have to pay that interest until they cash the check. The problem is that they won't tell me if they have the check, or when they'll cash it, and they're threatening to report me to a credit agency even though there's a check for the full amount of the loan already in the mail ( or in their hands XXXX. 

I've tried asking simple questions multiple times such as " do you have the check yet '' and/or " what dates would you report me to the credit agency on '' and all the say is they can't answer those questions. 

It's pretty clear that they have all of these policies in place to make it as difficult as possible to refinance with a different company and continue to collect more money from customers without the ability to pay off the loan in full ( in a timely manner ).
Consumer complaint received 2018-06-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Brock & Scott, PLLC (GA)

In XX/XX/XXXX, I received a notice from Brock and Scott in reference to a XXXX card I had. My first payment for this garnishment was in XX/XX/XXXX and ended in XX/XX/XXXX. This garnishment stopped on XX/XX/XXXX ( dismissed ) due to me paying. I just recently bought a house. A few weeks ago my HR director called me in the office to advise me that this same company is garnishing my check again. I called Brock and Scott on XX/XX/XXXX and spoke with XXXX. I asked XXXX, why did no one call me and send any notice to me. She said they sent it back in XX/XX/XXXX and it came back undeliverable. I advised her that is not true because this is the exact same address they had when they did the first garnishment. XXXX, then advised me to hold on. When she came back to the file she advised me that they will send me a copy of. On XX/XX/XXXX, someone left a someone left an envelope on my door. It was the garnishment documents that they claimed they sent in XX/XX/XXXX and to my old address that is listed in the paperwork. XXXX, advised me that the new filing letter was sent on XX/XX/XXXX, but came back undeliverable. On XX/XX/XXXX the attorney submitted a new filing. I asked her could she send me ALL paperwork pertaining to this. She said that she has too speak to her manager. I also advised her since I never received any type of notification from them. She then asked me is there anything else she can do. I advised her again this is paid per my last paperwork.
Consumer complaint received 2018-06-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Amsher Collection Services, Inc. (IL)

Purchased a coat on XX/XX/2016 at XXXX 's in the amount of {$140.00}. Paid with my debit card. Sales associate asked me to sign up for a XXXX 's debit card to get a {$25.00} discount. I signed up. He linked the debit card to my bank account. A few days later I was debited again for the coat. I refused payment since I paid at the store in XXXX on XXXX XXXX and XXXX. 

I submitted statements to XXXX indicating debt was paid. Associate at store agreed it was paid. Still it went to Collections. I sent copy of statement to Collections Agency. XXXX 's has now sent it to three different collections agency. I am not paying for the coat again. 

The collection agency that contacted me today CALLED ME FIVE CONSECUTIVE TIMES WHILE I WAS AT WORK. I was at work and could not answer. They are not allowed to call me five consecutive times if I do not answer that is harassment. I will be filing a second complaint against AMsher. My complaint is related to their communication tactics.
Consumer complaint received 2018-06-26
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. (IL)

On XX/XX/2018 I wrote a letter addressed to the Bureaus to have these accounts removed from my credit because they are fraudulent. Ive made several phone calls and they still have not removed the accounts from my report. Please assist me with removing these fraudulent accounts from my report. I have already submitted to them that I was a victim of identity theft and i provide the identity theft report and these items are still on my report. Please assist me.
Consumer complaint received 2018-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (NV)

Dear Sir or Madam : I am writing to dispute the following information in my file. I have enclosed the account statement of which I am referring to. 
This account is inaccurate and incomplete because : 1. On XX/XX/XXXX at XXXX XXXX a call was placed to XXXX XXXX at XXXX during which four employees of XXXX XXXX did confirm that the account was closed on XX/XX/XXXX. 
2. The system noted and was confirmed by four employees of XXXX XXXX ( XXXX, XXXX, XXXX and XXXX ) that the account holder did call on XX/XX/XXXX to pay the account. 
3. The system noted and was confirmed by XXXX of XXXX XXXX that the account was Written Off in XX/XX/XXXX. 
4. Four Customer Service Representatives ( XXXX, XXXX, XXXX and XXXX ) of XXXX XXXX confirmed that they had no record of the account after XX/XX/XXXX or any record of XXXX XXXX or the collection service company Anfi making contact with the borrower requesting payment of the account after XX/XX/XXXX, until now which is 18 months after the borrower called to pay the account. 
5. All 4 representatives stated that they could not view nor send the account holder any account history relating to this account and had no evidence in their system of contacting the borrower at any time about the account going to collections. 
6. When asked, Supervisor XXXX also refused to send a screen shot of the information that all 4 employees used to view the account when referencing that account. 

I am requesting that the item be removed from all credit reporting bureaus ; that XXXX XXXX and Anfi cease and desist any further action against this former account holder and to correct the information in their system and any information about this account with any affiliates so that this does not happen again. 
Enclosed are copies of the collection letter from Anfi dated XX/XX/XXXX supporting my position. Please reinvestigate these matters and delete the disputed item as soon as possible.
Consumer complaint received 2018-05-12
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. (TX)

I received a letter XXXX XXXX XXXX XXXX showing my credit score.XXXX XXXX FICO Classic showing Serious Delinquency, and Public Record or Collection filled, And with Equifax/XXXX XXXX has on there report serious Delinquency and Derogatory public record or Collection filed? I don't understand anything they are reporting! please help with this matter