davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: HW Holding, Inc (RI)

Hunter Warfield in XXXX XXXX has bought a rental contract from my old landlord. They harassing calls and reporting to all the credit bureaus monthly adding XXXX a day. I called them first to see who they were. I gave them my information and they told me that they will destroy my credit. I was let out of the lease because of a cr accident and unable to get a handicap accessible unit. And on XXXX I could no longer afford to live there. I left my security deposit because I was unable to do the mandatory cleaning that every apartment should do. The also said I filled the dumpster. All my furniture was taken with me. Damage to rugs. They were over five years old when I moved in. They are up to XXXX. In damage. And I had a walk through when I handed my keys in. Hunter Warfield has sent me letters to settle for half since it was a joint account. One man on the phone told me to hold a sign for money on the corner or make a relative pay it. Because of this I am unable to get a apartment I have to rent a room. They are destroying my life. They call twice a week. I should of had a day in court by the original creditor XXXX XXXX XXXX XXXX XXXX . Please help me, I do n't know where to turn.
Consumer complaint received 2015-09-22
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Coastal Credit, LLC (NC)

I have already filed a complaint XXXX time and I 'm about to do it again. First off I have filed bankruptcy so no one should be trying to take payments out of my account since I put a stop to all Auto Drafts just looked and a payment had try to be taken from my account on the XXXX of XXXX and the XXXX. As I stated I would have it paid in full and caught up by the end of the month. Then when I filed the first complaint they just decided nor to respond to it which they are required too do so. I already know I have NSF charges on my account but I can clear all that up. It 's not right how these companies feel they can do what they want to when they want to. Do n't want to be bothered or harassed I will make sure all is done that needs to be done.
Consumer complaint received 2020-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

This is a further issue with regard to complaint : XXXX IT APPEARS THAT CITIBANK IS ATTEMPTING REPRISAL FOR THIS COMPLAINT. 
CitiBank sent a letter received today indicating that they intend to issue a check for {$390.00}, which is {$33.00} less than what I am owed. The letter states that they are withholding this amount due to a disputed charge. Looking at my account record online, a 'reverse partial merchant credit ' item has suddenly appeared with a date of XX/XX/19, nearly one year ago. That item has not appeared on statements I have in my possession since I closed the account in XXXX. Upon further checking, it relates to fraudulent charges that I reported to CitiBank immediately upon discovering them last XXXX after CitiBank 's security system triggered an alert for a suspicious charge. They were made at a hotel in XXXX XXXX XXXX when I was in the United States. There were two, for {$140.00} and {$87.00}. I was half a world away, knew nothing of this place, and certainly had not authorized any charge. I made my report within minutes and the CitiBank rep indicated that another charge was being attempted by someone at the hotel in XXXX XXXX while we were on the phone, and I was in the US. This was clear fraud resulting from stolen information. CITIBANK POSTED THE REVERSAL OF CREDIT FOR THAT FRAUD SEVERAL DAYS AFTER I FILED MY COMPLAINT WITH THE CFPB. THIS APPEARS TO BE RETALIATION FOR MY COMPLAINT. Note also that they were quick to send this letter but no refund has been delivered so it remains unclear if they will be sending anything.
Consumer complaint received 2020-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I don't believe that I have been financially harmed at this point. However, it could have gone bad very quickly, had I not started using my online banking App. I was sold an " upgrade '' to my existing B of A account. A business credit card with " better '' reward benefits. I assumed it was an ordinary Mastercard account. What was not disclosed at the Branch where I signed the agreement, which I am now trying to understand how and why this account works. I use my card say it's 0001. Some time after the close of the billing cycle but before the due date, I go to my local branch to pay part or all of the balance due as reported by the teller, when I ask them to verify my current balance. That payment is electronically transferred and posted to the card. Some time after, whatever remaining balances that were unpaid are moved to the " Corporate acct '' with a different account number say 0002. So this balance sits there in the " corp '' and does not get paid when I send payment to 001 every month. So now I have about {$5000.00} in unidentified purchases that I need to review and pay the balance on. They were having a very difficult time explaining when and why my balances were being moved around. Looks to me like a splitting of the account that was not what I wanted.
Consumer complaint received 2020-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Shellpoint took over loan servicing in XX/XX/XXXX. Starting XX/XX/XXXX, we set up an automatic bill pay through XXXX XXXX, directing them to pay Shellpoint {$4800.00} on the XXXX day of every month, representing the monthly {$11000.00} PITI and an additional {$3000.00} principle reduction. The attached monthly statements show that those payments were correctly made on the XXXX day of every month, starting XX/XX/XXXX and continuing through XX/XX/XXXX. 

Shellpoint claims they never received the XX/XX/XXXX and XX/XX/XXXX payments. When they got the XX/XX/XXXX payment, they applied it to the XX/XX/XXXX and XX/XX/XXXX PITI payments and showed the XXXX PITI payment as being short. As of early XXXX, two {$4800.00} payments, a total of {$9600.00}, were floating around somewhere in Shellpoint 's system and not properly credited to our account. 

On XX/XX/XXXX, they finally found the most of the missing payments and applied them to our account. However, they are still missing a {$3000.00} principle reduction payment that was supposed to be credited on XX/XX/XXXX. And, the icing on the cake? They have reported as as being 60 days late to the credit bureaus. I found out about this today when I applied with XXXX  to refinance another property we own. My credit score has dropped from over 800 to  under 680 and our refinancing application has been denied. We can lock in a 2.75 % for 15 years with rates at historical lows. Who knows what the rates will be when Shellpont finally straightens this out? 

I have been in communication with at least three different loan servicing agents at Shellpoint and have multiple e-mail exchanges to prove it. NO ONE has been able to figure out where our payments went. We even started getting collection calls and pre-foreclosure notices. This has been an EXTREMELY frustrating experience and now I have to deal with a sub-par credit score through absolutely no fault of our own. 

I expect to be made whole as a result of their negligence..
Consumer complaint received 2024-10-06
Product: Credit reporting 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. (NY)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-11-08
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. (NY)

Dear XXXX Consumer Assistance, I am writing to formally file a complaint regarding serious inaccuracies in my credit report, as well as potential violations of the Fair Credit Reporting Act ( FRCA ) ( 15 USC 44 ), 12 USC 83 ( a ), 12 USC 1431, and the Privacy Act ( 5 USC 552a ( 1 ) ( 3 ) ). These discrepancies and violations have raised significant concerns and have had a negative impact on my financial standing. 

Upon reviewing my credit report, I discovered several errors that are affecting my creditworthiness and financial opportunities. The inaccuracies include incorrect account information, unauthorized inquiries, and data that does not align with my financial history. These errors not only harm my financial well-being but also raise questions about the accuracy and integrity of the credit reporting process. 

I am concerned that these inaccuracies may constitute violations of the FRCA, a federal statute designed to ensure the fair and accurate reporting of consumer credit information. Additionally, I believe that XXXX may be in breach of federal regulations regarding the power and duties of credit reporting agencies, as outlined in 12 USC 83 ( a ) and 12 USC 1431. The Privacy Act ( 5 USC 552a ( 1 ) ( 3 ) ) also mandates the protection of personal information and data accuracy, which is crucial in maintaining the integrity of consumer credit reports. 

I request an immediate and thorough investigation into the discrepancies in my credit report and their implications for my creditworthiness. I also urge XXXX to take corrective actions promptly, including the removal of inaccurate information and the rectification of unauthorized inquiries. Moreover, I request that XXXX ensures strict compliance with the FRCA, 12 USC 83 ( a ), 12 USC 1431, and the Privacy Act ( 5 USC 552a ( 1 ) ( 3 ) in all credit reporting activities. 

I expect a written response to this complaint, outlining the steps taken to rectify the inaccuracies in my credit report, and to ensure full compliance with federal regulations and consumer protection laws. Your prompt and cooperative response is essential to resolving this issue amicably and restoring the integrity of my credit report.
Consumer complaint received 2023-06-07
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. (MD)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2016, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance XXXX {$2900.00}, XXXX XXXX XXXX Balance : {$1000.00}
Consumer complaint received 2020-06-08
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 (IL)

I told the Bank of America that I was the victim of fraud. Under their watch, someone had stolen my personal information and charged {$1300.00} in merchandise. Many of those purchases were made in XXXX, a place I had not been to more than 18 months before those purchases were made. The B of A removed the charges and promised to conduct an investigation. Months later, they informed me I would have to pay the charges. Their letter argued that since I had received statements and had made payments to the account, I was responsible. Instead of apologizing for allowing my credit to be usurped, they demand I pay for those fraudulent charges made by God knows who. The letter also alleged that they have a signed receipt or a contract. I appealed their decision. I explained that the initial purchases were small and went undetected because my husband and I share this and several other credit cards. I generally pay all my bills at the same time and do not delve into the details of each purchase. Once the B of A credit card charges grew in size, I asked my husband, learned that it was not him, and informed B of A of the fraud. Moreover, I insisted that they show proof of signed receipts or a contract they relied on as evidence against my claim. They certainly have copies of my authentic signature and can easily determine that the fraudulent signature ( s ) do not match. In fact, I'm sure they did that already. Nonetheless, in their terse response, they repeated they had signatures but did not even allude to my argument that the signature could not be mine. 
I have called them several times to no avail. Their customer service representatives in this area do not work well. Less than an hour ago, the last one simply hung up on me while I was in mid sentence. 
Again, I don't know how The Bank of America could allow my data to be taken, then require me to pay for their mistake. This is re-victimizing me. They craft a weak argument, pretend they can't hear my response, then coerce me into paying for their lack of security.
Consumer complaint received 2017-03-11
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Machol & Johannes, LLC (NM)

I made contact to XXXX at Machol and Johannes, LLC on XX/XX/XXXX, at approximately XXXX inquiring about why my bank froze my funds. She had advised that I was served with a writ of garnishment on XX/XX/XXXX, from a debt report by XXXX. She said the writ was served at XXXX in XXXX New Mexico. She insisted that I was served with a signature at XXXX. I advised XXXX that I had vacated the unit in XX/XX/XXXX, and provided her with copies ( via fax on XX/XX/XXXX and by email on XX/XX/XXXX ) of a new lease indicating that I was no longer in the said apartment. She has not returned any form of communication indicating receipt of documents or for any resolution as she said the writ was delivered due to " bad service. '' and that she would have management to review my case. I have provided XXXX with more than sufficient evidence that the writ was not delivered to me personally or to any representing agents that I may have ( to which I have none ). I have informed XXXX that my employment position has been eliminated as of XX/XX/XXXX, and the funds that had been " taken '' from me was allocated to help pay for rent, food, and misc items. I have called and left her voicemails for her to return my call, but she has not once called me back to provide any form of indication regarding my case. My last contact was made on XX/XX/XXXX, with no further contacts. She has been provided with copies of lease agreements that were signed on XX/XX/XXXX which exp on XX/XX/XXXX for an apartment at the same address. BUT also another NEW lease indicating an entirely different address that was signed into an agreement on XX/XX/XXXX, which expired XX/XX/XXXX. These agreements should indicate that I NEVER received any writ of garnishment. 
Since my assets have been frozen, I have n't been able to live sustainably as constant uncertainty with income has become an issue. unsure of where my next meal will come from, and if I 'll be able to pay rent has become a concern. I fear that her lack of response, and with my situation, I might lose my home and be left on the streets. I again have no income as of XX/XX/XXXX. I am awaiting Unemployment Insurance, but that will not suffice to pay rent, food, utilities.
Consumer complaint received 2016-12-12
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: ROYAL UNITED MORTGAGE LLC (FL)

I was seeking to refinance my current home mortgage. I looked at several companies and received Good Faith Estimates from a handful of lenders. One of those lenders that was under consideration was Royal United Mortgage. The loan officer is named XXXX XXXX. On XX/XX/2016, I was contacted by XXXX XXXX after visiting XXXX and requesting information on possible lenders. After reviewing the estimate he provided and comparing it to other offers I had, I chose to go with a different lending company. There had not been a closing. I notified XXXX XXXX of my decision via email on XXXX XXXX, 2016. I then received a letter in the mail on XX/XX/2016, from my XXXX homeowner 's insurance stating that on XX/XX/XXXX, Royal United Mortgage had amended my insurance to delete my current mortgage company ( XXXX ) and added themselves as my mortgage lender. This was completed without my knowledge and without a formal closing on the loan. I do not know what other changes to my other accounts they may have made. I do not feel that this was ethical or professional for them to make these changes prior to closing on this loan. I have notified XXXX XXXX in writing that I am livid over this matter ; that I will not be using his company 's services and that they must undo whatever changes to my accounts that they have made.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

Monday XX/XX/XXXX, @ approximately XXXX I checked my personal email to received an email from my personal bank ( Wells Fargo ) stating that my checking account has reached XXXX and drafted over to my savings. Prior to this notification I had {$4200.00} in my checking account and {$3300.00} in my savings account. I admittedly drove over to the nearest Wells Fargo to find out what has happened. While I was there I called the Wells Fargo fraud department to open a claim ( claim no. XXXX ). After 10 days of Wells Fargo investigation my claim was denied and closed, due to an approved transaction made by my mobile device. I was told that I need to take matters in my own hands and reach out to the merchanise for my money back. These transactions were not approved by me. There were over XXXX transactions with the same merchandise located in New York, while I am in California. An email was sent out for a fraud detection on XXXX @ XXXX. The email stated that the transaction of XXXX XXXX was declined. The next day, several emails was sent on XXXX from XXXX ( twice ) XXXX, XXXX, XXXX, XXXX, and XXXX that the transaction for XXXX XXXX  was declined. After the claim was made I looked over the transactions. Listed are the transactions that I did not approved of. 

XXXX XXXX ( Location : XXXX, CA ) XXXX XXXX charges were on XX/XX/XXXX total amount of {$15.00} XXXX XXXX  ( Location : XXXX XXXX CA ) ( XXXX ) XXXX charges were on XXXX total amount of {$75.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY ) XXXX XXXX ) XXXX charges were on XXXX total amount of {$150.00} XXXX  ( XXXX XXXX Location : XXXX XXXX XXXX XXXX, New Jersey XXXX charges were XXXX XXXX total amount of ~ {$6000.00} After my claim was denied and closed, on Friday XXXX around XXXX I did my own investigation and was able to input my credit card number into squareup.com/receipts and found the address of XXXX XXXX Each transactions was linked to XXXX XXXX XXXX XXXX, New Jersey which is a home address after searching on XXXX XXXX 
I then called the XXXX XXXX XXXX the same night and asked for some information which quickly lead to them saying they dont speak XXXX and I should call back in XXXX mins. XXXX minutes goes by, no answer. I then received a text from the bakery saying Im on my way. I called back admittedly and no response. Called XXXX more times and no answer. 

Next day, I drove over to the police department to file a police report for fraudant unauthorized transfer. They are still doing their investigation but it is an urgent situation and I need more help!! Please help me get my money back and stop this theft! As a loyal customer of Wells Fargo, they did not protect me from becoming a victim of a scam. I need justice to stop this from other victims and reimburse me the money that was taken without my authorization.