davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Please delete the following accounts. 
XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/XXXX, Bank of America alerted me to four fraudulent charges on my credit card, each made within minutes of each other, and all charged to the XXXX XXXX. I immediately filed a fraud dispute and received a new credit card. To this date, Bank of America has refunded only two of the charges. See statement below. 


XX/XX/2024 XXXX transaction for Transaction date : XXXX DISPUTE Type Bank Transaction - {$2100.00} {$2600.00} XX/XX/XXXX XXXX transaction for Transaction date : XXXX DISPUTE Type Bank Transaction - {$2600.00} {$4700.00} XX/XX/XXXX XXXX transaction for Transaction date : XXXX XXXXXXXX XXXX  Type Purchases {$2600.00} {$7400.00} XX/XX/XXXX XXXX transaction for Transaction date : XXXX XXXXXXXX XXXX  Type Purchases {$2100.00} {$4700.00} XX/XX/202XXXX XXXX  transaction for Transaction date : XXXX XXXXXXXX XXXX Type Purchases {$2600.00} {$2600.00} XX/XX/202XXXX XXXX transaction for Transaction date : XXXX XXXXXXXX XXXX  Type Purchases {$2900.00} - {$79.00} I have contacted Bank of America four times since this happened. They are insisting that the two charges to the XXXX XXXX for XXXX and XXXX were never charged against my balance. However, as you can see from the statement above, that is clearly not the case. 

The Claim ID number is XXXX. 

I would appreciate any assistance you can provide to help me get those charges removed from by balance. Thank you.
Consumer complaint received 2020-11-19
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: FactorTrust, Inc. (DE)

I XXXX XXXX HAVE SENT NUMEROUS OF LETTER TO ALL THREE BUREAUS WHO REFUSE TO CONDUCT A PROPER INVESTGATION TO THESE NEGATIVE & INNACURATE ACCOUNTS REPORTING ON MY CREDIT. THEY WILL COMPLETE THE INVESTIGATION IN 2-3 DAYS SAYING VERIFIED WITH NO PROOF OF HOW THESE ACCOUNTS WERE VERIFIED. XXXX  HAS SENT ME NUMEROUS OF LETTER INDICATING THAT THEY WILL NO LONGER COMPLETE AN INVESITAGTION BUT WILL REFUSE TO EXPLAIN HOW THEY VERIFIED THESE ACCOUNT.
Consumer complaint received 2020-12-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (GA)

In XXXX of XXXX, I applied for Covid forbearance. It was approved for 3 months ( XXXX, XXXX, XXXX XXXX. As a teacher, my income was reduced because I was no longer able to work my summer and after-school programs, which significantly increased my income. I only exercised the option for one month. I requested that the amount be added to the end of my loan. However, Wells Fargo started reporting me as late on my loan. 
I have called several times and no one seems to understand their own program. 

As a last resort, I requested to refinance because my interest rate is 6 %, which well above the 2.0 - 3.0 % that is currently offered. They offered me HAMP, a loan modification program. The problem is they will only allow the modification terms of 30 years, so basically, I'm starting over. I have been in my home for 20 years and have no desire to start over. I requested 15 years, with no resolve. 

Wells Fargo is taking advantage of customers and their situations. They are discriminating against customers with lower credit scores, bankruptcies, and financial hardships that are through no fault of their own. 
My credit is being impacted because it has shown me late on my loan since XXXX. I would like this corrected. 

I would like my interest rate lowered to industry standards because I've been a customer for 17 years and I have shown good faith. 

I do not wish to extend my loan more than 15, as I am 13 years out from paying it off. 

Each time I've tried to seek assistance, since XXXX, I've been meet with obstacles. I've been trying to refinance my home since XXXX. I was told I was upside down. I have had a 6 % interest rate and rates have been much lower for years ; therefore, I have paid significantly more for this loan than other consumers. Wells Fargo has not actively worked with me to help me refinance.
Consumer complaint received 2018-04-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Consultants of California (KS)

I have a mutual child not by marriage and by the Court of California he needs to pay child support and also all medical costs for our mutual child. His child that is not mine injured our mutual child the police were involved but I did not press charges, and because of the result of the injury our mutual child needed to visit the ER and after she got out of the ER her father said that he was going to pay for the medical bill. Which he did not pay. By court judgement he needs to pay for all of her medical. I contacted the collection agency to inform them of the judgement stating that he is fully responsible for all of our childs medical bills providing them with all of the proof including his phone numbers and home address. They put me in collections onXX/XX/XXXX the original amount for the collection was {$820.00}. The collection company told me that they were going to remove me and add him because by the courts he is supposed to pay the medical bills. Now I am providing his first and last name XXXX XXXX XXXX   XX/XX/XXXX, his address is XXXX XXXX XXXX XXXX CA XXXX home phone number is XXXX  and cell phone number is XXXX. This is the collection name and address Collection Consultants XXXX XXXX XXXX XXXX CA XXXX   Phone number XXXX all the attempts to try to resolve the dispute they promise me to remove my name from the collection but they don't do that therefore I ask from the CFPB to order the collection agency to remove my name from all 3 credit bureaus XXXX XXXX  and XXXX.
Consumer complaint received 2018-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX  ( XXXX Credit Card ) is incorrectly reporting my account as late. I submitted a dispute with the bureaus and XXXX XXXX  responded with a document showing that they NEVER received payment from me since XX/XX/XXXX ( please see attached document showing them saying I never paid ).

I have made payments to XXXX in XX/XX/XXXX and XX/XX/XXXX( Please see attached documentation as proof ).

Furthermore, the noted on my credit reports that the account was closed inXX/XX/XXXX when the account was closed inXX/XX/XXXX.
Consumer complaint received 2018-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX  ( XXXX Credit Card ) is incorrectly reporting my account as late. I submitted a dispute with the bureaus and XXXX XXXX  responded with a document showing that they NEVER received payment from me sinceXX/XX/XXXX ( please see attached document showing them saying I never paid ).

I have made payments to XXXX in XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX ( Please see attached documentation as proof ).

Furthermore, the noted on my credit reports that the account was closed in XX/XX/XXXX, when the account was closed inXX/XX/XXXX.
Consumer complaint received 2018-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (CA)

I was granted both a bank account and credit card by XXXX XXXX. A {$350.00} charge was declined at my doctor 's office and since then my card has been restricted. I have called XXXX XXXX countless times and been told it is " under review '' every time. I have been offered call backs by a manager about 5 times ( or more ) but never received one. This has now been going on for around 2 months.
Consumer complaint received 2018-04-12
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: Experian Information Solutions Inc. (TX)

I have sent countless letters, followed by phone calls and emails trying to fix numerous errors on my credit file. Experian is not abiding by the FCRA in showing correct information on credit files, nor are they providing accurate feedback within the 30 day allotted time span. I have errors on my file that need to be corrected promptly, rather than their generic responses. 

1 ) Experian has a past address that does not belong to me, upon research it belongs to some life insurance / consulting company. 
XXXX XXXX XXXX XXXX  XXXX, OK XXXX ** I have never in my life lived in Oklahoma ** REMOVE 2 ) Experian shows a company named XXXX XXXX XXXX, Account XXXX ** Looking at my files, I do not have anything in my name with this company or account number. I have never signed any sort of contract with this company ** REMOVE 3 ) Experian shows my XXXX XXXX, Account XXXX, shows to be late on multiple occasions. 
** I have never been late with this account, ever ** CORRECT 4 ) Experian shows my XXXX XXXX, Account XXXX, shows to be late on multiple occasions. 
** I have never been late with this account, ever ** CORRECT 5 ) Experian shows my XXXX  XXXX XXXX XXXX, Account XXXX, shows to be late and is reporting incorrectly. 
** I have never been late with this account, ever ** CORRECT 6 ) Experian shows an account XXXX, Account XXXX on my credit file. I have never signed any sort of contract with this company and not familiar with this account number ** I have no clue what this, but it does not belong to me ** REMOVE
Consumer complaint received 2018-04-12
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. (CA)

Experian is erroneously reporting a collection does not belong to me. The collection is from a Collection Agency named XXXX, XXXX, XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX - This is a collection for someone as the same as me but does not belong to me its. The collection agency represents a landlord and is for money another XXXX XXXX owes. I have contacted XXXX, XXXX, XXXX XXXX three times by certified mail and they only replied to me once wit their supporting documents for the claim. The documents do not have anything on them to identify that this is my debt. My driver 's license number, my social security number, or my signature does not appear on any of their documents. It is a collection for a house I have never lived at or been to. The papers in this case were served to someone at an address I have never lived at or been to. They are trying to collect a little over {$1100.00}, it changes every month as they add interest. I believe they have me mixed up with another XXXX XXXX, its a common name. There was another XXXX XXXX that was the father of another child at the school my daughter attends and there is also another XXXX XXXX at my employer. 
I've contacted Exerpain via certain mail three times over the last two years. Each time I contacted me they say they verifies as accurate. I don't know how this could be I showed them the papers the collection agency sent me which have nothing on them to verify it is indeed me. 
I have also contacted XXXX, XXXX, XXXX XXXX three times via certified mail three times. they only bothered to reply to me once with the supporting documents that did not have anything to identify they are collection from the correct XXXX XXXX, Nothing with my driver 's license, SSN # or my signature. 

I am attaching all my letters and documents from both Experian and XXXX, XXXX, XXXX XXXX
Consumer complaint received 2018-04-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The CMI Group, Inc. (KS)

I have made 3 phone calls to the credit collection agency, CREDIT MANAGEMENT, L, advising them that my debt with XXXX was discharged as part of my chapter XXXX filing MY case number with the collection company is XXXX and I spoke with XXXX XXXX - Supervisor in XXXX MN, who promised to address the incorrect reporting but to date no attempt has been made by CREDIT MANAGEMENT, L, to remove the erroneous reporting on my credit report. The debt has been discharged and XXXX XXXX should not be trying to collect on a discharged amount.
Consumer complaint received 2018-04-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TOTAL MORTGAGE SERVICES LLC (NY)

I purchased a home in XX/XX/XXXX. The original mortgage company was Total Mortgage. They sold my loan to XXXX XXXX XXXX. I made payments as they were due to whomever they were due to, as a matter of fact, some months I made 2 payments. I am currently paid up through XX/XX/XXXX in an effort to pay down my mortgage. 
I take my credit history extremely seriously, I am working 2 jobs and am going to school to obtain my XXXX in XXXX. If I can not afford something, I dont get it! To be told that I am showing up as past due in Total Mortgages system, actually makes my ill. 
If I made my payment to XXXX, as I was instructed to do, shouldnt XXXX reimburse them instead of saying that I am past due and owe them interest? I am not sure if his is a scare tactic, but its working. I reached out to my mortgage broker, and he is working on this, but I need help. We are talking {$1300.00} here, not a few dollars! 
PLEASE, please help meif this is happening to me, it surely is happening to others! 
Email below : -- -- -- -- Original message -- -- -- -- From : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  ( XXXX ) To : Subject : RE : Mortgage Payment Information Good afternoon, I would like to apologize again for all of the confusion. I would like to explain what happened on our end since I am unsure of what XXXX stated when they initially reached out. 

Your loan was purchased by XXXX a payment down, therefore your first payments principal and interest was due to be kept with Total Mortgage your first mortgage payment was due for XX/XX/XXXX and your first payment due to XXXX was XX/XX/XXXX ). The P & I from your first payment were transferred to XXXX in error so your loan is currently showing as past due in our system. I received a copy of your payment history from XXXX on XXXX and it is showing that you are due for a XXXX payment ( *if you have made a payment since this date may differ ) ; since the funds from your first payment were sent to XXXX it technically pushed your due date a month forward being due for XXXX. 

The error came to our attention and we put in a request to XXXX on XX/XX/XXXX to get the P & I reversed back to your account with Total Mortgage. This would not affect your PMI at XXXX since the escrow from your payment was purchased by XXXX, however, it would bring you back to currently due for the correct month of XXXX. If the funds do get refunded to us at Total Mortgage, I will ensure with XXXX that no late charge is placed on your account if they do not receive your due payment by the grace period. 

Another option would be to set up a repayment plan for the P & I of this payment to be paid to Total Mortgage for your convenience. We can based this repayment around a time frame you request from 6-12 months. The amount due is {$1300.00} ( principal {$360.00} and Interest {$890.00} ). 

Please let me know if you have any questions and I apologize for any confusion and inconvenience again. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX x XXXX
Consumer complaint received 2018-04-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am submitting this complaint about transunion credit reporting agency. I have been disputing an account that was previously removed off my credit report. ( XXXX XXXX XXXX ). Today I checked my credit score on XXXX XXXX  and noticed a 100 point drop I looked into this and noticed that they re-inserted this account that was previously removed. I attempted several times to reach them and dispute this information again and ask to remove it like it was before and it should have never been re-inserted onto my credit report. It was confirmed that this loan was a combined loan that was PAID off in full. I can't reach transunion as they keep telling me my credit file is in another department. ( Fraud Victim Dept ). As I had in the past fraud done with my name. I was transferred and was on hold for a long time. I am very fustrated that they put this account back on my credit report which caused my score to drop.
Consumer complaint received 2018-04-12
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 have disputed the following items with Equifax and and they have continued to report negative items on my report that do not belong to me that is resulting in bringing down my score and has affected my credit worthiness. I have been denied services and auto loans due to my credit score and the negative items that have impacted me.
Consumer complaint received 2018-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

I have an item that is on my credit report that is effecting the integrity of my score and credit worthiness. The item information can be found below : I am not aware of this item or where it came from as this is a debt that I do not own. 

ONEMAIN XXXX XXXX XXXXXXXX XXXX, IN XXXX Balance : {$2900.00}
Consumer complaint received 2020-12-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MI)

I have contacted Chase multiple times beginning XX/XX/2016 to obtain clarification regarding my loan modification as to why a balloon payment is on my mortgage. I was advised it was a result of lowering my monthly payments to make them affordable. However, if Chase restructured the loan then why are the terms not favorable for me as a borrower. Chase provided me with a principal reduction but it appears this principal reduction will be cancelled out by the hefty balloon payment " principal deferment ''. How is this deemed making home affordable? This deferred principal was not structured into the modification which is now positioned as a lien on my home. How is this legal? Once Chase reviewed my loan and saw that payments were consistently being made why didn't they revise the loan. Now Chase has sold my loan to XXXX XXXX XXXX.
Consumer complaint received 2020-12-28
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-12-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (IL)

On XX/XX/2020, I opened a Citi Priority Checking and Savings account. Soon after ( within 30 days on XX/XX/2020 ), I transferred an amount of {$50000.00} from my XXXX account into the new Citi account, and the terms indicated that I will receive a bonus of {$700.00} if I maintained that balance for 60 days. I continue to maintain the balance but have receiving no bonus. 

I have previously complained and Citi said it was too premature. Complaint ID XXXX. Since then, I spoke to them as well and a rep confirmed that I am eligible and raised an internal inquiry and I have not heard back from Citi. 

This has now taken more than twice the time Citi has promised for the bonus for account opening, and this is really deceptive way for them to get and keep my deposit.
Consumer complaint received 2020-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

There are several accounts on my report that have a XXXX  balance and I have sent several letters disputing these accounts. I have asked the agency to investigate this and send me whatever information they have to prove that they are my accounts. I have never received anything other than a credit report stating that I the consumer disputes the account. 
The accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC (NY)

On XXXX XXXX, 2020, TRANSWORLD SYSTEMS I add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA TRANSWORLD SYSTEMS I has violated my rights as a consumer and I requesting legal action to remove this account immediately.