davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-12
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. (MD)

XXXX XXXX Balance : {$16000.00} - This kind of account is noted as a charged off account. The account balance is truly inaccurate, be sure to remove the item fully. Please also offer documentation to make sure that all the charges and credits to this particular alleged account that caused the high credit number you have displayed on my report. My petition to give these records is seen as a standard information inquiry as per my privileges awarded through the fair credit billing act. If you're unable to deliver this data per my civil rights inquiry, you should automatically eliminate this specific erroneous entry.
Consumer complaint received 2020-04-30
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: EQUIFAX, INC. (CA)

Upon reviewing my credit report, which I acquired from XXXX, Equifax, I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. 

I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business days so that I can verify its validity.
Consumer complaint received 2020-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

Bank of America deemed my property vacant for no reason & sent XXXX XXXX with a work order & broke in. Completely destroyed my basement door, frame, etc & tracked mud in every room. Which I have camera recordings of all which had been given to the sheriff. BOA said they didnt have anything to do with it but they havent changed it on my paperwork yet whic proves them guilty. Ive had to see a XXXX  which diagnosed me with XXXX, XXXX  XXXX with XXXX. Restitution is required to be paid to me for this serious crime by BOA for property & emotional damage upon receiving this.
Consumer complaint received 2020-04-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (OH)

Due to unexpected circumstances I missed my XX/XX/XXXX payment due date. When I was able to make an online payment on XX/XX/XXXX I was advised that my payment due was {$650.00} rather than the {$330.00} scheduled payment. When I made the online payment of {$650.00}, the Home Depot/XXXX XXXX  web site displayed a text box advising me that my next scheduled payment was due on XX/XX/XXXX. In early XXXX I began receiving notices that my XX/XX/XXXX payment was past due. On XX/XX/XXXX I contacted Home DepotXXXX XXXX  and explained that I was following the information provided on THEIR online payment portal that my next payment was not due until XX/XX/XXXX. I also asked why they were demanding that I pay approximately three times my regular monthly payment in less than a one month period, and if so, why was I being charged over {$300.00} as a late fee when their credit agreement term clearly states a late fee of {$38.00}. The Home Depot/XXXX XXXX  representative had no explanation to my question and advised me they would submit my issue to the proper authority for review. I received a US Mail reply, dated XX/XX/XXXX, from Citibank that stated they had attempted to contact me to discuss the issue. The only contact I had received, prior to this letter, was to harass me about my XX/XX/XXXX payment being past due. I was never offered an explanation or answer to the issue I was having, other than that I was mistaken and that my account was past due. 
I have continued to make my regularly scheduled payment in a timely manner to uphold my share of the credit agreement. During this time, Home DepotXXXX XXXX  's response has been to continually harass me via phone, email, and US Mail, all the while refusing to answer my questions and concerns surrounding their faulty billing system and exorbitant fees. On XX/XX/XXXX, I received a notice from Home Depot/XXXX XXXX  that they have suspended my card privileges and decreased my credit limit by {$7000.00}, adversely affecting my credit score. 
As a taxpayer it is appalling, that after receiving over {$470.00} XXXX in taxpayer bailout money, this bank would be permitted to engage in such egregious, and outrageous business practices. Their attitude towards myself has been nothing more than, " you are wrong, pay up or we will destroy your credit! '' This abuse of power is simply unfair to consumers who feel we have no recourse. 
I ask that the CFPB please investigate the " Bullying '' of consumers by Citibank and hold them accountable for the damage inflicted on their customers credit history. 
Thank you for your consideration.
Consumer complaint received 2020-04-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NEW YORK COMMUNITY BANCORP INC (NY)

I was one of the authorized user of business checking account of company ( one a XXXX XXXX XXXX ) at NEW YORK COMMUNITY BANK Address XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Phone number XXXX As Company deposits checks in account one check was not clear from payee for {$4100.00} date XX/XX/2019 My name was put on XXXX  as account abuse I cant open account with my name in any bank For that reason I try calling bank to resolve this issue thy ask me to give bank {$4100.00} the amount bank charge off I try explaining that its business account company is responsible for that I offer bank if thy negotiate that $ amount so I can clear my name, The person I talk to she said ( NO WE CAN NOT TAKE LESS THEN FULL AMOUNT ) Im requesting that this should be remove from XXXX  as its illegal and immoral to penalize for life someone who is authorities user for corporate checking account.
Consumer complaint received 2020-04-30
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. (AR)

While I was in the process of trying to rent an apartment my credit report had to get pulled. I was denied due to several unknown items on my report. I then printed out a copy of my report from identity XXXX to check the reason Iwas denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These account do not belong to me. Please remove these items from my report. XXXX XXXX XXXX {$430.00} XXXX XXXX   XXXX {$480.00} XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$670.00} XXXX   XXXX {$830.00} XXXX XXXX {$93.00}
Consumer complaint received 2020-04-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (CA)

I have two collections marks on my credit report. There was almost no information besides " CMRE financial services ''. There was no email, phone call, mail or notification that this payment was going into collections. That is the same for the " XXXX XXXX XXXX  ''. I have NO idea what that one is from. There was no information given to me let alone my right to dispute it ... I'm fresh out of college and can't get a car loan because of the two collection marks. From what i've read EVEN IF IT'S PAID it will stay on my report for seven years. 

I found out about " XXXX XXXX XXXX  '' today XX/XX/XXXX and paid it ... I paid " CMRE '' around XX/XX/XXXX. I found out after comparing dates that it was from an ER visit at XXXX XXXX Medical. No one could give me a solid answer of what I owed. My credit report would say one amount, and a representative would say another. Once again no information about what it's from or information about disputing. I asked if they could remove the mark and they said they " didn't know '' if they could or not. 

I'm pretty desperate of a car loan this week and these paid marks have caused me to be rejected from 6 lenders.
Consumer complaint received 2020-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I lost my debit card and requested a new one I received one in the mail and their automated system wont activate it I dont understand I called them to notify them they refuse to help me first time Telling me to go to the bank when their closed and the pandemic covid 19 how can they do this to me when all Im requesting is my card to be activated unbelievable
Consumer complaint received 2020-04-30
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. (MA)

I am sending request to remove accounts which were opened by fraud another person. I never give permission to open these account and never signed any documents. The both accounts fraud. Please investigate and remove as soon as possible. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files.
Consumer complaint received 2020-04-30
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. (AR)

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report.
Consumer complaint received 2020-04-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (DE)

I am a cosigner on my nephews personal student loan account with Navient Bank. The original loan amount was {$3500.00}. I've been paying the loan on my nephew 's behalf and noticed Navient was charging me interest on top of interest. They were charging me interest on {$6000.00} ( principle and accumulated interest ) opposed to the original {$3500.00} principle amount. I contacted Navient and complained and was told there was nothing they can do.
Consumer complaint received 2020-04-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (PA)

Good afternoon, I am filing a complaint on Sequium Asset Solution and XXXX XXXX. 
The reason I am filing this compliant because both companies misrepresent inaccurate and time information. 

I had a service account with XXXX, I told them I needed to cancel my services and they said they would at no charge. One month later they sent me a bill stating the I owed them I tried disputing and ending paying it in full. It was paid directly to XXXX and not Sequium Asset. Know I have Sequium Asset Solutions on my credit profile for no reason. 

I was not given any warning or information in writing from Debt Collection Company or XXXX. This information was falsely placed on my XXXX profile.
Consumer complaint received 2020-04-30
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. (FL)

My problem started with XXXX  XXXX XXXX selling or transferring my account held with them to account to XXXX XXXX XXXX ( XXXX  ) in XX/XX/XXXX, after it gave me a 3 month grace period for payment because of a government program for hurricane Irmas relief, by which I was affected. This happened on XX/XX/XXXX which was the only month I didnt paid the mortgage to XXXX  XXXX XXXX, by then I had planned to pay that missing month splitting the amount with the payments of XXXX, XXXX and XX/XX/XXXX. While this happened XXXX   called me in XX/XX/XXXX after I had made the first payment in XXXX and offered me another plan to extend the grace period until XX/XX/XXXX and deferred the payments missing to the end of the loan. While this happened I found out by XX/XX/XXXX that XXXX transferred or sold the loan to be managed by XXXX, By then XXXX  began to go after me for the payments missing as if there was never a program approved at the time, since they did not approved anything nor were they told by XXXX of this agreement, nor did they ever provide such to XXXX  the paper dodging had begun. It was then that I explained the situation to XXXX  when we started negotiations to fix the confusion created by XXXX and they offered to have a loan modification to help me with the situation as their only option. Doing this loan modification, XXXX  reported the payments done during the trial period as if they were never made as shown in the credit report for XXXX and last XX/XX/XXXX in which no payment was required when the loan modification was approved beginning the regular payments on XX/XX/XXXX. This is not counting all the time wasted by XXXX  sending me 3 different contracts to be sign after that on the approval, since the previous two had errors. 

During this time, I was making all payments as required of me, but they were not being reported. Each missed payment reporting onto my consumer credit files, and damaging my creditworthiness with them and all potential future lenders. The trail period with XXXX was reported as missing payments and this is not the case. I feel I have been abused in this process and given the run around, in the meantime my credit files have me listed in a derogatory manner on payment history and it affects me during this time of Covid19 to qualify for loans which I need. I have always made my payments on time and have always lived up to my obligations. I ask this agency to intervene on my behalf and offer the mediation which I need to bring this matter to the appropriate agency/person so that this is resolved. 
I am asking for a resolution in real terms, and have these multiple late history, which is factually inaccurate and a result of error or negligence either by Bank XXXX XXXX or XXXX XXXX XXXX. This is causing me problems and I am asking for more than the standard reply from both XXXX  and XXXX  which has to date done nothing to correct the matter which they created.
Consumer complaint received 2019-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Citizens has terrible customer service, so I called and complained and then sent in a CFPB complaint. A woman named XXXX XXXX who works in the office of the chairman went on a power trip and closed my account. The fact that this is how citizen 's responds to valid complaints about their terrible customer service is not acceptable. This woman is a power tripping bully and Citizens enables her. Is this really how citizens views its customers? As sheep to bully?
Consumer complaint received 2020-04-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (CA)

I applied with PHH Mortgage to refinance my condo on XX/XX/XXXX. The account rep., XXXX XXXX, was very helpful initially in getting me through the application process and getting the loan pre-approved and locked in the interest rate. After the initial communication on the application, there was " zero '' communication from her or PHH Mortgage. I uploaded all the required documents without her assistance or directions. 2 weeks later, I attempted to contact her via voice mail and email, no responses. On or above XX/XX/XXXX, I called again and got someone else to talk to me. A mortgage services consultant, XXXX XXXX, told me that my loan had all proper documentations and the appraisal fee was waived, but he did not understand why the loan was not put in queue for processing. Also, he mentioned that the rate lock had only 4 days left. He was going to ask XXXX XXXX and her boss XXXX XXXX (? ). He then told me that they would be contacting me. I called XXXX XXXX again the next day ( XX/XX/XXXX ), he again told me that either XXXX or XXXX would call me within an hour. He even told me to call him back by XXXX XXXX  XXXX  if I had not heard from anyone. I called XXXX again at XXXX XXXX XXXX  since I did not receive a call from either XXXX  or XXXX, but XXXX did not pick up my call. I left him a voice message to call me back. He never did call me back. I called again to XXXX and XXXX the following day to request them to call me back. Neither one did. I sent them email to request some types of communication. None responded. On XX/XX/XXXX, I received an email requesting an appraisal of my condo for {$550.00}. I sent both XXXX and XXXX an email inquiring if the appraisal request was legitimate, particularly I was told that the appraisal fee was waived. Again, they did not response. I left them both voice messages and emailed them asking for a call on XX/XX/XXXX. Neither responded. In the evening of XX/XX/XXXX, I received an adverse action letter via email denying my loan application citing the application was incomplete. PHH Mortgage is my current loan servicer and solicited me to apply for refinancing. The Company and their representatives are terrible in communication and totally unprofessional. They have misled me to think everything is in good condition and then deny my application using an unsubstantiated excuse of incomplete application.
Consumer complaint received 2020-04-30
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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I tried to solve this issue with Bank of America in the past but I couldnt get any help. I've called numerous times, sent letters and continue to be told that they see no " fraud '' on the card so they aren't even listening. All I am asking is fairness. This creditor must do what Is fair in my case. I was a victim of fraud back on XX/XX/2017 and I have proof of that. In my last complaint I included the police documents. Ive been trying to fix the big issue that this terrible experience has caused. I had no late payments on either of my credit cards before this happened. Bank of America was not the only company that I had issues with. I was the victim of business fraud which affected my ability to pay my XXXX XXXX account as well as my Bank of America card. The fraud took place in XXXX of 2017. I opened a small store front business and in the process of purchasing equipment I was victim of XXXX  The police department was involved. I have done everything in my power to get the negative payment history removed. It took me about 2 1/2 years to recover to the point of being able to pay my rent each month. In that time period, my Bank of America account became delinquent as I was not aware that this was happening. A look into my credit history shows the time frame of late payments ( a string of 7 late payments ) and the good payments leading up to this time. As soon as I was able, I paid both cards down legally. However, my credit was tanked! Now, I am finding it difficult to get my score where I need it to be in order to move forward. I have already suffered more than 2 years due to this unfortunate event. I began writing my own letters and making my own phone calls. I am still getting nowhere. It actually looks like they did not even investigate the account! According to the three major credit bureaus, the account has not even marked as disputed. These are big violations under the FCRA. I am demanding what its fair. Bank of America must remove the following item of my credit report and provide me a deletion letter for my records. This account is related to fraud. It is my right to dispute inaccurate information and have it removed, according to the FCRA : BOA acc # XXXX. Opened XXXX.Limit {$3000.00}. Status : Closed. Balance {$0.00}. This is the last step that I am taking before taking this issue to the next level. If Bank of America denies a deletion letter and the removal of the mentioned account, I will file suit and I am sure that once I talk to my attorneys, the list of violations will go up. This is causing me financial and mental issues. Thanks to whomever reads this
Consumer complaint received 2020-04-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivable Solutions, Inc. (SC)

I had an emergency and went to local ER. They stated it was out of network. It wasnt. It took 2 years to get the bill corrected. They charged me @ XXXX dollars and this was sent to collections. The accurate bill was XXXX dollars and I paid it promptly. The collection company wont remove it from my credit report even though the amount is inaccurate. I have disputed the claim several times.
Consumer complaint received 2020-04-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I transferred {$700.00} to purchase a pet I found on XXXX XXXX XXXX on XX/XX/2020. 

I transferred the money from my personal checking account through XXXX, which is the " recommended '' money transferring service when I log into my BANK OF AMERICA account. 

The next day the individual I agreed to purchase the puppy from turned off his phone and I have no other way of getting a hold of him. 

I have since emailed XXXX XXXX XXXX XXXX and have not received any correspondence. 

Also, I have contacted my bank, BANK OF AMERICA, and their only advice was to contact the FBI. 

I have issues with this because as a customer of BANK OF AMERICA they recommended using XXXX, which I'm sure they get some kind of huge kickback on. 

YET, when an issue arises, they refuse to take ANY responsibility or help in ANY way because they aren't " affiliated '' with XXXX. 

DISGRACEFUL!!!
Consumer complaint received 2020-04-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

I'm trying to refinance my first mortgage and I have Equity line of credit with HSBC that I'm not including the refinance, per HSBC policies, I sent a subordination agreement package and I followed up with tons of emails and calls, the servicer charged me for the agreement {$250.00} and it's taking 30 days to process the request and they said processing takes 2-3 business days, it has been more than 20 business days with no response and no reply, my rate for the refinance has expired and closing has been postponed 3 times and HSBC mortgage servicer are not cooperating and not providing information, now in additional to the {$250.00} for the agreement, I also paid {$450.00} for the appraisal because according to HSBC policy, I had to provide appraisal report too. 
Please help