davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

This complaint is a follow up to my earlier CFPB complaints number XXXX filed XX/XX/2023 and complaint number XXXX filed XX/XX/2023. 
The complaint is about BOA predatory action towards my request for a loan modification coupled with a flagrant abuse of discretion by the modification department and total disregard to their responsibilities to assist homeowners and facilitate the modification process. Please refer to what I wrote in my prior complaints to get the full picture of my struggle with BOA. This complaint is specifically about BOA continued predatory, intimidating and demeaning behavior to customers, I implore CFPB to assign legal council to review my situation, it is 100 % predatory and abuse of discretion. 
The last correspondence from BOA was yesterday before midnight as the always plan by design to email these notices on Friday 's. 
The context of the letter simply allude that have none of the information I submitted for the 120 days and consist of 55 separate submission via XXXX that I paid for, each submission had multiple documents, statements etc ..., BOA XXXX XXXX ( Home loan team ) letter simply states that unfortunately they are no longer able to review my application for help with this home loan due to the followings ; Unable to verify income, employment and ownership of the property. Those reasons are totally erroneous, I have spoken with XXXX XXXX over 50 times and I sent her everything she asked for to her full satisfaction! What happened Now? I am attaching to this complaint most of the submissions for your legal council to review and intervene. What BOA is doing is illegal, intentionally predatory, abuse of discretion and disrespectful to their customer must read and examine my claim, it gives a very clear picture of the wrongdoings by BOA.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX  XXXX - XXXX
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2023-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I contacted Capital One on XX/XX/XXXX to request they close my account or downgrade, or whatever was necessary for them to refund the renewal fee that they posted XX/XX/XXXX, which would have paid for 12 months of future use of the card. Capital One refused. Capital One made several excuses. These excuses were lies. 

Background : I applied for the card in XX/XX/XXXX. 
The first 12 month fee showed on my bill with a date XX/XX/XXXX. 
I had just received that card, and used it for the first time XX/XX/XXXX. I paid the bill without complaint. 
The second 12 month fee showed on my bill, assessed XX/XX/XXXX. I paid it without complaint. 
The third 12 month fee showed on my bill, assessed XX/XX/XXXX. 
This bill would be due XX/XX/XXXX. 
I paid the account balance in-full, actually {$2000.00} more than owed due of a purchase refund crediting the account XX/XX/XXXX or XXXX. 
I called to notify Capital One I would not pay to renew the card another 12 months, and asked that they refund the fee and close the card if necessary. 

Excuses Capital One made : 1. Capital One is not able to refund or waive the fee. 
2. Fees can not be disputed once they are assessed. 
XXXX. I called too late, I had to call before XX/XX/XXXX. 
4. The reasons are all documented in the XXXX XXXX XXXX 

Reality : 1. A business is always " able '' to refund/waive any fee they charge. Capital One simply did not " want '' to. 
2. All fees can be disputed before bill due date. It is even written on XXXX XXXX XXXX XXXX We will generally treat Fees as purchase transactions unless otherwise specified below. These Fees apply to your Account only if your TruthinLending Disclosures provide for them. '' 3. Capital One card statements indicate there is a 40 day window to cancel and receive the refund for the annual fee. This language is written explicitly ; " How can I Avoid Membership Fees? If a Renewal Notice is printed on this statement, you may avoid paying an annual membership Fee by contacting Customer Service fewer than 40 days after the annual membership Fee was assessed to request that we close your account. To avoid paying a monthly membership Fee, close your account and we will stop assessing your monthly membership Fee. '' Considering the fee was assessed XX/XX/XXXX, I should have until XX/XX/XXXX to close the account and remove the fee. 
4. The XXXX XXXX XXXX XXXX Customer Agreement document was downloaded and carefully reviewed after speaking to Capital One on XX/XX/XXXX. The document has nonspecific boilerplate language regarding membership fees, and no language that supports the excuses made to me by Capital One. 

Summary : I over-paid my credit card balance. I requested to cancel membership in a timely manner. I deserve to have my over-paid balance fully refunded. I deserve to have the membership fee for the card fully refunded, with closure of the card. I " deserved '' to not be lied to and bullied in this relationship.
Consumer complaint received 2023-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (MO)

I applied for a credit card and got denied, I have the right to credit. Withholding my access to my securities is securities fraud, they have violated not just the Equal Credit Opportunity Act, they have also violated the Consumer Credit Protection Act, since they denying me access to my credit, I ask that they please retract my application now
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-21
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Last year the bank closed my bank account and held an amount of {$21000.00} that the bank supposedly returned to the SBA/ Department of Treasury for a distributed SBA XXXX XXXX XXXX To date, the SBA has been looking for this money to be paid back by me with interest ; SBA claims that the money was never returned to them and that Capital One took the money, and on one know what the bank did with this money. In my eyes, some one at Capital one took my money and claimed that they paid it back to SBA. This a theft and the money should be returned to me to SBA with interest.

I had contacted the SBA to get a clarification of why they are asking for the money to be paid back when your institution supposedly returned it to them. I was told that the SBA had yet to receive the money. I asked the bank to provide me with a letter clarifying where the money went/was sent to or verifying that it was sent back to the SBA.

For your reference, I have attached a screenshot of the SBA loan statement showing the outstanding balance. I appreciate your prompt attention and assistance in this matter. I look forward to hearing from you at your earliest convenience.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report 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
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

Requested my consumer report, multiple times by email and telephone and certified mail with the required documentation to prove my identity to include my driver 's license passport and social security card but Equifax continues to send a letter requesting my social security card and photo identification to prove my identity, which tells me they are not reading my request or taking them seriously. My credit report has multiple errors and Equifax is in violation of FDCPA 1006.30A and 15 USC 1681b2. 

This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/, EQUIFAX, You have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action.I have not given you written permission to put anything on my credit profile 15 USC 1681b2.You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.I refuse to pay this alleged debt. Cease and Desist all collections activity AND DELETE FROM MY CONSUMER REPORT! YOU HAVE 10 Calendar days to DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS! or I will take legal action for consumer law violation under 15 USC 1681n, 15 USC 1681o and 15 USC 1692k.DELETE THE FOLLOWING ACCOUNT/S FROM YOUR RECORDS AND ALL CONSUMER REPORTING AGENCIES.
Consumer complaint received 2023-10-23
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Lien release
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

I am seeking a Release of Mortgage. 

I have a XXXX old second mortgage made through XXXX XXXX XXXX XXXX It was my understanding through numerous discussions with XXXX  XXXX XXXX that this loan was bailed-out during the mortgage crisis beginning in 2008. Subsequent phone calls to XXXX legal dept, I was told it was " written off. '' I made a previous complaint through this application to XXXX  XXXX XXXX to provide information about this second mortgage. Through this CFPB process, XXXX  XXXX XXXX provided that they had service-released this mortgage to Carrington Mortgage . 

Carrington Mortgage stated on the phone during conference calls on XXXX different occasions- with XXXX, XXXX XXXX ; XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, that the did NOT have this second mortgage, never had this loan, have no information on this loan.. 

I can not find a way to solve this XXXX problem. This old second mortgage is still on my official records of XXXX XXXX, Florida. It has not been assigned, it has not been transferred through MERS, it does not show up on my credit report ( never has ). 

I want to get this mortgage released off my record. I need to see if XXXX can help me. They provided a Satisfaction of Mortgage a couple of years ago when I paid off my first mortgage. 

I am a XXXX yr old woman who has serious health problems. I want to get this resolved so this mortgage disaster caused by XXXX et al, does not pass through to my kids. They don't have the legal, real estate and mortgage education and background that I have. I want to solve this problem before I die.
Consumer complaint received 2023-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I found the following serious issue now : Dear sir, Today, on XX/XX/2023, I realized that my bank credit card ending XXXX, which was Bank of America Travel Rewards Visa Credit Card, was disappeared from the website, when I checked the Bank of America Website. Due to the illegal usage of my XXXXXXXX XXXX credit card, I closed the XXXX card immediately after my realization and secondly the discovery of illegal usage before the replacement card had arrived to me ; therefore, I needed to use the different payment method for XXXX purchase. I used this Bank of America credit card ending XXXX because the information was kept in XXXX data base. Since I did not use for a long time and preferred another credit card issued by Bank of America, I believe I discarded the card ending XXXX by destroying it. Even though there is some suspicion of illegal usage, still the information of card ending XXXX should be seen and checkable at the bank website. As I have strong concern why my bank information can not be checked at the bank website, would you investigate this matter? And would you tell me how to replace the card, since I can not replace it due to the disappearance? 

Sincerely,
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I have sent my FTC Letter to the creditors and they still have not removed these items from my credit reports and by law I do know that you can have a account that is reporting as closed charge off with a balance that is due and none of the following accounts have been removed from my credit reports.
Consumer complaint received 2023-10-23
Product: Credit 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: U.S. BANCORP (CA)

My cardholder/wallet with my physical XXXX XXXX XXXXXXXX visa card was stolen when I returned to XXXX from a business trip from XXXX on XX/XX/2023. 

Between XX/XX/2023 to XX/XX/2023, I had access to the XXXX XXXX XXXX Business visa card saved in my XXXX XXXX wallet and a copy of the virtual card, which I still used to complete purchases. 

I was not aware that the physical card was stolen until XX/XX/2023, at which time I discovered a number of charges made on my XXXX XXXX XXXX Card. I filed a police report, called into my banks to cancel all stolen cards, including US Bank. I also disputed all such fraudulent transactions made on my US Bank Card. One of the fraudulent transactions was made at XXXX XXXX on XX/XX/2023 in the amount of {$1200.00} in XXXX, XXXX ( the " XXXX XXXX Transaction '' ). 

US Bank issued a credit adjustment for all of the reported fraudulent transactions until XX/XX/2023, which is when they charged me {$1200.00} for the XXXX XXXX XXXX. I received a letter in the mail providing that they have concluded I have received the service or benefit of the transaction, the investigation has been closed, and I may not contest the transaction. However, I never received any benefit or service related to the transactionon the day of the transaction, I was not in XXXX ( I have location data showing that I was in XXXX and XXXX XXXX ) and I did not purchase anything that day from XXXX XXXX. 

I called US Bank upon receipt of the letter and requested an explanation for why I was charged for the fraudulent XXXX XXXX Transaction. Their assessment that I must have made the XXXX XXXX Transaction because I made a purchase at In and Out in the amount of {$6.00} was incorrectI made that transaction with my stored XXXX XXXX wallet card and could not have made the XXXX XXXX Transaction because I was not in possession of the physical card. After having a conversation with them, the US Bank agent noted that they must not have evaluated all of this information and will give me a call back within 48 hours to discuss further. 

After a week and follow-up calls to US Bank , I have still not receive a call back, and {$1200.00} still appears on my credit card account summary as a charge.
Consumer complaint received 2023-10-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BMO Bank, N.A. (PA)

I received a statement from BMO Bank of NA saying I had a checking account with XXXX balance. I NEVER opened an account with this company. Not only that but I was told there were 2 accounts opened. The XXXX acct is XXXX. The XXXX acct is XXXX. XXXX was opened XX/XX/23 the other XX/XX/23. They had an email on file of XXXX and a phone XXXX XXXX XXXXXXXX. I was told that the accounts were frozen because someone tried to use it without funds in the account. I asked for a copy of the original application from 2 different people at the bank and was told they couldn't do that. Why not if this is supposedly my account? How did this bank open an account without my authorization? I want it closed out immediately! They told me I have to call back and talk to their fraud department. What kind of bank doesn't have a 24 hour fraud department?
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion has a lot of inaccurate and negative information on my report. When I tried to go online to obtain and dispute these information, I am getting to call and request a copy in the mail. I called Transunion and they can't give a reasoning I was told I had to wait for my credit report to be mailed to me within 4-5 business days. I think that is ridiculous.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am writing to formally complain about the persistent issue of late open accounts that I have been experiencing with your company, specifically regarding my account with Credit Bureaus. Despite my numerous attempts to address and resolve this matter, my late open accounts remain unresolved, causing significant inconvenience and financial hardship. 

I would like to provide a summary of my efforts to address this issue : I first became aware of the late open accounts associated with my account. Immediately, I contacted your company and initiated communication with your customer service department to discuss the issue. 

Subsequently, I made multiple attempts to resolve this situation, including sending emails, making phone calls, and even visiting your office in person. During these interactions, I provided all requested documentation and information to address the late open accounts. 

Regrettably, despite my continued commitment to resolving this matter, the late open accounts have not been rectified, and I have received no concrete steps or response from your company on how to proceed. 

These unresolved late open accounts have caused me significant stress, inconvenience, and financial difficulties. As a customer of Credit Bureaus, I expected a more responsive and efficient resolution process. 

I kindly request that you take immediate action to address and correct these late open accounts. If there are any additional details or documents required from my end, please inform me promptly, and I will provide the necessary information. 

I believe in fair and transparent communication, and I trust that we can resolve this issue amicably. However, if this issue persists, I may have no choice but to seek legal assistance to protect my rights and interests as a customer. Please assist me to correct these accounts : XXXX XXXX Balance Owed : {$150000.00} ; XXXX XXXX Balance Owed : {$13000.00}.