davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I recently applied for mortgage payment assistance with Bank of America who holds my current loan. After completing the required paperwork they sent a modification trial period offer for a reduced payment for 3 months that would l be identical or close to my adjusted payment. This amount was only XXXX dollars less than my current mortgage payment which gives me little to no relief at all. When I asked them to explain to me how they came to these terms, if my rate would be fixed or not and what programs I qualified for, they could not answer any of my questions. They also stated that by paying the 3 months of the modified loan payment, they would report to the credit bureaus that I didn't make the full monthly mortgage payment. As a result of their loan modification, I would end up with 3 months of negative marks on my credit report. Ultimately this would prevent me from refinancing my loan in the future or anyone who were to take this offer. This is a predatory practice and they are doing nothing more than pretending to help home owners when in the end, there is no help at all. A reduced payment of XXXX dollar per month and permanent damage to my credit doesn't provide mortgage payment assistance and instead puts the homeowner in a worse situation. They stated an incorrect amount on my gross income that was different than what I reported in the interview and in the paperwork I provided. They also appraised the wrong house and have that information incorrect. All they do is tell you to appeal and/or reapply which results in a constant pattern of nothing ever getting done at all. This loan modification program is boiled down to an exact science of stalling and giving the run around and obstacles that can't be overcome by mishandling information so that they never have to actually provide assistance to their customers. Bank of America 's loan modification program is predatory lending plain and simple and needs to be investigated by the attorney general 's office.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Payfare International Inc. (AZ)

I already filed a complaint and the company claimed I did not attempt to reach out. The attached photos show the NUMEROUS ATTEMPTS! In todays call, the representative stated a balance that was NOT ACCURATE! I have screenshots showing such. He stated yesterday morning I had a balance of approx {$54.00}. As shown in the photo which shows the time, it was {$47.00}. Had the rewards been credited it WOULD HAVE been that amount. However, it was not credited. Additionally, prior to working I had {$28.00} before spending {$20.00} on gas. I earned {$9.00} which should have raised my balance accordingly. It did NOT! A simple review would show this company is lying not only about me contacting them, but about the missing money! These calls are recoded and will show the complete careless accounting and interest in rectifying the situation.
Consumer complaint received 2024-06-24
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (NM)

My Identity was used to rent an apartment in TX. I have owned my home in XXXX NM for 10 years. As a result XX/XX/year> a collection reported on my credit report from Procollect , Inc for {$2900.00} from an apartment I found to be in TX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never lived here, this is fraud and I tried to contact the ProCollect since XX/XX/year> to resolve and requested " validation of debt '' they were no help and called me a liar, suggested they never received my email with Police Report information. I also sent all correspondence certified mail for the fraudulently opened account and they did nothing about it. I have spoke to several different " account managers '' from ProCollect and they are extremely rude and refuse to provide validation of debt, instead they are calling me a liar and requesting I send the Police report for a 4th time now. I have no problem paying my debts but I refuse to pay for an account that is not mine. They even said XXXX was the primary on the account. I did not give permission to XXXX or anyone for that matter to use my identity. I have never had any collection accounts on my credit file in my 75 years of life. And now I am unable to obtain credit to support my family, do to the fraud. I have also filed an ID Theft report with the FTC, a complaint with TX Attorney General. Almost a year of trying to resolve this matter.
Consumer complaint received 2024-06-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: U.S. BANCORP (WA)

On XX/XX/XXXX travel to XXXX XXXX California, I lost my debit.card. went to the bank on XX/XX/XXXX to get a new card, and cancel my old card, the banker, at us bank provide me XXXX a new card he never cancel the old card, who ever found that card were available to use it, I don't noticed, until XX/XX/XXXX XXXX they start to withdraw money from atms, call and start a fraud claim, us bank fraud department close the case, arguing, I have two.de it cards, on my posesion, file a police report send it to them still they are not investigating anything, the same bank fraud state I use both cards, at same time on different states, such california, XXXX and XXXX wa, I did a little investigation went to the bank and ask for a second card all us bank branches were I ask for new card they told me they can't provide two cards on same account, also travel to California to the bank were I get new card and the bank manager told me that before I get a new card they have to cancel old card in order for them to pro ide me a new card, so was the banker mistake, until now I haven't get an answer, from them or a reimburse, they want me to investigate the fraud,
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-05-15
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: EQUIFAX, INC. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$5700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX - XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

hello I currently bank with bank of America and have been noticing charges that I or anyone has never made also there are transactions where there the purchase amount has been increased to reflect a different amount. when this occurs bank of America would lock me out of my account then due to " fraud ''. there has been no complaints on my end of any fraud on my account for a while because when I do make a complaint Bank of America punishes me by putting unnecessary fraud blockages on my account. bank of America currently has my account on a fraud hold now for no apparent reason, every time they send me a fraud text message I respond clearing the fraudulent charge as a good charge. when logged into my account I can't view any of my credit card charges so I had to go to my credit card reward activity to view the current charges on my credit card that's when I found a charge that Bank of America had increased by {$1000.00} to reflect a different amount. Bank of America fraudulently went into my credit card account while they locked me out of my account and the ability to directly view my charges, then they started changing transactions on my account to show a different amount than what I purchased from these vendors. I took screenshots of these transactions and called Bank of America then they took what little access I had away. they have now locked me out of viewing my credit card transactions completely. I have verified myself multiple times with this bank and they are stating that I have to come into a financial center even though I have explained to them that I am out of the country. this is not the first time the bank has locked me out of my accounts while I was out of the country. I have requested of the bank to let me view my transactions because I need to see what I am paying interest on and they have refused. I have screenshot copies of these charges to proved support of this fraud by Bank of America. the files that I have uploaded show my credit card account before bank of America locked me out of my account for " fraud '' purposes, the other images shows the transactions while Bank of America has my account locked.
Consumer complaint received 2022-12-06
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. (IL)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX Account # XXXX, XXXX  XXXX, XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known, or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC. (TX)

I am writing to complaint to XXXX XXXX XXXX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX TX XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XX/XX/year>. The FTC report number related with this complaint is XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2024-06-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: We Collect Inc (WA)

Hi, This complaint is a continuation of case XXXX. 

My information has been forwarded to Atlas Financial Services by XXXX XXXX  ( XXXX ), XXXX to persist with the debt collection even though XXXX XXXX XXXX XXXXXXXX ), XXXX failed to respond to the debt validation request.
Consumer complaint received 2024-06-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

Mortgage payment was raised {$220.00} in XX/XX/year>. Called the mortgage company to inquire why increase, company stated increase was due to the insurance company 's increase. Called insurance company and they stated renewal not due until XXXX. Called mortgage company back.increase was due to their projection. 

After renewal of insurance which decreased by XXXX dollars. Called the mortgage again requesting to return my payment back to original payment. Mortage company refused and just reduced this increase by XXXX 

Now we get a statement of increased principal and interest payments to condone new payment.
Consumer complaint received 2024-06-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (HI)

On XX/XX/2024 I submitted a complaint against LVNV FUNDING LLC [ Complaint id # XXXX ] and in that complaint I attached a dispute letter that gave them a refusal to pay/cease and desist notice. In that notice I specifically explained and quoted the FDCPA and its laws regarding cease and desist. I had requested that this company cease communication with me both directly and indirectly through all mediums as described in the FDCPA however LVNV FUNDING LLC is still communicating with me via credit reporting. Credit reporting is an indirect medium as they are contacting a third party agency ( consumer reporting agencies ) about this alleged debt. This is a direct violation of 15 U.S. Code 1692c ( c ), in other words section 805 of the FDCPA. This is my last warning to this agency before I proceed with legal action.
Consumer complaint received 2024-06-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (HI)

I had previously filed a complaint against LVNV FUNDING LLC on XX/XX/year> [ Complaint id # XXXX ] and got a response from a separate company known as Resurgent Capital Services which also violates the Fair Debt Collection Practices Act ( FDCPA ), to be specific, 15 U.S. Code 1692e ( 14 ). In that complaint I have stated that they are claiming I owe a debt and reported it to consumer reporting agencies without giving me, the consumer proper notification of the debt. I stated that I wanted evidence that they followed the procedures of the FDCPA by providing the following ; The green return receipt/card bearing my signature that proves they notified me of the debt 5 days prior to reporting, the purchase agreement, proof they are both licensed to collect and bonded in XXXX  where I reside, all statements of the account dating back to when it was first {$0.00}. To date they have NOT provided any evidence beside a few billing statements. They did NOT provide enough evidence to support their claim which further violates the FDCPA, not to mention the Fair Credit Reporting Act ( FCRA ) as they are reporting an unverifiable account to consumer reporting agencies.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (CA)

I had my vehicle loan on auto pay for several years with Santander Consumer USA. I would get an email every month for the bill and the last email was XX/XX/XXXX. I never both opening the emails as I know it was on auto pay. Then XX/XX/XXXX I received an email. I thought it was odd since it should've now been paid off - the entire loan. So I called them and they said auto pay doesn't work when the amount is not the same, yet in the emails ( XXXX, XXXX and XXXX 's emails ) it didn't say they could not debit/charge me for the last payment. I promptly made the last payment of {$250.00} the same day XX/XX/24. I have credit monitoring alerts on due to several companies being breached and was alerted of a negative alert that brought my score down like XXXX points! I called Santander immediately, and they said they never reported it and to call XXXX. I called them and they said they only get this information from Santander and that they don't place this type of information on their own, which of course made sense but I was following the directions of the Santander representative. Now I have a negative event on my impeccable credit report due to lack of clarity in emails and process for autopay. They never called me or emailed me saying I was late nor are they helping me to remove this negative event considering I paid as soon as the next email came in. There was also no email in XXXX. If I was so delinquent, why wouldn't they email every month or even every week.
Consumer complaint received 2024-06-29
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc. (TX)

Dear CFPB, I am writing to dispute a debt that has been reported by an agency to the credit bureaus. According to my records, there seems to be an error in the reporting of this debt. The debt in question appears on my credit report as from CENTRAL PORTFOLIO CONT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I believe there has been a mistake in its reporting. I am formally requesting that they provide validation of this debt as per my rights under the Fair Debt Collection Practices Act. Additionally, I request that they cease all collection activities until the validation process is complete. It is my understanding that the Consumer Financial Protection Bureau ( CFPB ) is responsible for overseeing the practices of debt collection agencies. This is my formal complaint with the CFPB to resolve this matter. I am disputing that I owe any and all debt to them. I am also revoking all rights fo them communicating with me through email/text/calls. I request debt validation and any purchase agreement between them and the original creditor. I also request they furnish proof that they are licensed and bonded. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/year>
Consumer complaint received 2024-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PROVIDENT FINANCIAL SERVICES, INC. (NJ)

On XX/XX/XXXX I mailed out XXXX checks in XXXX envelope. 
XXXX of the XXXX checks were stolen, washed and altered paid out to unknown people for {$2000.00} each. I saw my account had a negative checking status and I didn't understand. 

The checks were mobile deposit to an institution named XXXX. I had to XXXX to find out that it was a virtual bank. No one at Provident saw it important to do it. 
I went to Provident bank to file a fraudulent activity and forgery affidavit for both checks, asked to change my account and put a hold on withdrawals, as there was still a check missing from the XXXX mailed out. I went to the police to have a report claimed. 
I provided Provident with proof of the original checks and the forgery ones. 
Clearly the signatures were different, and then I didn't have enough funds, and the overdraft I had was not enough to cover the XXXX check of {$2000.00} but it was paid. 

I had to repeatedly go and find out the status of this robbery. Then on XX/XX/XXXX I was told that it would take XXXX months or more to get this resolved. I insisted they need to give me temporary credit back since the account was over drafted and I was sent letters that threaten if I didn't have funds back into the account I would be sent to collections. I received letters charging me fees. 
I know these letters are automated but it's a big bank that should have communication across the board. 
I finally was approved by a supervisor to allow the XXXX at my branch to give my temporary credit for {$2000.00} on XX/XX/XXXX. I was told it was a courtesy. I'd like to see the policy on that. 
I felt that Provident is too busy with their merger with XXXX bank that they didn't care about these things happening simultaneously.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc. (NV)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Nevada XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX