davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-21
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dear Bank of America Customer Service, I am writing to formally dispute the unauthorized transactions on my Bank of America account and to address several failures on Bank of America 's part, including the lack of proper notification, the unauthorized issuance of replacement cards, and duplicate charges for transactions. Despite my diligent efforts to ensure that I received all necessary notifications from Bank of America, I did not receive any alerts notify regarding these unauthorized activities on my account. 

At the time of the transactions in question, Bank of America failed to notify me as agreed upon. This lack of communication directly contradicts the protections and services that Bank of America is obligated to provide its customers. Furthermore, Bank of America was not authorized to send out replacement cards on my behalf, which directly contributed to the unauthorized activities on my account over the past ten months. Additionally, I have been charged twice, sometimes even three times, for transactions that I did not authorize or make. 

I was only notified about the unauthorized fraudulent activity in XXXX when I received a letter stating the issue. This activity should have been spotted years ago if Bank of America was providing the services that offered to me at the beginning of account being opened Due to these failures and the resulting financial loss, I am requesting an immediate investigation into these unauthorized transactions and a full reimbursement of the disputed amounts. Additionally, I urge Bank of America to review and rectify their notification procedures, card issuance policies, and transaction processing systems to prevent such issues from affecting other customers in the future.
Consumer complaint received 2024-06-25
Product: Mortgage — FHA 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: NEW YORK COMMUNITY BANCORP INC (PA)

I entered into a loss mitigation agreement with XXXX XXXX  before my loan was transferred to Flagstar bank. The documents were signed and notarized and approve by XXXX, but Flagstar has never acknowledged them and I have received conflicting information from every representative I have spoken to at Flagstar regarding this issue.
Consumer complaint received 2023-11-09
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: LCI Acquisition Inc. (CA)

I TRIED CONTACTING THEM BT IT SEEMS LIKE THEY ARE BLOCKING AN UPDATED VERSION OF MY CREDIT REPORT AND SCORE FROM SEVERAL WEBSITES AS WELL AS THEIR OWN SO I CAN SEE UPDATED INFORMATION. IT SEEMS RETALIATORY SINCE I HAVE FILED COMPLAINTS FOR INCOREECT REPORTING IN THE PAST. 

it always says temporary issue and yur report is not available ( For 3 months know )
Consumer complaint received 2024-06-06
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. (TN)

I contacted XXXX three times in XXXX requesting that XXXX XXXX XXXX provide me proof that the bill their trying to collect is indeed mine. I never received the info and they sided with XXXX each time. So I contacted XXXX on XX/XX/XXXX requesting that they send me copies of my original signature opening the account and my signature saying that I agreed for my account to be sold and collected by a third party collection agency. They sent me copies of account statements, no signatures on XX/XX/XXXX. I contacted them again and received another letter with copies of statements on XX/XX/XXXX. I called them when I received this and asked to speak to a manager. I was informed that no manager was available and they could not help me. So on XX/XX/XXXX I sent them a letter requesting the information again. They received my letter on XX/XX/XXXX and as of today this account is still on my credit report. So I called them again and they said they would escalate this. At this time the 30 days they are required to have this settled is past and I this is still on my credit reports with no proof that it is even mine. 
I am asking that this be removed from my credit report! All copies of statements sent with their letters were the same ones each time
Consumer complaint received 2023-09-05
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. (IN)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NM)

In early XXXX, I visited XXXX XXXX for about 3 days. During that time, I used my personal debit card at 8 businesses, including 2 gas stations. My debit card apparently got skimmed. 

On XX/XX/XXXX, I arrived in XXXX, CA and stayed the night. 

On XX/XX/XXXX, I arrived in Arizona and purchased fuel with my debit card in XXXX, AZ. 

On XX/XX/XXXX, someone began withdrawing cash from an ATM at XXXX XXXX XXXX in XXXX XXXX, CA. 

They continued to return, almost daily, and withdraw {$100.00}, with a {$3.00} non-Chase ATM fee, and Chase Bank never detected this as unusual activity. 

In total, they withdrew {$100.00} ( plus {$3.00} fee ) XXXX  times over the course of 30 days, from the exact same ATM. 

When I noticed the charges on XX/XX/XXXX, I immediately called Chase to take action. 

Despite my debit card records showing that I was in Arizona, and then arrived to my home location of XXXX, NM on XX/XX/XXXX, Chase denied my claim. 

The total I lost in debit card fraud was {$2600.00}.
Consumer complaint received 2024-07-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Self Financial Inc. (GA)

Merchant : XXXX XXXX : Self Financial Recurrent transactions on the XXXX of each month from XXXX to XXXX in the amount of {$24.00}. Contacted Self Financial on XX/XX/24 to initiate dispute. spoke with rep XXXX who provided Case # XXXX - Follow up on XX/XX/24 with XXXX to verify dispute has been granted, XXXX representative XXXX confirmed Self Financial has not contacted Apple regarding charges. XXXX no charge back has been initiated or completed. XXXX XXXX. 

Contacted Self Financial XX/XX/24 to check status, rep XXXX confirmed case denied again stating charges not fraud due to similar charges on account. Representative recommended to request new card replacement to help with issue. 

XXXX Replace card request dont XXXX XX/XX/24 contacted Self to check status of Case, provided information below to contact financial institution via mail for further dispute. 

XXXX crs # Fax : XXXX XXXX hours Address po XXXX highlands ranch co XXXX Attn card member dispute services Contacted Self financial XX/XX/24 spoke with supervisor XXXX who assured me the case would be reopened and thoroughly investigated to make sure the fraud department attempts to contact XXXX and further more contact me for a follow up. Quoted turn around time XXXX business days XX/XX/24 contacted self financial to verify case status, representative XXXX confirmed to me case was not reopened no further investigation is being made and fraud department ruled decision as not fraud.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

In accordance with the fair credit Reporting act Toyota Mortor Credit XXXXhas violated my rights. 15USC 1681 section602 States I have the right to privacy. 15USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2024-06-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Financial Triangle, Inc. (CA)

Financial Triangle loan officer and manager XXXX XXXX is marketing loan program in California, she is not even licensed in California. I attach her flyer. This is illegal. I called Financial Triangle, they just ignored. Financial Triangle and XXXX XXXX mortgage license shall be revoked.
Consumer complaint received 2024-05-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (GA)

To : Shellpoint/Newrez RE XXXX XXXX & Acct : XXXX In response to your USPS Certified mail sent to me and dated XX/XX/XXXX. The slip for pickup dated XX/XX/XXXX and received on XX/XX/XXXX as your receipt will indicate. 
I should not need to contact Shellpoint for an exact balance due monthly. The exact should be denoted on the mortgage statement due for the following month. Is that not the purpose of a monthly statement? 
As you stated the correspondence is duplicative and you have responded. You did respond on the requested interest of payment for the flood insurance I made on behalf of Shellpoint/Newrez that was supposed to be paid from my escrow account. You made the payment two months later. Your responses have not satisfied inquiries and the requested supported documentation. Therefore, it will be duplicative inquires. Ive also received duplicative correspondence from you stating its complex matter, send correspondence to another address, blah, blah, blah. 
You stated two payments were applied to the principal balance in XXXX. Im requesting copies of the mortgage statements with the transaction activity displaying the payments were applied to the principal only. Once received, it should avoid duplicate correspondences. You failed to state that the two payments applied to the principal should have applied to the designated month indicated on the payment. Check # XXXX payment should have been applied to XX/XX/XXXX balance due. 
The mortgage statements section Important Payment Information, states to designate how you want additional funds applied and the payment will apply as directed. All my payments indicated the month to apply the payments. I never requested any of my payments to be applied to the principal only. The payment information never mentioned payment hierarchy. 
You have never responded to my request of reimbursement for my out of pocket payment on the tax payment of {$1900.00} and why was it not paid from my escrow account. Again, I never stated there was an overpayment in the XXXX taxes. I stated the payment was made by me and not my escrow account. Therefore, this matter is unresolved. I never made inquiry about the XXXX tax bill. 
Your XX/XX/XXXX response through CFPB never stated anything pertaining to the tax payment. Your XX/XX/XXXX correspondence only stated, At this time, our Tax Department is currently reviewing your inquiry as confirm if there were any refunds or overpayments previously due. Purchasing the loan has nothing to do with my reimbursement. 
The loan history summary is for the mortgagee. I require monthly mortgage statement displaying the transaction activity. 
I look forward to answers to prevent duplication.
Consumer complaint received 2023-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC (TX)

An alleged debt of {$770.00} continues to be reported on my consumer report despite proof that I did not personally open this account. I have shared with XXXX XXXXXXXX XXXX XXXX XXXX XXXX an FTC affidavit, police report, XXXX proofs of residency dated from XX/XX/XXXX through XX/XX/XXXX, an identity theft packet from the local sheriffs department that included a second affidavit, and XXXX still refused to remove this alleged debt and claims I am still responsible for the debt. My ex-boyfriend used my social security number and compromised my personal information to open up an XXXX account without my permission. He attempted to make payments in good faith, but due to the worldwide pandemic, he was unable to continue making payments. Thus, causing a derogatory mark on my personal consumer report. This went unnoticed until I starting receiving debt collector letters. 

I did not discover these charges until late XXXX in which I contacted XXXX for billing statements to unravel and self-investigate the alleged charges. XXXX XXXX XXXX, and XXXX from the collections department, have both interrogated me with FALSE ASSUMPTIONS. They refuse to provide me with the original agreement that shows my signature or any other proof that I entered into an agreement with them. I have called XXXX to resolve this over the phone with negative pushback and insensitive remarks accusing me that I owe this alleged debt. I have mailed PROOF to them that I never opened this account. I have requested billing statements, along with the original agreement and full accounting statements, but they refuse to provide me with details about this account. 

In addition, on XX/XX/XXXX, I sent a complaint letter to all XXXX credit bureaus ( XXXX, XXXX, XXXX ) explaining that FCRA 605B requires consumer reporting agencies to BLOCK fraudulent information within 4 days. I have given no one CONSENT to report this information.
Consumer complaint received 2024-05-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Capital One/Wal-Mart credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Wal-Mart ecommerce online i thought it was XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Utah XXXX Wal-Mart Super Center with my Capital One credit card.I requested Replacement or get fix on XXXX XXXX. Wal-Mart sent request to XXXX XXXX XXXX XXXXXXXX, but i never got call, or text messages, no emails from them.So i made another complaint to Walmart yesterday on XXXX XXXX, well theytext me today say they gave me Refunded, its not on my credit card, its on ecommerce using there last 4digits # XXXX, is not my card and was not used online transaction.This same problem on generator i bought put refunded on someone else card XXXX, not mine.Plus Wal-Mart refused me for their company XXXX XXXX  protection plan i paid {$6.00} for two years refused my refunded, said i must contact manufacturer.Because it was under year, so they only put {$61.00} on wrong credit card # XXXX not mine.Mine last 4digits # XXXX was used in purchase, plus i need {$6.00} they need to refund {$67.00} with warranty they refused to takecare of my problem.
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY (CA)

I received a letter from XXXX XXXX XXXX dated XX/XX/2012 that my accounts are being closed based on information they obtained from a Consumer Report from XXXX XXXX XXXX XXXX. 

I disputed the matter with XXXX, however after their investigation, my acounts were closed. 

I disputed the matter with XXXX XXXX XXXX on XXXX XXXX and received their response regarding information they reported on their consumer report dated XX/XX/2012. 

I filed a police report with XXXX Police Department, in XXXX California, USA of Identity Theft, report number XXXX and with the Federal Trade Commision , FTC XXXX XXXX No. XXXX dated XX/XX/2012. 

I was receiving California State Unemployment benefits that were being deposited to my accounts here and with Wells Fargo Bank, NA. 

I filed a complaint with CFPB against Wells Fargo Bank, NA speratley.
Consumer complaint received 2024-07-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC (NV)

Citibank held two of my accounts that were both sold to Cavarly Portfolio Services ( possibly to XXXX XXXX XXXX and others that have tried to collect ). Cavalry Portfolio assigned these debts to XXXX XXXX XXXX and XXXX XXXX firm. A few years ago an incident happened where when I was dealing with these entities somebody showed up to my house knocked on the door and was irritated when there was no answer so they went to ask the neighbor if I lived there. After they got their answer they left sensitive personal information posted on the garage door with a threat if I didn't call them my private information was going to be left in a gas station or listed on the media ( Newspaper ). This incident was witnessed by several neighbors and a video of the guy still saved on my phone to this day. This was reported but XXXX XXXX XXXX stopped communicating with me after. XXXX XXXX XXXX on the other hand used excessive means like calls, abuse, intimidation, Filling lawsuit on debt collection ( more than three times ). Last one was done on XX/XX/XXXX both sent to me by mail and email, filled by XXXX XXXX and looked like there was no judgement on the case ( improper notification and infringing on my consumer rights ). Not only that Citibank also misstated on the debts, one of them which was $ {$3900.00}, they were trying to collect {$8100.00} ( seriously ) but denied there was ever junk fees and wouldn't explain the other amount they were trying to collect but they forgot they sent me a letter before on XX/XX/XXXX that I saved that showed the break down. These entities have used some extreme measures of which some are considered illegal. Nobody should have to deal with the behaviors of any of these entities that wont even do investigation on any incidents reported to them but only choose to intimidate more and come after collections while breaking the consumer protection laws, the fair debt collection practices acts ( FDCPA ) among others. Documents included
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

TransUnion XXXX, XXXX XXXX XXXX XXXX additional information ion account has already been disputed .refused to make accurate reporting seen on my credit report. Scores shown on my credit inacuracted report this account is being graded incorrectly just Dispiuted. I received letters from automobile company called XXXX XXXX XXXX. XXXX, Account who ageed to resend additional letters this account wasn't never late this account settled. Before aggred. Owner name shown on the account XXXX XXXX. On his credit report correctly seen No late payments, seen on my credit report. Listed seen on my credits report late payments XX/XX/year>. Which incorrec
Consumer complaint received 2023-07-14
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)

I Reached out to XXXX Equifax and XXXX in Attempt to get them to delete the account on XX/XX/23 and was told I still have A balance with XXXX XXXX account number XXXX which I do not. The account is completely paid off
Consumer complaint received 2024-07-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Automated Collection Services, Inc. (CA)

I have been a victim of identity theft. I did not open a new account with this medial office and a collection agency has informed me and i see this collection agency and/or medical company on my credit report that i did not open or authorize this account. XX/XX/year>2022 Someone stole my drivers license, discover card, and other cards from me. I filed a police report regarding this theft shorty after i was experiencing fraud attempts using my name.

I also suspect this was a previous employee that worked for the same company as me, I only think this because two other co workers i know are experiencing some the same situations.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENOVA INTERNATIONAL, INC. (AL)

I am writing to dispute the inaccurate information reported on my credit report by all three Consumer Reporting Agencies. Specifically, my account with NetCredit ( Account Number : XXXX ) is showing multiple months of being 180 days late, which is incorrect and misleading.

Details of the dispute are as follows : 1. Inaccurate Late Payments : My credit report shows that I was 180 days late for multiple consecutive months in XXXX and XXXX. This is factually incorrect and does not reflect my actual payment history. Such inaccuracies are severely impacting my credit score and overall creditworthiness.

This inaccurate reporting is a direct violation of the Fair Credit Reporting Act ( 15 USC 1681 ). I am hereby putting you on notice that failure to remove this inaccurate information from my consumer report within 30 days will be considered willful noncompliance with the FCRA. 

I request that XXXX, XXXX, XXXX, and NetCredit take immediate action to investigate and remove this inaccuracy from my credit report. Please provide written confirmation of your investigation and the corrections made to my credit report. 

Thank you for your prompt attention to this matter. I look forward to your response.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had too late payments on an account that I was in fact paid on time. The consumer reported an agency need to report all information with complete accuracy. This account should not l have late payments. I have attached A copy of my report for this complaint. As you will see the inaccuracies between Trans Union XXXX and XXXX, I am now requesting you to investigate and provide verified proof with record showing that I had late payments. If the information can not be verified, I demand these payments be updated to pay on time immediately thank you for understanding.