davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dear Madam or Sir, I find I had by cheated, I want compliant Bank of America mortgage department. My refinance loan number is XXXX. I request BOA refund my prepaid appraisal fee {$470.00}. 

When I found my refinance loans amount having {$870.00} different, I want cancelled my case, I told with mortgage loan officer ( XXXX XXXX XXXX ) of BOA for the loan amount I want cancel my case, but after she agree the loan amount is {$220000.00} at XXXX XXXX, 2016, so next day I went to BOA office sign IRS documents. Then XXXX following processed the next step call appraisal schedule to my house value. When I received the BOA report found the loan amount did n't correction for change. 
After the house appraiser value of my house, I got the house value was {$540000.00} over 50 % for my loan amount, but XXXX called me I need replacement for my fences, I think it is unreasonable request, it is hard to accept, because the old fence has been deducted value from the total value of the house. 
I thought about my case, if the loan officer did n't agree my loan amount she can made the case cancel when I request, no need the house appraisers take my house value, so I no need pay the appraisal fee. Then she conduct the appraiser for my house after then picky on my house made more request of my house, after that I cancelled my case. 
When I complain with XXXX XXXX XXXX and BOA services survey, never got any respond. 
I felt very uncomfortable and unfair, the BOA give to me unreasonable request. So I request BOA refund my prepaid fee {$470.00}. 
I want get government help for my case. Thank you so much. 


sincerely yours, House Owner : XXXX XXXX XXXX Email : XXXXXXXXXXXX Cell : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX My refinance loan number is XXXX
Consumer complaint received 2022-11-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

BANK OF AMERICA was first notified in XXXX that XXXX XXXX and others were repeatedly taking money from my account ( current total ~ {$100000.00} ) and did nothing to prevent it. She repeatedly used my money to pay the same household bills, but they didn't block those payments. 
I was repeatedly assured the account was frozen, and a few weeks later would find she was spending my money again. 
In XXXX, XXXX produced a report given to my social worker ( I am XXXX ) confirming that XXXX and friends were accessing my account, but still did nothing to stop the ongoing thefts. 
In XX/XX/XXXX, despite dozens of warnings that there is an identity thief, and their own report, they allowed her to change the address for ALL my accounts ( giving her the account numbers she didn't have ) and sent her new cards, cancelling mine. The employee who froze my accounts failed to give me the password so I can't access my own money, nor request new cards. 
The XXXX was paid in full in XXXX. Someone XXXX reversed that payment, and XXXX has stubbornly refused to use either the cash they have access to or the rewards points to pay off the card and has persisted in reporting it as months overdue, which has now resulted in all my credit cards no longer working. I am about to be homeless because of their screwup. I just want my money and credit rating back.
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: Experian Information Solutions Inc. (CT)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-07-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC (TX)

Medical Dept was settled and paid off in XX/XX/XXXX. Original date of service is XX/XX/XXXX. Receiving collection calls everyday and threatening messages being left on voicemail of being sued, wage garnishment, and higher accumulation of additional fees. Derogatory mark has damaged credit history. Many attempts have been made with WAKEFIELD & ASSOCIATES , INC. to have them remove derrogatory marks and stop fraudulent collection attempts.
Consumer complaint received 2022-11-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (LA)

XX/XX/XXXX denied for XXXX XXXX XXXX XXXX XXXX XXXX ) because I did not have the " right kind of loans '' Received a letter XXXX XXXX stating I should resubmit application because requirements changed XX/XX/XXXX sent in current application for XXXX and was also encouraged to consolidate with MOHELA Both application and consolidation was done and processed in XXXX Checked Mohela 's website at the end of XXXX. It showed XXXX of XXXX payments qualified but the others had not. No change in XXXX of beginning of XXXX. Then mid XXXX I received a letter from them stating I was not approved for the XXXX because of employment and payments. I applied for a reconsideration with them and resubmitted forms showing my employment and payments. They sent back an email stating my employer was a qualified employer and I should call to look into this. When calling you can not get in touch with anyone and lately it says the call volume is too high to be accepting calls and just hangs up. 
I have taught in a low income parish and have had the same employer for over XXXX years and paid my XXXX plus payments to the same lender so I do not understand why it would say XXXX payment qualifies and the others do not especially after getting confirmation from the reconsideration committee that mine should go through and be approved for forgiveness.
Consumer complaint received 2023-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account
Consumer complaint received 2023-03-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXXXXXX - Has violated my rights XXXX XXXX XXXXXXXX - Has violated my rights XXXX XXXX - Has violated my rights XXXX XXXX - Has violated my rights XXXX XXXXXXXX XXXX - Date Opened XX/XX/XXXX - Has violated my rights XXXX  XXXX -Has violated my rights DEPT OF ED/XXXX XXXXXXXX - Has violated my rights DEPT OF ED/XXXX XXXXXXXX - Has violated my rights DEPT OF ED/XXXX XXXXXXXX - Has violated my rights XXXX XXXXXXXX XXXX - {$0.00} - Date Opened XX/XX/XXXX -Has violated my rights UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX - Has violated my rights XXXX XXXX Has violated my rights XXXX XXXXXXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

The following accounts/inquiries were taken off my credit report : XXXX, XXXX ( 2 occurrences ), XXXX XXXX XXXX, XXXX/XXXX ( 2 occurrences ), XXXX/XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX, but all the items were put back on credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. I received no such notification. This is very serious violation of the FCRA. These items need to be removed off my credit report.
Consumer complaint received 2023-07-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP (TN)

I was scammed of {$1300.00} by someone on XXXX because they posted an apartment for rent claiming to be the landlord. He took all of my information like social security number, where I live, and how I look like. I contacted my bank which is US Bank and they declined my claim that I put to get my money back because apparently my insurance through my bank doesnt cover fraud which I had no clue because most banks like XXXX  XXXX XXXX does. I filed a police report and requested a new claim with my bank again. I dont know what else to do to get my money back. Please help me out, thank you.
Consumer complaint received 2021-04-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CT)

I have been on a forebearance plan and called to extend that and was told it was extended. 

I have been getting foreclosure notices in the mail and have not been able to reach the servicer. The website is not working and I have tried calling with 154 callers ahead of me. 

I need to speak with someone about my loan and can not reach anyone.
Consumer complaint received 2020-08-07
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. (AR)

Awhile back I lost my wallet with all my personal information inside. I did not think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These accounts are not mine Some had used my information without my knowledge to initiate these accounts. and it affects my finances. I have tried to work with bureaus to resolve this issue to no avail, with limited correspondence, and not in timely manner.
Consumer complaint received 2023-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute the validity of an account held by your company, XXXX XXXX XXXX, as it pertains to my personal financial records. Pursuant to the provisions set forth by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I request a comprehensive investigation into the alleged debt associated with the aforementioned account. 

Account Details : Account Number : XXXX Original Creditor : XXXX XXXX Date of Account Opening : XX/XX/2022 Amount in Dispute : {$150.00} I believe there may be inaccuracies and discrepancies regarding the aforementioned account. Under the FCRA, I am entitled to receive a written response within 30 days of this letter and a detailed investigation into the matter. During this investigation, I kindly request that you provide the following information : Verification of Debt : I request that you provide valid documentation verifying the debt, including the original contract, signed agreement, or any other pertinent documents proving my liability for the alleged debt. It is essential that the documents clearly establish my obligation to pay.

Verification of Creditor 's Authority : Please provide proof that XXXX XXXX XXXX has the legal authority to collect on this debt and that the debt was assigned to your company lawfully. 

Validation of Reporting : If you have reported this debt to any credit reporting agencies, please provide proof of accurate reporting. I request that you furnish any supporting documentation demonstrating that the account information has been correctly reported, including dates and amounts. 

Cease and Desist : In accordance with the FDCPA, I kindly request that you cease all communication with me regarding this debt until the investigation is complete. This includes phone calls, letters, and any other means of communication. Please restrict any contact to providing me with the requested documentation and notifying me of the results of the investigation. 

Failure to comply with the aforementioned requests may result in legal action. If it is determined that any violation of my rights under the FDCPA or the FCRA has occurred, I reserve the right to pursue all available remedies under the law. 

I would also like to request that you confirm in writing that this dispute has been received and is being investigated. Additionally, I kindly request that you provide me with the contact information for your designated agent for service of process, as required by the FDCPA. 

Please direct all correspondence, including the requested documentation, to the address listed at the top of this letter. I appreciate your prompt attention to this matter and your cooperation in resolving this dispute. 

If you do not any proof, you must delete this account immediately.
Consumer complaint received 2023-03-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate and unfair. The following items are of concern : XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX  XX/XX/XXXX Inquiry XXXX XXXX XXXXXX/XX/XXXX Inquiry XXXX XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX  XXXX Collection Account I would like to request that you investigate these items and remove any inaccurate or incomplete information from my credit report. These items are negatively impacting my credit score and my ability to obtain credit. 

I believe that the XXXX XXXX XXXX XXXX account listed on my credit report is inaccurate. I have never had an account with this company and therefore, I would like it to be removed from my credit report. Additionally, the XXXX XXXX account and the XXXX XXXX account are inaccurate as I have already paid off these accounts. I have proof of payments and I would like to submit them to you for review. 

I would also like to request that you provide me with a copy of my credit report after any corrections have been made. I appreciate your attention to this matter and your prompt response in resolving these disputes. 
XXXX : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-07
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. (PA)

In accordance with the Fair credit Reporting act. The List or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$870.00}
Consumer complaint received 2024-04-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: WELLS FARGO & COMPANY (FL)

2020 Refinanced my home with another mortgage lender. Equity line was paid in full. Wells fargo states that because they could not close the account because they did not receive a closed letter from new mortgage provider. To keep the account open, it had to have balance. So they sent me two check totaling {$1500.00} that I did not request. They sent two letter over XXXX in regard to closing the account. I assumed the funds were refunds from my refinance. i just found out this week that I have a lien against my property for funds I never requested due to internal WellsFargo policies of not being able to have a XXXX balance an account and needing a close letter or apparently they will send you money I did not request.
Consumer complaint received 2023-02-15
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. (PA)

Accordance to the fair credit reporting act. XXXX XXXX XXXX # XXXX Has violated my rights. 15 USC 1681 Section602a I have the right to privacy.15 USC 1681 Section604a Section2 a consumer reporting agency can not an account furnish without written instructions.
Consumer complaint received 2023-02-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OH)

A customer made a payment on XXXX. 

The payment was received. 

It was a contractually obligated payment for rent and deposit. 

XXXX the tenant disputed the charges. 

I called and the tenant claimed they didn't dispute the charges. 

The money was removed from my account and given to the tenant with no authorization from account holder. 

I messaged and called Venmo and they said it's already done. 

They do not have that authority to steal money from my account to give to someone. This is fraud. They won't resolve it. So now I'm here asking for consumer protection.
Consumer complaint received 2023-10-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AA Recovery Solutions, Inc. (MO)

AA Recovery Solutions has been calling non-stop since XXXX. I never received anything in writing from them. They constantly send text messages and the last one that I received was back at the end of XXXX. I responded and said send me validation in writing. I then received an email from XXXX that said I agreed to pay the debt in full, which is NOT true. From there, I was able to get their address and promptly sent a debt validation letter. I have not received anything from them, yet they continue to harass me over the phone.
Consumer complaint received 2023-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my multiple letter that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX 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