davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-22
Product: Credit card or 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)

On XX/XX/2022, I received a very official looking email from the Bank of America stating that there was an issue with my California XXXX account and that I should call them - which I did. I verified all my information with the operator, but said operator could not find any issues with my account. 
On XX/XX/2022, two transfers were made from my BofA XXXX account, the first for {$2400.00} to an account which was not mine, which was immediately closed and then another transfer for {$600.00} to a new account which, again, had nothing to do with me. 

I tried to contact the BofA, but all my passwords and information had been changed. 

After seven guelling attempts and as many hours, I was able to reinstate my personal information. I filed a dispute with BofA over the fraudulently removed funds. 

Several days later, I called BofA to discover that they denied my dispute without investigation. I was able to speak with a supervisor who looked at the issue and agreed that there was obvious fraud and reopened the investigation. 

Today, XX/XX/2022, I learned that the dispute was denied again- without investigation - dispite my having provided BofA at their request with all pertinent information regarding the phishing email and my phone records indication that I had indeed called the site. This information - requested by old fashioned phone fax - was apparently not even looked at. 

I was able to reach another supervisor who agreed that there was obvious fraud and re-opened the dispute a second time. 

It is obvious that there are people inside either California XXXX or Bank of America or both who are providing personal information to third party scammers. Bank of America for its part is doing nothing to adress this problem and dismisses dissputes out of hand without any investigation whatsoever.
Consumer complaint received 2022-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES (CA)

Mortgage Payment was mailed to address on coupon provided by Provident Funding, same as I've done for last 20+ years. They claim they never received the XX/XX/XXXX payment, mailed on XX/XX/XXXX. I called customer service, and was told to cancel the check and resubmit, which I did immediately. However, they are INSISTING that this is my fault and are assessing a {$39.00} late fee. They refuse to refund the fee, stating that is " wasn't a Provident Funding '' error. However, there's really no way to know where the error is... ..they send me a coupon book and instruct me to send the check to a lockbox/ po box , and from there they have a courrier pick up. For them to give me these instructions and then say they have no responsibility if something goes wrong ( once in 20 years! ) is ridiculous. I've made good on the payment and want my {$39.00} refunded.
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX confirmed to me today that there should be no late payment on my account. My loan has been paid in full. I need this removed immediately, as it has erroneously dropped my score significantly. I no longer qualify for a mortgage that I qualified for before this error was reported. I have asked the credit bureaus to investigate, but even though XXXX confirmed via phone today that there was no late payment, it is still being reported on all three bureaus, effectively stopping me from buying a home.
Consumer complaint received 2022-03-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Tate and Kirlin Assoc (IN)

This company is psychopathic in nature and continues to call, harass, mail, and collect on a debt that I do not owe. They have contacted my daughter repeatedly via text and refuses to validate the debt as accurate. I don't verify my information over the phone and never will. They have also threatened to sue and/or face jail time.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have recently reached out to the bureaus and creditors regarding incorrect items on my credit report. I've been going back and forth for almost a year now and this is very frustrating that. My name is incorrect, my address is incorrect. I've opted out of having my information shared. I sent in letters from the bankruptcy court stating they are not reporting any bankrupt. I've tried disputing with letters and by phone but nothing seems to work. Student loan department have been reporting late payments when the account is actually in deferment. This is caused me quite but of stress. I would like only XXXX name and address on my report. I would like the XXXX to be deleted, Transunion was the only bureau who deleted the information. XXXX is reporting a collection with no contact information for me to see what exactly it is. They just send me letters saying this is verified. I'm not sure who verified this information if there is no creditor listed. XXXX XXXX XXXX is showing XXXX as a creditor one says a charge off and the other is current with a balance on XXXX and {$0.00} on the other.
Consumer complaint received 2022-03-22
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: Experian Information Solutions Inc. (RI)

account found in my most recently credit report and ive called the creditor and my info isnt found?? but its on my credit report when i did not request any of this services
Consumer complaint received 2022-04-19
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have a XXXX XXXX XXXX through the bank of America and they closed my card without notifying me or telling me that it was closed. They refused to allow me to use my card to purchase things for my son who is in college. I was informed over the phone that I must enter the bank with 2 forms of ID to get access to the card. I see no reason why they would close the card and wont tell my why they closed the card.
Consumer complaint received 2019-06-22
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: HW Holding, Inc (SC)

I have sent certified letters to the credit bureaus via mail time and time again requesting this false information be removed from my credit report as they are not able to be validated under the appropriate guidelines. I sent a certified letter on XX/XX/2019 requesting validation of the debt directly from Hunter Warfield to be provided and 30 days to respond to the validation request. I Received a letter from Hunter Warfield dated XX/XX/2019, where they acknowledged the receipt of my dispute a request for verification. They advised that they had not duty to comply with verification demands. I never requested verification, I requested validation including original signed contracts proving my contractual obligation to Hunter Warfield and/or a complete statement of account as required by law to be considered full and completed validation.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DC)

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

XXXXXXXX XXXX XXXX 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 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 2022-04-19
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

I've contacted All 3 credit agencies in regard to these hard inquiries on my credit report. These are all unauthorized. I've called many times and every time I'm not getting the assistance that I need. I make a request to speak to a supervisor and the representative always disconnect the line. Can someone please assist me? I don't know about either of these inquiries. Also, the company that I'm referring to XXXX.
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc. (NY)

I was incorrectly reported as deceased and was unable to obtain my credit score. I hired an attorney and submitted corrections, but they still haven't updated my information. I still don't have access to my credit score. I have suffered severe economic hardship and loss as a result.
Consumer complaint received 2022-04-19
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. (PA)

Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX- XXXX $ XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX / {$14000.00} / XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX $ XXXX XX/XX/XXXX XXXX XXXX $ XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX $ XXXX XX/XX/XXXX XXXX XXXX XXXX {$750.00} / XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX $ XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.
Consumer complaint received 2023-06-29
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: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-19
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (LA)

Columbia Debt Recovery LLC DBA Genesis Cred has ignored multiple C & D request that have been given verbly and over written email. They continue to perform automated calls and harrasing emails. 

They are attempting to collect the debt on behalf of XXXX XXXX Columbia Debt Recovery LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-11
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. (PA)

I have spent hours on the phones trying to resolve this issue. I called week after week to clear my reports my name is XXXX XXXX and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the chargers nor open any of these accounts. I ask that the items be deleted to correct my credit report I have to find new housing as soon as possible. I need this issue cleared I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-04-19
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (PA)

I received surprise email on the morning of XX/XX/XXXX stating that my Citibank accelerated savings account will be closed within 60 days, and there were no prior emails, texts, or calls notifying me of this. My account was locked and my debit card rendered useless, and all I was told by the 6 customer service people ( one who hung up on me ), was the vague language in the email, which stated that I would receive a letter in the mail stating what the issue was, and that I would not have access to my money for up to 60 days, and that it would be mailed to me! 
Since customer service wouldn't even tell me the reason why my account was closed, or if my address was up-to-date for the check to be mailed to, I had to search for a physical Citibank branch in another state. After 2 more calls, I finally got some minor info that there was a fraudulent charge, confirmation that Citibank sent XXXX notifications to me prior to the email, I still had money in my account ( phew!! ) and that it could take up to 90 days to access my funds!! 

I have had a Citibank account since XX/XX/XXXX, and have all of my emergency fund savings in that account and had no plans to close it, but after this experience, no guarantee that I will have access to my life savings ( thank goodness I have another bank or how would I pay my bills?? ), and probably a black mark on my banking records, Citibank will be losing a customer.
Consumer complaint received 2021-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BBVA FINANCIAL CORPORATION (CA)

My credit card was stolen in XXXX XXXX and fraudulent purchases were made on my account. I reported the theft and unauthorized charges to BBVA and was told they would open a dispute into those charges and take them off of my account. Months went by and I received no response, resolution, or deletion of charges from my account. Instead, BBVA hit me with Late Fees, and Interest Charges despite my having reported the fraud and offering a police report. 

XXXX XXXX I followed up on the dispute given I had still seen the charges on my account and subsequently charges that were added, as well as a negative impact on my credit. A representative assured me that he would file a new dispute on my behalf for this and that unlike last time, the process would be expedited. 

We are now in XX/XX/XXXX and that has not been done. BBVA has not only charged me for 4 months worth of late payments and interest charges, they also closed my account without communication and are illegally withholding my security deposit for my account. I have spoken to multiple agents who confirm BBVA made a " mistake '' in charges and the closure of my account yet refuse to rectify the issues in real time and maintain there's a network of different " departments '' who need to process the solution. 

I have opened a total of 7-8 cases with BBVA and have stayed on the phone with customer service for hours on end attempting to get answers and resolutions to their deceitful actions. I have been consistently hung up on, placed on excessively long wait times, denied access and communication to upper management, executives, corporate, and escalations.

I have been robbed. My credit has been ruined, and BBVA has chosen to hide behind a network of non communication.
Consumer complaint received 2015-10-01
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (VA)

Navy Federal Credit Union closed my share account, credit card, and CDs without any notice. There were no late payments. My credit score is more than XXXX ; and there is no explanation of where the cash is. This occurred to the bed of my knowledge overnight. Again - without any notification. This will reflect negatively on my credit score as this credit card is XXXX of my longest standing cards.
Consumer complaint received 2015-08-31
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

I closed my account in XXXX 2014 but chase did n't follow the instructions and never returned my funds and I was made aware of this when my investigator in XXXX provided XXXX XXXX that your account has been hacked and almost XXXX deposited amounts are wired out to unknown recipient. I called chase and reported this and disputed those amounts and then instead of making my funds available to my other creditors they blocked or hide my account and put return request upto 3 month prior payments made available to my other financial institutions making Me look bad and causing Me debit of {$3600.00} but I suppose to get a refund check from chase as vitcm of IDTheft when I closed my account o had XXXX present in the checking account which they had stolen from me and never sent me written letter stating my account had closed. Chase also leaked my account information to XXXX party as per told by my investigation firm and they are invited in massive fraud to make up for their data breaches costs.
Consumer complaint received 2022-12-20
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. (CO)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX XXXX XXXX  after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account.
Consumer complaint received 2021-04-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

On XX/XX/XXXX, we refinanced our home with XXXX XXXX XXXX ( PHH Mortgage Services ). At that time we paid into escrow over {$5000.00} for property taxes that were coming due in XXXX. In XX/XX/XXXX we found out that our taxes were not paid and we contacted XXXX XXXX XXXX to find out what happened. At that time we were instructed to fax a copy of our property tax bill to them and they would look into it. On XX/XX/XXXX we faxed a copy of the property tax bill to them and a couple days later we followed up with another phone call for an update. At that time we were advised that they were still looking into it and to call back. This has been going on for two months of repeated phone calls and being told that its being looked into. Finally, on XX/XX/XXXX we received a letter from XXXX XXXX XXXX c/o PHH Mortgage Services stating that WE are responsible for the property tax payment ( despite there being approximately {$8000.00} in escrow ). Due to XXXX XXXX XXXX failing to pay our taxes on time we incurred {$640.00} in penalties and interest from our county tax assessor.