davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-07
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was scammed by the XXXX XXXX XXXX XXXX and FBI agent in XXXX. i was scammed about XXXX dollars. once i found out i was scammed i took proper precaution and filled report to the real FBI IC3 department, Bank of America fraud department and police station.

I got an acknowledgement form to sign to start the investigation on XX/XX/XXXX from BOA, i signed it and sent it back on secure message on the same day i received it. After i signed it i called back to make sure BOA received it. This is the number they have provided me to call when i filed my claim, XXXX called them back to verify if they received it and they said they did and i had to wait 30 days for the other bank to reply. I called again about 2 weeks after I filed it to see how the claim was going and they said to wait. Then i called when its been about 30 days, they said it can take up to 45 days. Then I got a phone call from BOA on XX/XX/XXXX saying they never received my paperwork to start the investigation. Now I am very disappointed and upset at the negligence and lies that Bank of America told me. The chance that I had of catching these scammers is pretty much gone. The BOA negligence has cost me any possibility that I may have catching these guys and getting my money back.

It almost makes me feel like BOA was in for this scam as well, the negligence now made it harder for me to catch these scammers. And for BOA to call me on a Friday evening when everything was closed was the techniqueScammers used as well so i can't react to recover my funds.I been with BOA for over 10 yrs and this is how they treat their customers and their money is just mind blowing.
Consumer complaint received 2021-11-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (IL)

The company Affirm allows you to purchase products at a retail store and pay in installments with interest. I purchased 2 items on XX/XX/2021. The interest for the loan is % XXXX. On XX/XX/2021 I returned one of the items, significantly lowering my balance on the loan. I am charged biweekly with interest on the loan. Despite returning part of the order 7 days after acquiring the loan, the return is still not showing on the account 3 weeks later. When I called Affirm they said it may take 45 days to process the return- which also means I will pay interest on the loan despite the fact that part of the product was returned- this affecting the amount due.
Consumer complaint received 2024-02-19
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-08-11
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. (TX)

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.

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 informationisinaccurate.
Consumer complaint received 2019-11-05
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This debt collector has been harassing me and my family for years. My credit report shows that this company does not own any outstanding debt on my credit report however they are making soft inquiries into my credit without my legal permission and in turn lowering my credit score. The dates of these inquiries are as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They are located at XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX. Phone number listed for the company is XXXX. Please do something about this as they are also harassing people in my address/building.
Consumer complaint received 2022-04-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (OH)

In XXXX I had been going through major financial hardships ; I had some medical issues and also divorced my abusive spouse, I had to leave my high paying career at the time for something that would allow me to care for my children and myself and therefore my income was reduced to almost nothing. I exhausted my savings trying to keep everything going and reached out to Rocket Mortgage to see if I could possibly obtain a loan modification to lower my payment at the time. Rocket informed me that I could not have a loan modification without first utilizing a forbearance. I was concerned about the forbearance and asked the representative several times about the terms, would I be able to get a modification once the forbearance was complete, and would I be forced to make a lump sum payment at the end- they were adamant that I would not have a lump sum due and that the balance of the forbearance would be spread out via a repayment plan. I agreed and made all 3 payments of {$50.00} during the forbearance period on-time,XX/XX/XXXX Once I was due to resume making my regular monthly payments, in XX/XX/XXXX, Rocket Mortgage refused to accept my payment and demanded that I pay the balance in full ... exactly what I had been worried about to begin with. I was struggling to keep food on the table and pay other bills and used the forbearance period to make ends meet, it was unreasonable to expect that I would have 4 months worth of mortgage payments- {$5000.00} ( forbearance balance of 3 months plus the current month ) available, considering I had accepted the program due to a major financial hardship!!! I would never have utilized the forbearance program had I not been lied to about this. I spoke to multiple representatives at Rocket Mortgage to get a resolution and none of them cared. They refused to accept my payments and sent me foreclosure paperwork, stating that I had been behind for over 120 days! I was appalled. Thankfully tax season was approaching and I was able to use my entire tax return to pay the amount owed, complete with an exorbitant amount of foreclosure fees, at the last second before they were set to take me to court on XX/XX/XXXX. I should NEVER have had this experience and they managed to extort an additional {$1300.00} from me in fees. Their calls are recorded, the representative lied to me, and this practice should be totally illegal.
Consumer complaint received 2016-06-28
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

To whom it may concern, I would like to file a complaint again my mortgage company Bayview Loan Servicing LLC, for violation of The Real Estate Settlement Procedures Act ( RESPA ). I did a modification of my mortgage last year to a XXXX loan and was advised by the Bayview Representative that my Property Taxes and Homeowner Insurance would be paid from my Escrow going forward, I was advised by the Representative to provided Bayview with my Property Tax documents when I received them. In XXXX XXXX I mail Bayview Loan Servicing LLC a copy of my Property Tax documents and I also faxed the same information their office on XXXX XXXX, XXXX, as you can see from the attached documentation. 
In XXXX XXXX, I received a letter from my XXXX Tax Collector advising me that as of XXXX XXXX, XXXX, my taxes were not paid. I then contacted Bayview Customer Service to advise them that my property taxes were not paid. The Representative advised me to fax my information again to the Customer Service fax number, I faxed the information on XXXX XXXX, XXXX, as you can see from the attached documentation. I followed up with a call and was advised it would take XXXX to 60 days for my case to be resolved. I followed up again with a call on XXXX XXXX, XXXX, and was advised that my investigation would not be close until XXXX XXXX, XXXX. Ok, on XXXX XXXX, XXXX I called Customer Service to find out the resolution and was advised I would receive a letter from Bayview regarding my Property Taxes payment as of today I have not received a letter of resolution or any communicating from Bayview and my Property Taxes still is not paid as you can see from the attached and tax amount has increased from XXXX XXXX to current to a larger amount. 
Thank you for your time regarding this matter
Consumer complaint received 2016-04-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (NH)

I have had multiple incidents with this bank in the past couple of weeks. On XXXX XXXX, 2016 my account went negative XXXX. On XXXX XXXX, I was charged an overdraft fee of {$37.00}. In charging that overdraft fee, they made my account negative {$18.00}. So in turn they received an additional overdraft fee of {$37.00} on XXXX XXXX, 2016. 
Now on XXXX XXXX, 2016 I was charged XXXX unavailable funds fees for funds that I transferred from another account at the same bank. So they did not make the funds available in my account right away even though it should have been because a transfer from the same bank should be treated like cash. They are crediting a transfer that I did on XXXX XXXX on XXXX XXXX. Then charged me XXXX unavailable funds fees on top of it of for {$37.00} each. Never once does the customer facing site show unavailable funds. He had to do research on the back end to figure out what the issue was. My account was not negative. They are charging me unavailable funds fees when cash should be available right away.
Consumer complaint received 2016-12-06
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (CA)

I have been using Western Union to send money to friends for years.All of a sudden I have been blackballed from using their services..I am not allowed to send or receive money, I asked why and was told they wanted a photo copy of the persons ID I told them a photo ID was shown at the time of my friend receiving money as well as mine being seen to send money.The transaction was still denied.I was asked for more information which I provided, my place of work, my pay stub, the reason why I was sending money, I was still denied.I never did anything to deserve this. .They have not given me any reasonable or sensible explanation.I only get its their privacy policy.
Consumer complaint received 2024-02-19
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. (NJ)

These Inquiries are fraudulent and do not belong on my credit reports below from different bureaus Experian inquires below 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 2024-02-19
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. (AZ)

XX/XX/XXXX a loan agreement was made in my name for purchase of a vehicle, the vehicle was purchased by a company unrelated to me. Speaking with the motor vehicle department, the vehicle was registered to someone with the last name XXXX on XX/XX/XXXX The car dealership falsified a signature indicating it was my signature when it was not. Furthermore, XXXX XXXX XXXX backdated paperwork putting a lien on a vehicle falsifying records because it was registered and owned by an unknown individual. They have no perfected lien, no promissory note, no security agreement, and no valid contract. Did not follow the rules of the Uniform Commercial Code. They have created this account out of thin air.
Consumer complaint received 2016-03-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

I have been in review for a loan modification for quite some time now. My loan transferred to Bayview Loan Servicing XX/XX/XXXX, when I submitted a loan modification to them. I have been back and forth with them in submitting documentation continuously. More specifically, I have been informed by multiple representatives that my file had been in review and was with their Underwriting Team since XXXX/XXXX/XXXX ( that 's how they were able to postpone the multiple sales on my account ). On XXXX XXXX, i received a call from the representative with Bayview and was advised that my file had still been in underwriting and the sale date which was originally scheduled for XXXX/XXXX/XXXX was placed on hold. I called on back on the date of XXXX/XXXX/XXXX to see how things were going with my review and was informed that my home went to sale earlier that morning. Unbeknownst to me, i was complete shock since i was just notified that my file was with their underwriting department and advised my sale was placed on hold. I asked to speak with management and was told they would need to call me back. I didnt receive a call back for a couple days only to receive a denial letter dated XXXX/XXXX/XXXX ( after the sale took place ) that my loan modification review had been denied. The manager contacted me on XXXX/XXXX/XXXX and i was told that that they had made a mistake and that they would be rescinding the sale but that it would take about a week. They then told me that it had been denied for the HAMP modification program but that it would be approved for an in house. They advised the home went to sale to a 3rd party but they would be contacted to let them know that the sale would be rescinded. I followed back up with them on XXXX/XXXX/XXXX, spoke with XXXX XXXX who informed me that a decision had been reached by their Senior Management Team that the foreclosure will no longer be rescinded. They didnt care that i had a perfected file in review with their Underwriting Team and they were not concerned with the Homeowners Bill of Rights and their decision still stands. This is such a violation with everything that the Homeowner Bill of Rights stands for. This is a home that i worked very hard for and now was taken from right under me. I complied with everything they ever requested and never balked on any information they requested. I really need you help. Now they are not budging on anything they had previously stated and are taking my home. HELP HELP HELP!
Consumer complaint received 2023-10-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (CA)

I am currently at 120 payments for PSLF. The only hang up is that MOHELA is not counting the last 15. ( their counter says 105 with 15 'pending ', which have been for months now ... even though it's the same employer ... a public school district ) In addition, I requested a forbearance over three weeks ago on XX/XX/XXXX from MOHELA so I didn't need to make my first payment on XX/XX/XXXX. ( I shouldn't have to, because I have reached 120 qualifying payments ). The agent let me know that it would take 2 business days. I have since called back at least 10 separate times, many times with the phone just hanging up randomly, no call backs etc and have been told it would be 5 business days, then 10, then 30 (! ). There is no consistency or rhyme or reason to the messages from agents.
Consumer complaint received 2023-10-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

XX/XX/XXXX XX/XX/XXXX Claim reversal : XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ClaimId : XXXX {$50.00} XX/XX/XXXX Reversal : XXXX XXXX XXXX XXXX  XX/XX/XXXX ClaimId : XXXX {$45.00} and Reversal : XXXX XXXX XXXX XXXX XX/XX/XXXX ClaimId : XXXX {$30.00} XX/XX/XXXX Claim reversal : XXXX XXXX XXXX XXXX XX/XX/XXXX ClaimId : XXXX {$200.00} All these transactions were fraudulent yet they were reversed?
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This account is has been showing on my consumer credit reports as a charge-off for 7 years  plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( XXXX XXXX XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX XXXX, and I am sending this request in response to a letter I received from 3 Credit Bureaus that they wont process my request to dispute inaccurate information in my credit file because they believe It didnt come directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! Im the one whos disputing this information. The information Im disputing is INCORRECT & I NEED THESE MATTERS HANDLED IMMEDIATELY. I do not recognize the information listed below and I request that 3 Credit Bureaus must investigate and delete these fraudulent items. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$2700.00} ; XXXX XXXX Balance Owed : {$380.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$3500.00}.
Consumer complaint received 2023-08-10
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: EQUIFAX, INC. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (WA)

XXXX XXXX is reporting the first delinquency date on my old credit card as XX/XX/XXXX. 

The actual first date of delinquency is XX/XX/XXXX. 

They keep changing the delinquency date, keeping this old account active on all three credit reporting agencies. 

I feel that XXXXXXXX XXXX is doing this to millions of Americans, and at the same time sending them letters demanding payment, well past the legal limit of the law.
Consumer complaint received 2023-02-23
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. (IN)

For the last few YEARS I have told all three credit bureaus and the credit agency that the information for these accounts is false. They keep saying do a dispute and then I do and they never correct it. In XX/XX/2016 I was the regional property XXXX for apartments in XXXX XXXX XXXX  ( cable and internet provider ) wanted our business. My property managers all decided to give them a try. Because I was the regional I had to give it the okay. They put it as a personal account instead of a corporate. They have me under XXXX XXXX. And they are charging me several different bills for this corporate account I have tried repeatedly to have this fixed but to no avail. And they have the wrong dates on my credit report as well.
Consumer complaint received 2015-09-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

There is a wrong name ( not me ) added to my report which caused me to drop XXXX points! I 've changed nothing and my credit report as of last week was XXXX yet this morning its XXXX. And there 's a name on it that is clearly not mine and not even close. What can I do to remove this? 
Here is what is wrong : Names ReportedXXXX XXXX XXXX, XXXX, XXXXSee something wrong? 
Find out how to update personal information.