davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

BANK OF AMERICA has provided fraudulent Documentation of Notes and Deeds, Holder Status and broken Chain of Assignment.     BANK OF AMERICA HAS FAILED TO DO THE FOLLOWING  1 . ) BANK OF AMERICA has failed to implement processes to ensure that Servicer or the foreclosing entity has a documented enforceable interest in the promissory note and mortgage ( or deed of trust ) under applicable state law, or is otherwise a proper party to the foreclosure action.     2. ) BANK OF AMERICA has failed to include a statement in a pleading, affidavit of indebtedness or similar affidavits in court foreclosure proceedings setting forth the basis for asserting that the foreclosing party has the right to foreclose.     3. ) BANK OF AMERICA has failed to set forth the information establishing the partys right to foreclose as set forth in  I.C.2  in a communication to be sent to the borrower as indicated in  I.A.18.      4. ) BANK OF AMERICA has failed to comply with the following : If the original note is lost or otherwise unavailable, Servicer shall comply with applicable law in an attempt to establish ownership of the note and the right to enforcement. Servicer shall ensure good faith efforts to obtain or locate a note lost while in the possession of Servicer or Servicers agent and shall ensure that  Servicer  and Servicers agents who are expected to have possession of notes or assignments of mortgage on behalf of Servicer adopt procedures that are designed to provide assurance that the Servicer or Servicers agent would locate a note or assignment of mortgage if it is in the possession or control of the Servicer or Servicers agent, as the case  may  be. In the event that  Servicer  prepares or causes to be prepared a lost note or lost assignment affidavit with respect to an original note or assignment lost while in Servicers control,  Servicer  shall use good faith efforts to obtain or locate the note or assignment in accordance with its procedures. In the affidavit, sworn statement or other filing documenting the lost note or assignment, Servicer shall recite that  Servicer  has made a good faith effort in accordance with its procedures for locating the lost note or assignment.      5.  ) BANK OF AMERICA has intentionally provided us through Bank of America,  XXXX   XXXX   XXXX   XXXX , Consumer Financial Protection Bureau and the United States Mail, multiple fraudulent deeds and fraudulent notes in responding to complaints. Therefore, Bank of America trying to trick us and the Consumer Financial Protection Bureau into believing fraudulent deeds and fraudulent notes are authentic because Bank of America provided them through the CFPB but they are not.     6. ) BANK OF AMERICA has failed to ensure that mortgage assignments executed by or on behalf of Servicer are executed with appropriate legal authority, accurately reflective of the completed transaction and properly acknowledged.
Consumer complaint received 2023-09-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: M&T BANK CORPORATION (NY)

This is the third time someone is opening a debit card account without my consent or knowledge. 

The first time was XXXX XXXX Second was XXXX  Third was M & T bank I had to call everyone as soon as I got my debit cards in mail to cancel my account.
Consumer complaint received 2023-03-09
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. (MD)

In accordance with the XXXX XXXX XXXX XXXX listed accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.Accounts on credit reports are incorrect in balance and was not authorized to share. The following accounts are : XXXX XXXX  acct # XXXX, XXXX  XXXX XXXX # XXXX, XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX  acct # XXXX, XXXX XXXX XXXX  acct # XXXX, XXXX XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX acct XXXX XXXX.
Consumer complaint received 2021-12-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (AZ)

I originally spoke to XXXX XXXX from PNC on XX/XX/XXXX regarding my PPP forgiveness. She indicated that were missing a document from when the loan was granted which made zero sense to me. She tried to tell me that the SBA changed the guidelines and that if I didn't give them additional documentation my forgiveness amount would be lowered. I argued with her because I don't understand how nothing changes in my business, I had the first round at the same dollar amount as the second draw but now I don't qualify. I emailed her the document. She never confirmed receipt. I had to follow up with her on the XX/XX/XXXX to make sure she had the document she needed. She indicated that " You are good to go for forgiveness ''. To me that means my application had been approved. I continued to call the PPP department for updates. 

After speaking to XXXX on XX/XX/XXXX I applied for PPP loan forgiveness. I've called two times to check the status of the loan forgiveness and was told the loan was in underwriting. On XX/XX/XXXX to again check the status of my forgiveness application. At that time the gentleman indicated that my application had been moved on to underwriting but now it shows it was out of the underwriting cue and that it's just sitting there. He indicated that he needed to set up an appointment with me to speak to a PPP specialist. This morning, I was contacted by XXXX XXXX who indicated she can't help me, she is in the wrong department. She just helps with documents needed for the foregiveness process. She also said that it appeared I did not apply for the forgiveness loan. She said she will reach out to her manager to see what she can do but doesn't know how long it's going to take for someone to get back to me. 

I have an emailed from PNC dated XX/XX/XXXX with a confirmation indicating I had applied for forgiveness along with a confirmation number. This email also stated they will submit my forgiveness application to the SBA no later than 60 days after receiving a completed application. Their time is quickly approaching.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

THIRD PARTY- EXPERIAN XXXX XXXX XXXX XXXX XXXX IMPOSTER : XXXX XXXX XXXX  is breaking the consumer law pertaining to : XXXX XXXX XXXX ACCT XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost XXXX  of dollars and XXXX XXXX if this isnt resolved I will have no choice but to move forward with litigation. XXXX XXXX XXXX CARD HOLDER!
Consumer complaint received 2023-10-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (WI)

We received a collection notice from midland credit management for a debt turned over to them from XXXX XXXX Th original company was XXXX The debt was made XXXX and turned over to midland on XX/XX/20 This is not our account and the address which all this information was sent to is not us as it is in another state.
Consumer complaint received 2021-01-26
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: Lakeside Recovery Solutions (DE)

I have been receiving phone calls and voice mails from lakeside recovery solutions from a phone number +XXXX ( XXXX  ) XXXX-XXXX  and other numbers. In the voicemails they are leaving threatening messages that i will be sued, that they will try to take my vehicle. They leave messages that if i dont cal back that day they will file a judgement and sue me. I have received no written notices of a debt. They have also been leaving voicemails on my mothers phone.
Consumer complaint received 2017-05-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (CA)

I moved into m y partner 's (  not state " registered '' as we were waiting for the federal law to be change d ) ho use with him i n  XX/XX/XXXX  si gning a simple lease.  Mid- XX/XX/XXXX  he got very ill and i cared for him and his 4 elderly dogs until his passing in     XX/XX/XXXX .  i was a beneficiary of the house along with    XXXX   o thers who have told me when the time comes to probate they will withdraw their names from the will as they felt i deserved to be the sole beneficiary. They still maintain that position. I had opted not to go through probate because of  XXXX  in errors in his medical billing, which to avoid liens, needed to be resolved first.     I had called the mortgage company, Seterus ( anonymousl y ) af ter my partner 's death and asked a " what if '' question as to how someone should handle this situation with them. They said if I could afford to make the payments, just keep doing it and do n't report the  XXXX  to them otherwise, they would likely call in the loan. I also noticed this was the general consensus online as well. I made about 15 payments until the middle of   XX/XX/XXXX  I  missed  one  and everything came crashing down.     I tried calling everywhere for help and was told since i was n't the homeowner they could n't help me. HUD, Save Your  Home California, and so many other organizations shut the door on me. Once the notice of default was received i officially called Seterus and they refused to speak to me saying the only person authorized to talk about that account was the deceased borrow! The week of the auction came around and i tried calling the Seterus again and also the trustee begging them not to go through with the sale. Both asked for copies of the death certificate and will. I sent them to both of them and they both said it w as too late and they could n't help me. The house sold at auction on   XX/XX/XXXX  at  {$150000.00} below market value and the $  200,000+  in equity my  partner le ft to me so i could have a better future was gone.That same day i was visited by a representative of new owners, an investment group, and they tried rushing me out. I have been putting up a fight with them but they finally won their unlawful detainer suit and now awaiting the sheriff 's to lock me out along with my partner s 4 elderly  dogs which I 've been caring for. I have nowhere to go, and the money i thought id have for my future is gone. To make matters worse the   XXXX   ive endured over this hospitalized me twice over the holidays. I learned that after 12 years  of maintaining a healthy undetectable    XXXX   XXXX   status,   my   XXXX   XXXX   has crumbled and not technically have   XXXX  . I ca n't believe im about to be sick and homeless over this. This ca n't be how it ends ....
Consumer complaint received 2023-10-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (IN)

The only notifications Ive received in the past month about my account with Chase is that theyve gone through my claims individually and have sent me confirmation that they were claimed correctly and the credit given would be permanent. I have received another email from chase executive office on XXXX giving me a case number but I have yet to hear anything after that and they havent responded or answer questions on the phone. This company refuses to treat their customers with any common decency and continue to put my calls on hold and transfer me with no notice and force me to hang up after hours wasted waiting for another agent to answer after being transferred. I just want to know whats going on with my account, when can we close the account, and regain access to the money in the account that was deposited after they restricted/closed my account.
Consumer complaint received 2023-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/XXXX  I started to purchase calculators, fireplaces and multiple other things from different websites for about {$14000.00} to resell on XXXX and I never received any of those products. I filed a police report and went to TD bank and filed disputes for everything and they said that it was a lot of money so it would take a while, months and months have gone by and still no word on my money. They are pretty much saying I wont be refunded. I talked to a lawyer and he said that the person who scammed me is probably in another country so it would be hard to catch him.
Consumer complaint received 2021-12-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (TX)

Phoenix Financial Services is reporting a debt not owed by me for medical debt. I havent been to, seen, or been associated with any kind of medical location ( hospital, clinic, etc ) in the time frame being reported. Originally reported XX/XX/2021, disputed twice through credit bureaus, since company is unable to provide any information related to the original merchant ( account number, name of vendor, date of visit, etc ) was removed but Phoenix placed back on file XX/XX/2021. 

Since the company has been unable to provide any details about the supposed debt owed and continues to put debt on credit file, filing complaint to have government agency review collection agency and its malicious tactics of trying to collect fraudulent debt.
Consumer complaint received 2023-08-17
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: AmerAssist A/R Solutions, Inc. (AL)

On or around XXXX XXXX I sent a debt validation letter to XXXX  XXXX XXXX requesting validation of the account they were suing me for. The client was XXXX XXXX. for the amount of {$1700.00} and they were given 30 days to do so. They removed this account from my credit report on or around XXXX XXXX XXXX XXXX. But around XXXX XXXX a company who I have never received a letter or phone call added this same account back to my credit report ( XXXX ) causing my score to drop XXXX points. I would like this removed immediately!
Consumer complaint received 2021-12-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (MI)

I DO NOT OWE MIDLAND CREDIT MANAGEMENT. I HAVE RECIEVED ANY PAPERWORK OF A COURT ORDER PRORPERLY SERVED TO ME. I HAVE NO KNOWLEDGE OF ANY ACCOUNT WITH MIDLAND CREDIT MANAGEMENT.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I have a court ordered child support payment I am current and no back pay was ordered Credit report is ruining my credit by falsely reporting back due delinquent payments This is false The payments are taken out of my checking account There currently no back or delinquent amounts Please see Judgment
Consumer complaint received 2023-03-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV INC. (TN)

In early XXXX of XXXX, XXXX XXXX XXXX XXXX processed XXXX fraudulent transactions with XXXX. While the transactions were against our " checking account number '', the signature on the transactions was not ours, nor was it even in our name. 

The transactions were clearly fraudulent, and in our opinion, would have required " insider '' support. In the same month, we received a notification of debt collection from TRS Recovery Services ( an affiliate of Telecheck Services , Inc ) trying to collect on the fraudulent transactions. We filed a police report regarding the fraud, and forwarded this report, along with the multipage " disputed debt form '' we got from TRS Recovery Services to TRS Recovery Services on XX/XX/XXXX. At the time, we requested copies of the fraudulent checks to provide to the police department to assist in the department 's investigation. We never heard back from TRS Recovery Services. 

In XXXX of XXXX, approximately five ( 5 ) years later, we are contacted by XXXX XXXX XXXX XXXX, aka XXXX, ( an affiliate of TRS Recovery Services and XXXX XXXX XXXX XXXX ) attempting to collect on the debt associated with the fraudulent transactions. The initial contact was via phone at which time we explained that we had done everything TRS Recovery Services had requested in XXXX of XXXX and we considered the matter closed and any further attempts to collect this debt was, in itself, fraud. Subsequent to this phone conversation XXXX sent us two letters requesting we complete an " Identify Theft Victim 's Complaint and Affidavit '', a six ( 6 ) page document that resembles the " disputed debt form '' we completed for XXXX five ( 5 ) years previously. 

We feel this continued attempt to coerce us in to paying debt created by Telecheck Services Inc. 's inability to stop the original " identify theft '' and " fraudulent transactions '' is fraud. The company responsible for enabling the theft is affiliated with the companies attempting to collect the " debt ''. We respectfully request you take action against these companies.
Consumer complaint received 2017-06-12
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. (PA)

I HAVE AN ACCOUNT FROM  XXXX   XXXX   XXXX   XXXX  SHOWING AS A CHARGE OFF ACCOUNT. THIS IS NOT MY ACCOUNT. IT SHOULD BE REMOVED FROM MY CREDIT REPORT. I HAVE CONTACTED TRANSUNION IN REGARDS TO THIS ACCOUNT MANY DIFFERENT TIMES AND THE ACCOUNT IS STILL SHOWING ON MY ACCOUNT.
Consumer complaint received 2023-09-04
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc. (CA)

I am writing to bring to your attention the unjust treatment I have experienced with regards to my tenancy at XXXX XXXX in XXXX XXXX XXXX, Florida. I believe it is crucial to share my story with you, as I trust that you will empathize with the challenges I have faced during these unprecedented times. 

As an essential worker during the height of the COVID-19 pandemic, I proudly served as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, the ongoing crisis presented numerous financial hardships for me and many others. Despite my dedication to my job, I found myself unable to afford the cost of living at my residence. 

In the midst of these financial difficulties, a new opportunity arose for me in another state, one that held the potential to offer me greater stability and security. Relocating became a necessity, as it offered a chance to secure better financial prospects for myself as well as ensure a sustainable future. 

I approached the leasing office at XXXX XXXX with utmost sincerity, explaining the monumental significance of this opportunity for me. I repeatedly requested their understanding and any form of leniency with regards to breaking my lease. However, despite my plea and the extenuating circumstances I presented, the leasing office remained unyielding in their stance. 

To my disbelief, I now find myself burdened with a debt of {$2300.00}, which has been sent to collections with Sentry Credit. The implications of this debt extend far beyond the mere financial strain ; it has adversely affected my credit score, limiting my ability to secure future rental accommodations and undermining my financial stability. 

I am deeply troubled by this situation, as it stands in stark contrast to the relief and assistance being offered amidst the ongoing pandemic. Numerous organizations and individuals have shown compassion and flexibility, adjusting policies to accommodate the challenges faced by individuals like myself. It is disheartening that XXXXXXXX XXXX  has chosen not to extend the same level of understanding in my case. 

I kindly request your intervention in this matter. Given my role as an essential worker, the sacrifices I made, and the consequences that have unfolded during the course of this pandemic, I believe it is only fair to be granted a measure of empathy and leniency by XXXX XXXX. 

I humbly implore you to investigate this situation further and facilitate a fair resolution. It is my sincerest hope that XXXXXXXX XXXX will reconsider their decision and work towards a mutually beneficial outcome. 

Thank you for your attention and anticipated support in rectifying this unjust situation. I eagerly await your response and hope for a positive resolution that upholds fairness and compassion during these trying times. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-08-16
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. (TX)

This credit bureau continues report late payments on my credit report from XXXX XXXX XXXX XXXX and XXXX XXXX bank and XXXX XXXX. I have wrote to them on many occasions to remove this inaccurate information. That is a fcra violation of usc 15 1681a ( 2 ) ( a ) ( i ) it clearly states except as provided the term consumer report ( which is my credit report ) does not include a report containing information solely as to transactions or experiences between the consumer ( which is me ) and the person making the report. So I want.these late payments to be removed immediately. I also need.to be compensated XXXX XXXX for this fcra violation tht they have clearly violated..
Consumer complaint received 2023-03-09
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC. (SC)

Received e-mail from Ally Bank on XX/XX/XXXX advertising a Cash Bonus program. If I was to transfer {$50000.00} from an outside source into a new Ally Online Savings Account before XX/XX/XXXX, I would receive a {$500.00} bonus ( 1 % ) as long as I didn't withdraw the funds until after XX/XX/XXXX. The bonus would be deposited by XX/XX/XXXX. I did everything exactly as the terms dictated. I didn't even withdraw funds until after XX/XX/XXXX, which was supposed to be the actual crediting date. When the Bonus didn't appear in my account, I called Ally twice on XX/XX/XXXX and again on XX/XX/XXXX and also submitted an internal written online message on each of those days. They said there was a glitch in the system and that it would be resolved within 7-10 business days. Today is XX/XX/XXXX and the issue is still outstanding.