davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was a victim of a romance scam scheme, where I was told what to do and where to send the funds under false pretenses, and ultimately my funds were held at an application the fraudster created and I was not able to retrieve them, as my account was deleted, and XXXX  would not reverse the transactions and wont refund my money. I met this horrible person in a social media all and I was nurtured into believing I could make money with Crypto following his/her/it guidance while making believe there was a legitimate romantic interest as well. After realizing i was a victim of a scam, I submitted claims with my bank and my claims with Bank of America have been rejected multiple times due to the lack of supporting documentation submitted by the claimant ( myself ). I conducted transactions in question totaling {$5600.00} processed between XX/XX/22 and XX/XX/22, I was a victim of authorized push payment fraud ( I have explained this several times over the phone with a claim agent ). Bank of America and its affiliates have purposely ignored my claims and rejected them based on the fact that I conducted the transactions myself as opposed to conducting a thorough investigation and do their due diligence in order to get the facts of how I was a victim of a scam ( I have not even received a phone call for an interview ). Now, I have spent countless hours of my time, around {$400.00} of my own personal money in order to buy a printer, around 5 cartridges, 2 blocks of paper and shipping costs in order to gather and send over 500 pages of evidence to them ( it was returned and i went to the branch and they refused to fax them over to fraud department ). I have never conducted transactions involving crypto or any similar crypto exchange platform.. I filed with XXXX as well. I have been a BOA customer for almost 10 years now and I have never been treated with such dismissiveness by this well-known financial institution. I have suffered financial loss and due to the stress of this situation Im suffering from XXXX and XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX as Im tired of losing battles with whats supposed to be a bank that cares for its customers. Due to the large number of pages included in the conversations me and the fraudster had, Bank of America returned the package with over 500 pages of evidence and then refused to fax them to the fraud department once I went into a BOA branch located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX claiming it would take countless hours which they didnt have the staff for. And therefore, I havent been able to relay that important piece of evidence to them.
Consumer complaint received 2021-01-04
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: SYNCHRONY FINANCIAL (PA)

On XX/XX/2020 I received an inquiry from XXXX which I did not apply for. I have no recollection of ever applying for their credit products and live about 1 hours away from the nearest XXXX
Consumer complaint received 2022-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

i have had my credit reports from XXXX XXXX transunion all have pulled my personal credit report from mulitple sources over XXXX times since XX/XX/2021, I have not authorized these credit pulls
Consumer complaint received 2019-09-22
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ascendium Education Group (AZ)

Ascendium ED Solutions is reporting false information on my credit and has caused my credit to decrease over 200 points in the last cpl months bc of this false information. 
My original loans went into default in XXXX, they are reporting them as of XXXX. They are knowingly reporting fraudulent information on my credit and should face consequences for knowingly doing illegal reporting. My loans have been in default for over 8 yrs and they should be takes off as old, outdated debt. 

Ascendium ED Solutions is knowingly reporting fake information to damage my credit on purpose. They should be held accountable and face consequences for knowingly reporting false information and the huge opportunity costs that they have put me through on account of illegally damaging my credit.
Consumer complaint received 2023-03-06
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. (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 Bank : XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-10-30
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. (IL)

I have unauthorized inquiries on my credit report. This fraudulent inaccurate information has caused me losses and also a defamation of character. The following companies have used my transunion credit report for unauthorized purposes XXXX XXXX XXXX XXXX XXXX XXXX ). XXXX ( XX/XX/2022 ). XXXX XXXX ( XXXX XXXX )XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ). My FCRA rights have been violated. The Consumer Financial Protection Bureau ( Bureau ) is issuing this advisory opinion to outline certain obligations of consumer reporting agencies and consumer report users under section 604 of the Fair Credit Reporting Act ( FCRA ). This advisory opinion explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request.
Consumer complaint received 2020-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (AZ)

I have a Wells Fargo " Cash on Demand '' credit card with Wells Fargo that i've had for quite some time. I recently paid this account off per the statement i received from Wells Fargo. I was later notified that this account was reported late to the three credit reporting agencies. I called Wells Fargo on XX/XX/XXXX to understand how i was reported late after just paying the account off. I was told that there were residual interest charges that weren't reflected on that statement. I informed the customer service representative that i had not received any statement reflecting those amounts ( or i would have paid ). I was told that the statement that would have shown those charges was " supressed ''. I asked why and the customer service agent could not give me any detail and told me " you know the post office has been having issues lately ''. On that call, i went ahead and paid the remaining amount to ensure that there are no further issues. However, I was still reported late to all three credit reporting agencies. I do not believe i was properly notified of this issue in time to ensure i did not go 30 days late on this account and i still don't understand why this particular statement would have been " supressed '' when previous statements were not. I am requesting that Wells Fargo update their reporting with all three credit reporting agencies ( XXXX, XXXX, and XXXX  ) to remove the reported late payment.
Consumer complaint received 2019-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NC)

I had one account with XXXX for mobile phone service, it was reported on my credit as a collection. Later on, there was a second account from XXXX reported on my credit for collection, it was for XXXX XXXX, a home utilities. The XXXX   was not my account, so I disputed it and it was deleted from my credit report. The XXXX account was only in my mother 's name. I later get a notice for collection from a different collection agency after the other is deleted. I call the new collection agency and they try to tell me it was fraud and tried to get me to open up a fraud report on my mother saying she must have signed my name as a cosigner. This was not true and I tried to explain that we had two accounts with XXXX for different things but in the same household and under different names, that it was a mistake by XXXX  in reporting it. They did not listen.
Consumer complaint received 2020-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (FL)

On the closing date XX/XX/XXXX Billing rights Statements it states If you think there is an error write to us. see Exhibit B when I wrote to that address 3 different times to XXXX XXXX TX I never got a response. Which is deceptive, also it states We can not try to collect the amount in question or report you as delinquent on that amount, that is false because American Express reported me delinquent twice one in XX/XX/XXXX and XX/XX/XXXX at those months my entire balance of {$24000.00} was in dispute and in question.They also harass me almost on a daily basis via text messages, emails and phone calls about making a payment it got so bad I asked them to please stop texting me because they did not want to talk about how can they resolve the problem they only wanted to talk about making a payment and even suspended my account for no reason. They actually got upset with me because I continue to ask for information concerning my billing statements and the fraudulent late fees charges and fraudulent increase in the trigger APR interest rates fee charges. Its also states you will not have to pay the amount in question or any interest or other fees related to that amount, which is also false, the interest rates was increased to a higher interest rate when the late fees was added the my balances, which caused my balance to be excessively high. Therefore the balance of {$24000.00} is false which occurred due to American Express rolling over a pay overtime portion balance of {$5300.00} on the XX/XX/XXXX billing statement in which that balance was paid off, instead American Express continue to roll over the pay over time portion of the above amount continuous month to month on my billing statements and often adding late fees that triggered the APR interest rate to an higher rate that increase my balance to an higher balance over a couple of years. In XXXX XXXX XXXX continue to question about my late fees, when I was never past due being a loyal paying member for over 24 years never been late making a payment and I also continue to ask why was my balance so high, with no response from American Express. I called American Express on XXXX XXXX around XXXX and spoke with XXXX in customer care services I asked her about the amount that is due on XX/XX/XXXX for {$2800.00} she immediately said I have to pay that amount on that day, I told her that amount is incorrect because it has late fees and increase interest APR rates she told me to hold on she will transfer me to a supervisor, she never came back to phone and neither did anyone from American Express returned my phone calls which this is a pattern of American Express customer care services not coming back to the call or returning my phone calls. Very bad customer service.
Consumer complaint received 2021-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (NJ)

Well fargo bank gave out 3 credits cards after fraud was reported on my accounts with the cards blacked and several password protections put in place. I have requested my cards be blocked from use after fraud was found on one of my cards. I also added a password to the account and requested no credit cards be mailed. They then mailed out a card to the original perpetrator. I then again reported the fraud and and again placed blocks on both credit cards. I also filed a complaint. They then mailed out a card to the perpetrator again. I went to my local bank reported the fraud and asked them to make sure no card were mailed out and blocks on both cards. Again they mailed out a card to the perpetrator. I filed complaints with XXXX XXXX XXXX  and again with wells fargo. I have several cases with them. My problem is the damage this has taken on my credit score. My score has dropped significantly. I had done everything i could think of to prevent access to my accounts but they just kept mailing out cards. If i close the accounts it will impact my credit score. My executive Case # is XXXX the contact is XXXX XXXX ( XXXX ) XXXX Ext XXXX
Consumer complaint received 2021-01-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

The borrower received a Trial Payment Plan Offer from SELECT PORTFOLIO SERVICING , INC, which is enclosed. The Trial Payment Plan Offer states that {$100000.00} will be forgiven by the investor once the modification is permanent. She relied on this and accepted the Trial Payment Offer. She completed the trial payment in XX/XX/XXXX. 

She recently ordered a payoff on XX/XX/XXXX. This payoff reflected a {$350000.00} amount that was due, which does not reflect the forgiven amount. In review of the final modification offer dated XX/XX/XXXX, instead of a {$100000.00} principal forgiveness, there was a principal deferral of {$100000.00}, which was contrary to what was promised during the Trial Payment Plan. 
We ask that the CFPB please review this matter and contact Select Portfolio Servicing , Inc. in order to come to a resolution for this matter.
Consumer complaint received 2021-01-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc. (AZ)

I do not have a contract with Credit Management LP and they are attempting to illegally collect a debt on behalf of XXXX. I have notified Credit Management LP that their records are inaccurate as XXXX has been paid and confirms a balance paid in full. These predators are trying to make me pay money I don't owe. I am pleading with you to remove this inaccurate item off all three of my report and to stop Credit Management LP from harassing me and to cease high jacking my credit. Their predatory practices have crippled my ability to apply for a best rate mortgage
Consumer complaint received 2021-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (MI)

I started recieving emails from LVNV Funding LLC about a past due XXXX bill. I am a current subscriber to XXXX XXXX  for 3 properties, so this immediately brought XXXX  to me,. After contacting XXXX XXXX, I was told I am paid up to date, I have no past due obligations to the company, and I am on an auto pay for all 3 accounts. 
I just recently received notice via mail from Resurgent Capital Services attempting to collect the same debt through XXXX XXXX, working with LVNV Funding LLC. As I looked at the bill, the final bill is from XX/XX/XXXX. Over 11 years in age. This is past the statute of limitations for the state of Michigan. I called the collector on XX/XX/XXXX and asked why are they attempting to collect a debt over the 6 year mark, and they said there is no limitation on trying to collect this debt, which is false.
Consumer complaint received 2021-01-08
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: CCS Financial Services, Inc. (LA)

On, XX/XX/2020, a derogatory mark was added on my credit report per XXXX XXXX from Credit Collection Services and as allowed under the Fair Debit Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPPA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPPA authorization. 

If you are unable to provide a copy of my signature with the provider of service to release my medical information to you please cease any credit bureau reporting until the debt has been validated by me. Additionally, please terminate collections efforts, remove and notify all credit bureaus such as XXXX, XXXX, and XXXX to delete the account immediately for inaccurate reporting and failure to validate the debt as it may be in violation of the Fair Credit Reporting Act. 

Please note withholding the information you received from any medical provider is an attempt to be HIPPA violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt before filing a HIPPA compliant.
Consumer complaint received 2023-03-06
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: Experian Information Solutions Inc. (AL)

In accordance with the fair credit act XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights Kick off account # # # # XXXX XXXX XXXX account # # # XXXX XXXX XXXX  # # # XXXX XXXX XXXX  # # # XXXX XXXX XXXX # # XXXX XXXX XXXX  # # # XXXX XXXX XXXX  # # # # XXXX XXXX XXXX XXXX # # # # XXXX 15 U S C 1681 section 602 A I have the right to privacy 15 U S C 1681 section 604 A section 2 a consumer reporting agency can not furnish a account with out my written instructions
Consumer complaint received 2020-07-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (GA)

Mr.Cooper holds the 2nd small loan on my house, the 1st loan is in good standing with no issues. Mr.Cooper has been very underhanded and deceitful in their Practice. 
First of all, I was never notified in advance via mail to the physical address nor online that the balloon payment date was approaching. 
When I started this, I was told that it was mailed to the old address on file that was supposed to have been updated many many years ago. 
The account was in good standing until the XX/XX/XXXX payment when I login to make the payment that is when I was notified that the balloon payment of {$18000.00} was due. 
immediately I called to find out what are the options and being past from one department to another, all the while time is passing, submitting documents, waiting for returned calls and answers only to be told we can't do that, but try this. 
Finally told to submit loan modification, having submitted everything on XX/XX/20 I was told weeks later that more documentation was needed and an affidavit, so now it's XX/XX/20. Again the account is aging further past due. 
After calling a couple of times a week and login in daily checking on the status of the modification, each time being told that it was in the underwriting stage, ( I have screenshots of this. ) I received a letter from the attorney 's office of XXXX XXXX XXXX dated XX/XX/XXXX that my home had been placed with them for foreclosed, I called Mr.Cooper concerning this and again was told that they had NOT placed the home into foreclosure and to please send them a copy of the letter so they could research what is taken place. Again they assured me that the modification was still in the underwriting stage. 
Only to be told 16 business days later ( when I called XX/XX/XXXX ) 56 business days later that the loan investor doesn't accept modifications. 
After they have wasted my precious time and the account is showing severely past due I can't refinance with anyone because of federal regulations that the account isn't current. 
Mr. Cooper being unwilling to work with me on this Balloon payment, even to refinance. 
After being a customer for fifteen years they seem determine to take my home over {$18000.00}.
Consumer complaint received 2021-01-07
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. (LA)

I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I am very disappointed.
Consumer complaint received 2021-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Home Address : XXXX XXXX  XXXX SSN : XXXX Improper use of credit report ( shared without consent, credit inquiries appearing on my XXXX credit report by your company that I did not authorize ) XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX
Consumer complaint received 2021-10-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants and Medical Credit Corporation, Inc. (MI)

I am over charged for damages to my apartment. I was unemployed from covid and they tried to charge me multiple late fees and that was not allowed during the time. They said I was responsible for things that werent even damaged to get more money from me when they already kept my deposit.