davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-06
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

This complaint is about Bank of America 's ( BA ) failure to provide access to my funds.

It is the second time in six months that BA has failed to provide access to my funds. In the first instance, BA admitted that it failed to provide immediate access to funds transferred to my account from the Federal Treasury.

This time, BA is not providing access to funds deposited directly with them. 
The date of the most recent occurrence was XX/XX/2020 : The initial time was XXXX XXXX ( I had an appointment ). 

For the last six months, I've had two CDs at BA -- one of six months duration and a renewable nine month CD. 

Subsequent to the maturity date of the two CDs, I went to the local branch to renew the nine month CD ( {$130000.00} ), intending to include in the new nine month CD {$15000.00} in cash from another account at the bank, and the balance in the six month CD ( {$32000.00} ).

The first person who tried to complete the task failed to include the {$15000.00}. Efforts on the part of a more senior employee with help from the back of the BA 's CD Department resulted ( I've been told ) to the addition of the {$15000.00} to the CD account. The total should be {$180.00}, XXXX. Since all of that money was already on deposit with the bank, I should have access to all of it. 

I was informed that it could take as long as a week to correct the Bank 's system, and until that time I would not have access to MY {$15000.00}. 

Really? It was already my money, and it's in the bank. 

Though the performance of the two individuals in the branch was less than stellar. My complaint is that BA 's system doe not provide a way for human employees to correct mistakes made by the bank in a way that provides depositors with immediate access to their funds. 

Same year, same bank, same failure
Consumer complaint received 2022-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TN)

Credit Collection Services has placed a collection on my credit profile claiming that I owe {$600.00} to XXXX. I researched XXXX and they appear to be an insurance company. I have never used that company for insurance. I have reached out to Credit Collection Services 3 times about the issue and they have yet to resolve it. They bought a debt for pennies on the dollar and are trying to make a profit. This company is horrible.
Consumer complaint received 2022-06-03
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. (TX)

I sent letters of on XX/XX/2002. My tracking numbers from XXXX are Experian # XXXX, XXXX # XXXX, and XXXX # XXXX, to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 15usc 1681, I have the right to privacy. Also according to USC 6802, No financial institution is suppose to share my information to any third party. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX - Account Number : XXXX - XXXX XXXXXXXX - Account Number : XXXX - XXXX XXXX  - Account Number : XXXX - XXXX XXXX  XXXX - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX - Account Number : XXXX - XXXXXXXX XXXX  - Account Number : XXXX
Consumer complaint received 2021-09-05
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. (TX)

on XX/XX/XXXX, XXXX I sent letters to XXXX XXXX about a a car loan that was paid by my insurance company and Gap insurance. The car was listed as a loss on XX/XX/2018. It was being paid in a chapter XXXX payment plan until the accident. The account has be placed as a new account on my credit report with a open balance of XXXX and being reported late in collections of 120 days. The account should show closed and not open.
Consumer complaint received 2020-04-06
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. (FL)

XXXX XXXX is being reported on my credit report my this account was opened by another person not me I was compromised by the Equifax breach and I believe this was opened at that time this was not opened by me.
Consumer complaint received 2023-06-24
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SECURITY FINANCE CORP (ID)

I told them I am out of a job and looking for work, but they continue to call my friends and family after I told them to stop. 

They said they would stop, but did not. Now my friends and family are angry and not sure what they can legally do about it. 

I have no money, no food and no job, I can't pay what I don't have. When I get a job, I will pay them.
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX XXXX {$3100.00} XXXX  XXXX {$5700.00} XXXX XXXX XXXX {$150.00} XXXX XXXX {$700.00} XXXX  XXXX {$3100.00} XXXX XXXX {$820.00} XXXX XXXX {$5700.00} XXXX XXXX {$220.00} XXXX   XXXX {$820.00} XXXX  XXXX {$260.00} XXXX  XXXX {$670.00} XXXX  XXXX   XXXX {$1400.00} XXXX XXXX XXXX XXXX {$100.00} XXXX  XXXX {$100.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX {$45.00} XXXX XXXX   XXXX {$25000.00} XXXX XXXX   XXXX {$610.00} XXXX   XXXX {$7700.00}
Consumer complaint received 2020-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

This loan was with XXXX started in XXXX. Apparently they sold it to NEWREZ at the first of this year. The escrow account you Received from XXXX XXXX is not correct. Please look at the findings FINAL ESCROW ACCOUNT DISCLOSURE STATEMENT XX/XX/XXXX from XXXX Balance sent to you is XXXX Correct amount I pay each month is XXXX into escrow no payment due till XX/XX/XXXX for insurance of XXXX then taxes in XXXX of XXXX at XXXX with starting bal of over a thousand you will have to much money. 
XXXX XXXX did a ANNUAL ESCROW Account disclosure STATEMENT. ON XX/XX/XXXX. Incorrectly stating the escrow account was XXXX deficient. On this report on the back or second page is a rundown of the amounts held and due. Section 5. Please note the amount of XXXX XXXX as hazard ins was deducted from the total actual balance. YET this amount is labeled XXXX which is estimated future payment. 
So in effect a estimated future payment was deducted from the actual balance of the escrow account. This amount is not due until XXXX of XXXX. This error caused lots of time and confusion. PLEASE adjust and lets get a bi weekly payment schedule in order for the rest of this loan. OR I will pay the tax and insurance yearly myself instead of dealing with this escrow account that has been mismanaged. This was sent to NEWREZ Besides the incorrect escrow findings and amounts needed to be held, Newrez changed the amount of money that was being sent to them through my broker account. I authorized {$1100.00} per month paying principle and interest ( this included a extra {$300.00} per month toward principal ) on the loan and {$350.00} going to Escrow account. NEWREZ changed this amount without my knowledge or permission. New Rez thought because XXXX XXXX told them they needed to increase my escrow account by XXXX to keep it flush, So when they changed the amount without my permission they took the principal + interest + escrow amount and the increase in escrow amount which totaled. XXXX. XXXX XXXX XXXX. the {$300.00} I asked to put toward my principle was not included. Since the extra {$300.00} has not been put toward the loan XXXX XXXX and XXXX now XXXX I am paying interest on that money I wanted to reduce the loan with. 
I have called written e mail New Rez now 8 times over the last 3 weeks. I tried to stop the payments from my account but could only do so. I set it up in the XXXX XXXX account on line not through my bank account as that is where it came from.It is impossible to talk with them I am hoping if you can contact them and let them know I feel a incorrect accounting has occurred and I would like it straighten out. 
thank you I resorted to taking the money out of my account so they could not longer take it.I In fact they stated it was not due until XX/XX/XXXX but tried to take the money on XX/XX/XXXX. It was returned NSF which was the only way I could stop them from taking money. I have great credit and would like to keep it that way. Help!!
Consumer complaint received 2020-04-06
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$530.00} XXXX  XXXX XXXX {$4600.00} XXXX  XXXX {$7800.00} XXXX XXXX {$1200.00} XXXX XXXX XXXX {$15000.00}
Consumer complaint received 2022-12-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jon Barry and Associates, Inc. (NC)

An individual is impersonating a medical collection agency, Paragon Revenue in XXXX. He called about outstanding debt, wasn't sure how or why he had this information, and when we tried to clarify the information, he asked for social security and other personal information. 

We said we'll call back. He said ok. We did later, and he didn't know what we were talking about, and asked for our personal information again. When we said we didn't want to share that info, he told us that he's busy and needs to go and hung up on us.
Consumer complaint received 2022-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NC)

Background : I have been a loyal customer to Wells Fargo bank for over 22 years, and have had a preferred checking account and a mortgage. 
- on XX/XX/XXXX, I paid off my mortgage in full - on XX/XX/XXXX, Wells Fargo applied early charge to my checking account of {$15.00} Unfair Customer Treatment : - on XX/XX/XXXX, Wells Fargo immediately charged my checking account {$15.00} fees despite that I get free checking during that month for having mortgage - Wells Fargo takes 24 hours after receiving the fund to show transfer fund to the account! 
- Wells Fargo takes 3 full business days for bank to bank money transfer! Other banks take one business day for money transfer! 
- Accordingly, Wells Fargo charged my account {$35.00} fees for OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/27 {$150.00} XXXX XXXX $ TRANSFER XXXX
Consumer complaint received 2022-06-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST CENTENNIAL MORTGAGE CORP (TX)

-In XXXX of XXXX I requested a forebearence from my loan servicer First Centennial Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IL My loan is backed by XXXX XXXX  XXXX My business had been shut by city ordinance due to covid. 
XXXX of XXXX I was prepared to begin repayment. The lender indicated I could get a modification but firsts had to go through a trial period for three months.

-I received no paperwork XXXX XXXX XXXX the trial period begins with the first of what I was told would be 3 payments of {$1400.00}. 
XXXX XXXX I made 3 calls, XX/XX/XXXX I made one call, and XX/XX/XXXX I made one call to the loss mitigation department of First Centennial all for request documents explaining the terms of modification. and was told paperwork was " on it's way '' -These payments were made from XX/XX/XXXX and are currently still being made with the most recent XX/XX/XXXX. 
- I never received paper work confirming or explaining the terms of modification which began on XX/XX/XXXX -Have made a total of 17 phone calls to this company since XXXX of XXXX requesting documents for loan modification. 
-I called and requested an escalation of my account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
XXXXI have receved no call back and no answers where my modification paper work is form the trial that began on XX/XX/XXXX -I have received a letter from First Centennial mortgage date XX/XX/XXXX Indicating I am now in default. 
XXXX XXXX XXXX I made another phone call to the loss mitigation department to inquire about an update.

-First Centennial is requiring I pay a lump sum of {$21000.00} although my forebearance due to covid began before XX/XX/XXXX. 
-My Forebearance due to covid began XX/XX/XXXX -This lender has given me until XX/XX/XXXX to pay this lump sum and cure this default. 
-This lender has indicated in a letter " The nature of your default is the failure to make the monthly payment from XX/XX/XXXX to XX/XX/XXXX. '' -My Bank Account indicates money has been paid to this company. Over {$14000.00} has been been paid. 
-I have also indicated to the lender the modifyed payment amount is in excess of my original loan payments and received no answer.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advanced Resolution Services Inc. (NY)

I wish to formally contest any unsubstantiated or inaccurately documented information in my credit report, according to the FCRA and the recognized XXXX XXXX data field reporting standards. The allegations of delinquency and derogatoriness require factual verification as mandated by federal and state law, preventing any reporting that may contravene legal requirements. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX  XXXX XXXX, XXXX, NJ, XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged 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 2022-12-29
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (LA)

I have a Derogatory remark on my credit score. Showing that Jefferson Capital Systems LLC has 2 accounts one. For {$8000.00} and one for {$10000.00}. It shows the original creditor to be XXXX XXXX. I contacted XXXX XXXX and they told me they do not go to outside collection agencies and the amount I owe is substantially less than what is being shown. The account was opened on XXXX. It did not show on my credit until XXXX.
Consumer complaint received 2020-04-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (AZ)

Due to the COVID-19 pandemic, my small business has been impacted substantially resulting in a loss of over {$20000.00} in just two weeks time. Unfortunately, the timing of the pandemic occurred during our peak season of operations. We are in the hospitality   business and depend on the additional income received during the months XXXX - XXXX, to supplement the lack of income during the summer months. Our business provides XXXX  services for short term rentals in the area, also known as, XXXX 's and XXXX 's. Travel advisories placed us first in line as a business to become impacted by the pandemic. It will take over a year to make up the loss incurred. As a result, we are forced to re-enter the work force as employees. While looking for work that is already very bleak due to the large numbers of others that are also looking for employment during this unprecedented time, we hoped to receive a payment deferment from our mortgage company, US Bank. US Bank 's current relief program does not provide any relief or assistance. Payments can be made at our own discretion until XX/XX/2020 but all 3 months of mortgage payments are due in full by XX/XX/2020.  This only offers the opportunity to become behind on payments. Attempting to pay 3 months worth of payments in full is not realistic when we are already enduring incredible hardship from something that is completely out of our control. We have never been late making a payment to them since we've began making payments to them almost four years ago. Why can't the payments be deferred and tacked on at the end of the loan? Our credit union was able to do this and promptly did so for our auto loans with little to no questions asked. This would help us substantially while we try to get back on our feet. We are a small business. We've provided work and income to other families in need and will be the ones doing it again when the economy is trying to get back on its feet. Why is there not better help and assistance available to us when a national emergency and health crisis is at hand? We know we are not the only ones enduring this and hope that this complaint can bring true relief to other American families that need it most during this global tragedy.
Consumer complaint received 2024-01-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CITIZENS FINANCIAL GROUP, INC. (NC)

Hello, I received a letter from my bank with increasing in my escrow with amount about {$35.00} which may be reasonable but still need a prove and more information and which item in escrow increased the tax or insurance although my neighbors in the same country have not received any notification The second dummy and unreasonable increase under name of just shortage is amount of {$50.00}.
Consumer complaint received 2022-06-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I was sent a txt alert through XXXX asking if I authorized a payment for XXXX and when I called and was transferred to there supposed fraud dept and then to my bank to make sure the payment didnt go through. There was a very publicized case from a women in XXXX Oregon who fell for the same scam XXXX and her claim was denied through chase until she fought it, and was issued her money back. Im trying to figure out how to move forward with fighting this Ive contacted chase and refilled another claim for this. Although it seems without further assistance the banks can deny. From what Ive read there are federal laws in place for this?. Any help is appreciated. Thanks XXXX XXXX
Consumer complaint received 2022-12-29
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. (FL)

This is my third time reaching out to Equifax. Once again I have no know knowledge of XXXX. Im going to continuously fight this until it is completely removed from you bureau. Ive also reached out to to your bureau several times in regards to the illegal reporting from XXXX. Someone used my information illegally, my social security number, my date of birth and my name. I have reached out to you several times about this to let you know that my information was breached on several instances and that is what lead me to file an identity theft report with the FTC. How many times do I have to keep letting you guys know that XXXX is not my debt. I dont know anything about XXXX until I received a copy of my report. Please remove XXXX XXXX from my from my credit file as this is not my debt for the last and final time. 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 605 B section 2 : also states ( 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 4 business days. 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. PLEASE LOOK AT THE FTC REPORT TO SEE THAT I HAVE FILED A IDENTITY THEFT FOR XXXX XXXX THIS IS NOT MY DEBT. MY DATE OF BIRTH, MY SOCIAL SECURITY, MY NAME WERE BREACHED.
Consumer complaint received 2020-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (NY)

Dear SR or MADAM. I am writing to complain again my case. Because i was in the court on XXXX as you know i complained to XXXX  XXXX  XXXX  i had account # XXXX.I been paying for 2 years plus, which was for my debt with citibank credit card the account # XXXX .So they sent me transcripts of checks. The checks are pay to the order of CITI and below says for XXXXCITICORP CREDIT services, INC.IN the court they say does not prove the debt was paid because on the checks does not show this account - XXXX.So i have to back to court on XXXX. So i need to find out where the CITICORP. credit servises inc put those checks in. It should be applied for this account XXXX. And basically that is the complain to CITIBANK. Thank you so much.