davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

The law states that bank of america will delete all accounts that have been charged off and sold, and delete from any credit reporting agency. 
I was the victim of identity theft in XX/XX/2015, the exact time of first late payment on this account. I have proof of the identity theft from XXXX  and XXXX. I have never missed a late payment in my life other than this incident which was only due to identity theft. The law states that bank of america will delete all accounts that have been charged off and sold, and delete from any credit reporting agency. My charged off account was sold to a collection agency and is still being reported as a charged off acount by bank of america. Please remove this ASAP. I can provide the proof of identity theft upon request.
Consumer complaint received 2020-01-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CO)

Experian Bureau once again did not allow me to dispute using typing form but to call. It is inconvient and I wd prefer to use typing form to file a dispute. The Experian lowered my score ny 19! It was XXXX XXXX XXXX XXXX fault and like I said before Experian did have the access to my XXXX XXXX XXXX XXXX XXXX but they dont bother to look but reported on what bank reported. I closed the acct with XXXX XXXX XXXX is because of their corrupted lies. I was never late! Was late for first time in XX/XX/2019 only and it was not my XXXX fault! Secondly, Experian lowered the score just because I closed the acct. See attachments. The reason why I closed is because of XXXX XXXX corrupted lies and false info.
Consumer complaint received 2020-01-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (TX)

I began the process of applying for a loan modification in XX/XX/XXXX due to having a temporary hardship. I submitted all documents but Mr. Cooper/Nationstar Mortgage continued to ask for one last document over and over. I received a letter showing that I was finally approved for a trial loan modification on XX/XX/XXXX. I sent an email on XX/XX/XXXX accepting the trial loan modification. I made the first two trial payments online and on time. When I logged into my online account on XX/XX/XXXX to make my third and final trial loan payment of {$1000.00} for Loan # XXXX, I was unable to submit a payment online and found a letter dated XX/XX/XXXX stating the following : Denial Reason : Failure to Return Trial Agreement You were previously oered a Trial Period Plan. The terms of the plan required that you return the executed trial plan agreement within the time allowed. Unfortunately, we must withdraw the Trial Period Plan oered because you did not return the agreement timely. 

The Denial Reason listed is untrue. I'm at a loss because I have been trying to get some help since XX/XX/XXXX. Please help!
Consumer complaint received 2019-12-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX Bank of America closed my credit card accounts, despite the fact that they were all current. Next the bank informed me when I called about the card accounts that in fact ALL MY ACCOUNTS, including a business account and my adult daughters account were being closed. When asked about the reason, the bank provided the statement 'For business reasons ' we no longer want you as a customer. 

That fact that no reason was provided and the fact that I was not provided with sufficient notice of such account closure violates my rights. 

I have been a customer of Bank of America since XXXX, which makes this action even more suspicious and arbitrary.
Consumer complaint received 2019-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (AZ)

On XX/XX/2019 I reviewed my XXXX - XXXX XXXX American Express Credit Card Statement. I noticed that my payments where not applied per the XXXX American Express Cardmember Agreement ( " AMEXCA '' ) dated XXXX which was provided to me by the first Amex Rep I spoke with by chat. The AMEXCA " About Your Payments '' " How we apply payments and credits '' States the following. Your Account may have balances with different interest rates. For example, purchases may have a lower interest rate than cash advances. Your Account may also have plan balances which are assessed plan fees. If your Account has balances with different interest rates, plan balances, or plan fees, here is how we generally apply payments in a billing period : We apply your payments, up to the Minimum Payment Due, first to any plan amounts included in your Minimum Payment Due, then to the balance subject to the lowest interest rate, and then to balances subject to higher interest rates. 
After the Minimum Payment Due has been paid, we apply your payments to the balance subject to the highest interest rate, then to balances subject to lower interest rates, and then to any plan balances. 
In most cases, we apply a credit to the same balance as the related charge. For example, we apply a credit for a purchase to the purchase balance. We may apply payments and credits within balances, and among balances with the same interest rate, in any order we choose. If you receive a merchant credit for a purchase placed into a plan, you must call us at the number on the back of your card to have the credit applied to the plan balance. 

I spoke with XXXX  customer service. 1st XXXX  - Payment Department. He looked at statement with me, he was familiar with the AMEXCA and payment hierarchy. He saw that my payment wasn't credited in that manner. He had to transfer me to the Plan Dept. 2nd. XXXX - Plan Dept. Quoted a different hierarchy that says, that any overpayment goes to the Plan amount. This is contradictory to the cardmember agreement. Asked for an escalation. She transferred me to a Supervisor 3rd XXXX XXXX was no aware of the AMEXCA Payment Hierarchy but repeated how it works and I agreed that my statement the payment was applied that way. 

So Amex is going to refund me the overpayment, and no while I have a plan out there I don't have the ability to prepay any purchases. Which is outside of the agreement. 

When I pointed out to the Amex Representatives that their Hierarchy is different than what the AMEXCA no one cared. These Reps were offshore, but still, I expect the company to have their Payment Hierarchy per the Cardmember Agreement or the ability to correct without having the customer participate in the accounting of a company the size of American Express. 

I think someone should contact AMEX to tell them how they are offering a poor Customer Experience with a payment hierarchy that is different than they disclose to the cardmember. Thank You.
Consumer complaint received 2020-01-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TCF FINANCIAL CORPORATION (IN)

On XXXX XXXX TCF bank authorized XXXX XXXX to recieve a {$110.00}. payment from my checking account. I contacted the back the same day I explained to the bank that I did not authorize this transaction. I requested an investigation to be made into this purchase and I acclaimed that it was fraud. I also contacted XXXX XXXX and requested that my funds be returned to my account. For the next 4 months TCF bank harrassed me lied and continued to take money out of my account causing mental and financial distress. I have been a customer with this bank for over 12 years i have never overdrawn my account. i called this bank numerous times and spoke to numerous reps explaining that the refund had been issued i was even told that the situation was resolved. I went to a local store to purchase a cup of coffee my transaction was declined. I was so frustrated and embarrassed i couldnt understand what was going on. I then got a letter saying that after the investigation they resolved it was my fault and it was something i had to take up with the company. Now 4 months later XX/XX/XXXX the bank goes into my account when i had exactly the amount to cover my transactions the bank tries again to recover {$110.00} from my account again sending me into the negative and switching the dates on the statement to seem as if their transaction was before my transactions that i had funds for and charged me 3xs {$35.00} over draft fees TCF and started sending me letters for their money. How is it that a bank can look at an account and maliciously attempt to aggresively collect revenue from a false claim? The bank gave zero effort into the investigation they claimed that was done because i contacted the company and used it as an attempt to collect money from me a poor single mother of XXXX a loyal customer who actually had the funds to pay for my purchase.???
Consumer complaint received 2019-12-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: TOYOTA MOTOR CREDIT CORPORATION (KS)

Well before filing bankruptcy I tried to keep the XXXX XXXX if they would lower payments and this was asked of Toyota credit services in 2017 I paid a couple of payments while I was waiting on them to come and get the car and when they got the car back they sold it at an Auction and still was trying to say I owed over {$11000.00} so then I keep getting harassed from them for a long time filed bankruptcy this year and the bankruptcy judge discharged it and they will not remove it from my XXXX credit report and will not remove it from my XXXX  credit report the only one they removed it from was XXXX  credit report can you please do something with these people
Consumer complaint received 2022-10-04
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. (FL)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2023-01-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (AZ)

I received a call from a XXXX XXXX stating that he works in the XXXX XXXX branch and I need to respond to court documents that were served to me today. I never received the papers so I called them to see what this was about. The person answered XXXX XXXX XXXX, asked for my case # then transferred me to XXXX who asked if this was me or my lawyer? 

He was extremely rude and told me that I owed Citibank $ XXXX. I told him that Ive never had a Citibank account and asked when it was opened. He told me he has no time for this and to expect a summons later today then hung up. I called him back asking him to be professional and inform me about the case then he recited my SS #, told me to expect a summons later today and to pay my bills. I asked him if this was a scam and he once again hung up. No server has been at my property with any court papers! 
Caller : XXXX XXXX XXXX XXXX Call type : Debt collector I found out that this person attempted the same scam with another person by doing an online search. Here is the weblink XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-22
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (NJ)

I called to have my account put on forbearance which I was told I was granted which never happened. I than went into collections dues to the error and it shows up on my credit report as two separate occurrences on my credit due it being set up as two accounts that were combined.
Consumer complaint received 2020-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I was looking at my credit report and noticed that there are multiple addresses on there that I don't live at. The only address that should be reporting is listed below. 

Correct address XXXX XXXX XXXX XXXX MD, XXXX Please delete these wrong addresses thats listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have medical bills that are incorrectly reporting negatively as unpaid medical bills to collections in less than a year. According to the Medical Debt Relief Act S.214 Section 3, no medical bills are to be reported as collections to credit report within 1 year. 
The following negative marks are damaging my credit : XXXX XXXXXXXX XXXX  XXXX XXXX reported XX/XX/22 Balance {$100.00} Please remove all incorrectly reported items as they violate FCRA 15 USC 623.
Consumer complaint received 2022-10-04
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: Birchwood Credit Services, Inc. (MD)

Recently, I did an investigation on my report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my cred it report and Under 15 U.S Code 6181e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these account were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report. 
As a consumer, I request to know the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification Description of reinvestigation procedure.
Consumer complaint received 2020-01-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I already reported on Bank of America but this app on mobile would not get me to the previous compliant nbr to add the attachments. It is so limited or too restrictive. So it is same company I am complaining about. I add the proofs of never being late with Bank of America until this month, XX/XX/2019. 
BOA suspended my credit card as an emergency card/fund. They shld not suspend but to report to credit bureau of being late AND charge fee at only one time which is XXXX Not previous months. BOA also charged me a several more on late charges.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : 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 2020-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (OH)

On XX/XX/XXXX I sent a request to verify the debt the company claim I owe. 

Few days ago I received account statements via mail. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts posted on a credit report. 

I ask to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file. 

The failure to positively verify these accounts has hurt my ability to obtain credit. 
Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the account.
Consumer complaint received 2020-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I submitted a complaint on XX/XX/2019 and they still did not answer my question as to how XXXX & XXXX are at or above 730 with the same data yet they are at XXXX. 
As you will see in the uploaded spreadsheet, the data is basically the same. Experian actually only has 4 Negative Items compared to XXXX having 5. I took the reports from both companies and compared the data. After doing this, I am convinced Experian is not reporting a fair score for me based on the data and also based on the fact that XXXX XXXX score pretty much mirrors XXXX XXXX. 2 Bureaus with similar scores should tell you that Experian is posting false information.
Consumer complaint received 2020-06-10
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shellpoint Partners, LLC (NY)

I send a certified mail letter to New Rez LLC d/b/a Shellpoint Mortgage Servicing and request pursuant to Section 313 ( f ) of the Truth in Lending Act, 15 U.S.C. 1641 ( f )  requested copy of the promissory note signed by XXXX XXXX for their demand for payments under and a Qualify Written Request. Shellpoint Mortgage Servicing send me a letter dated XX/XX/2020, and Notice of Default and Intent to Accelerate dated XX/XX/2020. 

Shellpoint Mortgage Servicing did not send me pursuant to Section 313 ( f ) of the Truth in Lending Act, 15 U.S.C. 1641 ( f ) requested copy of the promissory note signed by XXXX XXXX for their demand for payments under and a Qualify Written Request.
Consumer complaint received 2020-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I was looking at my credit report and noticed that there are multiple addresses on there that I don't live at. The only address that should be reporting is listed below. 

Correct address XXXX XXXX XXXX XXXX MD, XXXX Please delete these wrong addresses thats listed below. 

XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX CT XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX
Consumer complaint received 2019-02-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Since Thursday I've received 12 calls for a payment for which the account is in dispute. I specifically told Bank of America that I will pay the full debt due as long as they are reporting my payments accurately for which they have not. I've spoke with Bank of America regarding the insistent phone calls. This is harassment furthermore, the company reflected a late payment that should not have been.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I noticed an inquiry on my Credit Report from Piles XXXX in XXXX XXXX, KY pulled in XXXX of XXXX. I called and was told I would get a call back. The finance manager called me back and admitted a hard inquiry was done by mistake he had no record of why it was done but admitted his name was on it, so he was the one that pulled it. He had no recollection of doing so or why and he apologized. He said my info was still in the computer from XXXX so I asked him to delete it right away and to report to the Credit Agencies that the inquiry was a mistake. He said he would see what he could do and that was two weeks ago and I have not heard back. I filed a dispute with the credit bureau and got a reply that the credit was in fact pulled so they would no remove the inquiry. I am trying to buy a house!
Consumer complaint received 2024-06-16
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bonneville Billing and Collections (ID)

Bonneville Collections continues reporting a false collection. They are also falsely representing themselves as ATTORNEYS on the credit report with credit bureaus. The disputed amount was paid directly to and on time to Natural Gas Utility by Title closing company XXXX XXXX at closing on XXXX XX/XX/year> during sell of previously owned property. Numerous attempts to dispute and stop this collection agency from false reporting which has impacted my credit rating have failed.