davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I submitted a fraudulent claim for my business banking account to Bank of America on XX/XX/21 for the amount of {$13000.00}. The claim number is XXXX. I explained to Bank of America that I was scammed into sending a company {$13000.00} as a business investment and never received the products in return. I tried to recover the money by contacting the recipient and they have blocked me from all communications. Bank of America is stating they are not able to help with the fraudulent claim. I have a been a great business account customer with Bank of America for quite some time and would like if they would investigate the claim and refund my money.
Consumer complaint received 2022-06-20
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)

I was young and I didn't know anything about credit, once i got older i realized that my identity was used, i was not aware of this happening. i did not know anything about credit around the time this happened and i need this to be removed because it is hindering me of obtaining credit, apartments, a car and more. I have a fraud XXXX XXXX  on my credit report that needs to come off. I contacted XXXX and keep the getting the run around!
Consumer complaint received 2024-05-28
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

At the maturity date of a XXXX CD, USAA is not allowing me to close the account without paying a penalty. USAA automatically re-enrolled the CD amount in another XXXX CD without confirmation from me and without there being a method in the USAA app to close the account. The bank representative noted that they sent me correspondence on XXXX XXXX. That date was three days before the end of the grace period and was the Friday before the XXXX XXXX weekend.
Consumer complaint received 2022-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I disputed the unverified, unvalidated, and inaccurate XXXX XXXX Credit Card numerous of time most recent XX/XX/2022. The account keep coming back verified with none of the requested information provided i.e. original contract or correction in inaccurate and incomplete payment history. I have exercise my rights according to the FCRA.
Consumer complaint received 2018-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (MO)

I tired to make a purchase on XX/XX/2018. I called Citibank credit card and they could not verify my account through the phone number I gave them. They said they would send a verification letter in the mail. 3 weeks and several phone calls and I still cant use my card, pay my bill, log into my account, or even report the card stolen. They asked for another credit card number to verify. I gave them my XXXX XXXX  card number that Ive had over 3 years. They still couldnt verify my account. They are doing nothing to resolve the situation. I got my bill in which I cant pay but no way mail to verify the account. I asked them to send an email. They wouldnt do that. I cant make a payment or report the card stolen and I am worried they will try to make me pay a late fee.
Consumer complaint received 2022-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CA)

2 issues : 1 ) The handling my mortgage servicing transfer by BSI has resulted in untimely escrow disbursements for property tax, despite notifying them of the required payment multiple times through multiple channels. They currently hold the required funds in my impound account but are not actioning my urgent requests to ensure they pay the delinquent property tax bill per my requests. I have notified them through email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, The customer service agent has replied " We are processing your request '' or my account manager has said " I have escalated your request '' on each occasion without further providing detail when asked. I have also contacted BSI by phone on this matter weekly since XX/XX/XXXX which will show in their contact logs, including leaving messages with my account manager 's voicemail directly. I have been told it would be resolved in early XXXX ( it was not ) or advised to " keep calling back- I've escalated but there's nothing more I can do ''. The issue remains unresolved. 

2 ) My loan is eligible for a recast after 90 days of origination, which was XXXX XX/XX/XXXX. The eligibility was confirmed by my loan originator, XXXX XXXX XXXX, in XXXX. I requested a loan recast application on XX/XX/XXXX from BSI via secure messaging. I subsequently chased this due to no application arriving via follow-up emails on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was also calling weekly requesting this information from their contact center. Upon finally receiving the details to contact my Account Manager directly, I confirmed on XX/XX/XXXX the wire details to transfer the additional principal balance ( $ XXXX ) which I completed on that day. This was to ensure the recast would be completed and reflected on my XXXX XXXX monthly payment ( reducing this by over {$990.00} so a significant amount ). Subsequently, I have been calling twice weekly as will show in their contact logs and emailing on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( the latter including their VP Client Services and Loan Manager ) to confirm the recast is completed in the timing outlined by the account manager. They have either not responded or have responded to tell me it's either 'escalated ' or 'processing for XXXX  XXXX '. It is now a week later, they have held my wired $ XXXX funds for over 4 weeks and the recast is not in effect and there is no confirmation of when this will happen. I have already incurred 2 higher monthly payments than necessary if the recast was effected when requested and eligible. I reported to the account manager and VP of Client Services and Loan Manager that I would be reporting a complaint to CFBP to which he responded " I understand if you need to file a complaint with he below listed authorities. ''
Consumer complaint received 2018-05-25
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: QUALITY ACCEPTANCE LLC (CA)

XX/XX/XXXX I check my credit report and found out they Quality Acceptance the agency in which I purchase a car loan had not posted all of my payments on the car. The car was stolen the last part of XX/XX/XXXX and was put in an impound by the XXXX XXXX Police Department because the people that stole it we're gaming members and they had committed several robberies in my car so the police have kept it for evidence. 
When the impound called me to pick up the car on XX/XX/XXXX the car was gone Quality Acceptance had repossessing the car when I called they told me because they said I had outstanding payments missed on the car. But they never did call me or send me anything in the mail or even try to contact me on my email and I've always made my payments and so. 
I had made several complaints to your agency about this company in XX/XX/XXXX and you cleared them and I wanted to know what you can do about this complaint
Consumer complaint received 2018-05-25
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Collection Center Inc (SD)

On a third party voice message system a collector from collection center in named XXXX left a voicemail for me and stated that he was a debt collector inferring that there was a debt in blatant violation of fdcpa laws
Consumer complaint received 2022-03-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (IL)

Last month, as I was recovering from XXXX, I forgot to cancel two payments that resulted in an overdraft/NSF fee being charged by Wells Fargo XXXX When I called to ask for a refund of those fees, I initially heard the agent say {$70.00} ( which would have been the total amount that I was charged ) but I guess I misunderstood the agent because I only got a {$17.00} refund. When I called again to inquire about this, I was told because the {$17.00} was all they could do.
Consumer complaint received 2020-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX ; XXXX and Transunion are reporting incorrectly a collection/charge-off in the amount of {$4500.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and should be reporting a {$0.00} balance. I have attached a copy of the Note Balance History for your reference. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau XXXX, TransUnion, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau Equifax, XXXX, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-08
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. (CA)

I am a victim of identity theft. The accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. This is a strict violation of FCRA Laws section 605b, they should be blocking or removing these from my report. 

XXXX BANK XXXX, XXXX XXXX XXXX
Consumer complaint received 2018-05-25
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. (GA)

Upon receiving recent notices that I've been the victim of identify fraud, I started retrieving and reviewing my credit reports for errors. As such, I've noticed a few items that are completely incorrect in their status reporting or they are simply not mine. These have been previously requested to be disputed and either no response was provided andor no action was take as I've been told that the information was previously investigated. 

The credit item in question that's presently reporting as Paid Collections under the name XXXX. This item is reporting on all three of my reports. 

Then something called XXXX XXXX XXXX is reporting only on my XXXX report.
Consumer complaint received 2018-05-25
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: Siggi LLC (NC)

XXXX failed to correct an account from XXXX XXXX XXXX in the " Pay Status '' as Current ; Paid or Paying as Agreed. The account is showing 60 days Past Due. I want XXXX and XXXX XXXX XXXX to correct this error and update my credit report.
Consumer complaint received 2022-03-07
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: Experian Information Solutions Inc. (GA)

SS # : XXXX My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX Ga XXXX My only employer is XXXX XXXX XXXX There may be individuals that have the same as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report.

Regardless there are forms of my name and addresses that should not appear in my credit file. 
Please promptly remove all other names, addresses, and employers. These other forms of my name, address, and employer are not correct historical data so they need to be removed. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-03-07
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. (GA)

SS # : XXXX My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX Ga XXXX My only employer is XXXX XXXX XXXX There may be individuals that have the same as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. 
Regardless there are forms of my name and addresses that should not appear in my credit file. 
Please promptly remove all other names, addresses, and employers. These other forms of my name, address, and employer are not correct historical data so they need to be removed. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-12-16
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: Experian Information Solutions Inc. (TX)

These account on my credit report are misleading and false. Experian, XXXX  and XXXX  has a closed and derogatory accounts, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, and state of XXXX. These account are all violations of the FCRA. They havent been validated and should be removed from my report. They also sent me letter with there logo stating that I owe a debt which is against the law stated in 15 U.S.Code 1692b. This results in a {$1000.00} fine. An because your attempting to collect a debt that is against the low stated in 15 U.S. Code 1681b. You can not file a consumer report unless you have a written order from the courts, also should be accordance with the written instructions of the consumer to whom it relates. Also in 15 U.S.Code 1692b no debt collector can state that such consumer owes any debt. These are all {$1000.00} fines. Reports should not contain information solely as to transactions or experiences between the consumer and the person making the report. The congress also stated that any authorization or approval of specific extension credit indirectly should be excluded from your credit report. Also during your investigation into these accounts did you conduct personal interviews with any of my neighbors, family or associates? A consumer has the right to privacy and you sending three letter is a violation of my privacy. Congress states that the definition of credit card is also your social security number. So any closed or unauthorized account thats on my credit report should be removed.
Consumer complaint received 2022-03-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

The collection company is trying to collect on different debts from me that are past the statue of limitations. So they are no longer legally allowed to collect them. They are also reporting negative information to my credit reports and that needs to stop. How can you try to collect on debts that are time barred and no longer collectable under the law?
Consumer complaint received 2021-12-02
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. (NY)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2022-03-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (FL)

The collection company is trying to collect on different debts from me that are past the statue of limitations. So they are no longer legally allowed to collect them. They are also reporting negative information to my credit reports and that needs to stop. How can you try to collect on debts that are time barred and no longer collectable under the law?
Consumer complaint received 2019-11-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (GA)

I have faxed over my loan modification paperwork to Caliber several times and have also emailed them weeks ago and keep getting the run around that the missing paperwork has not been received and now there has been a sale date placed on the property. Paperwork was faxed over on XX/XX/2019 and again on XX/XX/2019 and a sale date was placed on XX/XX/2019 for XX/XX/2019. I feel that Caliber is not taking the proper steps to help me with this process and avoiding to upload my documents. I would like for them to put the foreclosure on hold and review my file for a modification as they are required to do by law.
Consumer complaint received 2022-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (TX)

Round-point mortgage co included escrow account without my approved knowledge I pay my taxes on XX/XX/2022, I was paying {$920.00} as my mortgage regularly for past 8 years without any problem, Round-point mortgage did the analysis more than my mortgage payment, mean while {$1200.00} I right way I stop escrow account with Round-point mortgage they agreed to stop, because analysis over estimated by {$700.00}, I paid my taxes and insurance by myself for past 10years from the day I bought my home. They sold my mortgage to XXXX XXXX  without sending any notice Now my mortgage payment is {$2300.00} over estimated the scam analysis done by Round point. They ask to refinance they can pay for upgrade my home they were harassing me for while I told outright to stop my escrow and stop calling me for upgrade and refinance which was stress for me from Round point mortgage CS personal, My mortgage payment which I sending to XXXX XXXX goes to suspense Account I dont know what that is, I like file a complaint regarding Round point mortgage unprofessionalism, the stress strain and sleep less night emotional physical distress I go thro every day because of Round point mortgage bad customer service I was loyal customer to them past several years. They did not fix the problem instead they sold to XXXX XXXX without any notification, I was talking to Round point mortgage till XX/XX/2022 paid extra {$1300.00}. On that day they didnt mention they selling my mortgage to a different co, After I could not contact them by phone, I send letter by mail no response. I did not sign any documents with Round point mortgage for escrow I paid my taxes, for this year for last 8 years I been paying without any problems. Please fix my problem ASAP. Please reprimand Round point regarding and stop corruption and screwing customers lives. 
Round point Acc no : XXXX. 

XXXX XXXX Acc NoXXXX. 
XXXX XXXX XXXX XXXX TX XXXX.
Consumer complaint received 2022-03-07
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. (MI)

My name and date of birth are incorrect on many of my accounts In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 acount without my written instructions