davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I would to report the unfair, harassing, and abusive action of Bank of America ( BOA ) credit card practice that harmed me in many ways. 
In XX/XX/XXXX, I noticed that my credit score dropped XXXX points in a matter of 2 months and realized I was a victim of identity theft. My identity ( SSN and Birthday ) was stolen. The thief/impersonator who stole my identity opened two credit cards from 2 different banks ; of course, the cards were never paid after maxing out the credit limit. Then I contacted credit Bureaus, and the banks issued credit cards to the theft. After investigation, all credit Bureaus and XXXX XXXX  removed all card transactions associated with fraudulent accounts and also removed all negative records from my reports from the card obligation as the cards were issued to a different name and mailed to a different address than my actual address, the impersonator used my SSN and Birthday to apply for the cards. 
However, dealing with BOA to get this resolved became mission impossible. Starting XX/XX/XXXX until XXXX, I have contacted BOA many times via calls to their fraud reporting line to report this matter and even asked BOA to set up case number XXXX to investigate this matter. However, Bank of America failed to investigate this matter properly. In addition, they refused to respond, accepted my information, and refused to provide me with any update. Instead of protecting consumer rights, BOA started harassing and bullying me as they searched and found my home address and started sending me harassing mailing and obtained a judgment against the name used to apply for the card, etc. I even went to the police and I was advised that I didn't have to worry about it as the card was issued to a different name. 

On XX/XX/XXXX, I was served a summon for a court judgment under the impersonate name, and I mailed and faxed to the law firm that BOA hires, noting them I was not the person. I have never received any responses either. 

In XX/XX/XXXX, four years past, BOA got a judgment against me in addition to the fake name used by the thief ( they sued the fake name associated with the card but linked my information ( they use A.K.A. on the court paper my real name and SSN ) on the decision then obtained also another judgment to garnish my wage. I never got a chance even go to court to present my situation. 

In summary, BOA is negligent and abusive towards a regular consumer like me in this matter ; not only they did not help me to resolve the identity theft issue, they even used their resources to abuse and bully a regular consumer like me, by getting a court judgment and wage garnishment judgment, they made my four years since XXXX to XXXX like living in XXXX and now I am forced to hire an attorney to assist me with this matter for the judgment and wage garnishment.
Consumer complaint received 2023-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

For the past year I've been contacted via email from a guy named XXXX XXXX who purports to have an Bank of America ATM Card with the amount of {$3.00} XXXX Dollars in my name. He sent me a certificate of transfer stating the same thing, however in order to receive the ATM card he wants me to pay {$500.00} for the shipment and/or activation. I tried to run him away referring to him as a scam, but he has been persistent that he isn't a scam by swearing to XXXX and on his life that he isn't, on the certificate it has the CEO of Bank of America signature on it, I've also contacted the CEO of Bank of America via email to validate the document but to no avail, he didn't respond back. I had an account with Bank of America in XX/XX/2020 however it was closed although I believe it was never closed and I was charged unauthorized fees on the account which diminished the funds that I did have in the account. Under law I believe I'm the rightful beneficiary of the funds stated by XXXX XXXX from Bank of America.
Consumer complaint received 2018-12-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I have made an anticipated payment for XX/XX/XXXX to Select Portfolio Servicing , Inc. on XX/XX/XXXX for {$1200.00} because I'm travelling internationally and won't be able to process payment ; I indicated XXXX payment in the memo, however, the servicer has taken the payment and applied to my principal, thus creating a hardship for me because I wont be able to make the XXXX payment from oversea. 
I have requested the payment to be adjusted several time, without avail. Why are servicing applying payment to principle without my authorization? 
Loan No XXXX Select Portfolio Servicing , Inc This issue has created a great deal of street for me during my travel.
Consumer complaint received 2022-03-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/2022 I spoke with an agent where I my credit was verified and my loan application was approved. During the conversation I asked the lady who I was speaking with if I needed to leave my credit unlocked for anything else during this process. Her response was No. 
So once the conversation was completed I locked my credit again to protect myself from any type of fraud. 

A few days later I received the invitation as promised from the phone conversation on the XXXX, when I went to complete the transaction it was denied because of my credit being locked ( after I verbally confirmed if it was necessary for it to be unlocked ). 

On XXXX the XXXX I called in to speak with someone about what had transpired and encountered XXXX. From this day until XXXX XXXX she had me continue to apply over and over while leaving my credit unlocked be now the letters that I am receiving are saying that I am ineligible due to missing or unavailable information. 

I asked her how could this be due to the fact that I am a Capital One Card holder and have Capital One banking which also comes with XXXX XXXX. That has access to my credit information. She had no answer for that only to continue to reapply until I was approved because they could not reopen the application that was approved. 

My issue with this situation is how is it that I was approved once but subsequently not approved XXXX times afterwards and no one can do anything? I am beginning to feel as if there is something wrong with this entire situation, there is a reference number attached to my original approval, several agents within this company were able to see it but they all tell me that there is nothing that they can do to help me. 

The last letter the I received from this entire ordeal stated that I have too many attempts and they can not approve me. Now I was doing what I was told based on the advice of an agent, shouldnt she ( XXXX ) have know that this was the incorrect process in order to obtain an approval?
Consumer complaint received 2022-03-20
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: EQUIFAX, INC. (NJ)

XXXXDept of Ed amount {$140.00} 15 U.S. Code 6802 ( b ) ( c ) Opt out, I was never given the opportunity to exercise my rights to opt out of having this alleged debt reporting on my consumer report.

15 U.S. Code 1681 a # 2 exclusions and ( B ) Any authorization or approval 1602 ( L ) Term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. This does not state anything about reporting of student loans is not credit.
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (MS)

I called XX/XX/XXXX to make a payment on my car loan. I always pay the day I make the call. Their automated system messed up and didnt process my loan until XX/XX/XXXX, which put it 30 days past due. Instead of admitting to their mistake, which is simply proven by listening to the recording, they reported false information to the XXXX
Consumer complaint received 2021-02-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (MD)

I am filing a complaint against Nationstar Mortgage, LLC Mr. Cooper I recently purchased a home on XX/XX/XXXX through my mortgage company, XXXX XXXX XXXX. I completely own this house through XXXX. 

On XX/XX/XXXX, a woman rang my door bell for the second time in 1 months time. She stated that the company she works for is asking for interior check on my newly purchased home and that her company thinks the house is vacant. Both times I told her obviously the house is not vacant since I am speaking with her. 

The first time she came, I spoke with her through XXXX XXXX and she went away. The second time she came, XX/XX/XXXX, I came to the door because she had given me a paper with a number to call. ( Please see attached ) I called the number and no one there is able to assist me with this issue. So, I've called my POC for my mortgage. She stated that this company is indeed soliciting and trying to get me to refinance my home. This is a super weird, unprofessional, and scary way to advertise about a refinance! I live alone, so to have a random person keep knocking on my door about a vacancy on a house that I clearly own is frightening and unacceptable.
Consumer complaint received 2020-11-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of Fort Walton Beach, Inc (VA)

I was denied a XXXX  Student Plus loan by the Department of Education which has resulted in a diminished chance of graduating from XXXX University with a XXXX XXXX XXXX in XXXX XXXX XXXX XXXX because the Department now requires perfect credit to get these loans. So I checked my XXXX  Credit Report and found a collection from COLLECTION BUREAU OF FWB, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXFLXXXX ( XXXX ) XXXX for XXXX Tennessee XXXX XXXX XXXX XXXX. This debt is supposedly for services rendered in XXXX of 2018. I contacted the XXXX group and inquired about this as I had XXXX at that time. They have no record of providing service to me in XXXX, 2018, and no record of submitting a bill from that time or any other for collection. The Collection Bureau of FWB refuses to contact the provider to verify this or to send me their information justifying this collection. They also refuse to remove this fraudulent attempt to collect a debt from my XXXX credit report.
Consumer complaint received 2018-08-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Manor Resources, LLC (MI)

Dear Supervisor, The loan has been transferred to three different companies known as Manor Resources , LLC. and or XXXX XXXX. Three different addresses starting in XX/XX/2018. No more access to online account possible. Unknown if the payments have been credited properly to the account for the last five months. 
XXXX XXXX XXXX XXXX XXXX, IL. XXXX XXXX XXXX XXXX XXXX, TX. XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX They are indeed very hard to locate since the transfers started in XX/XX/2018. Please have them send a complete payment history and provide access to the Internet. Please investigate the high interest rate of 24 %. Very concerned abut this situation!
Consumer complaint received 2023-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IL)

I applied for the extended Public Service Loan Forgiveness back in XXXX XXXX I received an email from Mohela on XX/XX/XXXX that my application had been received and to give them 90 days for it to be processed. It is XX/XX/XXXX and I still have not received any information regarding my application and it has not been processed. When I log in to the Mohela website it states they received my application on XXXX XXXX and application is being processed. How did they received my application both in XXXX and XXXX? I have been waiting for over 6 months to find out if my loans will be forgiven.
Consumer complaint received 2018-12-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (NV)

I received a phone call from a Debt collector from Colorado ( phone # XXXX ) and I asked them to Stop calling. ( They've got the wrong person!!! The XXXX calling Itself XXXX with XXXX XXXX called me back and left me a lengthy, DEMANDING message giving ultimatum that I should Call XXXX xt XXXX TODAY to talk to her! The XXXX said this message is for " XXXX XXXX ''. I am NOT that XXXX they are looking for, This is NOT XXXX  or XXXX XXXX # there may be a Last name resemblance but not all XXXX XXXX XXXX are the same! They probably dug my # from the Internet thinking I am related to the debt owner that did not pay it's debts. I have a perfect credit with 800+ score and pay my bills on time, I don't owe anybody jack! This XXXX  better STOP BOTHERING ME and calling my Cell repeatedly for some XXXX XXXX debt. I am Not providing my address or email or phone number in the required fields as I don't want the debt collectors to access my other personal contact Info and gain more ways to contact and harass me. This is a Complaint to let you know that the WRONG person is being Harassed by debt collectors..
Consumer complaint received 2022-07-18
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: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting act ; XXXX XXXX, XXXX, has violated my rights with an unauthorized inquiry on 11/12/21. 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.
Consumer complaint received 2022-03-20
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: EQUIFAX, INC. (FL)

Equifax, XXXX, and XXXX are reporting my student loans from XXXX and XXXX late from 2018 and I wasn't this has been plaguing for four years and it's preventing me from getting a house I need this resolve asap their not following their own rules when it comes XXXX time status and responding with the correct information
Consumer complaint received 2022-03-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

For the last year and 1/2 I have been disputing incomplete bankruptcy reports on all three of the bureaus. Relative to in my frustrating I decided about a few months ago to take it up notch and dispute with the furnisher XXXX XXXX. With ease and appreciation, they remove the files without hesitation. They sent me a complete report of the investigation reflecting removal. Right along with a copy that I sent a copy of letter with court in questions stating they did not verify said entries to the bureaus. 
With frustrating the said they were verified after their investigation, ask for verified proof of such thing. Honestly with continue frustrating they gave me nothing at All. 
Further got document for XXXX XXXX  update of my report where they could look on it, on top of that hard copy of the page stated THERE ARE NO BANKRUPTIES REPORTED. 
Sorry for my yelling for moment. they still did nothing. They totally still to refuse even a brief description on how they come to this conclusion. They get continue to make tell lies and commit fraud on my ACCOUNT. I have gotten continued amount of denied credit because of Bankruptcies that do not belong there.
Consumer complaint received 2023-03-10
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. (IN)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2022-07-18
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: EQUIFAX, INC. (FL)

I contact these companies to ask why my credit was ran and that my identity was compromised and that i have a ID SECURITY ALERT on my ssn .... and ask them to remove them ... .see below... and no one responded at all 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 2022-07-18
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. (OH)

In accordance with the Fair Credit Reporting act ; XXXX XXXX XXXX XXXX, has violated my rights with an unauthorized inquiry on XX/XX/22. 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.
Consumer complaint received 2022-03-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bread Financial Holdings, Inc. (NJ)

I called to have this debt removed from XXXX and XXXX they said they would remove it because i cant pay it off XXXX  deleted it but XXXX and XXXX keeps telling me they will remove it and havent yet dont know what else to do
Consumer complaint received 2018-12-29
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: EQUIFAX, INC. (VA)

XXXX XX/XX/XXXX - XXXX XX/XX/XXXX XXXX XXXX have inquiried hard pull in from my credit report with out my authorization and it's affecting my credit.
Consumer complaint received 2018-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CO)

A friend of mine wired {$1000.00} into my account on XX/XX/18 - and Wells Fargo charged ME a {$15.00} " wire transfer '' fee! 
I'm quite sure WF charged my friend a transfer fee as well ... but why would they charge ME a fee when HE initiated the transfer!? 
What scumbags these people are ... Wells Fargo 's recent {$570.00} million fine has obviously NOT deterred their criminal behavior.
Consumer complaint received 2023-03-29
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. (CA)

I reviewed my Consumer Reports and noticed that I had a late payment on XX/XX/2022 XXXX XXXX  XXXX .... account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account : XXXX XXXX XXXX .... Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late
Consumer complaint received 2022-03-20
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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2022-03-20
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. (MD)

Please see the attached forms. I have been calling all XXXX, Equifax and XXXX and they have not been very helpful. I have inaccurate information on my credit report and I would like for all inquires and derogatory marks to be removed.
Consumer complaint received 2023-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I opened an account with Bank of America in XX/XX/XXXX. I had recently started my new business within a year ( XX/XX/XXXX ) of opening an account with BOA. I was provided a business credit card and a personal credit card which when looking at the statement, it combined the 2 cards with providing the credit card balances and the total credit limit. I mistakingly made payments to the business credit card verses the personal credit card account which led to a 30 day late. I called BOA to explain that it was an oversight on my part and I immediately paid what was due for my personal card. I verbally asked if this could be forgiven as the statement was confusing. The said they would submit a request for it to be removed. I made several phone calls since that time and have rejected my request for removal from my credit report. I have an excellent record of paying on time.It is now causing me a financial hardship for my new business as it is driving down my credit score and lenders are refusinf to consider me for a loan because of the 30 day late on my 3 credit reports. BOA refunded me the {$29.00} late fee with ease. The time frame is from XX/XX/XXXX to the current month of XX/XX/XXXX. I am uploading documents I have available. I WANT TO CLARIFY, THE LAST TO PAGES OF THE UPLOADED TBOA DOCUMENT IS TO SHOW THAT THEY ARE REDUCING MY CREDIT LIMIT TO MY BUSINESS CREDIT CARD DESPITE MY ON TIME PAYMENTS ( THIS WAS JUST AN EXAMPLE TO SUPPORT THAT I BELIEVE I AM BEING TREATED UNFAIRLY ) I ONLY WANT THE ACCOUNT NUMBER LISTED TO BE ADDRESSED in this complaint. Thank you kindly for your assistance.