davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (FL)

A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : Account XXXX Collector : XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Unpaid Balance
Consumer complaint received 2022-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was charged two late fees by Bank of America in XXXX and XXXX of XXXX. 

In my XX/XX/XXXX statement, a late fee of {$35.00} was charged for no payment in XX/XX/XXXX. I had made a payment in XXXX but according to Bank of America, it was received a few days after the due day so I was assessed the fee. According to XXXX, my payment was processed on XX/XX/XXXX. I had never been late in prior months and assumed it was because of a processing issue at the bank or human error - mine or other. I asked Bank of America if they consider waiving the fee as a courtesy and I was told no as my payment was late. 

In my XXXX statement, a second late fee of {$35.00} was charged for XX/XX/XXXX. According to Bank of America- my payment of XX/XX/XXXX, was applied to XX/XX/XXXX, not for XXXX. 

I contacted Bank of America in late XXXX to explain how unreasonable it was for them to charge me two late fees when I had made a payment during the period. After several calls, I closed my account, paying the balance in full minus the two late fees. I had offered to pay one late fee but not two. I did not receive a subsequent statement and no longer had access to the account through the online portal, and as instructed tore up my cards. 

In XXXX and XXXX, I continued to receive emails about the {$70.00} plus interest but no statement. 

On XX/XX/XXXX, I made one last attempt to resolve the issue with Bank of America. I was told they could not waive the fees and interest because there was {$5.00} remaining on the account that needed to be paid. I paid this amount while on the phone with Bank of America. I was told the two late charges totaling {$70.00} and associated interest would be returned, bringing the account to zero. 

In XX/XX/XXXX, I received an email requesting payment of the {$70.00} plus interest. I called Bank of America, I was told that after a second review, they had decided against returning the funds, even though I had been told otherwise. 

All the while, Bank of America is reporting my account as past due, which is adversely impacting my credit.
Consumer complaint received 2023-07-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc. (OH)

Sponsored account for teen. Teen lost card and phone. Unable to use sponsored account. Stranger sending pay requests to account. Cashapp not concerned. Not allowing parent to close account sans starting balance is now deceased by small amount but decreased. Cash app not helping me. Told me to create a second sponsored account to do s transfer then couldnt do the transfer. Today can not hello at all will email me later
Consumer complaint received 2024-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: NEW YORK COMMUNITY BANCORP INC (TX)

On XX/XX/XXXX I submitted an application for Mortgage Payment Relief. I called the following week around XX/XX/XXXX to ask about the status of this application. I spoke with XXXX XXXX, a dedicated agent, who advised me that the application was received and that I would receive a letter outlining trial modification terms. I asked if I should proceed with the XXXX payment while waiting on this letter and he stated that no I shouldn't make a payment and instead I should wait for the final response outlining the modification. He stated that there would be no negative credit reporting or past-due payments. On XX/XX/XXXX I was notified that a late payment was reported on my credit report. I immediately made the payment. I submitted with XXXX a Credit Reporting Review Request to fix the erroneous credit reporting which was later denied. I was truly misled by XXXX regarding this entire process.
Consumer complaint received 2022-01-26
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. (DE)

Hello my name is XXXX XXXX ; I am writing to delete/remove the following information in my file. The items I need deleted/removed are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted/removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete/remove the items as soon as possible.

Based on, 15 U.S. Code 1681c2 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 after the date of receipt.

It has been 30 days and you are in VIOLATIO
N of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Consumer complaint received 2021-04-14
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO Bank, N.A. ()

On XX/XX/2021 mortgage was paid in full. On XX/XX/2021 a mortgage payment of {$860.00} was withdrawn from our account causing an overdraft. The bank was called and the mortgage paid in full on XX/XX/2021 was acknowledged. I was directed to discuss the matter on XX/XX/2021 with the mortgage company. They directed me back to the bank as there was no longer a mortgage and they did not do the withdrawal. I called BMO Harris and was then directed to my bank in XXXX XXXX AZ. I asked for the Manager XXXX ....? and was told she was busy and would call back. This was XX/XX/2021. A gentleman called me back. I explained the situation and the now updated account with an additional {$36.00} overdraft charge. He told me this would be taken care of, and within the next 48 hours the Overdraft would be reversed and the {$860.00} would be returned to our account. On XX/XX/2021 nothing had been corrected. I again called BMO Harris in XXXX XXXX and asked for the manager - XXXX ...? I was told she was busy and would get back to me. The same gentleman called and said the correction and overdraft would be corrected in 72 hours. On XX/XX/2021 there are now overdraft charges to the sum of {$56.00}, the payment has not been refunded and the manager is out of the office. 
I want the payment returned and all Overdraft charges reversed. I do not understand where this money would have gone as there is no mortgage account to pay? Is this theft? Fraud? I am not sure. A simple computer mistake because of dates is acceptable. This has gone on far too long to be more than a 'clerical ' error - in my opinion. 
XXXX XXXX
Consumer complaint received 2022-12-01
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. (LA)

I have inquiry That I know nothing about ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-01-26
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. (CA)

Last year I discovered a false account with XXXX XXXX and XXXX XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX and XXXX XXXX XXXX  denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX and XXXX XXXX XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Consumer complaint received 2022-01-26
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. (CA)

Last year I discovered a false account with XXXX XXXX and XXXX XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX and XXXX XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX and XXXX XXXX XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Consumer complaint received 2021-03-09
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (OR)

Mortgage servicing bank for my home loan debited my checking account for my {$2200.00} XX/XX/2020 automatic ( EFT ) mortgage payment but did not apply the payment to my loan account. Without notification or explanation, the mortgage bank then returned my XXXX mortgage payment by mailed check in XXXX of 2020. 

The mortgage bank then reported, without notification to me, to all major credit reporting agencies that my XX/XX/2020 payment was past due by over 30-Days. This resulted in a drop in my credit score of over 100-Points that is now preventing me from getting a new loan at the lowest interest rates.
Consumer complaint received 2022-12-01
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: EQUIFAX, INC. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2016 ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00}.
Consumer complaint received 2024-03-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (NY)

I recently did a dispute on my SoFi Bank for fraud on a transaction with XXXX over $ XXXX was pull from my bank into tradestation it was an unauthorized transaction, I have an trade station account but I never used the platform I login once on a public library computer and that was it. 
SoFi I got me my money back, but now they freeze my account claiming I have to wait and holding my money against my will. I have a Son mom and wife to take care of. That money in my account was originally from my taxes. Now Im not able to access my money, Im writing this complaint because I seen people in the past have waiting months and they account have not been unfrozen I cant wait that long, I need SoFi to either unfreeze my account or write me a check with my money please.
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (TX)

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  Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-01-26
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. (CA)

Last year I discovered a false account with XXXX XXXX and XXXX XXXX XXXX  reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX and XXXX XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX and XXXX  XXXX XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Consumer complaint received 2022-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX  Account Number XXXX Balance : {$12000.00} Date XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. 

XXXX XXXX XXXXXXXX Account Number XXXX. 
BAlance {$4300.00} DAte XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. 

XXXX XXXX XXXX XXXX Accouint Number XXXX Date XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. 

XXXX XXXX  XXXX Account Number XXXX Date XXXX Balance {$7500.00} This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. 

XXXX XXXX XXXX Account XXXX Balance {$2200.00} Date XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. 

XXXX XXXX XXXX  Account XXXX Balance {$2000.00} Date XXXX XXXX XXXX XXXX Account XXXX Balance {$1700.00} Date XXXX XXXX Account Number XXXX Balance {$3500.00} DAte XXXX
Consumer complaint received 2022-01-14
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. (GA)

I'm writing this complaint to address a response that I received from XXXX XXXX via mail. I submitted a complaint to the CFPB about XXXX Bank obtaining my consumer report without a permissible purpose or consent from me the consumer. this is my final attempt to settle before I escalate this matter to arbitration. XXXX Bank has in fact admitted to being guilty of 1 count of obtaining my consumer report under false pretenses and without consent from me the consumer. XXXX BANK obtained a copy of my consumer report under false pretenses I never gave them written consent to obtain my consumer report. On XX/XX/2021 they pulled my consumer reporting causing my score to drop tremendously. They used my identifying information without my consent to obtain a copy of my consumer report from Equifax. XXXX bank committed identity theft pursuant to 15 usc 1681 ( a ) ( q ) ( 3 ). The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. Pursuant 15 USC 1681q, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. XXXX BANK ( XXXX XXXX XXXX ) obtained my consumer report under false pretenses and without written consent and have admitted to this crime in their response to my complaint and they shall now be held liable. They responding letting me know that they asked the CRA to update the inquiry on my report, but there still was no permissible purpose or consent given to them from me the consumer to obtain a copy of my consumer report. they were supposed to conduct a permissible purposes audit but have failed to do this and provide me with any results. This unauthorized inquiry damaged my consumer report and they are now Criminally and civilly liable. Pursuant 15 USC 1681n ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; XXXX bank is in violation of 15 U.S. Code 1681q and 15 usc 1681b ( 2 ) and 1643 of this title unauthorized use of a credit card which is defined as my social security number. under title 15 usc 1602
Consumer complaint received 2022-01-26
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (SC)

I have submitted a few requests to Experian to delete an account on my report ( XXXX XXXX XXXX XXXX ), which has inaccurately reported my scheduled payments and Payments made. These disputes were resolved XX/XX/XXXX and XXXX stating the same outcome ; that they find the information to be correct. Which is not accurate because I submitted to them the proof of my paystubs which indicated the payments being made, verses what the company was saying, and it did not add up. I explained that my payments were late due to financial hardship of COVID, however I still made payments, but they were not as late as they indicated ( 30-60 days ). XXXX informed me that the account would be closed and deleted upon my payment to payoff the debt. Which I did, but they did not keep the agreement as it is still on my report. Experian is the only credit bureau still holding onto this account. I contacted XXXX directly and they stated that they could not delete the account because its passed over. But why did they tell me they would if they couldnt? They keep resolving the issue rather quickly it seems without looking into or caring about the evidence that disputes the companys claims. The inaccuracy of payments also resulted in my overpayment to the company in which I had to be refunded.
Consumer complaint received 2021-04-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NOVAD Management Consulting, LLC (NJ)

After doing a loan modification we received an approval but the payment was too high for us. To save our credit we decided to do a short sale with XXXX. When we began this process we were less than 4 years behind on the mortgage. XXXX took forever to work out our short sale and then they transferred the loan to XXXX XXXX owner of the loan is HUD ). We then had to start the process all over again. 

HUD recently denied us stating we are 40 months past due so they wont review our short sale. XXXX did an appraisal which came in at {$470000.00} three months ago and the offer is a full price offer which is {$470000.00}. HUD has denied giving us proof of this 40 month rule saying its an internal rule and there is nothing on paper. Even if this so called rule does exists, the basis of it makes no sense to all parties involved, included HUD. 

The short sale has been in process for 2 years. The bank has done several appraisals showing value of XXXX. The offer is {$470000.00}. The buyer has stayed around through delay after delay and has a family which they were trying to place in the home and in the school system. Why would HUD want to waste tax payer money to take a home in which they have an offer at the the current value of the home? We understand the borrower is behind and he is trying to do everything to avoid a foreclosure. There is no justified reason to let this house go into foreclosure when we have such a solid offer, again, at the market and bank value. 

HUD will have to evict the owner after a foreclose and then resale the house which could take a few years and will end up with a potential offer lower then what we have or at the very least equal to it. After taking into consideration fees, costs and expenses over the next 12-18 months HUD will take even more of a loss then they have which in turn will cost tax payers even more money that can be avoided. We have a strong buyer who can close within 45 days of short sale approval. Please have this decision overturned and approve the short sale. 

( XXXX ) XXXX case # XXXX. This is the contact information we had and spoke to several reps.