davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-09
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/XXXX and XX/XX/XXXX fraudulent withdrawals were made on my Bank of America ( BofA ) Nevada Unemployment Debit Card, totaling {$1900.00} I contacted BofA in order to report the fraudulent activity. They proceeded to close my account and mail me a new debit card. Upon receipt of the new card I learned that it had already been closed due to a fraud report on my account. I also received a letter from BofA dated XX/XX/XXXX which states that my fraud claim has been closed. 

Upon contacting BofA I was informed that I needed to contact my " sponsor '' ( Nevada DETR ) to verify my identity in order to reopen my account.

I contacted Nevada DETR and sent all identity validation documents necessary to reopen my account. 

My debit card account with BofA is still closed and I am unable to receive any weekly unemployment benefits ( my only income ) until the account is reactivated. BofA refuses to look into the matter, and also refuses to investigate my fraud claim or reimburse my stolen funds ( {$1900.00} XXXX. 

The funds were ALREADY on the the BofA debit card, and I believe it is their responsibility to investigate the claim in a timely manner.
Consumer complaint received 2021-04-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NY)

I am a member of Class Action captioned XXXX vs. XXXX XXXX XXXX  and they have just settled for {$91.00} XXXX which covers my mortgage account number XXXX transferred from XXXX to transferee servicer Shellpoint/ New REZ Financial. Now Shellpoint has chosen to propound the XXXX violations committed during my loss mitigtion application, which now Shellpoint is interfering with " interest padding '' of over {$280.00}, XXXX above the unpaid principal balance of {$510000.00}, and by dishonoring a SNPO ( short note payoff ) approval in the sum of {$20000.00}
Consumer complaint received 2021-04-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

WARNING. Acct numbers XXXX. Was CHARGED OFF from orginal creditor XXXX XXXX XXXX. MDS can NOT collect a debt from an already CHARGED OFF account. If MDS dont own the account they can't collect a CHARGED OFF debt not owed to them. Please remove this off my credit report immediately. I will seek my state and the state of Florida attorney general if not removed immediately.
Consumer complaint received 2019-07-29
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Google Compare Credit Cards Inc. (WI)

On XX/XX/2019, I received an email regarding a debt I forgot I owed to XXXX from XXXX XXXX at XXXX XXXX XXXX. They stated I have an outstanding balance and gave the amount, then gave information on how to log in and resolve my balance. 

This wouldn't have been a problem, however, in this email, they CCed 15 other email addresses. Some of these email addresses were ones I used when I was XXXX years old,  which I have not touched for decades. Some were to family members. Others I did not recognize at all. 

This is a major violation of my privacy and I am overwhelmed and mortified that this information was released without my consent.
Consumer complaint received 2022-01-26
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LTD Financial Services, L.P. (CO)

The basic complaint is that the property manager did not provide a legally acceptable unit with livable conditions and did not rectify the situation in a timely and legal manner. The events are as follows. 

On XX/XX/2020, we emailed our contact at XXXX, XXXX XXXX, that we found bedbugs. 

XX/XX/2020 it was acknowledged. 

XX/XX/2020, six days after the initial complaint was sent, an exterminator came to our apartment to spray pesticides within the home. Two further visits, the last of which came on XX/XX/XXXX, one month after the initial complaint, did not satisfy the bed bug problema and it continued to persist causing extreme emotional and physical problems. 

According to Colorado Law 38-12-1002 ( 2 ) : " Not more than ninety-six hours after receiving notice of the presence of bed bugs or the possible presence of bed bugs, a landlord, after providing notice to the tenant as described in section 38-12-1004 ( 1 ) ( a ) : Shall Obtain an inspection of the dwelling unit by a qualified inspector. '' This is a clear violation of the law as more than 96 hours had elapsed. A full week had lapsed with my family living in a health and safety hazard. In addition, the bed bug problem was not sufficiently resolved, as multiple extermination sessions were placed causing extreme inconveniences for not only ourselves, but our pets as well. 

Furthermore, the exterminator advised us that the building ( not our unit specifically ) was dealing with a bed bug problem for quite some time. He did not reference a specific date, however, considering we just moved in a few weeks prior, we took this to mean longer than two weeks. 

After hearing this information, I sent another email to the leasing office dated XX/XX/2020 requesting eight months of history regarding bed bugs in our apartment. This information is legal requirement per HB 19-1328 in which : " A landlord shall not offer for rent a dwelling unit that the landlord knows or reasonably suspects contains bed bugs ... .Upon request from a tenant or a prospective tenant, a landlord shall disclose the last date, if any, on which a dwelling unit being rented or offered for rent was inspected for, and found to be free of, bed bugs. '' I received no response to this email until eighteen days later from XXXX XXXX that there are no prior records in our apartment, nor any other apartments. This contradicts what we heard from the exterminator. 

We conclude that the landlord did not comply with state law and get an inspection done within the required 96 hours while also providing substandard and ineffective resolutions. Therefore, in the interest of the health and safety of my family, and at great personal cost, I terminated our lease and moved out.

Now the property manager and ltd financial services are trying to collect a debt that we find to be illegal.
Consumer complaint received 2019-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Cascade Creditors Service, llc (WA)

I received information from XXXX XXXX via email on XX/XX/XXXX about an account that had been co-signed for. The information provided showed a co-signer agreement that I signed, however it was dated from XX/XX/XXXX to XX/XX/XXXX. I reviewed the documents provided and I responded on XX/XX/XXXX that the information showed that the co-signer agreement was invalid based on the dates showing. The other piece of information according to this agreement that I want to include was that the co-signer agreement was only for the terms of the lease which was for one year. The debt that they are attempting to charge me for was from a charge on XX/XX/XXXX. I never signed anything agreeing to co-sign anything beyond the initial lease term. I also want to point out that initial co-signer agreement was invalid. I made them aware of that and they never replied further. I was not aware this was on my credit report until XX/XX/XXXX and I have disputed the charges with the credit bureaus as well.
Consumer complaint received 2024-05-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NC)

I have had previous accounts with Transworld Systems. I have paid off most of those accounts and am disputing the rest. Firstly, months ago I went to schedule a doctor appointment and was told I could not because I owed a debt transferred to Transworld ( AKA TSI ). After weeks of calls, they first said there was no such account and all debts were paid. After contacting the doctor multiple times, weeks later TSI called stating they just recieved the old closed account AGAIN from the doctor and now they want payment. That is why the dispute has been started. I have no payment arrangments with them and absolutley no debits authorized from them. Now to the important part : a couple days ago I checked my business bank account and noticed a draft of {$400.00} to Transworld Systems. I searched the account and found another draft of {$400.00} from about a month prior. I immediatly contacted my bank and issued a stop payment. After XXXX minutes on the phone with TSI and talking to multiple reps, they are insisting that they did not make the drafts and suggested I make a police report. These were XXXX transfers meaning they used my bank account number and routing number.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

CAPITAL ONE Account XXXX 15usc 6801 Protection of Non- Public Information CAPITAL ONE has violated my rights and failed to protect my information by sharing my personal information with 3rd parties without my consent.

15usc 6802 Obligation with respect to disclose personal Information. There are XXXX disclosure forms that I have not received. 
1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party 2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party 3. The financial institution giving me an explanation how to exercise the non-disclosure options 15usc 6802 Disclosure of Institution Practice Policy CAPITAL ONE did not clearly and conspicuously provide the disclosure forms.
Consumer complaint received 2023-07-06
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: Mr. Cooper Group Inc. (NC)

Mr. Cooper Nation Star has incorrectly reported several months on my credit report as late. I have disputed the late payments and they have since then been corrected for some but not all. My mortgage payments are still showing late for XX/XX/2022, XX/XX/2022, and XX/XX/2022. XXXX had fixed the issue and took the late payments away but they popped back up. I put in several disputes for all 3 bureaus and they told me they would be corrected however they are still reflecting on my credit report. I have also been told that I would get calls back within 48 hours and have not received any calls back and have had to call back each time being told that I have to start restart the process because they couldn't find the information in the system. Currently, I am needing XXXX and XXXX reporting to be corrected. There seems to be no stream line for effective communication and this is affecting my credit report/score. The costumer service as been awful & exhausting.
Consumer complaint received 2022-01-26
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

im writing this complaint to to address PORTFOLIO RECOVERY to collect an alleged debt owed by me. This company has obtained my personal identification under false pretenses. I received a XXXX complaint that this account would be removed within 30 days. it has been over 90 days. this debt is damaging my credit report. PORTFOLIO RECOVERY is a debt collector pursuant to 15 U.S. Code 1692a ( 6 ) and has violated my right to privacy by committing identity theft. 15 U.S. Code 1681a - Definitions ; rules of construction ( q ) Definitions Relating to Fraud Alerts. ( 3 ) Identity theft. 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.PORTFOLIO RECOVERY has never received written instructions from me authorizing the furnishing of any information to third parties in violation of 15 U.S. Code 1681b.Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
Consumer complaint received 2022-01-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

NationStar/Mr Cooper I paid my mortgage in full on XX/XX/XXXX I called on XX/XX/XXXX to inquire as to why I had not received my escrow check I was told it was mailed on XX/XX/XXXX and I should have received it. 
I was told a stop payment would be placed and issue a new one. I requested it be sent express mail and was told it would be. 
On XX/XX/XXXX I still had not received the check so I called again. 
I was told a new check had not been issued but due to the circumstances a direct deposit would be done to my account by XX/XX/XXXX I was asked for my routing number, account number etc. 
Today XX/XX/XXXX the money is not in my account. 
I called again and was told no money was direct deposited that would require me to send a voided check. Was also told on XX/XX/XXXX a request was put in to have a check cut and mailed to me. 
I asked to speak with a supervisor but was told there is not one. 
Also told it will take XXXX hours for check to be cut and XXXX days to receive in the mail. 
By law my escrow is to be returned in 30 days. They have confirmation that although they cut a check, I did not receive it and they are in default. 
I am terribly dissatisfied and have gotten a different story each time I call.
Consumer complaint received 2022-01-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I woke up to my bank ( capital one 360 ) holding withdrawals for funds in my checking and savings account. 
I called and asked why this was and they said I had a high volume/risky XXXX  AND that someone XXXX me and claimed fraud. I did not recognize the name of who XXXX me and they were NOT IN my phone contacts when I asked why would they have not just returned the money the and let me know about it they proceeded to accuse ME of using XXXX for family and friends when all of my XXXX transactions are sent to solely family members thats are SAVED IN MY CONTACTS. THEY proceeded to tell me my account was closed and did NOT give me any information on when I will receive the money both in my checking and saving account. I proceeded to call multiple times to find out when I will receive my money, they then switched the story claiming We are still investigating but your account IS STILL CLOSED aswell we have no time for when the investigation will end and you will get your money.
Consumer complaint received 2021-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY (WA)

On Tuesday, XX/XX/2021 I tried closing my Wells Fargo credit card after fraudulent charges were made on it for the third time. I was told I could not close the account and would be issued a new card instead. The card was not deactivated and {$1000.00} was accrued onto the card. When I called again on Thursday, XX/XX/2021 to cancel the account and file a fraud claim with Wells Fargo credit card company, I was again told that I could not close out my credit card account.
Consumer complaint received 2021-04-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

PayPal has {$2800.00} of my money in their account. They have placed limitations on my account. I have clicked through the resolution center and complied with what they are asking for. I have tried to use their messaging system. It is a bot. I left messages for the company but have not received a reply. I have called and waited on hold in excess of 2 hours. No one answers. I want my account freed so that I can collect my money that they have held for a long time. I believe they are making this purposefully difficult and that they must have some responsibility to reply to a customer whos assets they have locked and are holding. Please help.
Consumer complaint received 2022-01-14
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. (CA)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX - {$20.00}, XXXX XXXXXXXX XXXX - {$91.00}, XXXX XXXXXXXX XXXX - {$110.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$310.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$8600.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$1100.00}. Inquiries : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-05-29
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: SYNCHRONY FINANCIAL (FL)

I had an Ashley 's Store card added to my credit report which was done falsely. Synchrony Bank took me to court and failed to prove the account was mine in front of a judge so the case was dismissed ( court documents attached ). I have repeatedly asked for the account to be removed from my credit files, XXXX, XXXX and XXXX and Synchrony Bank has not completed this request. I spoke to XXXX in Fraud Investigations on XX/XX/XXXX and again two weeks later and he shared the account was already marked as closed and was marked to have it removed from my credit files back in XXXX. The investigation Synchrony did showed that it was not my account. Yet the account still remains and they refuse to remove it from my credit files.
Consumer complaint received 2022-01-26
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Freedom Mortgage Company (NY)

In XXXX of XXXX while I was on maternity leave, I experienced a 30 day late with Freedom Mortgage that was reported to the credit bureaus. During this time I was not being paid my XXXX benefits timely. Once the issue was resolved, XXXX paid me 9 weeks of missed XXXX XXXX payments ( {$970.00} each ) on XX/XX/XXXX which I then paid my XXXX and XXXX mortgage payments with to become current and up to date. 

XX/XX/XXXX - paid 9 weeks of missed payments ( {$970.00} each ) XX/XX/XXXX - transferred {$4300.00} into bank account that pays my mortgage XX/XX/XXXX - paid {$5200.00} to Freedom mortgage to become current VA preapproval for new mortgage was approved on XX/XX/XXXX, once we went to get the actual approval to move forward with purchase ( mid XXXX ) it was denied due to two 30 day lates within one year. I wrote Freedom mortgage the following goodwill adjustment letter on XX/XX/XXXX requesting the 30 day late be removed from XX/XX/XXXX. We are closing on the sale of our house XX/XX/XXXX and were hoping to be closing on the purchase of our new house on or shortly after that date but this is holding up the process. I appreciate anything you can do to help. Please let me know if there is any other information you need from me to have this issue resolved as soon as possible. 

To Whom It May Concern : Im writing this letter to express my gratitude as a long-time customer of Freedom Mortgage and to discuss a concern regarding my account. Specifically, I would like to discuss an item posted to my credit report regarding this account and request that it be revised. 

My account with Freedom Mortgage began on XX/XX/XXXX. Since that time, I have enjoyed excellent customer service and benefits and have been happy with Freedom Mortgage. I have also been a customer in good standing, paying my account in a timely manner. 

However, in XXXX of XXXX while I was on XXXX XXXX from XXXX XXXX, I experienced a 30 day late charge that was reported to the credit bureaus. During this time I was not being paid my XXXX benefits timely. Once the issue was resolved with XXXX Claims, they paid me 9 weeks of missed XXXX XXXX payments ( {$970.00} each ) on XX/XX/XXXX which I then paid my XXXX and XXXX mortgage payments with to become current and up to date. 

I wish that I was able to continue with payments in my normal manner during that time and regret that I wasnt able to do so. Following that personal issue, Im working hard to repair any damage done to my credit and personal financial life, and Im reaching out to you for support in that effort. 
Im asking that Freedom Mortgage give me a second chance at a fully positive credit history with your organization by removing the late payment mark from my credit report with all three credit bureaus from XXXX of XXXX. Please let me know if there is anything else I can provide to support you as you consider my request. 

Thank you for taking the time to consider this request.
Consumer complaint received 2016-09-13
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (NC)

I am opted out from receiving promotional offers of credit, and my credit reports are under a freeze pursuant to North Carolina law. 
Despite those measures, Citibank improperly accessed my personal credit report and sent me a pre-approved offer of credit. 
I asked Citibank to assist me in removing their unauthorized inquiry from my credit report, but they refused to assist me. Citibank provided no assistance in resolving this matter. 
Citibank obtained my personal credit report without my permission. I have no account with Citibank. I do not owe Citibank any money.
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IN)

I have already filed a complaint against XXXX XXXX. This is a debit buyer and you closed the account on this.The card is comenity XXXXXXXX XXXX in which they are Reporting the same on my credit as XXXX  are doing also in which this is against federal law and FDCA I have Called both neither will remove. 
2 parties can not report the same debit. 
And XXXX showed a spread sheet they didn't provide a contract with my signature.