davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-22
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

1 ) This complaint is regards to the Complainant 's property in the address of XXXX XXXX XXXX, XXXX XXXX, XXXX, MA XXXX wherein Bank of America has made the Complainant sign an Adjustable Rate Rider to his original first-lien residential mortgage but did not actually provide the Complainant with the rest of the body of the document. 2 ) This deceptive practice happened in XX/XX/XXXX and the mortgage was serviced by Bank of America until XX/XX/XXXX. 3 ) Complainant has filed at least 2 loan modifications for this subprime ( 12-month MTA ), negative amortization, pay-option mortgage to Bank of America as were mediated from Complainant 's separate complaints submitted around that time through the Massachusetts Attorney General 's Consumer Protection online complaint system but no HAMP modification was awarded. 4 ) Several public documents in XXXX County Land Court Registry of Deeds had since then appeared that attests to the fact that Complainant 's mortgage is fully-paid off because the mortgage was made to be part of XXXX XXXX, XXXX XXXX XXXX XXXX. 5 ) Bank of America. upon acquiring Countrywide Home Loans in XX/XX/XXXX, can not deny that it is the Master Trustee and Depositor of said XXXX from full-acquisition of XXXX, XXXX and it also now serves as the Master Servicer for mortgages within that XXXX. 6 ) It appears from records available in mortgage statements and litigation records that the Complainant 's Mortgage of $ XXXX has been fully-paid off through participation in the XXXX by the time that Bank of America made the Complainant sign just the Adjustable Rate Rider portion of a mortgage instrument it offers. 7 ) Bank of America did not disclose the actual mortgage since XXXX and the Complainant is now showing cause in several other separate legal complaints, including the one attached herewith for the entire Condominium building at XXXX XXXX XXXX, XXXX, MA XXXX. ( See MA Division of Bank Complaint to Bank of America -- the Complaint form and its Exhibit 2, and not both Exhibits are provided here due to Credit Bureau records that appear in Exhibit 1. Bank of America will be recipient of the MA Division of Banks Complaint anyway ) 8 ) Bank of America has committed deceptive loan practices, and deceptive foreclosure practice against the defendant and should now fully-admit that it made the Complainant sign a Mortgage of Security Interest and Rent similar to the one attached here, because this is the only possible way that Bank of America can keep the Complainant 's mortgage within the XXXX XXXX XXXX wherein the participation cut-off date wasXX/XX/XXXX and it offered the Complainant an Adjustable Rate Rider to sign in XX/XX/XXXX and just kept referring to it as a " Certain Mortgage Instrument '' in Land Court records.
Consumer complaint received 2024-02-15
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: Experian Information Solutions Inc. (NV)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2021-10-27
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc. (UT)

I have no accounts with US DEPT OF EDUCATION/GLE. My student loans were with XXXX which are completely paid off and closed as of XX/XX/2021. US DEPT OF EDUCATION/GLE is reporting to XXXX when XXXX have no accounts whatsoever with them at all. Please US DEPT OF EDUCATION/GLE cease all reporting of this negative account immediately.
Consumer complaint received 2022-05-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Phoenix Financial Services LLC (NJ)

I called the job I worked @ and they got in touch with the insurance co which emailed me yesterday and it stated I was covered under insurance going back to 2017 and the office never submitted the bill for payment. XXXX also stated it is too late to send the bill now for paymentt. I emailed the response over to Phoenix Financial XXXX yesterday. I also called the credit agencies to get it off my report which dropped my score.
Consumer complaint received 2022-03-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

THIS IS A CONTINUATION FROM CASE NUMBER XXXX, I KNOW THEY FOLLOWED UP ABOUT DELETING THIS ACCOUNT THAT WAS FURNISHED INACCURATELY, WHICH THEY DID REMOVE THIS ACCOUNT. I AM SEEKING MONETARY DAMAGES BECAUSE AT THE TIME IT BEING FURNISHED I APPLIED FOR CREDIT AND I WAS DENIED BECAUSE OF THIS BEING FURNISHED ON MY REPORT. I AM SEEKING MONETARY DAMAGES AS SOON AS POSSIBLE.
Consumer complaint received 2017-08-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: SUNTRUST BANKS, INC. (GA)

On XX/XX/XXXX, I got contacted by someone name XXXX XXXX, who says that the is an editor of the online magazine website, XXXX ( XXXX ). On XXXX, XXXX XXXX is known as " XXXX. XXXX, '' but I was curious if this was the same XXXX from that website, or not. Because I am a XXXX, he said that he saw my information on a website called XXXX, for which I am not a member of that website. He gave me details for a XXXX XXXX, which the deadline is on XX/XX/XXXX, which will pay me {$2000.00}, but an advance pay of {$500.00} will be payed to me first. He also told me to email an agent name XXXX XXXX, with an email XXXX. When speaking with XXXX, he mentioned that I will have to pay him {$3300.00} dollars, for which I did n't have those type of funds, which made step away from being the XXXX. XXXX then told me, that I will be receiving an advance pay of {$3800.00} dollars, which according to XXXX, I had to pay {$3300.00} to XXXX. Once I received the check on XX/XX/XXXX, I made a mobile deposit of the check. The funds were on hold for several days, until the XX/XX/XXXX. On XX/XX/XXXX, after checking my bank account, with the funds still on hold, now there is a pending on a return item of the {$3800.00}, leaving my account with overbalance of a negative account. I 've contacted XXXX to request a fraud on my credit report, I 've filed a complaint to the FTC, I 've contacted my bank to try and file a fraud affidavit, and the XXXX Police Department Major Frauds Unit, in regards of this. I 've yet to file a police report, as I 've noticed that I will need to gather up a bunch of evidence, before I could proceed with the report.
Consumer complaint received 2022-10-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CMRE Financial Services, Inc. (OR)

I had a missed call the morning of XX/XX/XXXX, I followed up out of curiosity and it was a person on the phone trying to get personal information from CMRE Financial Service. Multiple times throughout my first phone call I was aggressively to make payments on a {$1500.00} charge. After pressing I was informed by CMRE it was XXXX charges of {$1400.00} from XXXX ( The hospital in my area ) on XX/XX/XXXX {$140.00} from XXXX XXXX on XX/XX/XXXX The first charge is from a recent XXXX I had at the XXXX, I am in the process of financial aid paperwork and I confirmed all my charges are on hold. 

The second does not align with any services I have received and doubly I have recently ( last 6 months ) cleared my debts and credit report, a literal clean slate as described by my financial officer. 

Both of these circumstances threw up red flags for me and after so time on the internet directed me here. Attached, I have followed up with a Debt Validation Letter via email to the company after a final phone call. They directed me to use email or fax instead of a written letter and provided with the contacted email. I have also attached a screenshot of the email in case the first attachment files type causes issues. 

My credit isn't great and I have had medical debt haunt me for the better part of my life, I have done my time, paid my dues, and I am finally in the clear. This is my effort to prevent these predatory practices to negatively affect me or others in the future.
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting XXXX XXXX XXXX for closed acct # XXXX to remove the wrongly and false accusation of a late payment prior of closing account. XXXX XXXX the payment was not late and proccessed prior to account closure date. this is affecting my credit report.
Consumer complaint received 2017-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

An unpaid outstanding balance for XXXX XXXX is listed on my credit reports : Experian, XXXX and XXXX, in error. I do not owe the amount that the credit bureaus are indicating. I ended my services with XXXX XXXX on XX/XX/XXXX and made my last payment, after verifying the amount due, on XX/XX/XXXX. I also verified on XX/XX/XXXX that no further balance was due. Then a couple months later I started to receive letters claiming that I owed XXXX XXXX {$270.00}.
Consumer complaint received 2022-03-24
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act : XXXX XXXX  Account # XXXX  {$450.00}, Has violated my rights.

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 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX, i tried to transfer money from my citibank XXXX XXXX to credit card ending by XXXX Via mobile app in the amount of {$1600.00}. 
On the first 2 attemps, it poped up with server technical error msg, payment did not go through. I tried another time, finally the transfer went through with confirmation #. However, later i found out the payments went tripled from my XXXX. Since the quite big thousands dollars, i asked to reverse 2 additional payments. Reverse not take out cash. However, it turned out that customer rep on message tool said i need to call in order to make a request. 
The purpose of designing Message tool is to reduce customer waiting time with call center. But it turns out not as convenient as it should be .... on XX/XX/XXXX around XXXX, Rep said they canot trace the the source of payment to XXXX  from my XXXX  by ( XXXX XXXX. Next, XXXX said she canot refund even though asking with supervisor .... being a Credit card great user for ober 15 years, This is so ridiculous to be told that i need to call in order to get immediate refunds what was caused due to your citibank app server connectivity since i only got one confirmation #.. 

It took me 30 mins on the line to be connected for live Rep. But she firstly said she only can send me a check. Am i gon na be the one victim of many suffering from your citibank technical issue? I only asked the extra payments which were transferred from your citibank checking account, not even any outside bank account nor any uncleared, potentially bounced check payment. You citibank treat customer 's bloody money as " XXXX '' ... that is thousands dollars not houndres XXXX. I need money for medical bills and foods. 
I am extremely disappointed about client experience and citibank policy and procedures violates FED fairness to all customers. I think citibank should no longer offer any credit product to any customer.
Consumer complaint received 2022-05-16
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. (FL)

XXXX - XXXX This account needs to be removed from my credit as it is affecting my credit and the company is not removing loan as this is not my account. It is showing on my credit as negative and needs to be removed.
Consumer complaint received 2022-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/XXXX. Chase fraud prevent contacted me by text message indicating a suspicious charge to XXXX XXXX in the amount of {$870.00} and asked if I made the charge. I replied that I did not. This indicated that they would not charge me and that they would cancel the card and send me a new one. They did cancel the card and send me a new one, but the charge still appeared on my next ( XXXX ) statement. I called customer service and they said they would remove the charge. It was credited on the XXXX statement. XX/XX/XXXX I got a letter from the fraud department indicating that my claim was denied because I had " received benefit from this transaction ''. I called the fraud line again to dispute it and they said they would reopen the case. They also indicated that XXXX XXXX had provided evidence that someone had provided sufficient information to validate the charge. I don't have their exact working on that. They did reopen the case, but a few weeks later ( XX/XX/XXXX ) I received another letter that the fraud case was denied for the same reason and that I would be charged the {$870.00}. 

Here is the complete text message exchange from XX/XX/XXXX. 

Chase XXXX  : We declined {$870.00} with card ending XXXX at XXXX XXXX XXXX XXXX. Was this you? Reply YES or NO. If yes, you will not be charged unless you try again. If no, we will close your card and send you a new one. Msg & data rates may apply. 

Reply : No Response : Thank you. We will close your card and send you a new one. If you recognize all other charges, you don't need to do anything else. If you see other charges that aren't yours, please call us using the number on the back of your card from XXXX to XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-16
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: Experian Information Solutions Inc. (FL)

I have made payments and still have the creditor reporting to my credit as late and affecting my credit score where i am not able to do anything with credit due to this accountXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have made payments and still have the creditor reporting to my credit as late and affecting my credit score where i am not able to do anything with credit due to this account- XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-24
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. (NC)

i keep telling eqifax to remove fraudulent accounts from my credit report. ive sent them multiple ftc id theft reports/police reports etc and they keep giving me different answers. today i sent them another ftc id theft report/police report, copy of driver 's license and social security card copy.
Consumer complaint received 2022-05-16
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. (AR)

Congress enacted the FCRA in 1970 to ensure the confidentiality, accuracy, relevancy, and proper utilization of credit reports. 15 U.S.C. 1681 ( b ). 

I filed a certified dispute with Equifax and it was mailed on XX/XX/XXXX, and Equifax received the letter on XX/XX/XXXX. In this complaint I requested that only my name, XXXX XXXX, be listed on my credit report to reflect accurate reporting and I produced a State issued driver 's license as proof of identification and Equifax is still reporting XXXX XXXX XXXX on my credit report as a former name which could lead to fraud because there are so many XXXX XXXX. I request that this information be removed or masked. This letter also included a dispute of bankruptcy information reported by XXXX, which included a XXXX XXXX Account which is closed which indicates that it is a bankruptcy account. XXXX has no permissible reason to report information, does not have my written consent to report and in fact I have opted-out of XXXX at XXXX twice. The bankruptcy court does not report information to any agency. This is an infringement on my right to privacy and continues to oppress me and is discriminatory. 

In addition, I mailed a certified letter on XX/XX/XXXX, requesting that Equifax send me the Sources and Report Recipients for Report # XXXX and " Description of Procedures for Reinvestigation '' for XXXX and all other disputed information ; Equifax received this request on XX/XX/XXXX. I received a letter today from Equifax saying that I can request a Description of Procedures for Reinvestigation for the disputes related to report # XXXX. Equifax has five days to provide this information to me and has failed to do so.
Consumer complaint received 2022-03-24
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. (TX)

I have reached out to all XXXX  credit bureaus XXXX, XXXX, Experian. I reached out to them regarding the charge off debts they were reporting i started this process XXXX XXXX. Within 30 days Experian will send back the debt is verified and updated. I never received a response from XXXX nor XXXX. I have requested XXXX for all of them to tell me how the debt was verified. I never received the information back. Which i have asked them to remove the incorrect information they are reporting because of my FCRA rights. Still no change in my report. This is hindering my character.
Consumer complaint received 2022-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (TX)

I have tried to withdraw my money from Truist bank but they refuse to let me due to them saying my account is under a review for a extended period of time. They won't provide me with any information to why my account is under review and blocked.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (VA)

Upon review of my credit report, I noticed some hard inquires that I do not recognize. Within each credit bureau, there are technicalities and some on multiple occasions. 

Experian : XXXX, XXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX : XXXX XXXX XXXX  XXXX dated XX/XX/XXXX and XX/XX/XXXX XXXX : XXXX, XXXX XXXX  dated XX/XX/XXXX and XX/XX/XXXX XXXX, XXXX  XXXX dated XX/XX/XXXX and XX/XX/XXXX I did not authorize these inquires. I believe I am a victim of fraud.
Consumer complaint received 2022-05-16
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: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 

XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX  Acct # 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 account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-03-24
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. (CA)

There are XXXX new inquiries that were previously removed and have appeared again. This first happened XX/XX/2022. I reported it and froze all 3 credit bureaus and Transunion removed them XX/XX/2022. They have appeared on my credit report again XX/XX/2022. How can I put a stop to this? Do I have to do something else in addition to freezing my credit?
Consumer complaint received 2022-03-24
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. (PA)

My name is XXXX XXXX and I'm submitting this complaint without any influence from any third party or agency. 
Please see attached documents and ID as it contains my full complaint and request.