davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I have been a customer at Bank of America for years. Checking, Savings, Credit Card, and even a mortgage at one point. For years the bill pay operated in the very predictable way of debiting my payments on the date set by me ( due date ) and these payments were all made through ACH. Without any notice, BAC started sending some payments ( randomly ) by paper checks causing confusion and delays in payments ( 2 or 3 weeks ). I believe this is designed to create fee income such as NSF. I have contacted BAC multiple times and have rudely been told that " the system chooses how to send the payments in the easiest way ''. Really?! So the " system '' thinks it's easiest to send my XXXX payment by paper check and the USPS, but it then sends my XXXX XXXX and other credit card payments by ACH, as it did for years before. The " system '' also now sends my XXXX, XXXX, Utilities, and XXXX XXXX payments by paper check instead of ACH. These are large financial and service entities and the " system '' thinks it's easier to send a paper check? 

I was told to delete the accounts from bill pay and then set them up again. I did that and nothing changed. I've never changed any payment addresses or account numbers. BAC did this arbitrarily and without notice or explanation. I was also told that I needed to verify with the payees that the address was correct in order to send through ACH. I did that also and when presented that information to BAC, it was confirmed the information entered for these payees was correct. At that point, I was told they couldn't explain why some payees were being sent paper checks and that " the system '' can not be changed. Really? Because it was changed after YEARS of going through ACH to paper checks. 

BAC actually has on the bill pay site that addresses are automatically updated by payees. Great. So why did you go from ACH to paper checks without any changes being made by myself or the payee? 

Clearly, BAC is using this confusing and intentionally burdensome process to increase the possibility of a customer slipping up and causing a NSF. It's a ploy for fee income. Otherwise, why can't they offer a reasonable explanation of why this was changed for some payees and not others, and why they gave no notification of this change until it caused NSF and I had to jump through hoops to find out what happened and why. Even then I was treated with indignance and complete disregard.
Consumer complaint received 2020-08-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (GA)

XXXX XXXX soon after my visit sent my account to collections without contacting me in writing after disputing charges. 
When I received the original bill i was being charged for Doctor I never saw. I disputed it with the hospital. I saw a nurse practitioner and was charged for XXXX XXXX XXXX XXXX XXXX when I received XXXX XXXX XXXX XXXX. It was soon after sent to collections. When I was contacted by collections I informed them my bill was incorrect and I asked for an itemized list. They told me I needed to dispute w/ hospital. They have now sold my account to Phoenix Financial Services LLC that is asking for a new higher amount.
Consumer complaint received 2020-08-02
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (MA)

I see multiple 90-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-08-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BYL Collection Services (WY)

Dear Supervisor, This is a medical debt that wasn't properly billed through established medical insurance. 
The host company called XXXX, XXXX. only billed XXXX and not XXXX XXXX XXXX XXXX XXXX for the remainder. This balance has to be billed as agreed with XXXX insurance after the XXXX part. This entire bill is indeed in " Dispute ''! 
So, the amount of {$190.00} is not a valid debt. Also, the BYL Collections Services, LLC. has been attempting to collect this during the Covid-19 national emergency. Please stop collections via phone and mail. Stop using improper collection practices. Bill the insurance company as required.
Consumer complaint received 2021-07-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (FL)

I applied and was approved for a refinance through Quicken Loans AKA Rocket Mortgage. I had to pay the appraisal fee of XXXX and was told by XXXX who was my point of contact through the process I would receive a refund for the amount if the loan was not able to go through due the company, I was informed on Monday XX/XX/2021 that they will not be able to provide the loan at the terms we initially agreed too and the other options were not in my best interest and the cost of the appraisal would not be refunded. I spoke with 2 escalation specialists who were not able to assist as I stated they should not request an appraisal until all the other paperwork comebacks as all clear and they advised they request it right away because it can take up to 6 months for the appraisal, meanwhile Rocket mortgage advised we would be able to close within 4-6 weeks.
Consumer complaint received 2019-01-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: MoneyLion Inc. (PA)

Spoke to numerous representatives in which I set up payoff amount early so my loan could be paid in full & not be reported 30/60 days late. They stated numerous times the membership was late but my loan wasnt & my credit report would not be affected. They lied. My report has listed 60days late in XX/XX/XXXX when the loan was paid off in XX/XX/XXXX. Also they refused to let me pay loan with another checking account which belonged to me. They refused to look into this matter when I reached out to them. They stated file a dispute
Consumer complaint received 2019-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear Consumer Financial Protection Bureau, CFPB : TRANSUNION CREDIT is refusing to make PROPER CORRECTIONS, AND CFPB HAS TO REGULATE XXXX XXXX XXXX THAT IS FALSELY REPORTING DELINQUENCIES ON XXXX XXXX XXXX ACCOUNT IN ERROR. I DO NOT OWE XXXX XXXX XXXX {$27000.00}, THE PAYMENT CONFIRMED RECEIVED AND POSTED TO XXXX XXXX XXXX, I WENT WITHOUT THE MONEY, AND THE FUNDS WERE AVAILABLE IN THEN-XXXX XXXX XXXX ACCOUNT. 

MOST IMPORTANT, I AM WRITING REQUESTING FRAUD ALERT ON MY CREDIT REPORT AND XXXX XXXX ACCOUNT, AND TO HAVE UNVALIDATED DEBT ( THAT I DO NOT OWE ) REMOVED FROM 3 CREDIT BUREAUS AND XXXX IF REPORTED ( REMOVAL OF {$270.00} DEBT BALANCE-XXXX XXXX ). 

I DO NOT OWE XXXX XXXX XXXX {$270.00}. I have included the payment history, and PAYMENTS HAVE BEEN FAITHFULLY AND TIMELY MADE WITHIN 10 days of the XX/XX/XXXX of each month since THE VERY BEGINNING ( initial purchase date of XX/XX/XXXX, XXXX-Saturday ). 

XXXX XXXX  AND XXXX XXXX XXXX is reporting my ACCOUNTS as delinquent when the account is NOT DELINQUENT NOR LATE ( A TOTAL OF 14 PAYMENTS TOTALLING {$11000.00} HAS BEEN PAID TO XXXX XXXX XXXX ON TIME AS SCHEDULED ). THE ADVERSE CREDIT REPORTING ( IN ERROR ) IS AFFECTING MY TRANSUNION CREDIT SCORE. Please have XXXX XXXX XXXX remove ALL DELINQUINCIES FROM ALL 3 CREDIT BUREAUS ( TRANSUNION, XXXX, AND XXXX ). Please Note : MY TRUE CREDIT SCORE IS XXXX ACCORDING to XXXX, and on XX/XX/XXXX, XXXX-Tuesday, transunion is reporting MY CREDIT SCORE AT XXXX? PLEASE TAKE CORRECTIVE ACTION. I HAVE BEEN LEGALLY ADVISED NO FURTHER PAYMENTS WILL BE MADE UNTIL THE CORRECTIONS ARE PERMANENT. IF I AM MAKING MY PAYMENTS ON TIME AND GOING WITHOUT THOSE AMOUNTS OF MONEY ( {$11000.00} ), THEN THAT SHOULD BE ACCURATELY REFLECTED ON MY CREDIT REPORT TO ALL 3 CREDIT BUREAUS. MOST IMPOTANT, XXXX XXXX XXXX HAS ALLOWED BANK FRAUD TO TAKE PLACE ( MISAPPROPRIATION OF MY AUTHORIZED FUNDS IN THE AMOUNT OF {$270.00} ) AND ARE TRYING TO EXTORT DUPLICATE PAYMENTS FROM ME. 

Sincerely and Respectfully, XXXX XXXX XXXX Phone : XXXX Email : XXXX XXXX
Consumer complaint received 2019-01-04
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

We are victims of excessive Mortgage Fraud. It appears Attorney 's, Judges, Bank Officials, HOA Members and MANY other agencies are involved. Fraud on both Personal and Commerical Property. The Fraud as led us into Bankruptcy. The Trustee is not doing his job but appears to violate every law in order to liquidate assets ILLEGALLY. The Fraud was uncovered my spouse during XX/XX/XXXX-XX/XX/XXXX. EVERYONE is trying to cover their tracks. IT IS PATHETIC. False Bankruptcy Claims are being filed. So, you can imagine who are involved. We contact companies to validate a debt, you CAN NEVER GET THE CORRECT INFORMATION BECAUSE IT IS FRAUDULENT or they will never file a claim, but payments have been made and stolen and the " CREW '' are continuously brainstorming ways to take us out financially, mentally, emotionally and physically continuously.
Consumer complaint received 2019-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MN)

I called on XX/XX/XXXX as I had a question on my mortgage. When verify my identity they asked for my mailing address I gave XXXX XXXX XXXX XXXX XXXX, MN. XXXX. They said we have a different mailing address I said I have never changed my mailing address. They said they received the change of address via USPS XXXX XXXX XXXX. This address change was changed by Chase on XX/XX/XXXX. They have sent mail to the address of XXXX XXXX XXXX XXXX XXXX, MN. XXXX. I reached out to the USPS and after several calls I requested in writing that the USPS did not have any change of address for me & he checked with XXXX & they have no record of any address change. I demanded that Chase send me a copy of the address change they received. They stated they can't do to other addresses. I stated black out the other address 3with only my address showing. They said they can't send per Management @ Executive office Chase XXXX XXXX. I asked if he contacted the person my my e-mail I received from USPS ( see below ). XXXX indicated he checked with their contact with USPS. Chase has compromised my identity. They have offered me free credit monitoring ( which is the least they can do ). Since they refuse to send me the documentation of their receipt of address change. It also took them 2 weeks to even change the mailing address back to XXXX XXXX XXXX XXXX XXXX, MN. XXXX. This has caused me undo anxiety, major stress and they told me they could not provide me compensation for their error. I am requesting your assistance in this matter. 

Change of address XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX   To XXXX Quick reply allReplyForwardDelete XXXX XXXX XXXX XXXX XXXX . XXXX XXXX, MN XXXX Dear XXXX, As I stated in the voicemail I left for you on XX/XX/18, I have searched our change of address system and there is no change of address for you out of XXXX. I also checked to see if there a change for you going into XXXX, which there was not. 

I also called the XXXX XXXX phone number to see if they have any record of that either, which they do not. XXXX XXXX is XXXX XXXX XXXX  XXXX data base that businesses use to be notified of changes of address. Since they do not have anything, I cant explain where your mortgage company got this information. 

If you have any other questions, feel free to give me a call. 

XXXX Consumer Affairs Associate XXXX
Consumer complaint received 2019-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2019, I deposited {$1900.00} cash, at the ATM drive through located at XXXX XXXX XXXX XXXX, XXXX Fl. XXXX, for which I did receive a receipt of the transaction and later discarded. On XX/XX/2019 upon accessing my account via mobile app. I identified that the transaction I made on the night of Fri. XX/XX/XXXX, didn't reflect on my account. After several failed attempts of speaking with a live banker at the mentioned location, I contacted BOA Customer Service and filed a complaint # XXXX, informing them of the above. I went to the extent of informing the agent that when I attempted to use the 1st ATM, it stated it was not accepting deposits therefore having to use the front ATM. Today, I received a notification stating that the claim was closed and while they were successful in locating the transaction, they could not locate the cash for this transaction. As a result the monies I was credited ( {$1900.00} ) will be taken from my account. This is absolutely unacceptable and needs further investigation i.e. video footage, copies of transactions during the time of my deposit etc. I've made many deposits at this bank location in similar amounts without incident. This is one error that can not be overlooked. Please assist with further investigation as this is a major error on BOA behalf. Regards
Consumer complaint received 2018-10-27
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: SYNCHRONY FINANCIAL (CA)

Discovered a credit inquiry ( Syncb/jcp Dated XX/XX/2018 ) that I don't recognize.I request that any document with my signature giving permission to access my credit report.
Consumer complaint received 2021-07-20
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: Experian Information Solutions Inc. (IL)

XXXX charged me {$810.00} for a item I never received and it is still on my credit report from Experian and other Credit Agencies 2 months later I've made several phone calls to the reporting Credit Agencies also to XXXX XXXX corrected that are on that end yet Experian and other Credit Agencies I still reporting inaccurate information after I told him over and over again that balance was incorrect they didn't investigate him and said it was accurate two or three times this is absurd legal actions need to be taken
Consumer complaint received 2023-05-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (TX)

I helped my fiancee get a loan for a car with credit acceptance corporation, the payments and loan amounts somehow increased, the term of the loan was extended, as was the payment amount, initially we signed an agreement for a total of XXXX at XXXX per month, however the last statement says XXXX dollars XXXX XXXX for XXXX years, I did not sign anything that says that, I dont understand how they can change the amount without my consent m
Consumer complaint received 2019-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GRANITE STATE MANAGEMENT & RESOURCES (NY)

I applied for a student loan for my XXXX. I was told by the student finance officer the loan will automatically go into deferment and will continue as long as she stays a XXXX XXXX XXXX at XXXX XXXX XXXX UNIVERSITY. From XX/XX/2018 to XX/XX/2018 Granite State Management took the account out of deferment causing it to reflect late payments, without my knowledge or good cause. I was told their system shows my XXXX is no longer in school. My XXXX has been a XXXX XXXX XXXX since initial enrollment. I was told I had to make another request for a deferment. I went to my XXXX  school and told them they need to notify the loan institution of the correct information so these late payments can be removed from my report.
Consumer complaint received 2018-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (TN)

I was a member of XXXX XXXX XXXX, TN for about 3-4 months. I paid through direct deposit and cancelled XX/XX/18 and even went up there in person and they told me I was cancelled and that I had no debt, but I have no proof they said that. They sent me a letter ( which I still have ) on XX/XX/18 telling me I owed them {$16.00} and that my cancellation date was, in fact, on XX/XX/18. I called them a few days after and they said they would delete the debt and that everything was fine. On XX/XX/18, I received mail from Aldous and Associates Law firm ( which is partnered with XXXX ) that they are a debt collector and that I owe them {$65.00}, but I didn't see the mail until XX/XX/18, because they didn't send it to my current address, because I am living on-campus. I called them on XX/XX/18 to tell them I wanted to dispute and they told me that they couldn't help me and to send them a written notification and that if I didn't have any proof, I would be out of luck, which is when I went searching for my original letter from XXXX. I am sending my dispute hopefully tomorrow with a copy of the letter.
Consumer complaint received 2019-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (AZ)

Never dealt with Wells Fargo ever. My situation is I was dealing with XXXX XXXX  in XX/XX/XXXX. & XX/XX/2018. I applied with this bank for a credit card so that later I could ask for a balance transfer upon approval. This is the banking style and credit card services that I have been accustomed to. Apparently, this bank has a whole other realm of procedures that they follow. I went in unaware and unprotected not knowing this. The methods they employ seem to set you up for errors. On the online application is an option for a Balance Transfer. I chose it, since I do not lie regarding my banking goals. I filled in the info for this transfer, only as a precursor of things to come as a request. I did all this based on what I did expect from a bank, not on what they would bind me to and impose upon me. All the while I wasn't feeling well. One thing led to another from thereon, as will be seen in my attached documents. When one does not feel well, the fine print doesn't seem important as some Terms & Conditions and options to cancel out, are discovered only after the fact of hitting the application " Submit '' button. From my correspondence to Wells Fargo, I do not believe they will yield in any way, nor in a compassionate stance. So, I implore this Bureau to do your best for me in regards to contacting them on my behalf, or other helps.
Consumer complaint received 2021-03-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (MD)

Comenity bank has called my phone nonstop for the last 3 weeks. From XX/XX/2021 to XXXX XXXX. They have called at least 7 times a day from unknown numbers. This is after I told them when to expect their payment. This is not acceptable I can not have my phone ringing 10 times a day for a debt that I made clear when I was going to pay. I also stated many times for them to stop calling from unknown numbers and to leave me alone. They have refused to do so, and have now started calling BEFORE XXXX.
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In XX/XX/XXXX XXXX XXXX delivered a bed to my home that was already savaged and I returned it the debt was unsettled and its still on my credit after seven years. I have asked three credit beraus to remove it only XXXX did after investigating the others didnt In XXXX my insurance did not pay my physicians and the Debt was bought by XXXX XXXX in XX/XX/XXXX after not reporting to me that this medical bill was out here they then place it on my credit on XX/XX/XXXX I paid the bill on that day because Im in the middle of purchasing a home. I asked the three beraus to remove it because its holding my progress up, XXXX   removed it but the other two did not. I would like to file a suit because I was not given a chance to pay the bill and it is against the law to place any debt on an individual credit if you can not provide documentation that you requested payment in a timely manner
Consumer complaint received 2019-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I had a XXXX XXXX XXXX account which was closed a long time ago as per my request and the bank reported it differently. After providing documents to Experian, they still reported it the wrong way as closed by credit grantor. When I finally reported it to the CFPB Experian did change the info. However, after a while, they changed it back. When I questioned them on it and asked them to use the same letter which was last time used to rectify it. They refused to correct and started a completely new investigation although this letter was already previously used to correct the matter. 


Here you see the same complaint and their false response XXXX-XXXX Submitted to the CFPB on XX/XX/2017
Consumer complaint received 2019-01-04
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. (OH)

I AM A VICTIM of ID theft I have several fraudulent addresses on my file that are not mine please remove the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX  XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX The following phone numbers are not mine please delete the following : ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2020-02-05
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. (AL)

I HAVE NOTIFIED ALL THREE CREDIT BUREAUS ABOUT XXXX   XXXX  XXXX XXXX BEING ON MY CREDIT REPORT. I XXXX XXXX XXXX DOES NOT NOR HAVE I EVER HAD A JXXXX XXXX ACCOUNT