davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-18
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Freedom Mortgage Company (MD)

Despite my verbal requests to communicate with me in writing ONLy and to cease all calls to my phone number, Debt collectors from Freedom Mortgage ( XXXX ) continue to call and harass me. Below is a brief listing of the times and dates of calls from Freedom Mortgage for 2019. Please note that I recently replaced my phone and will have to access XXXX for a full history of calls from Freedom Mortgage. 

XX/XX/2019 @ XXXX XXXX  EST XX/XX/2019 @ XXXX XXXX EST XX/XX/2019 @ XXXX XXXX EST XX/XX/2019 @ XXXX XXXX EST XX/XX/2019 @ XXXX XXXX  EST XX/XX/2019 @ XXXX XXXX EST XX/XX/2019 @ XXXX XXXX EST XX/XX/2019 @ XXXX XXXX EST XX/XX/2019 @ XXXX XXXX EST XX/XX/2019 @ XXXX XXXX EST XX/XX/2019 @ XXXX XXXX  EST
Consumer complaint received 2019-04-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Check Cashing & Loans (CA)

On XXXX XXXX I paid off my previous pay day loan and immediately set up a new payday loan with her for me to pay this new loan on XXXX XXXX. I convinced her the timing was ok ( she says I can not do it for longer then 30 days ) which is fine with me. 

But this is 1 of 6 pay day loans I have ( 3 locally & 3 online ). I have been messed up since XX/XX/XXXX ( maybe it was XXXX? ) Last week I had learned previously that if you do these loans too often there is a way to get out of it. So I asked 2 of my 3 local loaners how I could do that. XXXX, the manager at XXXX XXXX XXXX in XXXX XXXX in XXXX XXXX Calif.. XXXX now will set me up to pay {$75.00} for months in a row when I go in next week on XX/XX/XXXX th to pay. XXXX told me be sure I to come in that day when my loan is due and tell the employee I want to do the $ XXXX month for 5 months. 

XXXX has always been a pleasure to work with. 

Then I called the 2 nd one of the 3 local companys. Same process I will do there. 

Then I called the manager ( only one employee ) at the 3rd local company Check Cashing & Loans at XXXX XXXX XXXX in XXXX XXXX. I have been dealing with her for probably 20 years of pay day loans. I am sure she knew what I was asking for ( the same deal - 4 payments of XXXX for 4 months in a row. She said something like We dont do that. Then I hung up. She is wrong & I know that. 

Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Cell phone : XXXX-XXXX-XXXX Ps : Somewhere in all my papers I have my copy of the documents. 
But she knows me.
Consumer complaint received 2023-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I had an account with Bank of America for the last 3 years from XXXX  to XX/XX/XXXXXXXX  I started to see issues with my transactions and overdraft fees in early XX/XX/XXXXXXXX  it would be minor at first {$35.00} for every over draft then it would continue to be bigger amounts and then they would deposit money back in, me believing my account was back positive I would spend those funds then the next business day they would send my account back into negative even more with added on overdraft fees this happened in XXXX XXXX XXXX XXXX XXXX XXXX. They closed my account on XX/XX/XXXXXXXX  after my account went negative from a faulty check they deposited into my account sending me into XXXX  in the negative and added on overdraft fees. This added to a crucial hardship on my life my car was repossessed, I had no funds to feed or help my family and no transportation to get to work.
Consumer complaint received 2019-04-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grimley Financial Corporation (PA)

I received a call on XX/XX/XXXX that I owed a medical bill for XXXX Hospital from XX/XX/XXXX. This was a workman 's comp claim and I was not responsible for the bill. I had called XXXX Hospital in XX/XX/XXXX and gave them all the information for the workers comp carrier to bill. I continued to receive bills from XXXX in XXXX, XXXX and XXXX. I called XXXX every month and gave them the workers comp info to no avail. In XXXX I received the call from Grimley told them it was a workers comp issue and the man I spoke to was not nice on the phone. I told him not to contact me again and not to send any letters as this was not my responsibility. On XX/XX/XXXX I received a collection letter. I called XXXX hospital on XX/XX/XXXX and told them again this was not my responsibility. They said that they had spoken to XXXX and would be billing them and they had recalled the account from Grimley. I then called Grimley on XX/XX/XXXX to advise them that this was a workers comp issue and XXXX was going to recall the account. I asked them to not contact me by phone or mall again. The woman that answered the call never gave me the mini miranda or identify herself. When I informed her of the situtation she was very rude and hung up on me.
Consumer complaint received 2020-12-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2019-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (IL)

Opened Checking account with Chase Bank XX/XX/2018. Approx 6 months later was granted a Chase credit card with credit limit of {$2200.00}. Was not advised of subsequent credit check by Chase would lower my already low credit score. That credit check lowered my score by 14 points which I was unaware of until much later as I manually checked it thru Chase 's web. As a XXXX year old man I am not confident that I will ever bring it back up as a result Chase 's inquiry. Chase has In Effect blocked my ability to get credit anywhere else and will not deposit the credit of {$100.00} back into my checking account because I cancelled the credit card. That {$100.00} was a refund from XXXX which had the credit card as main means of payment for THEM of which I satisfied from my checking account. Chase has informed me that according to them they can not credit the XXXX account. I never requested it re-credited to XXXX and in fact requested it be credited to my checking account which is the source of the {$100.00} in the first place.They said the only way they would refund it is thru a check in the U.S. Mail. I informed them that I would not prefer the U.S. Mail for a check due to obvious reasons. I reapplied for them to reinstate that credit card so i can retrieve my money and have not received the positive response.
Consumer complaint received 2022-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: GOLDMAN SACHS BANK USA (DE)

I call the credit cards company I told them that I never open that account that somebody use my information to open the account. 

They say that I need to pay, I told them no! because somebody stole my identity.
Consumer complaint received 2020-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

Hello, It's unfortunate that this debt KEEP popping up on my credit profile. I have advised that I was a victim of identity theft and it was removed! However once again it ha been added to my report and this is tarnishing my credit score. Please rectify this issue for once so I can move forward in life. I have attached the previous identity theft report.
Consumer complaint received 2019-04-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (TX)

This collection agency is falsely reporting debt on my credit file as a result of identity theft. They have refused to cooperate with me and send me proof of my personal information and/or signed agreements. They started reporting negative invalid debt on my credit in XX/XX/2017. They hung up their phone on me when i called to speak with them about it. Agent refused to give me their contact name and was very rude. XXXX   and XXXX has investigated this company and removed them but XXXX has asked me to reach out to CFPB. Someone inquired an apartment in my name and i am not responsible for this debt. Please as Procollection Inc in XXXX, Tx to stop reporting negative debt on my file. ProCollect Inc is violating Texas Debt Collection ACt and Consumer Bureau and violation FCRA and my rights. 
ProCollect is falsely reoporting {$10.00}, XXXX. I have filed a identity report with FCRA.
Consumer complaint received 2019-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

i had a credit score of XXXX but noticed my mortgage account was not on my report. Whrn i inquuired about it it was returned and my score dropped 111 points. I would like to know why because that seems a liitle unfair to me.
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Claim number : XXXX Claim filed XX/XX/2023 I filed claims with Bank of America XX/XX/2023 I submitted notarized documents letting them know I never received my card they approved these claims Claim XXXX {$9500.00} Claim : XXXX {$7300.00} Claim : XXXX {$130.00} Claim : XXXX {$6200.00} Claim : XXXX. {$12000.00} However on XX/XX/2023 I called the bank because my sponsor advised me I was still missing money so I needed to call Bank of America back to let them know Im still missing funds Bank of America advised me that he missed a lot of transactions and they would include in a new claim Claim number : XXXX {$31000.00} Claim filed XX/XX/2023 How we claim was denied on XX/XX/2023
Consumer complaint received 2019-04-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

XX/XX/2019 XXXX XXXX Loan number - XXXX XXXX XXXX XXXX XXXX, NC XXXX Good morning, We're writing to you, in the hopes that you will assist us in managing our request for a loan modification with Bank of America. 

We're already encountering deception and misguidance on their behalf and would greatly appreciate the CFPB stepping in to let them know that they must follow federal guidelines. 

We attempted to get help for our foreclosure situation through the North Carolina Foreclosure Prevention Fund ( NCFPF ). We tried to file for foreclosure assistance online but NCFPF website was unable to upload all of our documents. We then contacted one of their offices in XXXX XXXX and were given the run around for months having to continually resubmit documents and information that had already been provided. We eventually reached out to another office in XXXX which was able to successfully submit our application. The organization stated that they would seek modification of our loan to assist us but that is not what happened. They basically wanted to refinance our loan an we would have had to bring over {$19000.00} to the closing of the new loan. We are now attempting to request modification of our loan through Bank of America. 

Our most recent request for modification began 2 1/2 weeks ago - all documentation was submitted at the same time, correctly labeled and to the correct individuals. Subsequently, we've been asked to resubmit the same few documents - 4 times. I've attached a copy of the notes from every conversation that we've had so far with them. 

it's clear that Bank of America is using deceptive business practices and trying to delay this process, in an effort to discourage us from pursuing this modification. 

I am on the loan, however oh, my wife is on title and you can communicate directly with her - XXXX XXXX Thank you in advance for your assistance with this matter! 

XXXX XXXX
Consumer complaint received 2019-04-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: LJ Ross Associates (WI)

This is a debt from at least 5 years ago. Placed with this company in XXXX of 2018. It was owed to XXXX for electricty when I was living in another apartment. I called to day to tell them that I could not afford to pay debt because I am on Social Security XXXX and was on limited income. The person I talked to was very rude demanded I pay, when I told her I was on Social Security, she told me that does not exempt me from paying this collection and that I will continue to be bothered by them, and she hung up Well, I cant pay because I have limited income. And they will never get paid, so what difference is it if the release it now or 20 years from now. Same result. Less frustration on everyones part.
Consumer complaint received 2019-04-18
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)

three fraud accounts are reporting under my credit file under equifax, these three accounts were disputed several times and no answer from equifax they can not help me and wont help me, they dont even place disputes, each time i call they say its on dispute or they says we can not place under dispute. please help my whole life has stopped because of these fraud account that were opened without my knowledge, i research and found your website, i figured it is better to try then just sit and do nothing, please i will be attaching my FTC report and the police report. 
appreciate your help
Consumer complaint received 2018-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Diversified Consultants, Inc. (MO)

Good morning. DCI agreed to a settlement to remove an item from my credit report. I have paid the settlement amount but the company did not remove it from my credit report as agreed. 

I have contacted them multiple times.
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (CA)

On approximately XX/XX/XXXX and XXXX I called Barclays/US airways Mastercard to dispute 68 transactions made by my child to XXXX that were not authorized by me. The 68 transactions totaled {$1900.00} and were made between XXXX XXXX XX/XX/XXXX with the bulk of transactions taking place between a 3 week period, and generally hundreds of dollars charged within minutes. I regularly spent {$0.00} per month on XXXX storage. I did try to dispute this with XXXX as requested by Barclays, to no avail. I was given an address ( by barclays ) to send a letter outlining the disputes in writing. I sent the letter via certified mail on XX/XX/2023 and the letter was accepted by Barclays on XX/XX/XXXX. To date, XX/XX/XXXX, I have been passed around between departments at barclays/us airways , always initiated by my phone calls, and no resolution has been made. I have repeatedly explained I am concerned about missing the time limits to dispute these charges but am not able to get help from anyone. I have not received anything in writing even acknowledging my letter, or a case being created. Per the Fair credit billing act, I am responsible for the first {$50.00} of the charges that were made by someone not authorized to use my card. I am disputing charges that were made by a minor unauthorized to make these purchases, and without my knowledge or consent. I am attaching the original letter which I wrote and mailed to US Airways mastercard/barclays
Consumer complaint received 2019-04-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have already tried to resolve my problem with Bank of America thru the CFPB but BoA is just trying to brush it off. At this point I'm trying to protect future consumers who BoA doesn't seem to care about preventing. 

XXXX That is the complaint ID from my last attempt, which was not resolved and was pretty much told by BoA " The person won't answer their phone or email, so oh well '' even tho I provided them with documentation thru the CFPB.
Consumer complaint received 2019-04-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (MD)

I have repeatedly informed EOS CCA and XXXX that I was a minor child at the time of this alleged service by XXXX. On XX/XX/XXXX, EOS CCA continually report on all 3 of my credit report inaccurate information. EOS CCA has stated on my credit report that the information is accurate when it is false. Please see attached Birth Certificate and copy of what they ( EOS CCA ) continually reported on XX/XX/XXXX credit report. The picture shows that this has been disputed.
Consumer complaint received 2023-07-12
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. (DC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WSFS FINANCIAL CORPORATION (DE)

I settled my account with Wilmington Savings Fund Society ( WSFS ) in XXXX, Delaware through their third-party debt collector, XXXX XXXX XXXX, on XX/XX/2020. Despite repeated calls to the Collections department at WSFS, they refuse to update my XXXX  and XXXX  credit bureaus to reflect that the account has been settled. Interestingly, they have reported this correctly to XXXX. It appears that they are submitting under two separate subscriber ID 's. I am attaching supporting documentation showing proof of settlement along with the two different subscriber ID trade-ins in which they are reporting.
Consumer complaint received 2019-04-18
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. (MI)

This is part two of a complaint that was sent in last nigh. First of all I want to let Experian know that I could not go back to my complaints and fix the spelling errors. I apologize I'm at the library and they closed on me with new hours I didn't know about. 

I am asking Experian to fix those things on my credit report that was mailed in XX/XX/2019. I received a letter stating all hard inquires would be adjusted within 60 days. Nothing has happened except I keep getting letters after the one you said you were fixing my report to stating that I need to send in Bank Statements, Id and other proof. I wrote back to you and told you that after I reviewed everything I sent that my banking statements, my Identification and the police reports I sent all identity who I am.

I asked Experian to report my my credit cards ending and XXXX and XXXX  to be reported separately.

I also, asked that Experian stop reporting my credit cards as new accounts since I have had them both over 2 years with no proper reporting. I asked that Experian report my good standing properly as XXXX  has accomplished and XXXX also has done so. My new score with XXXX is outstanding and XXXX will reporting my new numbers shortly.

I asked that no credit freezes or fraud alerts be added to my report as I referenced in my XX/XX/2019 documentation. I also asked that XXXX. XXXX be taken off my report I am not a XXXX. I'm at the library as I said and just uploaded colorful Id of myself to go along with the pages of documentation I already gave you in XX/XX/2019.

In another letter that was sent to me it stated that you needed banking statements, you need proof of Id and utility bill. I worked my XXXX  of while I am in critical condition for several major surgeries and due to go back in the hospital. My last hospital stay was for XXXX in which I spent 17 days in XXXX and lingered on my death bed for several weeks. I would appreciate it if my file can be fixed the right way. That Experian will show my credit score as the other two agencies have done. I am XXXX  years old and I have had my credit file from the 1970 's. Again my credit cards have been reporting for 2 years and that's what it should show now.

I also just uploaded more identification in color to go along with what I already sent Best Regards, XXXX XXXX
Consumer complaint received 2019-04-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NC)

I have two mortgage accounts with Wells Fargo Home Mortgage. The first account was opened in XXXX, refinanced in XXXX and is still active today. This is a FHA account with a 3.875 % interest rate. The second account ( primary residence ) was opened in XXXX and is a conventional loan with an interest rate of 4.25 %, with a 20 % down payment. I suspect that Wells Fargo has discriminated against me based on my race. I contacted Wells Fargo ( case # XXXX ) and requested they determine if my interest rates are higher than a non minority consumer with the same financial and credit profile as myself. I have not received a response from this request.
Consumer complaint received 2019-04-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (GA)

I have checked my credit report & notice they have been some accounts & collections on my report that I had no idea of, I do not recall have contact these companies multiple time & even sent dispute letters with all 3 credit bureaus, I put a fraud lock on my report & Filed a FTC & Police report as well stating I'm a victim of identity theft & didn't authorize anything to these companies