davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-17
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: EQUIFAX, INC. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and Equifax credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2015-04-28
Product: Debt collection — Mortgage
Issue: Communication tactics — Used obscene/profane/abusive language
Company: National Credit Systems,Inc. (GA)

My significant other and I moved out of XXXX XXXX XXXX XXXX in XX/XX/XXXX. I was told by XXXX in which I would receive a final list of charges if any. We had not received any notice until XX/XX/XXXX from XXXX XXXX XXXX regarding a balance owed on the account. I immediately called the company in reference to the matter. Not fully being aware of what the charges were for, I spoke with representative XXXX XXXX. XXXX XXXX was very nasty in the beginning of our phone call stating that the balance has already hit our credit and when we were going to pay. I resulted in a follow up call with the matter XXXX XXXX. I called XXXX XXXX to discuss payment options and possibly setting up a payment arrangement. XXXX XXXX was very aggressive on the phone call and over talked me every way possible. I have never endured such disrespect when handling a possible legal matter. XXXX XXXX refused to let me become aware of my options, and yelled for me to pay the balance in full. I will never deal with this company with any of my business matters. I do not trust the employee of this company. I spoke with supervisor XXXX and he alerted me the information that she gave was incorrect. I will be serving this company with a cease and desist letter stating that I do not want this company handling any business matters.
Consumer complaint received 2018-06-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, Bank of America gave a {$25000.00} cashier 's check out of my savings account. The person went into a branch in XXXX, XXXX  for the transaction. I live and back in XXXX. Bank of America did not properly verify identity. I have a copy of the signature card on file since XX/XX/XXXX that I got from my local branch so I know B of A has a signature card for my accounts and the signatures don't match. I filed an FTC report and I have sent numerous letters to B of A asking them to return my money and certifying that it was not me who made the withdrawal. I have also filed police reports. I have also made numerous calls to B of A and requested a call back from the analyst handling my claim. I have never received any response from B of A. I asked if I should move the remainder of my money to a new bank. I was assured by B of A that was not necessary. They moved what was left of my money to a new account and I was told there were numerous security alerts and this could not happen again. Then on XX/XX/XXXX, XXXX at that XXXX XXXX branch on XXXX XXXX called me and said another $ XXXX in cash wash just withdrawn from my new account plus a $ XXXX cashiers check. I told him it wasn't me. They stopped the $ XXXX check and arrested someone with that but my $ XXXX is now gone along with the original $ XXXX and B of A has done nothing and refuses to give back my money. They are negligent in the handling of my accounts. Especially to let the same thing happen twice when they assured me it couldn't. XXXX ( branch manager in  XXXX ) told me it was an XXXX XXXX man with a fake ID. I am XXXX. I don't know how it could be more clear that I did not make or authorize these withdrawals. An arrest has been made in connection with the fraud. Bank of America has the video and all the evidence it needs to show this was not me. I have spent countless hours in my local branch and on the phone to B of A and they refuse to return my money. The gave away my money and mishandled my account. They did not take proper steps to verify before allowing someone to withdraw my money. XXXX at B of A even told me the guy didn't have my new account number, he had them look it up. Why would you give out someone's account number when there are alerts that there has already been fraud on their account??? B of A said the balance of $ XXXX would alert anyone who looked at my account profile that there'd been fraud yet the gave away more money to the same thief!!
Consumer complaint received 2022-07-20
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. (CA)

1. In accordance with the Fair Credit report Act XXXX  account XXXX 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 is also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In 2020 during the pandemic I accrued three late payments on my Capital One Silver credit card. They offered a program that allowed customers to push back payments due to financial hardship with no penalty at the time. I applied for the program. I was told I did not submit paperwork and three months past due payments showed up on my credit report as result. 
I've had this card for over 7 years with NO late payments. I've been a great Capital One customer for years. 
I wrote several letters to Capital One requesting them to send letters to the credit bureaus to retract the three months of late payments as I submitted to be enrolled in their program. After several letters Capital One has not removed the late payments. It truly unfair how I was treated in this matter, my credit was damaged and my ability to access credit was hurt. This prohibited me from having access to loans and homeownership.
Consumer complaint received 2019-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I have received multiple letters from Portfolio Recovery Associates, LLC trying to collect a debt that was paid a long time ago. The statue of limitations expired ( they even state that on the correspondence to me ).  I have asked for any proof of that I still owe this since my records show this was paid off. The company sent me a statement of account ( first page ) ( like what you get in the mail ) that was dated XX/XX/XXXX. I have sent 5 letters to this company stating that I don't owe the money and that a statement of account is not proof of a debt. Today ( XX/XX/XXXX ) I received 3 letters from 3 different people at their company telling me to send a request for substantiation of the debt. They have reported this debt to collection agencies which I am now having to work to get removed from my credit report. I'm tired of this company ignoring my correspondence and continuing to report that I owe money I don't. They are affecting my credit score. Furthermore, they know they can't sue me for this debt but they won't leave me alone.
Consumer complaint received 2017-10-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (SC)

XX/XX/XXXX ientered a LOAN MODIFICATION WITH GREEN TREE. i MADE THE PAYMENTS TIMELY BUT MODIFICATION ENDED AFTER A YEAR. 

NEVER RECEIVED MONEY FROM DAMAGE TO ROOF DURING HURRICANE XXXX EVENT, XX/XX/XXXX. 

XXXX XXXX XXXX XXXX HAS NO STANDING TO FORECLOSE MORTGAGE FRAUD MY MONTHLY MORTGAGE PAYMENT HAS BEEN {$810.00}. THEN ACCORDING TO CREDIT REFERENCE INQUIRY FROM COURT RECORDS A HELOC LOAN WAS TAKEN OUT ON MY HOME.. THEN MY MONTHLY MORTGAGE PAYMENT WENT DOWN TO {$790.00}. I NEVER TOOK OUT A HELOC LOAN I REFINANCED FROM XXXX XXXX TO XXXX IN XX/XX/XXXX. 

PLEASE NOTE THAT ACCORDING TO THE PSA FOR THE XXXX XXXX XXXX XXXX AS TRUSTEE ON BEHALF OF XXXX TRUST 2001-C CLOSED IN XX/XX/XXXX S0 HOW CAN YOU PUT THE MONEY IN THE TRUST.IN XX/XX/XXXX. I REFINANCED IN XX/XX/XXXX. 

PLEASE NOT THAT WHEN XXXX GOT THE MONEY FROM XXXX  IT WAS ALREADY SECURITIZED THAT IS PLACED ON THE STOCKMARKET SEE D POOL # XXXX, INVESTOR # XXXX. DID MONEY EVER EXCHANGED HANDS. 

ALSO I PUT LITTLE FAITH IN THE PROOF OF CLAIM FORM. FILED BY DITECH.
Consumer complaint received 2018-06-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (OK)

This account has been re-aged. The original account was from XXXX XXXX, dated back in XX/XX/XXXX. Phoenix financial purchased the account and re-aged it to show the original debt was in XX/XX/XXXX. I asked  them in a recorded conversation to update and report the account accurately. They refused to do so and stated that it would fall off my credit in 7 years unless I paid them money, I refused. If every creditor sold a debt after 6 years and the new creditor reported it as new debt, the process would always continue to be on my credit. Please correct this and report the debt accurately.
Consumer complaint received 2016-03-26
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (FL)

I noticed that some company XXXX XXXX XXXX put a notice statement on my credit report. This company does not have the right to put comments on my report and I never did business with them and also the bureau allowed such statement from this company to be put on my credit reporting without my authorization and never notified me of such a comment. this is illegal also being that this company does not give me an address or number to address this complaint. I want this removed immediately or legal action will be taken.
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Prosper Marketplace, Inc. (PA)

Prosper Notified me in XX/XX/2021 via email that instead of charging me {$450.00}, which has been my monthly installment amount that they were going to, per contract, charge the remaining XXXX dollars in XX/XX/2021. 

I was I'll prepared for this, I called and emailed proof attached asking that they not do this. 

I run a business we are cash flow tight. 

They refused to heed my warning and on XX/XX/XXXX charged {$1000.00}. To exacerbate my fragile situation, 10 days later they took the other {$1000.00}. This cause Nsf and I lost my employees trust because his payroll paycheck bounced back nsf. 

I'd this fair? 

When I asked them to refund the {$1000.00} they said no I must dispute with XXXX. 

Fortunately, my bank reversed the charge. 

My employee employer relationship has been dramatically worsened by this failure to pay. 

I never missed one payment look at my track record To further cause insult, they reported to all 3 credit bureaus that I was a 30+ late payer After all I had to borrow to pay my employee while the bank worked on reversing the transaction and our trust built relationship is ruined. 

Please reprimand this organization fir preying on weakened businesses that have barely been able to catch our breathe post mid pandemic. 

I want them to fix the late pay. I paid them their {$1100.00} including late fee added XX/XX/XXXX. Should they have been able to change the contract repayment terms mid contract and report me as a bad payor as a result of their failure to refund me the $ $ the took two times in one month? 

Should I suffer? Is this morally, ethically, or humanely decent?
Consumer complaint received 2023-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

Bank of America cashed checks written by someone not listed on my account via the Bank of America App totaling {$8100.00}. These check should not have been cashed. 
I contacted Bank of America via the phone and in person with no resolution. I also submitted a claim with the Office of the Comptroller of the Currency.
Consumer complaint received 2017-10-02
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

Attempted to close USAA Federal Savings Bank XXXX account on XXXX, XXXX XXXX and XXXX, XXXX XXXX XXXX. Both times USAA refused unless I allowed it to send a coded text to a cell phone. I do not take such texts. USAA refuses to close the account no matter how much it verifies my identity. After hanging up the phone today, USAA then changed the security codes on my account, making it very difficult to log in to the account as retaliation, and removed the ability to log on with a pin, which I had up until that phone call ended.
Consumer complaint received 2020-11-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (AZ)

I have been in forbearance with Loan Care since XX/XX/2020 and ended the forbearance at the end of XXXX 2020. Upon their request, I submitted the required paperwork 60 days prior to the forebearance ending to find out what our options were to start paying the mortgage again. After numerous calls and different information given to me each time, we received a modification in the mail XX/XX/XXXX. I then called again on XX/XX/XXXX asking what my other options were since the modification was not even something to consider. I was told the send back the modification offer with a letter stating that I was declining the offer and wanted to defer the 6 months payments to the end of the loan and begin paying the regular mortgage amount due. I think called the following week and they confirmed it was received and in review which would take a few weeks to complete. That is the final conversation/correspondence that I have had with them until today. Since I gave them a month to finish the review, I called today to find out what the status is since I have not heard anything and I'm no longer able to log into our account. I was then told that we were denied the deferment due to the fact that our loan was transferred to them in XXXX from our previous mortgage holder. I then asked to speak with a supervisor, and was on hold for over an hour to be told that no supervisor was available and that I should receive a call back in a couple days. Each time I have been told that I never received a call. Our mortgage is backed by XXXX  so per the Cares Act we should have the option to defer these payments but I just continually get jerked around by this company.
Consumer complaint received 2020-09-24
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: Experian Information Solutions Inc. (TX)

XXXX XXXX is reporting a written off account from XXXX  XXXX  without properly verifying its legitimacy. I have conveyed to them that I do not owe this debt or amount yet they continue to report and refuse to give me the contact information on who, how and what methods they used to validate the information being inaccurately reported.
Consumer complaint received 2019-06-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY (DC)

On XX/XX/2019, we applied for a mortgage with TD Bank , N.A . with XXXX XXXX. The Loan estimator provided had a mortgage amount of {$660000.00} and a Rate Lock Agreement which stipulated a floating rate even though we asked to lock the rate. On XX/XX/2019, another Loan Estimator was sent with the correct Rate Lock Agreement set at 3.625 %. 
On XX/XX/2019, at XXXX XXXX, XXXX called me to ask for an additional downpayment of {$39000.00} in order to get our loan approved. This brought the loan to value to down to 75.3 % from 80.0 % in the original application. XXXX failed to tell us that TD Bank was offering a mortgage interest rate of 3.50 % to clients with 25 % downpayment. The lower rate option should have been made available when TD Bank decided to change the terms of the agreement. The request for the additional amount to bring our downpayment to 24.7 % appears to have been done purposely in order to avoid giving us their best rate for equally qualified customers. On XX/XX/2019, TD Bank asked us to sign and return at the branch the original Loan Estimator with the original loan amount and the variable rate selected on the rate lock agreement. Prior to closing, I sent XXXX and his manager, XXXX XXXX, an email on XX/XX/2019, advising them that we should have been offered the lower 3.50 % rate on our mortgage when the terms of our loan amount were changed by TD Bank. Mr. XXXX insists there is nothing he can do since the rate lock agreement is signed. The Rate Lock Agreement, TD Bank 's website, and the CFPB all agree that the interest rate in the rate lock agreement can change when the terms of the loan change. In this case, the terms changed at TD Bank 's request. On XX/XX/2019, Mr. XXXX offered a refund of {$770.00} which is far less than the {$20000.00} the lower rate would save us over the term of the loan. After numerous emails and unreturned voicemails, they could not explain how TD Bank could justify giving different rates to clients with the same credit rating and the same loan to value ratio.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2019-06-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Supreme Lending (CO)

I was driving home from an appointment, I did not catch the name of the gentleman who called me. At XXXX, from supreme lending, I informed him I was going thru XXXX XXXX, and no he couldnt beat the deal they gave me. About XXXX XXXX I received a text from my loan officer that someone had called her claiming to be me. As she has known me for 15 years and we had just spoken an hour earlier she knew it wasnt me and told them so and they hung up. The call I received was from XXXX, I know this is a routed number. My loan officer received a phone call from XXXX. Which I have saved in my phone from another supreme lending guy named XXXX who I was first working with n told me to save that number in my phone. When I called the number I was told it was XXXX  XXXX, but Since I have the phone number saved in my phone I highly doubt it.
Consumer complaint received 2019-06-13
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/2019, I responded to a Capital One promotional flyer for applying to obtain a credit card. I authorized one and only one inquiry. Per Capital One I was denied the Credit Card. 

To my shock when reviewing my credit report this week, it reflected two seperate credit inquiries. One I  authorized on the XX/XX/XXXX and another the next day XX/XX/2019. 

I did not authorize an additional hit to my credit. I called Capital One and after being transferred spoke today, XX/XX/2019 at XXXX to XXXX and then to XXXX . I was told to write a letter to Capital One i n XXXX XXXX XXXX Utah and they would investigate the situation. I told them I would like an email or phone number to call as this was very serious to me and that it was Capital One 's Fault and not mine. Who in their right mind would be denied credit on the XX/XX/XXXX and run their credit on the XX/XX/XXXX? 

I find this response to their error aggregus. I am a Senior Citizen and should not be treated this way.