davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-13
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

WE HAVE TRIED MANY TIMES THRU A LONG PERIOD OF TIME TO SOLVE THIS ISSUE WITH THE COMPANY. 
HERE IS THE LETER WE SENT IN XXXX. 
WE RECEIVED NO ANSWER TO : Bank of America XXXX XXXX Bank of America Attn : XXXX, XXXX XXXX XXXX, XXXX XXXX FL XXXX Property address : XXXX XXXX XXXX. XXXX NJ XXXX Loan Number : XXXX XX/XX/XXXX To whom it may concern, The property referenced above was originally purchased with a loan from XXXX XXXXXXXX, which was subsequently absorbed by Bank of America. Shortly thereafter, the loan changed servicers numerous times. 
In order to keep the property, we proactively filed for a loan modification with every one of the servicers during an eight year period. Due to the very high volume of foreclosures and modifications being processed as a result of the financial collapse of XXXX, none of the servicers, including Bank of America was able to make the loan current. 
Finally, in XXXX, XXXXXXXX XXXX  was able to modify this loan ; however, the terms of the modification failed to contain a fair and accurate valuation of the property, making repayment of the loan unmanageable. The loan is currently being serviced by Bank of America. 
We very much want to keep the property and fully intend to pay the mortgage, but we would like to renegotiate the terms of the loan in order to avoid foreclosure and hope that you can help make this possible. A fair and reasonable reduction of the principal and interest rate would enable us to better manage the new payments. 
I am willing and able to provide any documentation or information necessary to move the process forward and I would be happy to discuss the situation with you at your earliest convenience in order to find a solution. Please call me at any time at XXXX or send an email to XXXX. 

Thank you for your time and consideration, XXXX XXXX XXXX XXXX XXXX Below find a paragraph of the letter we received from Bank of America in XXXX for twin property number XXXX, at XXXX XXXX XXXX. 

Dear XXXX XXXX : Your mortgage is approved for a principal forgiveness modification. 
Please return the Modification Agreement no tater than XX/XX/XXXX. 
Your first modified mortgage payment is due XX/XX/XXXX. 

Thank you for completing the Trial Period.

Your Loan was modified with a loan assistance program offered by Bank of America, as part of a settlement with the Department of Justice This modification program includes a significant forgiveness of principal, and an affordable monthly payment.
Consumer complaint received 2022-10-17
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: Bridgecrest Acceptance Corporation (GA)

In accordance with the Fair Credit Reporting Act. This creditor Bridgecrest has violated my rights. 
-Under 15USC 1681 Section 602, states, I have the right to privacy.

-Under 15USC 1681 section 604a section 2. It also a consumer reporting agency can not furnish an account without my written instruction.

-Under 15USC1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. 

Please rectify my report and obtain my privacy. Let me know if there is anything else you need from me. 

XXXX XXXX
Consumer complaint received 2020-02-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (NC)

I was notified by mail on XX/XX/2019 that an apartment complex had turned over a debt they claimed I owed to a collection agency ( National Credit Systems Inc, XXXX GA ). I  sent a letter ( per the Federal Fair Debt Collection Practices Act ) to the collection agency on XX/XX/2019 disputing the debt and asking for more information because I do NOT owe the apartment complex any money. I do not know why they sent me to a collection agency. I asked for more information and never received it from the collection agency. I called the collection agency on XX/XX/XXXX and they stated they were doing an investigation. 
I have not received any communication from the collection agency in writing since I have asked for proof of the debt. However, the collection agency has reported this on my credit report and I was given a higher rate on auto insurance because of the " so-called '' collection item on my report. 
After that happened I decided to learn how to report this unscrupulous agency.
Consumer complaint received 2022-05-13
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. (GA)

in accordance with the Fair Credit Reporting act XXXX Account # listed below has violated my rights. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Hotel and travel ) XX/XX/XXXX XXXX XXXX  ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX Currently on-time 1 Missed Credit cards XXXX XXXX XXXX  Currently on-time 3 Missed Other loans XXXX XXXX XXXX Currently on-time 4 Missed XXXX XXXX Currently on-time 4 Missed XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of edXXXX Department of education XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A. 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 witout my written instructions.
Consumer complaint received 2023-09-07
Product: Credit 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: AMERICAN EXPRESS COMPANY (CA)

I contacted XXXX XXXX on XX/XX/2023 about an expensive package marked delivered that I never received. It was photographed outside on my porch, in plain sight for people to steal. No signature required. I contacted them and they told me to contact my bank and file a chargeback, they would speak with my bank and get me money back. They did not ever file a claim with the delivery company, or give me any other means of solution. Since I never received the package they have to handle all those responsibilities. Instead, I continued to be told to file a chargeback and I would get my money back. Instead Amex keeps declining my dispute although I literally have written proof XXXX XXXX informed me to do so. Amex then told me to file a police report which I did and they still continue to decline my dispute although I did everything asked of me.
Consumer complaint received 2022-05-13
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. (NY)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 6058,615 ( ) and 623 ( a ) 6 ), an An identity theft report can be used to permanently block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report.

Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the *Identity Theft Report List of Fraudulent Accounts ''. I am also requesting to be mailed a new credit report to my address of record above.
Consumer complaint received 2022-05-13
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. (MD)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX 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 also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Bureaus Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : Experian 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00}
Consumer complaint received 2022-05-13
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. (TX)

My name is XXXX XXXX XXXX and my identity was stolen by an old co-worker. He took my wallet and it had my social security card inside and also other personal documents. I sent copies of a police report and also FTC reports to the creditors and the three major credit bureaus. The inaccurate items and amounts consist of the following XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX {$37000.00} XXXX XXXX {$17000.00} XXXX XXXX XXXXXXXX {$55000.00} XXXX XXXX {$1700.00}
Consumer complaint received 2022-05-13
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. (MD)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX 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 also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-08-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc. (NE)

21 days ago ( XX/XX/XXXX ) I transferred XXXX XXXX from a XXXX XXXX to my Coinbase wallet with XXXX XXXX of fees. On the blockchain it shows that I have received the amount 21 days ago and also XXXX confirmations have gone by. I have contacted the support line multiple times and nothing has gone through. It still shows as " pending '' on the Coinbase side of things
Consumer complaint received 2023-09-07
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Bridgecrest Acceptance Corporation (TX)

" Illegal Repossession Attempt '' occurance on XX/XX/2022 due to company failure to notify XXXX XXXX XXXX of issues resolved prior which resulted in damages to vehicle. Neither Bridgecrest nor XXXX are claiming responsibility of damages. Payments came out of pocket for repairs resulting in delays, Bridgecrest notified by phone day of occurrence as well as follow XXXX  after response from toe company
Consumer complaint received 2022-05-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (NY)

The collection agency 's name is : LVNV FUNDING LLC XXXX XXXXXXXX XXXX I reached out to the the collection agency twice to ask for a validation letter to be mailed to me. 
Once on XX/XX/2022 and second, on XX/XX/2022. 
This debt was found on my all 3 of my credit reports. I do not acknowledge that this is a debt of my own. I have a credit card with this same credit card company in good standing!

I have disputed it with all 3 credit burros and it always comes back without verification.
Consumer complaint received 2022-05-13
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)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 2022-10-13
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

Capital one credit card customer servise just is not there. there were XXXX charges for the same transaction on XX/XX/XXXX. We tried to talk to the business there was no one there since it was a car wash. 
Capital one sends an alert when something like that happens and says on the alert if that should be disputed. when I pick that option the the message is " oops something went wrong, try later '' when yo try later same message keeps repeating. when you call they dont pick up and calls drop. 

last year we ordered a chandeliar online. it was defective. Could not be used. They would not return the money unless I physically returned. since we do not have a way to return such a latge piece and the merchant would not pick it up for a charge we were never given our money back. 

When a defective product arrives and they dont fix it ( merchant ) we bite the cost.
Consumer complaint received 2017-08-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

On XXXX XXXX, I came to a settlement agreement with XXXX XXXX XXXX, a representative of the collection firm XXXX  and XXXX XXXX. concerning the listed file number. I was forced to reach an agreement with this representative due to Capital Ones refusal to work with me. My contact through Capital One was XXXX XXXX and it was difficult to reach him and get responses or answers in a timely manner. While his letter referred me to XXXX and XXXX to resolve the account, I had on more than 1 previous occasion rescinded any rights to transfer my information or account outside of Capital one. As a result of forcing my hand, per the attached settlement letter, the amount of {$4100.00} was paid in 2 installments of {$250.00} on XXXX XXXX and {$3800.00} on XXXX XXXX as the enclosed copies of the payment receipts show. As a result of my payment in full, I contacted XXXX on XXXX XXXX, XXXX at approximately noon to request an immediate paid in full letter to be emailed to me at XXXXXXXXXXXX as soon as the payment had cleared. This representative became rude when I stated that I wanted the letter to be sent to prevent any additional fees to be suddenly added after my final payment. The final payment cleared my bank as of XXXX XXXX and 2 weeks have passed with no letter of confirmation of payment in full. I felt very threatened when XXXX had a court appointee bang on my front door hard enough to dent the strike plate and damage the latch in order to issue a summons at the beginning of this entire confrontation with a letter in the summons dated from XXXX XXXX, XXXX and presented to me on XXXX XXXX, XXXX. On my initial contact with XXXX, I expressed my complaint at the way the summons was served and that my wife and I felt threatened at the scare tactics used. His response to me was Im a lawyer so I know the law and I dont care what you do and his language was very confrontational and his statement about the aggressive tactics were to get my attention. I am requesting a completion of payment and paid in full letter in accordance with my request to XXXX and in accordance to the total in the agreement letter to be mailed within 24 hours of your receipt of this certified return receipt letter. This letter and its accompanying documentation will be mailed to both XXXX and XXXX and Capital One and will be retained for any possible future action that might be needed. I will be notifying the Better Business Bureau and the Consumer Finance Protection Bureau about this complaint.
Consumer complaint received 2022-05-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BMO Bank, N.A. (IL)

In XXXX I purchased a home with two ( 2 ) mortgages from two institutions. The lesser loan was for XXXX with Harris Bank. I just received notice that my loan is maturing on XX/XX/XXXX. I assumed this meant that I was paying off the loan. I have now found out that when the loan matures I will owe the remaining balance ( which I assumed was a minimal amount ). To my shock I found out that I still owe $ XXXX on a $ XXXX loan that I have been making payments on the last 15 years totaling over XXXX. Fifteen years of payments that only reduced the principal by $ XXXX. The interest rate was 9.7 % but still I did not understand that this $ XXXX loan would ultimately cost me over XXXX.
Consumer complaint received 2022-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (VA)

On XX/XX/2021 I ordered a merchandise from XXXX XXXX XXXX XXXX  using a Chase debit card in the amount of {$1700.00}. The merchandise did not arrive to me. I filled a claim with Chase bank but they denied my claim saying I signed for the package even after I gave them my signature to compare it with the one from carrier tracking number.
Consumer complaint received 2022-05-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (NY)

Due to the laws of my state of New York, as of XX/XX/XXXX, the updated The Consumer Credit Fairness Act of XXXX, the debt with account number XXXX that your company is claiming to be owed to your collections company is 7 months past the 3 year statute of limitations, this account is listed with XX/XX/XXXX date. As per the law pertaining to my state, all collections activity for this debt must stop which includes, mail, credit reporting, phone calls etc. If your company continues any form of debt collection including but not limited to credit reporting this case will be brought to the attention of NY state attorney general and also your company 's home state 's attorney general. The CFPB is a third party witness as a communication channel to this debt collections company.
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/2022 I sent Certified Mail to all 3 credit bureaus ( XXXX, XXXX and Transunion ) notifying them that the personal information listed on my report is inaccurate. Credit bureaus are legally required to report accurate and up to date information. On all 3 reports addresses, phone numbers and alias names were linked to myself. This may possibly be from identity fraud or negligence on the part of these credit agencies.
Consumer complaint received 2022-05-13
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. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX, and Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX  XXXX Balance Owed : {$410.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$330.00} ; XXXX  XXXX Balance Owed : {$250.00} ; XXXX  XXXX Balance Owed : {$350.00} ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX