davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I set up a recurring scheduled payment on my checking account at Bank of America to my Mom 's Assisted Living Home, XXXX XXXX in the amount of {$10000.00}, on XX/XX/2022. On XX/XX/2022 I received a notice that the payment was scheduled and would be mailed. On XX/XX/2022 I received a call from XXXX XXXX regarding my mother. She was XXXX  and needed to see me. I was with her from XXXX to XXXX. I received a call from an unknown number and ignored it since my Mother was more important than what I thought was another SPAM call. A voicemail was left stating I needed to contact the Fraud Dept. before XXXX to pay the check. This message was at XXXX XXXX, which is already past the time they gave me to call back. 1 ) I set up the payment on XX/XX/2022. If they were afraid of fraud, why wasn't I contacted then to be sure I wanted to send a scheduled payment to XXXX XXXX in the amount of {$10000.00} every month? 2 ) Why was there no indication that it was Bank of America calling? I would have answered. 3 ) Why would they call and leave a message stating to call back before XXXX to pay the item, when the message left was at XXXX? This is clearly a Bank error. I requested them to pay the item which they stated they can not, it would have to be resubmitted, of course after XXXX XXXX gets the returned item at their Bank with a returned item fee. I requested Bank of America to give me a letter stating they have made an error in returning the check and for them to reimburse the payee, XXXX XXXX for the returned item fee from their Bank. They refused. There was no way for me to get the check paid that I authorized 10 days before the check was presented. This was a check Bank of America mailed to XXXX XXXX. There was NO way in this scenario that was not going to cause customer harm. I can not be the first. Please examine their procedures. This is wrong in so many ways.
Consumer complaint received 2022-05-04
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: EQUIFAX, INC. (PA)

reported fraudulent inquires in XXXX XXXX and they were not removed List of inquiries : XX/XX/2021, XXXX XXXX AT XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-05-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION (MI)

Three years ago I took out a {$300.00} loan from a loan store. I did not pay it back when I was suppose to. Not one time did I hear from the company via phone, mail, court etc. now I have someone calling my phone telling me if I dont pay it this day etc Ill be garnished.
Consumer complaint received 2020-12-14
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PHILADELPHIA MORTGAGE ADVISORS (PA)

I applied for and was approved for a FHA mortgage through Philadelphia Mortgage Advisors and had a closing date of XX/XX/2020. I was locked in at an interest rate of 3.175 %. Due to an issue at settlement, our closing had to be rescheduled to XX/XX/2020. We were still locked in to the rate and were scheduled to close. Three days before settlement, I received my Closing Disclosure with the wrong interest rate of 4.125 %. I immediately alerted my mortgage advisor. She insisted that I was wrong, that the interest rate was never changed and that if I did not sign the CD that day, I would not close and would lose the locked in interest rate. This was upsetting because my family and I were already in the new property. On the original settlement day, my own home was sold before I knew about the U & O issues. My family was essentially homeless. So, My husband and I signed the loan with the wrong date out of fear of not being able to purchase the home at all. Immediately after settlement, I contacted the mortgage company and the President of the company came to my home and we signed new loan documents. I mentioned to him that since the interest rates were wrong, I had overpaid and had to be due a refund. He agreed and said he would send that out. 
That never happened. I never received a breakdown of an overpayment or a refund from this company.
Consumer complaint received 2020-06-04
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems (AZ)

MIDWEST RECOVERY SYSTEMS added a collection to my credit report. The original creditor is listed as NET CASH PROCESSING. NET CASH PROCESSING was paid in full over 71/2 years ago when the loan originated. I had not contract and have conducted no business with MIDWEST RECOVERY SYSTEMS. Aside from that this account was paid. 

Under the FCRA 15 U.S.C. 1681c, an account in collection can appear on a consumer 's credit report for 7 and a half years from the date of first delinquency on the account. 

Attached is a screenshot of email between NET CASH and myself.
Consumer complaint received 2022-05-04
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. (MO)

I sent a certified letter to Experian on XX/XX/2022 to remove inaccurate and non current personal information from my credit report. According to the FCRA 1681, I have a right to privacy. According to to 15 USC 6802, no financial institution can share my personal information with a third party. This is clear evidence that violations were made against me.
Consumer complaint received 2018-04-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: 360 MORTGAGE GROUP LLC (GA)

My mortgage with this company ( 360 Mortgage Group ) was paid in full on XX/XX/XXXX. To date, I have not received the escrow funds due to me. I have called on numerous occasions, only to receive the " run around. '' I was told the check was issued on XX/XX/XXXX ; my first call to them was on or about XX/XX/XXXX. At that time, I stated that it seemed a bit odd, that I still had not received the check if was issued on XX/XX/XXXX. They told me they were not responsible for the delay of the mail service. I asked if the check could be stop paid and reissued. They stated they would have to give it at least two weeks after the issue date in order to stop pay, which would have been XX/XX/XXXX. Again, I called to inquire only to be told they couldn't stop pay it until XX/XX/XXXX. So, as of today, XX/XX/XXXX, I'm still waiting to receive my escrow refund. I asked if they could over night it as a courtesy ; they stated " yes ''. However, when I called back on XX/XX/XXXX to advise that I did not receive an overnight package ; they stated, " they put it in the mail. '' Please help me in receiving my escrow refund.
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OK)

My son has been working for a year, has great credit and just moved into a new apartment. XXXX XXXX XXXX was using Equifax for their application process for internet service. They put a freeze on my son 's account and asked him to fax some information to them. Then they told him it would be up to a month to resolve the freeze they put on his account but wouldn't tell him so he needed a co-signer. I agreed then they told him I had a freeze. Their response was, " we apologize. '' I asked to speak to a supervisor and her response was, " we apologize ''. I asked them for resolution as they apparently are randomly freezing people files and was again met with, " we apologize '' repeatedly. No information, no research, just " we apologize ''. How can they just freeze peoples account for no reason while asking for check stubs and social security information? Don't they have that or is it they're most likely tying to update their demographic information to sell? This is the literal definition of abusive practice in UDAAP. Who is making them accountable for their abusive practices on the public with no merit, no explanation, or timely resolution?
Consumer complaint received 2020-01-31
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (OK)

On XXXX XX/XX/XXXX I emailed a copy of my Tax Exemption certificate to AmeriHome 's Tax Exemptions Department. The same day ( XXXX XXXX ) I received a notification that the document was received. 

On XXXX XX/XX/XXXX I contacted the Tax Exemptions Department of AmeriHome Mortgage to verify they did not need any additional information and to inquire about my mortgage bill and how to proceed when the first payment was due ( Payment was due XXXX XX/XX/XXXX ). I was assured that my paperwork had been received and that it would be processed and that I would not need to make payments until the bill has been corrected because I could wait to make my payment up until XXXX XX/XX/XXXX. 

On XXXX XX/XX/XXXX, I received an email stating that the documents I sent would be sent to the Tax Department. 

On XXXX XX/XX/XXXX I again contacted AmeriHome to inquire about the status of the tax exemption, as my first bill due date had just passed. I was again told it was being processed and that it should be completed/updated by XXXX XX/XX/XXXX and that I could wait to make payments. 

On XXXX XX/XX/XXXX I made contact with the Tax Exemptions department of AmeriHome to follow up, as my bill was still showing the incorrect amount due. I was told that my tax information was being processed and that they had to verify the information with the Tax Assessor 's  office. When I requested additional information about when to expect this to be completed and whether or not it would be before my '60 day grace period ' had expired, I was told they had no further information and to just wait or pay the full amount. 

On XXXX XX/XX/XXXX I made contact with AmeriHome Tax Exemptions office and again inquired on the status of my tax exemption and billing update. The representative refused to give me any further information or to give me any estimated timeframe for this to be corrected. 

On XXXX XX/XX/XXXX, I submitted the full billed mortgage amount, which included the tax amount, as I did not want to fall behind on payments, requiring 2 months ' payment all at once by mid-XXXX. 

On XXXX XX/XX/XXXX I contacted AmeriHome Tax Exemptions office, as I am now in receipt of a letter and a paper bill stating that I am Past Due on my mortgage. I was placed on a hold and then told that my exemption status was being reviewed. Prior to contact with AmeriHome, I contacted my County Tax Assessor 's Office. I was reassured that if AmeriHome had contacted them, they would send the information, but that the only information they had for them was the letter that I had already submitted.
Consumer complaint received 2022-05-04
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. (NJ)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account Number ( xxxxxxxxxx XXXX-full account number not provided ), has violated my rights : 15 U.S. Code 1681Section 602 A- Violated my right to privacy. 

15 U.S. Code 1681 Section 604 A- A consumer reporting agency can not furnish an account to my credit report without my written instructions.
Consumer complaint received 2022-05-04
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 — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation (FL)

I have some late payments that I was advised that I could get removed from my Credit Bureau by one representative. They sent a letter stating that they will not do it. this comes after the person told me that I was able to have the late payment marks removed.
Consumer complaint received 2020-12-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being ignored and disrespected. Section 611 ( a ), plainly states that failure to investigate these items with in 30 days gives a reason to immediately remove these items from my credit report. I demand these accounts be deleted immediately other wise I will file litigation due to the stress and lost of income that this bad credit rating caused me. Per my attorney my information was impacted by the XXXX data breach and this may be the way my information got into the wrong hands
Consumer complaint received 2020-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA (NC)

on 'black monday ' - XX/XX/2020 - received an email solitication from XXXX to purchase and XXXX XXXX or newer with Apple credit card and receive a {$50.00} XXXX  gift card. there were no other noted restrictions. I called Apple customer service at ( XXXX XXXX XXXX ) to clarify terms and see if the gift card could be applied to the purchase price. I was *clearly* informed that an XXXX XXXX would qualify and I could only apply gift card if I selected the 24mos pymt plan. I then went online as the representative advised, ordered the phone and used apple credit w/ the 24 mos pymt term. Part of the selection process was to choose carrier type or unlocked phone. There were no notices that not selected 'unlocked ' would result in not receiving the promo. I was told I'd receive the promo gift card as an email 24hrs after pickup. I then picked up the phone in an XXXX  store and asked the representative in the store on XXXX2020 about the gift card. On Thursday, XXXX/XXXX/2020, I called XXXX XXXX XXXX  to follow up on the gift card and was told today that I was 'ineligible for the promotion because I selected a carrier phone vs. an unlocked phone '. This was deceptively advertised, not clearly stated and I spoke with several representatives on the 800line and in store that did not indicate this would be cause not to receive the promotion.
Consumer complaint received 2022-05-04
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. (AL)

In accordance with Fair Credit Reporting 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-06-10
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)

Last year I discovered a false account with XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Consumer complaint received 2020-12-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NE)

On XX/XX/XXXX ... our Wells Fargo Checking account was hacked ... and $ XXXX dollars were wired out of the account. Wells Fargo was notified within 20 minutes of this happening ... while they said they would do everything to recall the wire ... they did not. 

When I complained and asked why they did not ask us to confirm the wire ... they said that they texted my wife ... which they did not. 

I escalated all the way to what I was told was the " highest level of customer complaints '' the rep was XXXX XXXX ... to which she replied that they would do nothing ... and could not provide any record or confirmation of the text being sent or us approving the transaction. I was just supposed to take it on their word ... which is amazing to me. 

I asked her if she had the authority to change that decision to which she replied that she did not ... so I suggested she was NOT the highest level of consideration ... since she was not able to change it. We are out {$4700.00} ... and Wells did nothing to help and nothing in taking any responsibility for protecting the integrity of their customer 's money.
Consumer complaint received 2020-03-04
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: FIRSTBANK PUERTO RICO (PR)

I purchased my home in XX/XX/XXXX for $ XXXX. My situation is that the septic tank is built on my driveway and it is way too close to the house and it doesn't percolate. I have to have it emptied out every month or it will overflow back into the house where I live with my wife and my XXXX year old XXXX. This is a very stressful situation since we have to bleach everything all the time for the sake of our health. I stopped making payments to the bank in XX/XX/XXXX when I sued the bank because it doesn't comply with VA regulations health wise. After many, many changes of judges I took the case all the way to the Federal Supreme Court. There was a number assigned to my case however, there was not enough time on their agenda to see it through. There was an inspection from the VA and they noted in the documents that an inspection from the PR Health Department is needed and that the lender had ignored this situation and still moved forward with the closing. The EPA inspected the area and stated that the way the septic tank was built does not comply with the laws and regulations and it should be on the backyard away from the structure. XXXX inspected the area and recommended not to walk on the street due to the contamination since it will be brought into the house. The Department of Health of PR informed us after the inspection that the septic tank does not meet the requirements needed for any type of mortgage loan because it does not comply with PR laws. My house has lost its value to others in foreclosure for the same issue which are selling for $ XXXX. Yes, {$30000.00}! Please help.
Consumer complaint received 2024-02-07
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (MA)

On XX/XX/2023 applied for a Synchrony Bank issued TJX Rewards Credit Card in the Home Goods XXXX, New Hampshire store. I provided my full information on the application and my credit was pulled by Synchrony Bank ( noted on report as SYNCB/TJXDC ) on XX/XX/2023. The application was denied, however, to date, no adverse action notice has been received from the bank as I was instructed by the company I would receive in the form of a letter. Therefore, I have no information on how to contact the bank to understand the denial of credit nor can I understand the nature of the decline of the application. However, my credit score has dropped XXXX points as a result of the credit inquiry with no positive result for this consumer. I believe both ECOA and FCRA call for an adverse action notice be sent to consumers within 30 days of application.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 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 2020-01-30
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. (AR)

As I decided to purchase a jet ski for summer fun my salesman told me that in order to get it financed I had to get my credit report pulled. He pulled my credit report and I was in deep shock on all the items listed on my report that did not correspond to me. Could you please remove those items from my report. 

XXXX XXXX XXXX XXXX {$950.00} XXXX/XXXX  XXXX {$150.00} US DEPT OF ED/XXXX  XXXX {$15000.00} XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX XXXX {$3900.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} XXXX   XXXX XXXX {$0.00}
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: National Consumer Telecom & Utilities Exchange, Inc. (KY)

On XX/XX/2022 I ordered my NCTUE report using the automated system, I was mailed to separate reports with different confirmation numbers. 

On XX/XX/2022 I attempted to order another NCTUE report to get an updated report, but NCTUE could not find my information on the automated system. So I called NCTUE and was told to fax my ID, which I did and asked for an updated report. I have received NO report, and the automated system still does not recognize me? 

I will include the XX/XX/2022 ID fax that was never answered.
Consumer complaint received 2021-09-18
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. (MN)

So a credit repair agency has been sending out letters on my behalf to these credit agencies and in XX/XX/2021 my score went down again 59 points all because those letters were sent out and these students loans are so old I dont know why they are still on credit report after I complained about them to this company and Im paying a credit repair agency. Why is it so hard to remove student loans over 8 to 10 years old. Why is my credit getting damaged so bad when all the credit repair agency did was send out letters? And just 2 days ago my score went down -48 points because I missed only my first payment on my credit builder card. I made all my payments on time with that card and the one time I didnt -48 points and I owe only {$67.00} on that card! That doesnt make any sense too me Im so XXXX angry!! Ive complained about this in XXXX to this complaint agency and now I have to do it again. My credit score was at XXXX before all of this now its under XXXX.