davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

CFPB marked my complaint Against Bank of America, NA as a Duplicate, failing to understand that Bank of America essentially is attempting to collect a Fraudulent Debt by transferring or selling said Fraudulent debt to XXXXXXXX XXXX during the CFPB investigation. 

( # 2 ) Bank of America caused the downgrade of my Credit score because of their wanton disregard for the truth for profit because of the fraud reported in my complaint and to BofA and Law Enforcement. 

( # 3 ) Bank of America is demanding and forcing me to work for free, fixing the problem they ( Bank of America ) caused due to their Gross Negligence in their investigation to my complaint despite their reversal and accepting my claim. I fulfilled my obligation immediately reporting the Fraud and should not be coerced to work for " FREE '' as if I were a SLAVE... 

( # 4 ) Section 1053 of the Dodd-Frank Act authorizes the Bureau to conduct administrative adjudications to ensure or enforce compliance with ( a ) the provisions of Title X of the Dodd-Frank Act, ( b ) the rules prescribed by the Bureau under Title X of the Dodd-Frank Act, and ( c ) any other Federal law or regulation that the Bureau is authorized to enforce. 12 U.S.C. 5563 ( a ). Ignoring the fact that BofA is requiring me to work for " FREE '' is a violation of my Civil Rights and not redundant.
Consumer complaint received 2019-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MD)

My mortgage is now being serviced by MrCooper. I called their customer service at XXXX around XX/XX/2019 and explained the issue that their escrow analysis seemed to be too high and based on incorrect information. They gave me an email address to send documents to and I sent them the attached copy of our real estate tax bill to XXXX and included the following information in the email on XX/XX/2019. I have had no response or acknowledgement regarding my request to have my escrow analysis relooked at. 
This was the email message. 
Hi Please look at my loan # XXXX for XXXX XXXX XXXX, XXXX, MD XXXX since you increased my monthly escrow payment to {$1500.00} and noted that my taxes are over {$12000.00} when they are {$8400.00}. Attached is the most recent tax bill from my county for you to review and look at in calculating a correct escrow payment. 
Thank you I am attaching my tax bill and the escrow statement from them showing their escrow analysis which seems to be using {$12000.00} for property taxes when the property tax bill is actually {$8400.00} which I received from the county where the property is located.
Consumer complaint received 2021-06-24
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. (OH)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SSNXXXX |DOB : XX/XX/XXXX This is now my FINAL time writing you about some unverifiable inquiries on my credit report. To recap what I have done so far : 1. I have contacted the creditors directly ( multiple times ), and all have failed to provide ANY form of verification, authorization, or proof of permissible purpose 2. I have contacted Transunion multiple times informing you of this, and you too have failed to verify these inquiries Since neither Transunion or the creditors are able to provide this proof, I am requesting that you abide by the Fair Credit Reporting Act and remove these fraudulent, inaccurate, and unverifiable inquiries that do not have any permissible purpose. Please remove the following inquiries from my credit report immediately : XXXX XXXX Bank XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  CU XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX FCU  XX/XX/XXXX XXXX  FCU XX/XX/XXXX XXXX XX/XX/XXXX XXXX  CU XX/XX/XXXX XXXX  Fd XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Bank XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX I have been very cordial and cooperative throughout this dispute process and trust you will take this matter seriously. Please see the attached documents. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2019-03-05
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CONRAD CREDIT CORPORATION (CA)

On XX/XX/2019 at XXXX XXXX, XXXX XXXX from Conrad Credit Corporation called me and left a voicemail on my cell phone. I sent a letter to the company that same day by fax and by mail stating that I can not get calls at work and I ask that you please stop calling me and communicate by mail only please. On XX/XX/2019 I received another voicemail from XXXX XXXX at Conrad Credit Corporation post revocation of consent to be contacted by phone and while I was at work, which actually got me into trouble. I have tried to ask this company nicely to stop, but they call anyways. I am requesting that the CFPB please investigate accordingly. No lawsuits have been filed yet, but I want them to contact my attorney ASAP to resolve this violation of The Fair Debt Collections Practices Act. 

XXXX XXXX XXXX Esq. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX
Consumer complaint received 2019-03-05
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

About a week ago I initiated dispute with Transunion because I wanted the account to reflect the current total balance of my XXXX card ( with {$15.00} limit ). The card was getting very close to being maxed out but recently my husband took a loan and we paid it down to {$3000.00}, but Transunion was still showing a total balance of {$9000.00}. Yesterday I got a notification saying that the credit dispute was completed and the account was removed from my credit report. Well, the card is still open and active, and it shouldnt have been removed from my Transunion, they should have just updated the total balance to reflect the current amount ( around {$3000.00} ). The account was removed from my TransUnion report and it hurt my credit score. I called both TransUnion and XXXX several times and I can not get them to put the card back on TransUnion and they keep blaming each other. I want to get this fixed since paying down the card from XXXX to XXXX would surely reflect as a positive and add points to the TransUnion score.
Consumer complaint received 2020-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

On XX/XX/2020 I called Fifth Third bank regarding 2 charges total {$250.00} that did not get completed via the State of Michigan website. I tried called State of Mich 10 plus times to reverse charges because transaction was not completed ( see attached email from State of Mich ). So I called Fifth Third Bank to make them aware. I was told I would receive a letter soon ( see attached letter ). Letter was received on XX/XX/2020. It states that I have 3 days from date of letter ( XX/XX/XXXX ) to review, sign and return. I called the bank regarding this. They stated that their policy is 3 days. I told them that even receiving mail in 3 days is impossible. I was told that I have the option to fax or email the Declaration of Fraudulent Activity back to them. I pointed out to the rep/supervisor that there was NO EMAIL address on the letter. She put me on hold to read the letter. She returned and said " oh I guess you are correct ''. She was not even aware this. Please read attached letter. This policy is completely unfair, unethical and just wrong. They also cancelled my credit card via this letter. I should have been told this procedure when I called on XX/XX/XXXX, not 3 weeks later by letter. I was also told that a new card was on its way. As of XX/XX/2020 I still have no new card. Terrible policy and customer service.
Consumer complaint received 2019-03-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST INTERSTATE BANCSYSTEM, INC. (WY)

I received a suspicious yellow post card in the mail. It says I recently closed on a mortgage with first interstate BK/OR, and it's important to contact them at XXXX asap! Mortgage ID # XXXX. 
SEEMS SUSPICIOUS!
Consumer complaint received 2023-01-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stallings Financial Group, Inc. (GA)

Stallings Financial ( STALLINGS FINANCIAL GR XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX has reported a debt in the amount of {$2400.00} in which I have no knowledge of, as I have never done business with them. 

Please have them validate this debt with a signed contract they have between me and them.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

In XXXX I filed a Chapter XXXX with XXXX and XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX ( XXXX ) XXXX, this Chapter XXXX was XXXX on XX/XX/XXXX. 
My wife and I applied for a loan refinance to lower our interest and get cash out for a vacation after XXXX. We were informed by our loan agent with Rocket Mortgage that XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX Texas ( XXXX ) had a bad debt listed on my credit report, for {$21000.00} and that XXXX XXXX Bank our mortgage carrier had placed a lien on our home. We were never contacted by XXXX XXXX concerning the alleged bad debt that XXXX XXXX was claiming we owe, we find this rather XXXX and since its XXXX XXXX! 

A XXXX representative said that their company bought the debt back in XXXX, obviously the company bought bad debt. I was never contacted by XXXX XXXX by phone or mail from XXXX through XXXX. If XXXX had contacted me I would have told them that the debt they were trying to collect has been discharged in a Chapter XXXX ( {$23000.00} ) XXXX XXXX should not have allowed a lien to be placed against our home this has cost {$12000.00} cash out, XXXX XXXX should have contacted us about the company approaching them with some alleged bad debt.
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am currently shopping for a mortgage. I noticed transition was still reporting a balance on my XXXX credit account when I disputed it with trans Union my score went down XXXX points and they reported it paid in Full. My credit score was A XXXX by dropping it down XXXX  points I did not qualify for the mortgage that I applied for.Why would they drop my credit score XXXX points for paying off a credit card to have a XXXX  balance. XXXX  should have gone up XXXX points not down
Consumer complaint received 2017-12-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (TX)

I made a transfer of approximately {$40000.00} of the virtual currency Bitcoin Cash to Coinbase on XXXX XXXX, 2017. The transaction was confirmed at XXXX XXXX CST by the blockchain protocol, however, the funds were never credited by Coinbase. I made several attempts to find out the status of my funds, and why they were not being credited to me even though they were verified to have been received by Coinbase, and the only answer I get is " Your case has been escalated to the highest level and you will hear back from us shortly ''. 

It is now over a week later and still no response, I am still missing over {$40000.00} in funds, no minimal correspondence and no resolution. They even drop my calls when I call customer service and do not call me back. They hung up on me after I get connected with an agent more than once. I need access to my funds as it is unlawful and fraudulent to hold my funds with no explanation nor attempt to fix the problem. I have lost thousands in trading possibility as well as investing at times that would have profited me signinficantly. There have been damages in excess of {$100000.00}
Consumer complaint received 2021-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Total Card, Inc. (CA)

I XXXX XXXX entered into a consumer credit transaction with total visa. I paid this account in full and closed it with a representative on the phone. A few days after total visa billed me for a annual fee knowing that the account was closed and never used since the date it was closed.This violates my right as a consumer and is an unfair practice pursuant to 15 usc 1692f. Total visa continues to bill me violating my rights as a federally protected consumer.Total Visa is in violation to FCRA, FDCPA, and TRUTH AND LENDING ACT. Dispite the federal laws Total Visa continue to negatively impact on my consumer credit report.

I did not give Total Visa DIRECT consent to report on my consumer credit report pursuant to 15 usc 1692c ( a ). Furthermore, Total Visa has been in receipt of my certified letter containing a affidavit of truth, cease and decease, a debt validation and a invoice for payment. Its has been more than 30 day with no response which means they have defaulted my affidavit.
Consumer complaint received 2019-03-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Auto Advantage Finance, LLC (OK)

The car ( XXXX XXXX XXXX ) has been put in service 4 times in 5 months. My first issue was within a week of my purchase. The vehicle was leaking tons of water into the floorboard of the passenger side. This issue also cause the tracker for the vehicle to go bad and caused the vehicle to not start at random. The second time being serviced was for the rocker arm lifters on the right side of the motor. The 3rd time was one week or so after picking up the car the lifters on the left side of the motor started going bad and I had to return the car to service once again. Just a few days within picking up the car for the 3rd time my wife was driving the car and the car put its self in park while she was driving and the car immediately started leaking gas from the back side of the motor. This issue put the car out of service completely. This issue I feel like was caused by the technician who serviced the car. I feel that the repair was rushed and possibly a gas line linked to the motor was not completely fastened and came loose. I have been patient with the dealership and have been understanding until now. I have drawn the line. The car throwing its self in park due to this fuel line issue could have caused someone to be hurt if not killed. Luckily my wife had not made it to the highway before this happened. The car could have put its self in park while doing highway speed limits. The warranty department has no concern. XXXX XXXX, the head of warranty didn't care about the issue at all. After a few days and a second phone call he offered to have the car towed and looked at. 4 repairs in 5 months is unacceptable. I have made ALL of my payments on time. At this point I want to be able to walk away from the car without any strings attached and any negative hits on my credit.
Consumer complaint received 2021-02-06
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. (AZ)

On XX/XX/2021, I requested with Equifax to investigate and delete inaccurate information from my credit report report. 

As you are well aware, federal law requires a credit reporting agency to respond within 30 business days. It has now been over that period since the receipt of my letter. Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act.
Consumer complaint received 2019-03-05
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CMRE Financial Services, Inc. (CA)

CMRE contacted my sister about my debt XX/XX/XXXX @ XXXX expressing to her that they were going to report the debt to my credit report and they would next garnish my wages she explained that I was not home but the rep insisted that she was in fact me I then called them and they said they were sorry the last rep did that but would I like to set up payments I explained to them this isnt correct and they needed to verify this incorrect bill
Consumer complaint received 2019-08-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (CA)

They constantly call and when I answer the phone theyll hang up. Im sick of the harassment and if they call me Id like for them to actually say something instead of calling up to 5 times a day. I have blocked the numbers they call on then theyll use a new number. 

The company is XXXX. I *think* the debt is with Wells Fargo who opened accounts for me without my permission resulting in hundreds of dollars worth of fees Im never going to pay.
Consumer complaint received 2024-01-18
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. (NJ)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2017-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX I sent a letter stating i did not owe XXXX and asked for documentation. I did n't get any then I called and inquired about my IBR income based repayment plan and asked about a consolidation loan but then they told me that I would lose three years of being on the program this was in XX/XX/XXXX. On XX/XX/XXXX I asked for proof of my signature and they sent me back proof of only XXXX and beyond that point but only one signature nothing before or after that date. Then in XXXX I find out that the loans have been consolidated after they sent me proof of my signatures I asked for them to be removed. So i feel they consolidated them with out permission since they could n't provide me proof of prior loans on my file. They transferred me to the fraud department he took my name and work number. He did some investigating and he saw I called and inquired but I never signed to get them consolidated. He said since their is not signature on file he would reverse them. Now in late XX/XX/XXXX I get a letter saying sorry but there is nothing they can do they can not reverse the consolidation. I feel there were some errors on some loans and they took it upon them sleves to consolidate so they would n't have to provide the proof i was asking for.
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (WI)

To whom it may concern, Reason Code : Violation I have been informing Equifax in writing since XX/XX/XXXX about inaccuracies regarding a Public Record they are reporting on my credit report. They have failed to perform a proper investigation and continue to claim the Public Records have been verified as accurate and/or verified by XXXX XXXX a third -party vendor. This went on from XXXX through XXXX. 

Next, I received a letter from Equifax in XX/XX/XXXX stating the disputed items have been verified by the Credit Grantor ( s ) and that they will NO LONGER investigate unless I sent documents to support my dispute. Again, I sent them all information to support my dispute. 

Finally, they noted on my report that my dispute is not specific. However, Ive been very specific about this matter. I included a copy of the original dispute asking them how they verified this information because information regarding the Bankruptcy wasnt correct. A list of the errors has been outlined on numerous occasions, sent letters via certified/ signed receipt along with a copy of the credit report highlighted in yellow. After they kept telling me it was verified, I reached out to the Federal Courts via- telephone and in writing, asking if they furnished information to the bureaus about my public records and they informed me they do not confirm, furnish or verify public records with no one. The court mailed me a letter reiterating what they had informed me over the telephone. I then forwarded a copy of that letter, another detailed list of inaccuracies regarding the Public Records, a copy of my XXXX XXXX letter that also indicated my information was suppressed, a copy of my utility bill, drivers license and utility bill as proof of my residency. Regardless of what I have sent, they have not fully investigated this account. Im requesting this item is deleted from my report. 

XXXX is also in violation and continues to state verified. However, they report they sent me on XX/XX/XXXX XXXX shows the last date they updated information regarding my Public record disputes was XX/XX/XXXX. Again, I've been disputing for four months. 

XXXX  s also in violation. Their report dated XX/XX/XXXX states the item remained unchanged from their processing of my dispute in XX/XX/XXXX. Again, I've been disputing for four months
Consumer complaint received 2019-03-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (FL)

i have a mortgage payment due by the XXXX otherwise i have to make a {$42.00} late payment and since i do not work anymore due to medical issues, so i do not collect a paycheck. i only receive my Social Security benefits in which i receive direct deposit on the XXXX  wednesday of each month, so i notify M & T. bank regarding this and told i can do a loan modification, so i did all that, now as of today on XX/XX/XXXX i called them and talked to them about changing my due date so i do not accrue late fees, and the only way to do that is to refinance and that is not fair, that i have to pay late fees because i do not get my Social Security check until the XXXX of each month, so 6 months out of the year it will cost me roughly {$250.00} extra per year, especially when i only make {$1600.00} a month and my mortgage is {$1200.00} and they should have some common decency and allow me to change my due date one time, since i never had it change.