davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was defrauded by two clients. of Bank of America and Bank of America knew or should have known that the accounts were fraudulent. I sent several XXXX dollars by Wire transfer and XXXX XXXX for the purchase of Medical examination gloves to their clients but after they received the payments, they stopped answering my emails and XXXX XXXX messages. I reported the matter to XXXX XXXX XXXX XXXX and I also called the FBI who referred me to the XXXX Police. The XXXX Police filed a report for Fraud and upon investigation, they informed me that the Bank Accounts at Bank of America were fraudulent and they used other people 's identity to open the accounts, but before I made the wire transfers they told me that the Accounts are in the name of the company XXXX XXXX, XXXX and they sent me copy of their instructions. Since the company purported to operate from XXXX and they sent me an invoice with their address, I felt comfortable paying them at Bank of America since it was a local bank. Later, I hired an XXXX Private Detective and they reported back to me. that there is no such company as XXXX XXXX  registered in XXXX and the address is false. There is no such address. Later, I had a call from XXXX XXXX XXXX to come to the Police Station and she informed me at that time that since the accounts are fraudulent, it would not be wise for them to arrest the person whose identity was stolen to open the accounts. They have suffered enough, but I should contact Bank of America and request a WIRE TRANSFER REVERSAL I immediately contacted Bank of America RISK department, but they told me since I am not a client of Bank of America, I should ask the sending Bank to start the claim. I immediately contacted the sending bank XXXX in XXXX, and they sent several emails to Bank of America but to this date, they have not received any response. I urge you to look into this matter at your earliest possible convenience. Sub-joined are the supporting documents. Sincerely XXXX XXXX How can your complaint be satisfactorily addressed? 
Bank of America should return the payments i made to their fraudulent client as they should have known that the accounts were fraudulent Print
Consumer complaint received 2020-07-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

The Columbia Debt Recovery group ( I believe d/b/a Genesis Credit Management ) has asserted a fraudulent amount owed and represented the same to various credit reporting companies. Per stipulation filed in a XXXX XXXX XXXX on or around XX/XX/2018, a total of {$2100.00} was agreed to be paid to bring the superfluous eviction case brought against me by XXXX XXXX XXXX XXXX to a resolved conclusion. This was the agreed total cap of the amount owed. XXXX XXXX XXXX, however, failed to credit my account or offset this total due by the last month 's rent that I had paid ( total of {$1000.00} XXXX or the deposit I had made on the unit prior to moving in ( {$300.00} XXXX. This brings the total to {$790.00}. I have indicated from the onset of this disagreement that I stand ready & willing to pay this {$790.00} today. However, Columbia Debt Recovery has inexplicably added {$1400.00} in 'late fees. ' The only reason I am even aware of this added figure is because this is the amount indicated on my credit report ; I have never received an accurate billing or a justification for this late fee. Note also that the stipulation does not indicate any late fees & there is otherwise no agreement for this late fee. Further, any late fee percentage would have been based on the higher figure that does not account for payments made or the proper offsets as indicated above. Columbia asserts that they have not received evidence that the last months ' rent was paid, but that is an incorrect assertion. They received a copy of the uncashed check given to me by XXXX XXXX XXXX as a refusal of my last months ' rent. Because this amount remained in the landlord 's bank account, this is irrefutable evidence that the last months ' rent was paid.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2021-09-13
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (FL)

In XX/XX/XXXX, I leased an XXXX XXXX. I knew that my first payment would be {$480.00}, and that is the amount I paid on XX/XX/XXXX. Shortly after that, I received a " welcome '' packet from Audi Financial with a booklet that states " your account information has arrived. '' In the booklet, there is a page that clearly states the monthly payment amount is {$440.00}. There are no monthly statements sent, only this booklet at the beginning of the lease. This is the amount I have been paying every month starting in XX/XX/XXXX. At no point has Audi contacted me to say this amount was incorrect. Today, XXXX XXXX, XXXX, I received a letter from Audi Financial saying my account is past due in the amount of {$270.00} - this includes {$230.00} in past due lease payments plus {$37.00} in late charges. 

I called Audi Financial to speak with someone. The person explained the amount I am supposed to pay is on the contract I signed. This is one page of MANY that I signed that day, and I distinctly remember being told the actual monthly payment amount might change - wait to get the account statement/booklet. He then explained that after 10 days, a late charge is applied to the account ; after 29 days, it's reported to the credit bureaus. I am not clear why I was not told anything about this until XXXX, if they've known I've been paying the incorrect amount since XXXX. 

I understand I have been paying the incorrect amount and will certainly pay what I owe on this account. However, I now have a much better understanding of why I was turned down for a personal loan earlier this year. I had no idea Audi had reported me to the credit bureaus without telling me there was a problem. Had they notified me earlier, I could have corrected this earlier. 

I think Audi 's leasing practices are deliberately deceptive or completely incompetent. If I could turn the car in tomorrow, I would.
Consumer complaint received 2019-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (LA)

On Saturday XX/XX/XXXX I used a atm machine to do a withdrawal and did not receive my money, I am requesting a dispute and refund of my money that I did not receive at the ATM machine on XX/XX/2019 around XXXX XXXX I went to the chase ATM machine at the corner of XXXX XXXX and XXXX XXXX to withdraw money out of my account. I initially tried to withdraw XXXX but the bank ATM machine told me that I had exceeded the limit allowed, so I try to withdraw {$540.00} and proceed with the transaction when I Selected to print the receipt and the get cash, the window that the cash is disposed out of did not open and I did not receive money or a receipt for that transaction I begin to do the Transaction again because I did not believe this was happening I tried tseveral times and nothing came out. I did another is a separate transaction for {$80.00} and the same thing happened.I did not receive any money from the Chase ATM machine that is on the corner of XXXX  and XXXX XXXX, I am requesting a dispute and a disbursement of my {$620.00} back. I Call the number on the ATM machine to speak with someone at Chase customer service and they express they could not do anything until I speak with my bank, this experience has cost me a great deal of stress and inconvenience me to where I can not pay my rent and my bills that is due today! 
On Monday I went back to the branch to speak with a manager and the manager also informed me that there was nothing that he could do and gave me his business card to contact customer service again,
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I am reporting my identity stolen. There is one credit card, one collection, and one Bankruptcy on there that is not mine. I also have family members with names similar to mine. The there are addresses on my report as well that are not mine, I never lived at the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2016-08-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caneel Capital, LLC (CA)

Trinity Financial Services, LLC a collection company formed in XX/XX/XXXX invests in distressed XXXX loan mortgages caused by the collapse of the housing bubble in XX/XX/XXXX. Because our home was over XXXX underwater XXXX XXXX XXXX through " Making Homes Affordable Program '' helped us keep our home by charging off our XXXX loan and restructuring our XXXX loan including escrow fees, taxes, and insurance which we have been paying down and remain current to this day. Nearly a decade later, Trinity has found a way to capitalize on the recovering housing market by picking up written off XXXX loan mortgages at pennies on the dollar and foreclosing on people 's homes unless the homeowner pays them outrageous and unreasonable profits. Although their websites states they achieve their success by " building relationships and working closely with homeowners through a variety of workout options including modifications and settlements '' this statement could not be further from the truth. Trinity 's MO is to bully the homeowner into paying the full unpaid balance plus ALL interest or suffer foreclosure. They lull you into thinking they 'll work with you by initially offering a modification or a reasonable settlement but it 's nothing more than a method of strengthening their position by gathering all of your personal information. It would have been ideal had they notified us in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX but they chose to wait until XX/XX/XXXX, during the recent housing spike, to contact us in order to resolve this matter because it was in their best interest to do so. I blame XXXX XXXX XXXX for falsely leading us to believe we received a principal reduction and Trinity Financial Services, LLC for remaining dormant by intentionally failing to notify us over all these years for the purpose of maximizing their profits at the expense of the unsuspecting homeowner. Not to mention they have a HUGE problem with the chain of assignment as the assignment deed of transfer documents purporting lawful assignment and thus lawful standing to foreclose appear fraudulent and incorrectly dated rendering standing and the security instrument VOID under the law. With all the improprieties in the chain of assignment and it 's execution they still assert lawful standing yet fail to produce an original note. As a law abiding homeowner we are left with no choice but to defend our only family asset in legal court system. We have invested 11 years on paying this home down, investing our hard earned money on repairs and up keep, on improvements just to let our home go into the hands of these unethical debt collectors. Most homeowners do n't have the money to contest these wrongful foreclosures in court and Trinity knows that which is how they get away with their. They need to be STOPPED!
Consumer complaint received 2016-11-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (IL)

I currently owe XXXX $ XXXX on my home with 22 % made on my principal payment ( $ XXXX home value ) and live in the US. I am currently just past year XXXX of my loan. 

At 20 %, I sent a letter to my lender stating that I would like my PMI removed, which they responded that I would have to have my home assessed to process the removal or it would automatically be removed at 22 % of my principal payment. This aligned with what I had read online and felt sure this would work. 

At 22 %, I was still getting charged for my PMI. I called and asked why it was not auto-removed, and they told me that because my loan was so new ( 3 years ), that the PMI could not be removed until 25 % ; additionally, the PMI would be automatically submitted for removal at the 5 year point ( XXXX 2018 ). They stated that I could send another request letter to remove the PMI prior to then, but there 's no chance it will get approved. 

I was under the impression that Federal Law states that the PMI MUST be removed at 22 % of principal payment. What are my rights as a consumer/borrower and am I getting taken for a ride? What is my best recourse for removing the PMI? Thank you in advance.
Consumer complaint received 2021-09-13
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. (NV)

I have been disputing specific collection items that do not belong to me and I have no way to prove they do not as I have no accounts with these companies. TransUnion and XXXX stated they would not reinvestigate. These are still not my accounts or charges. 

I have had an identity theft reported in XXXX, XXXX and XXXX XXXX did reinvestigate and removed the accounts from my credit report.
Consumer complaint received 2021-03-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SCA Collections, Inc. (NC)

XX/XX/XXXX i called SCA collections spoke with agent was able to help me to an exted i request itemeized statement was told yes i will send to your address stated they cant file with my insurance or medicaid. XX/XX/XXXX - i was looking for more information to become resposnsible but not willing to share or help me.
Consumer complaint received 2018-07-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP (MD)

I lost my card and contacted the company for a replacement card. I was told that I have to wait 5 business days to receive a card after I am required to send my Id to them first. I sent picture of license and utility bill while on the phone. I have bills to pay and my money is being withheld. I use the address they have on file and another address. I was told there is nothing to be done and now I have no access to my account balance online and when I call it says my balance is XXXX. I asked to close the account and receive a check for my balance and was told no
Consumer complaint received 2020-07-20
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: EQUIFAX, INC. (VA)

I submitted a dispute with Equifax, XXXX, & XXXX regarding information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020 & 30 Day demand to comply sent on XX/XX/2020.
Consumer complaint received 2017-06-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of America Ltd. (CA)

COLLECTION BUREAU OF AMERICA ACCOUNT NO.  XXXX  is trying to collect for   XXXX   XXXX   AKA   XXXX   XXXX   XXXX   XXXX  .THE DEBT IS BASED ON FRAUD OF   XXXX   XXXX  .In early  2015  I ordered   XXXX   XXXX     at a local  XXXX  ; the service was sold to me at $   XXXX /mo.On  the very  1st  bill I discovered there were added surcharges and fees far in excess of the   XXXX   XXXX  /mo.   I h ad agreed to.I called the  company, we tried to have a meeting of the minds ... but they insisted on staying their ground and overcharge me what I  was sold..So I tol d them to come pick up their equipment..I do n't like being lied to when sold a service.We had  3 diff erent appointments at our home to pick up the equipment. XXXX  was a no-show all 3 times and now they fraudulently bill me as if they are selling me their equipment as well, that  XXXX  WO N'T COME GET ! It is stil l sitting at my house.   When I checked the Better Business Bureau It became obvious that this is a widespread financial fraud and that this is  XXXX / XXXX  pattern and practice to defraud holding the negative credit bureau reporting as leverage to extort monies not owed.THE DEBT APPEARS ON  XXXX ,  XXXX  AND  XXXX
Consumer complaint received 2021-09-13
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc. (DC)

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. On XX/XX/XXXX, I the consumer, a natural person sent Great Lakes an affidavit of fact and they default on the rebuttal. Law states you have to rebuttal with a rebuttal or the affidavit stands as true. 
Affidavit uncontested unanswered [ United States v. Kis, 658 F. 2d 526,536 ( 7th Cir.1981 ) ; Cert . Denied, 50U.S.L.W. 2169 ; S. Ct. XX/XX/XXXX ] " Allegations in affidavit in support of motion must be considered as true in absence of counter-affidavit ''. [ Group v Finletter, 108 F. Supp. 327 Federal case of Group v Finletter, 108 F. Supp. 327 ] An affidavit uncontested unrebutted unanswered, Morris v. National Cash Register, 44 S.W. 2d 433 Morris v. National Cash Register, 44 S.W. 2d 433, clearly states at point # 4 that " uncontested allegations in affidavit must be accepted as true. 

On XX/XX/XXXX, I sent a Default and Opportunity to Cure with an invoice of consumer laws broken. They still defaulted with no verification of their claim against me. ( a sworn affidavit )
Consumer complaint received 2021-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (NY)

Last year I paid off balance on my Visa XXXX XXXX credit card in full. Due to mistake from online paying services fromXXXX  XXXX I still paid XXXX extra, eve though my balance was XXXX. So I called Comenity Bank and requested they send me a check for XXXX XXXX Refund. 
I never received that refund. I called again in XX/XX/XXXX and I was told they will send it end of XX/XX/XXXX. XXXX XX/XX/XXXX I called again and requested a check again. Again they give me run around. 
How long I have to wait to get my XXXX back? 
Is there any government agency that can make them send me refund check? 
They holding my money for 7 months interest free. When I carried balance they charged me XXXX percent interest. They can do anything they want while private citizen like me suffers.
Consumer complaint received 2016-07-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC (KY)

Called over 100 times in less than a month. Has never left message. Tried to return the call and was sent automatic message about not being a valid number until today. Had to call over 10 times before they would even tell me the company name. It is Phoenix Financial. They are not currently on nor have they ever been on my credit report.