davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XXXX XXXX, XXXX, I applied to Bank of America ( " BOA '' ), the servicer for XXXX XXXX ( " XXXX '' ), the lender, for a HAMP Tier 2 loan modification of my mortgage loan no. XXXX, secured by my rental property located at XXXX XXXX XXXX, XXXX, MD XXXX ( the " Property ' ). I transmitted my loan modification application on the BOA required Request For Mortgage Assistance form ( " RMA '' ), dated XXXX XXXX, XXXX, copy attached. BOA then mailed to me a XXXX XXXX, XXXX, letter, copy attached, which letter denied my RMA application for a HAMP 2 modification. The XXXX reasons stated by BOA are stated on the bottom of pg. XXXX and the top of pg. XXXX of the XXXX/XXXX/XXXX BOA letter. The first reason, at the bottom of pg. XXXX, states that the lender DB has not given BOA the authority to modify my loan under the HAMP. The second reason, at the top of pg. XXXX, states alleged reasons which are vague at best. For example, the " proposed modified monthly payment '' is not disclosed. Secondly, the manner in which the " proposed modified monthly payment '' was determined is not disclosed. Third, the document which sets " the required range of XXXX % to XXXX % '' is not disclosed. Fourth, where I fit into the range is not disclosed. Fifth, the calculation formula for the " verified income '' is not disclosed. I took the opportunity, given on pg. XXXX of the XXXX/XXXX/XXXX letter, to ask for a reevaluation. I faxed XXXX fax transmission sheets, a copy of each sheet attached, with my reevaluation request in the form of a new RMA, dated XXXX/XXXX/XXXX, copy attached, and with an updated Hardship Affidavit, dated XXXX/XXXX/XXXX, copy attached. On XXXX XXXX, XXXX, I faxed to BOA a fax transmission sheet and a revised pg. XXXX, copy attached, of the new RMA, dated XXXX/XXXX/XXXX. Again, BOA denied my application for a loan modification. BOA 's denial letter, dated, XXXX/XXXX/XXXX, copy attached, gave as the denial reason that my application did not satisfy an alleged NPV Formula to which BOA allegedly had applied XXXX separate factors without stating the manner in which the XXXX factors have been applied to the XXXX Formula. I then sent BOA a letter dated XXXX/XXXX/XXXX, copy attached, which listed XXXX reasonable requests on pages XXXX and XXXX of my letter. BOA has ignored my reasonable requests. BOA 's denial of my loan modification application and BOA 's failure to respond to my XXXX/XXXX/XXXX letter under all the facts and circumstances manifest BOA 's bad faith in the processing of my loan modification application.
Consumer complaint received 2021-11-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (GA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been patiently waiting on their response to the written requests I sent regarding the I C SYSTEM account in XXXX Bureau. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2020-07-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo cashed a stolen check without verifying. The check belonged to me but I do not have a Wells Fargo Account nor did I ever have one. 
I made a police report. With copy of police report and copy of the back and front of the check in hand, I went to Wells Fargo Bank located at : XXXX XXXX XXXX XXXX XXXX, Ca XXXX I asked to speak to a Manager but was denied. I explained my situation but was turned away and was told they could not help me because I was not a customer and did not have an account. I was told to call the " XXXX XXXX number ''. 
When I called Wells Fargo, they told me the same thing, I did not have an account.
Consumer complaint received 2019-06-03
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. (MO)

I have been trying to submit the dispute with Experian  online but fornaome reason wouldn't allow me to. XXXX XXXX/XXXX  is included in my chapter XXXX bankruptcy this is part of my educational loan that's in Bankruptcy.
Consumer complaint received 2019-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: LoanCare, LLC (CA)

I had a bankruptcy several years ago - only on credit cards. I reaffirmed my home mortgage, but XXXX has never reported to the credit agencies since then that I make my mortgage payments each month for years now - which would help improve my credit score. Please help me. I need to increase my credit score. XXXX has filed bankruptcy themselves and now my mortgage is going to LoanCare LLC - XXXX   XXXX XXXX, XXXX XXXX XXXX, CA XXXX, phone numbers - customer service XXXX and collections XXXX. Every time I had my bankruptcy attorney send a reaffirmation of my home mortgage - they would just say it wasnt the right paper. So now my bankruptcy attorney says he wont help anymore. Please help me - Im a single mom to a XXXX year old boy who is on the XXXX for XXXX, a XXXX XXXX, and I divorced my sons father ( my ex-husband ) because he was so abusive to myself and my son. I still cant seem to financially recover from that horrible time in my life even though I filed for divorce in 2011.
Consumer complaint received 2019-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In XXXX I asked for the bankruptcy to be removed from my XXXX and TransUnion account XXXX   deleted this item from my record as they were unable to verify this item. I have contacted the creditor/court listed on their listing and they have revealed to me that they never verified this item with them either.
Consumer complaint received 2015-10-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Business and Consumer Solutions. (CA)

continued calls from XXXX XXXX financial seeking a person that does not live here, i called back 4 times to ask that my phone number be removed from caller list they said it would be removed but it has not and i keep getting calls. the calls are on my caller id and phone bills. please make them stop. thank you.
Consumer complaint received 2019-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Ditech Financial LLC (CA)

I had a bankruptcy several years ago - only on credit cards. I reaffirmed my home mortgage, but Ditech has never reported to the credit agencies since then that I make my mortgage payments each month for years now - which would help improve my credit score. Please help me. I need to increase my credit score. Ditech has filed bankruptcy themselves and now my mortgage is going to XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX-XXXX, phone numbers - customer service XXXX and collections XXXX. Every time I had my bankruptcy attorney send a reaffirmation of my home mortgage - they would just say it wasnt the right paper. So now my bankruptcy attorney says he wont help anymore. Please help me - Im a single mom to a XXXX year old boy who is on the spectrum for XXXX, a XXXX XXXX, and I divorced my sons father ( my ex-husband ) because he was so abusive to myself and my son. I still cant seem to financially recover from that horrible time in my life even though I filed for divorce in XX/XX/2011.
Consumer complaint received 2020-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

I am a long time JPMorgan chase N.A bank client and was maintaining my checking account. I used online banking from checking account for paying my bills.I have an account for XXXX XXXX Credit card company and their address : XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX But by mistake I set up a different account for XXXX XXXX with does not exit & that was : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX - XXXX With a account # XXXX ( That number doesn't exit ) I paid {$1000.00} to that account. When I notice the problem tried to contact with chase bank and ask them for help - that was a wrong payment.

My first concern with chase is : When we do the Online banking for bills either they issue a electronic check to the company or if they have their particulars to their system that match - they release the electronic payment. In both way they have the clients particulars - where they release the money or sent check and its clearly a wrong business transaction, why they are not able to contact with that company about the dispute - since both of them are their client.They way JPMorgan Chase, N.A is dealing is totally unprofessional and they refused to investigate the case & don't want to solve the problem. I want help that commercial bank should have responsibility about their clients accounts, transaction, wrong payment, unwanted seals, disputed bills.
Consumer complaint received 2022-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CA)

My mortgage was transfered to Truist Bank for servicing on XX/XX/2021. Was notified all mortgage payments had to be made to new servicer Truist Bank. My payment is principal and interest only as I had opted out from escrowing my taxes and insurance when I refinance with the original lender. In XXXX of 2021 my insurance was going to renew so I decided to shop around as the premium was going to increase. As I shopped around my insurance lapse for a few days as was trying to get a better quote from new insurance company. During this period Truist Bank sent letter to provide proof of insurance coverage otherwise they would force place escrow insurance. I finally was able to find a reasonable quote from insurance company after few days later and sent proof of coverage. After the incident Truist decide to charge for the gap in coverage and I thought the problem was over. I later received letter that Truist will now force place escrow payment and my monthly payment would increase. I have tried several times calling to explain why it happened and have them remove the force placed escrow account but per their explanation that the only way I can remove is to refinance.
Consumer complaint received 2021-03-02
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. (VA)

I filed disputes with this credit bureau to receive the same relief that millions of other Americans are receiving during this pandemic. For some reason, I was not given this same benefit. I would like to know why I am being discriminated against. 

I am in a debt management program. Covid has greatly reduced my income making these payments to this program ( and subsequently my payments to the creditors ) more difficult. I reached out to this bureau to have the statuses of those accounts in this program updated to " affected by natural disaster ''. The accounts were NOT updated. 

The pressure on my income and my family is the same as every other family during this crisis. I believe that I should receive the same relief as they do. 

I would like the statuses on the following companies updated to read : " Affected by Natural Disaster '' 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 )
Consumer complaint received 2020-07-20
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC. (VA)

The XXXX XXXX XXXX is not longer in business and cancelled its XXXX XXXX XXXX in XX/XX/XXXXof XXXX as the purchasing agency XXXX XXXX has their own XXXX XXXX account # XXXX. Almost a year of communication with XXXX XXXX resulted in them finally sending us more information on how to return the leased machine. We did so on XX/XX/XXXX via XXXX. We disputed any fees and verified that our written communication to end the lease was received as the new owner has NO liabilities on any previous service agreements/leases etc. When we finally closed the account with XX/XX/XXXXwe were told there was no fees due on XX/XX/XXXX Case # XXXX. The account was closed we were told. XXXX XXXX then referred the matter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and we were contacted by XXXX XXXX on XX/XX/XXXX for account # XXXX. We spoke with the woman and disputed the debt. We then mailed her a USPS letter and e-mailed her at XXXX on/after XX/XX/XXXX a dispute and do not contact letter under the Fair Debt Collections Practices Act. The woman emailed us back that our dispute was invalid. he has continued to contact us, a place of business, even though we told her not to. She did so on XX/XX/XXXX at XXXX XXXX  ; XX/XX/XXXX at XXXX XXXX  and today XX/XX/XXXX at XXXX XXXX. This is harassment and a clear disregard of the FDCPA and we are reporting today to you all for further investigation.
Consumer complaint received 2019-06-03
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. (TX)

ftc was sent the tu and XXXX has failed me to do anything XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-20
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

Conn 's text me early this morning offering a settlement of 85 % against my outstanding balance of over {$3500.00}. I immediately, call XXXX to a take advantage of the offer. I spoke with the representative then calculated amount that was only much different than my calculations. I told them that 85 % would be much greater than the outstanding balance. She kept quoting the remaining balance of around {$2900.00} or so. After going back and forwards, I told her that I could send a screen shot of the offer which I did. My phone begin to act up and I had to restart it and the call was disconnected. I explained to them that the settlement was incorrect and that according to what I perceived the offer if 85 % was stated incorrectly, but they said it was not. File will not upload, but I can send in an email?
Consumer complaint received 2020-08-21
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. (IL)

TransUnion and XXXX are fraudulent on my credit accounts XXXX XXXX XXXX XXXXXXXX is fraudulent on my Acct # XXXX. 
XXXX XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX is fraudulent on my Acct # XXXX.
Consumer complaint received 2021-03-02
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a capital one Credit card that has been reporting to my credit reports incorrectly. I have done numerous requests to correct and they keep coming back with entirely different information on each of my credit reports! After my verifications through them as well as the bureaus themselves. XXXX as reporting 1 late with the dates of XX/XX/XXXX. XXXX they reported 2 lates on the dates of XX/XX/XXXX and XX/XX/XXXX. The took the account completely off of XXXX entirely and then it just popped back on with no lates. After tons of hours of verifying, requesting it get corrected, it still reports incorrectly to each bureau and is affected my ability to get credit. It greatly impacts my score and I have been denied credit due to each of the incorrect lates! I need help getting these lates and inaccurate information removed from my credit report as I have done everything I can.
Consumer complaint received 2016-09-06
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: ENCORE CAPITAL GROUP INC. (GA)

MIDLAND CREDIT SERVICES ARE REPORTING INACCURATE INFORMATION REGARDING ME TO XXXX AND OTHER CREDIT REPORTING AGENCIES. THEY DO NOT HAVE THE RIGHT TO PLACE THIS DEFAMING INFORMATION ON MY CREDIT FILE AND I AM REQUESTING PROOF THAT THIS ACCOUNT WAS OPENED BY ME AND WHAT CHARGES INCLUDING ALL RECIEPTS, DATES, AND SIGNATURES TO SHOW PROOF THAT THIS IS MY ACCOUNT AND PROOF THAT THEY HAVE ANY RIGHTS TO PLACE THIS ON MY CREDIT FILE. I WANT THIS REMOVES IMMEDIETELY AND RESOLVE BEFORE I PROCEDE TO HIGHER LEGAL AUTHORITIES.
Consumer complaint received 2022-01-06
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Experian Information Solutions Inc. (IL)

To Experian I am writing this formal letter to inform you that there are a few medical collections accounts on my report that have inaccuracies. And not only does it contain inaccuracies but the accounts and the Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX have violated several consumer laws which I will disclose what statute has been violated. XXXX, XXXX and Experian has also violated several consumer laws. 

But this will be a notorized document and this will be the final notice to request These accounts numbered XXXX and XXXX attached to this letter to be deleted from the file. If these accounts are not deleted a lawsuite will be filed against you.
Consumer complaint received 2020-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I made on online {$31.00} payment to Wells Fargo Credit Card. On XX/XX/XXXX I noticed that the pending payment shown on my Wells Fargo Credit Card was {$3000.00}. I checked my bank account where the payment was taken from and I saw that my balance was a negative amount. Wells Fargo had taken a non-authorized payment of {$3000.00}. I immediately called Wells Fargo Credit Card and they informed me that there was nothing they could do until after mid-night on XX/XX/XXXX. 

I called back on XX/XX/XXXX am time, and I was informed by the Credit Card Department that the reversal on my account would take 2 business days. 

I called am on XX/XX/XXXX to follow up and was informed that it would take 11 business days for the bank to return my funds to my bank account. I informed the person I spoke with that this was not acceptable and demanded to speak with a manager. 

I was then transferred to Wells Fargo Compliance Department who informed me that all she could do was file a complaint against the misinformation. I demanded that this matter be escalated and I was then informed that an executive from Wells Fargo would call me. I have not heard back.
Consumer complaint received 2022-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2022, someone fraudulently deposited a {$1200.00} check into my checking account. The banking institution used for the deposit was made about XXXX miles away from my residence and local banking branch and most likely garnered my checking account number through social engineering and forged my signature. 
On XX/XX/2022, this same person made an in-person withdrawl of {$500.00} against my account at a different branch which was found to be in a neighboring state. 
A customer service email was sent following these transactions on Wednesday XX/XX/2022, a customer service email was sent to me asking me to complete a survey regarding the quality of customer service. This flagged me to look at my account as I did not utilize or interface with any customer service representative in recent days. In seeing this email, I looked at recent activity and found the fraudulent deposit and withdrawl. This was found late in the business day on XX/XX/2022. 
XX/XX/2022, the account holders, myself and my wife, visited our local branch to file and report the fraudulent activity. 
XX/XX/2022, after visiting my local branch for a status update, I was told that this claim was denied after reviewing " proper documentation ''. I asked if video was reviewed and it the representative confirmed that video evidence was not reviewed. I've asked a different representative to re-open the claim. When examining the signatures on the deposit and withdrawl, they do not match my signature as I always sign my middle initial and that is excluded on the manual transactions.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/2020 I notified all three bureaus of inaccurate data reporting for the payment history on my credit file For XXXX  XXXX XXXX Account # XXXX. XXXX  saw they were reporting inconsistently and removed the error. Experian and XXXX  failed to do an actual investigation into the matter since they are still reporting data which isn't consistent which makes it inaccurate because they get the data from the furnisher. Experian is reporting a 30 day late in XX/XX/2020 and XXXX  is reporting a 30 day late in XXXX they both can't be accurate. While I am writing I should include the other inconsistencies as well The last payment reported for Experian is XX/XX/2020 with XXXX  saying XX/XX/2020.