davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

XX/XX/2020 I authorized XXXX XXXX to charge my business debit Visa card for a purchase which was never filled. I waited weeks before giving up with the vendor and then contacted Bank of America to start a dispute. Dispute was opened first week of XXXX and was told a provisional credit would given while they investigate especially since I supplied proof of tracking info and that package never left there store. Few days go buy no credit, so j call then Im told that they would issue credit but I would have to wait 30-45 days for investigation to take place. 45 days come and I call and they say need to wait 60 days because Merchany hadnt responded. 60 days was on XXXX I called and they said that credit should be issued soon, few more days go by I call and now Im being told it was 90days to complete investigation new date is XXXX. I call on XXXX and they tell me it should have taken place just waiting on visa to reverse the transaction. BofA would follow up with me by the end of bussiness that day. I never got a call or email. I call again and after 2 hours on the phone i get someone that can look up claim and tell me that all the other reps misinformed me and that there is no time fram and that we just have to wait for the merchant to make decision on there end or respond to dispute. So hypothetically rep said it could take another few months or years. No guarantee even no Im the victim and have proof
Consumer complaint received 2020-06-26
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. (CA)

On XX/XX/20, I paid and settled my XXXX  XXXX XXXX credit card in full for {$1200.00}. 
The information was correctly updated on all 3 credit bureaus, however, a week later, it was updated that there is still the balance owed. 
Ive disputed it twice with the credit bureaus showing proof of settlement and payment. However, XXXX XXXX XXXX continues to verify a balance is still owed. XXXX XXXX XXXX will not fix the issue either.
Consumer complaint received 2018-03-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Over the past several years, Portfolio Recovery Associates, LLC has been calling me and sending me my personal information ( name, social security number, bank account numbers ) by mail. I have sent two cease and desist letters. I have also made numerous attempts and requests to not be contacted further via phone and email. They have attempted to call me while driving, at work, and at home. They denied receiving any cease and desist letter. I believe that they are trying to get me to send a letter that might re-open their statute of limitations on collecting this alleged debt. The statute of limitations should be over ( the debt originated sometime betweenXX/XX/XXXX-XX/XX/XXXX, as far as I recall. ). I reported this as fraud. It has been removed from all credit reports. The alleged debt amount is unable to be collected otherwise ( IRS, small claims, etc. ) since it is extremely small. I feel I have been harassed for years over a fraudulent claim and an alleged debt that is less than {$200.00}. I will be contacting Consumer Financial Protection Bureau and the California Attorney General 's Office to make a formal complaint and ask for an investigation as to whether Porfolio Recovery Associates, LLC is abiding by The Fair Debt Collection Practices Act. Thank you for your time and consideration in resolving this matter.
Consumer complaint received 2018-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US) (VA)

Received a letter in the mail from Allied International Credit Corp. , ( US ) on behalf of XXXX stating I owed {$170.00}, and that it needed to be paid. The letter is dated XX/XX/18, {$170.00} is the said debt owed.
Consumer complaint received 2021-03-04
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC. (NY)

I am writing in today in regards to my prior account with Ally Financial account # XXXX. I completed the term of this loan without any incidence. I received a bill for some damages on the car I informed Ally several times that I had a damage waiver and even supplied them with it to no avail. I later received a bill for {$16.00} dollars which I paid immediately. Ally confirmed that it was an error on their part and this should have no impact on me. Yet on my credit report it is showing a paid charge off.
Consumer complaint received 2018-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX applied for XXXX XXXX by Chase Bank credit card. 
XX/XX/XXXX called in regarding for application status. 
The rep told me I was denied.
Consumer complaint received 2018-02-16
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. (PA)

XXXX has several loans on my credit report as open even though I had consolidated and have been paying XXXX for over seven years. they keep updating my credit report with an increasing balance. I have contacted XXXX and they have no record of having an account with them. I've have tried disputing on my credit account but they come back verified and accurate. please help.
Consumer complaint received 2023-01-28
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. (WI)

I have notified TransUnion several times that I didn't authorize these companies to run my credit and also that there was no firm offer for credit either. I have asked for verification documents and TransUnion has failed numerous times to give me those documents. 

Remove these inquiries. I did not give consent for them to have access to my credit report... 

XXXX XXXXXX/XX/XXXX this account was removed due to identity theft. Remove the inquiry. 

Rise XX/XX/XXXX this account was removed for identity theft. Remove inquiry. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX this account and inquiry has been reported as identity theft and the company confirmed this with me.
Consumer complaint received 2020-11-12
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Consumer Collection Management. Inc (IL)

I Have received repeated threatening, and harassing phone calls all day and night from Consumer Collections Management. As well as calling, and hanging up on me and my family. The company Consumer Collections Management claimed I owe XXXX that I do not owe from any Rental company I never rented with. I have no connections with or any financial obligations or business regarding any outstanding Debt with anyone or this company. Consumer Collections Management has also continued to threaten me, and my family saying if I don't pay this unknown debt collection amount they will place it in my credit report. I will not be paying this unknown debt.
Consumer complaint received 2018-02-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IL)

On XX/XX/XXXX XXXX XXXX came into an account and contract that was owned by XXXX. On XX/XX/XXXX, the account is placed on my credit reports. There is no warning, no letter, and how they have tied this account to my identification is a wonder they still have not explained. I have sent 2 faxes to the fax number attached to their company in Washington. I have also sent 2 letter. I never received a letter informing me of this account because I would have easily been able to disprove it being mine. This is the lone collection on my reports and it has shot my score all the way down. XXXX XXXX has been completely reckless in it's handling of my personal reports. I have no contract to pay XXXX XXXX ANYTHING and they have no legal leg to attempt to collect as well as damage my report.
Consumer complaint received 2021-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (MD)

I have a PMI on my Suntrust Coventional Mortgage. This PMI is due for removal and i have been trying to have Suntrust send me the necessary forms to begin the progress. My request for the forms have been pending with them since XXXX and I keep getting run arounds. I am not even been afforded the opportunity to complete the necessary forms to begin the process of removing the PMI from my mortgage. The effect is that I am forced to continue paying the PMI even though the LTV qualifies for the PMI removal. 

I am placed on more than 2 hours hold each time i call the Suntrust Mortgage. My request is to
Consumer complaint received 2021-07-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have sent out an complaint about inaccurate information that is being report on my credit report. It has been well over 30 day with no responds as an consumer under 15 USC 1681 ( a ) under the exclusion section under ( b ) anything that was extended or authorized from my credit card should be excluded from my consumer report.
Consumer complaint received 2020-11-12
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc. (IA)

I received my first letter from this company just a few weeks ago. Since then they have called me and made sure to flag my credit report on a weekly basis as a collection account. I have several issues with this collection account. 

1. ) It appears that they are not licensed to collect in Iowa. Please see attached.

2. ) Their aggressive tactics.

3. ) I have never signed anything or agreed to do business with this company.

4. ) They show an incorrect/incomplete account number so there is no way to verify that it is mine.

5. ) They show it as a collection account with a balance. My understanding is that collection accounts are not supposed to show a balance. 

To my knowledge, all of the above issues are violations of the FCRA and I would like them to immediately stop trying to collect from me and to remove their collection account from my credit reports.
Consumer complaint received 2016-02-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (GA)

Im a victim of a Toxic mortgage i have a change of circumstance XXXX Veteran I have medical hardship ocwen failed to apply payment on time putting me in default denying me the a hamp modification relief that i am eligible for lost documents -improper fees preditory lending practices - providing false or misleading reason for denial of Hamp modification
Consumer complaint received 2019-05-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NC)

Subject : K-1 statements Have received three letters from Wells Fargo explaining that they had a system error and that the K-1 statements would not be sent until they were satisfied that the data was correct. First letter received mid XX/XX/XXXX, second received mid-XX/XX/XXXX and just received the third letter yesterday, all saying the same thing. In the mean time, all tax filings are being held up until these statements have been received. Wells Fargo is incapable of providing any meaningful data about how long this process will take. In addition, they have not disclosed process for late payments or penalties incurred as a result on taxes due to their inability to provide the proper information. My guess is that hundreds, if not thousands of other Wells Fargo customers have been left to hang out to dry while we all await for some meaningful data to resolve this issue. Lack of accountability seems rampant in this organization! Anything you could do to help would be appreciated by me and hundreds/ thousands of others as well.
Consumer complaint received 2022-01-07
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX XXXX I was going over my credit report and I noticed that there are a few late pays the are showing 30 days. My income was impacted by the Pandemic Shutdown and I was looking to get some accommodations under the CARES ACT to help protect the integity of my credit. I was needing my following accounts to refected a current status due to the impact of COVID-19 : XXXX XXXXXXXX XXXX XXXXXXXX ( 30DAYS ), XXXXXXXX XXXX XXXXXXXX # XXXX XXXX XXXX 30days ), XXXX XXXX XXXX  # XXXX ( XXXX 30days ). 

I have addresses showing that do not belong to me. I never lived at these addresses please delete:XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX.
Consumer complaint received 2020-11-12
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: EQUIFAX, INC. (CA)

XXXX XXXX does not report my balance correctly every month to credit bureaus. Repeatedly this company willfully harmed by reporting fraudulent balance to Equifax, XXXX and XXXX - these companies harming my credit score every month. For example, the correct balance of XXXX XXXX is XXXX.
Consumer complaint received 2020-11-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

Bank of America added {$1700.00} on my Escrow account which has nothing to do with them. I pay my escrow through my primary mortgage. I have tried many times to find out why this happened with many unsuccessful attempts. Ive called many times and have been refused to speak with anyone in the Escrow analysis department nor have I received any explanation on why this happened. I have sent messages with no response. The messages were sent back and acknowledged on the XXXX of XXXX, 2020, yet still no response. Ive been given a forbearance until the end of XXXX for a payment arrangement but however still no response or explanation on why the escrow amount that was charged to my account. Ive have told them many times this gets paid through primary mortgage. Ive spoken with my primary mortgage and theyve heard nothing from Bank of America regarding this matter. I would like to know how legally Bank of America can put charges on my account that arent mine and inflate my now due. Please help.
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 hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX
Consumer complaint received 2018-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc. (FL)

To whom it may concern : I am writing this letter to dispute several inaccurate accounts reported to my credit. 
I would like assistance in investigating these items as soon as possible. 
Some accounts to my personal knowledge are paid in full or were reported to my credit under fraudulent activity. I am able to provide records and documentation to assist in repairing my credit at request. 

I appreciate your time and dedication to helping me with this matter. 
Please contact me for additional information or questions you may have. 

sincerely, XXXX XXXX
Consumer complaint received 2020-08-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (AZ)

A man said that he would sell me an iPad and that I had to pay him via Venmo. We agreed that if I did pay him that he would send my item via mail. He has failed to do that and I have spent my money without receiving any good or service in return. Venmo refuses to help me and has not done anything to help me gain my hard earned money back or get them to ship the item I never received.
Consumer complaint received 2023-01-27
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (TX)

I am a XXXX veteran in Texas. 

XXXX acquired my XXXX XXXX I did my research and learned that NationStar/Mr.Cooper is not allowed to handle VA mortgages XXXX 

XXXX arrived a few months months later. 

I started the COVID forbearance plan when NationstarXXXX Mr. Cooper offered the forbearance plan to me.

As I just started my business I did not qualify for any assistance. 
Self-Employed : No unemployment Self-Employed : No PP loan as I did not have a financial record to show cash flow. 

Under verbal communication I was told at the beginning the loan would be modified and the loan would be modified and a refinance option would be available when I would be able to start making payments. 

I tried selling the home with the XXXX forbearance price that Nationstar/Mr.Cooper said was the adjusted cost of the mortgage. The house never sold as it was overpriced. 
When I told Mr. Cooper the forbearance fee was to much and the house was priced out of market, Mr. Cooper would not lower the fee or negotiate a settlement. 
When I reached out for assistance the forbearance fee was so large, I did not qualify for assistance. 

I had to file for bankruptcy to try to save the house. 

Mr. Cooper priced the house of market and I could not sell the house. 

Even when I was on a contract making {$500.00} a day, Mr. Cooper refused to take payments on the mortgage. Mr. Coopers response stated that I had to make the COVID forbearance fee in full. 

I have had multiple attorneys tell me that Mr. Cooper violated multiple laws, but I can not afford to add more legal fees on top of my Dad 's medical fees. 

My Dad who is also a XXXX veteran has to stay in veteran community home because I have no idea when I will be forced to leave this residence. Therefore I can not have my Dad live with me for his end of life.
Consumer complaint received 2020-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

I attempted to use my Citi credit card on XX/XX/20 and the charge was blocked or closed ( both terms used by the Citi ). There was no reason that I was aware of that the card should be invalid. When I called the Citi fraud unit, and provided the asked-for password, the representative ( speaking broken English  ) refused to help, refused to connect me to a supervisor, and told me a letter would be mailed to me ( not received ). 

Thus, I was shut out from understanding if/what fraudulent activity had occurred, which prevented me from filing a police report in the proper jurisdiction. Or possibly there was some internal failure at Citi. Either way, I have no account access, and no ability to gain that knowledge until a lawsuit is filed and it is adjudicated. 

A credit card company should be required to communicate with card holders in a timely and responsible manner. By maliciously keeping me in the dark, Citi is free to engage in violations of the Fair Credit Reporting Act and Fair Credit Billing Act by refusing me access to billing activity, which may result in erroneous credit reporting. 

Citi has a notoriously bad reputation, as evidenced by the litany of lawsuits on record, as well as the numerous enforcement actions and judgements brought by various regulatory agencies. Citi also has a notably worse reputation among all credit card issuers from among law enforcement and fraud investigators who have to deal with Citis incompetence. Not to mention the F rating at the XXXX  XXXX  XXXX. 

This company should be out of business. Hopefully, this information is of assistance to the CFPB, regulators, and legislators.
Consumer complaint received 2021-03-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: FISERV INC. (SC)

I was using clover XXXX XXXX for both of my XXXX, note I have been using this service since XX/XX/2020. The week of XXXX XXXX, I XXXX  many vehicles due to tax refunds dropping and I used my clover flex machine to process these transactions, all approved! Immediately, the credit risk department raised red flags and held my funds. The total amount was {$22000.00}. They only gave me a partial of my funds in the amount of {$10000.00}, and continued taking fees out of my account. They rejected {$5500.00} without even notifying me to let me know. All of my XXXX  have their XXXX, and I have not even half the money. They asked me 100 questions, made me send XXXX XXXX XXXX ( XXXX ), 3 months of bank statements ( which made NO sense ) and told me my funds were to be released within 24-48 hours. I keep getting the runaround. They are now saying they refunded my XXXX of {$3500.00}, which has not even been processed, and NOW saying they are holding on to the rest of my funds and terminating my account. I have XXXX kids and trying to make an honest living out of what I have, how is this legal? I need to know my options.