davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-17
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BSI Financial Holdings, Inc. (GA)

In preparation to close on XX/XX/2020, I was asked for a Loan Pay Off Statement. I called XXXX XXXX, which is who was the original name on the loan and was then notified that the loan was transferred over to BSI Financial. Once I was connected to BSI Financial, they sent over payoff statement showing that there would be a {$15000.00} extension fee which included a {$300.00} inspection fee, and a {$2200.00} escrow charge for taxes and insurance. I already paid the insurance, so I do not understand the charge. 
I called BSI to ask about the two above charges and they were very rude telling me that in the small print it states that there may be an  extension charge. They would not answer nor discuss any thing with me. When I asked for them to send the paperwork on where I signed for an extension, they sent over someone elses paperwork. This shows me that they typically have paperwork for extensions. They never had me sign nor even discussed with me about an extension. 
The said the loan was due at the beginning of XXXX some time. I did not receive any documentation stating that the loan was due. Nor did I receive any documentation about extending the loan nor agreeing to any fees. I was not given the opportunity to see what other actions I could have taken without being hit with a {$15000.00} fee! In XXXX I did receive a call asking me if they wanted me to take the loan payments out of my account. They stated at the closing that was me giving them authorization to extend the loan. No where on that call did she state that by me giving them authorization to take the money out of my account meant that I was agreeing to be charged an extension fee OR that I was even extending the loan. 
Attached are all the documents that I have pertaining to the loan via me and XXXX XXXX/BSI Financial. In the original documents received from XXXX XXXX it stated that I would receive written notice. I do not understand how a financial institution can charge a large fee without having anything in writing. All extension with their other clients appears to be in writing giving them authorization to extend the loan. ( A sample is attached that was accidentally sent to me from BSI ... they were  telling me that I signed an extension. When I received it, I realized that it did not belong to me and they had it filed under my account. ) I was not granted the same opportunity as this other person ... .to sign and agree to the extension.
Consumer complaint received 2020-09-17
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

In XXXXXX/XX/XXXX, i opened a Walmart credit card account ending with XXXX, and payments were made to Walmart 's service company XXXX   XXXX. 

Account was in good standing before XX/XX/XXXX took over. So much so that XX/XX/XXXX sent me a check for {$340.00} for over payment and then i was denied access to my account and the account as it stands is {$54.00} over payed. 

Sometime in XX/XX/XXXX, XX/XX/XXXX became the service company for Walmart and the account was in good standings. 

On XX/XX/XXXX the credit card account was interrupted and I was told there was a restriction hold on the account. 

On XXXX XXXX, I called into the designated contact number to remove the hold ; I identified myself by answering all security questions ; i was sent a verification code via text, and i was denied access to the account after verifying my identity. 

I then was given a link to send in my identification ( ID ). I sent both my XX/XX/XXXX ID issued by my XX/XX/XXXX government, and also a credit card, as a 2nd form of ID. 

On XX/XX/XXXX, i was called by a representative XXXX from the fraud department, and she denied me access to my account, i asked for a supervisor. i then spoke to XXXX, employee ID number XXXX who also denied me access to my account. I asked for her superior XXXX, employee ID number XXXX and he also denied me access to my account because they stated they were not able to use my tribal identification issued from a tribal government for verification. i asked them for their policy in writing, they all refused. XXXX, XXXX and XXXX all denied me free access to my account based on my nationality as a native XXXX of the XXXX XXXX tribes, which is discrimination, especially since i am the originator of the first funds, and since CAPITAL ONE is a third party and the original creditor. I have been a customer for many years with the account in good standings.
Consumer complaint received 2022-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (UT)

XXXX XXXX claimed I owed money on a shipment from overseas. I asked the shipper to pay this bill. They did not. XXXX XXXX sent me several bills while I was trying to get the shipper to pay. XXXX sent my account to TransWorld Systems , Inc. for debt collection. Meanwhile I paid off XXXX XXXX. Transworld continues to send me collection notices even though this debt is paid. I would like them to cease and desist.
Consumer complaint received 2021-08-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CO)

according with previous case # XXXX my request for additional 6 month extension was not mention according to the website that I documented. I am receiving 5 months of forbearance initially. I am needing additional 6 months of forbearance to include XX/XX/2021. I am requesting this assistance from this mortgage servicer by XX/XX/2021, according to the HUD website https : //www.hud.gov/coronavirus/homeowners # : ~ : XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX, can % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX. 

This extension needs to be approved.
Consumer complaint received 2020-11-23
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. (MD)

When i checked my credit as i often do, i saw that XXXX XXXX placed a {$10000.00} and {$1300.00} collection on all 3 of my credit reports which is false and untrue. When i contacted XXXX XXXX demanding they provide me with documentation validating this debt pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, they refused to comply within 45 days. Lastly XXXX XXXX has not validated any contract that i consented or agreed to with their company. XXXX XXXX has violated my credit and reputation, i am demanding collections be investigated, removed and communication be ceased from all credit bureaus.
Consumer complaint received 2018-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have been the victim of identity theft several times in the past I have a new identity theft alert on my credit and I have a credit lock placed. There are three medical collections on my credit report that are not mine and were not originated by me. They are the following : 1 ) XXXX XXXX XXXX Acct # XXXX 2 ) XXXX   Acct # XXXX 3 ) XXXX  Acct # XXXX
Consumer complaint received 2018-12-09
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. (FL)

I have been the victim of identity theft several times in the past I have a new identity theft alert on my credit and I have a credit lock placed. There are three medical collections on my credit report that are not mine and were not originated by me. They are the following : 1 ) XXXX XXXX XXXX  Acct # XXXX  2 ) XXXX   Acct # XXXX 3 ) XXXX  Acct # XXXX
Consumer complaint received 2021-01-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Richland Bureau of Credits Medical Service Bureau Inc. (OH)

I have NEVER heard of this company. I have NEVER had any relationship with them. I do not owe them anything. I have always had insurance and never received a bill of any type. I want this to be removed As soon as possible. I have requested documentation and nothing was received. This is unacceptable and need to be removed IMMEDIATELY!!!
Consumer complaint received 2017-12-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. ()

Hello. 
On XX/XX/2017, I did Global Transfer at citibank from the U.S. to the XXXX XXXX and I closed my account. Transfer amount was USD XXXX. 
However, it did n't work and monthly service fee keeps being charged. 
I tried to contact with citibank, but they did n't respond phone call. Because I am outside of the U.S., the phone call is only way to contact with citibank. 
I do n't understand why the global transfer did n't work and monthly fee was charged even if I got receipt. 
Thank you.
Consumer complaint received 2018-12-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A. (FL)

On XX/XX/2018 I made a deposit of {$120000.00} from my attorney with an attorney trust account check. On XX/XX/2018 I was charged ( 3 ) {$36.00} NSF fees even though my account was not overdrawn. I believe that since PNC held funds availability on this deposit, it caused items to be uncollectible. The funds were ultimately released and the deposit cleared with no issue. No sure why I was charged three fees when I did not overdraw my account NSF or uncollectible.
Consumer complaint received 2021-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (AL)

On XX/XX/2021, two fraud charges came in to my card from in store in XXXX. I was in Alabama. I promptly reported fraud to my citi card. They shut my card off and mailed me a new one. They then failed to flag it as fradulent activity. I called again today and inquired why it wasnt taken off and was in fact on my bill and Citi had no explanation. They then verbally berated me when I said their mistake was in violation of consumer finance laws. The charges were for XXXX cents and {$8.00} for XXXX. A company I have neither heard of or ever used.
Consumer complaint received 2017-12-16
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: Navient Solutions, LLC. (CO)

XXXX XXXX is the business and the date is XXXX XXXX, XXXX! I wasnt even in Kansas and if i was i lived in XXXX  XXXX, Ks! The amount is XXXX dollars and its fraud! The company is XXXX XXXX
Consumer complaint received 2020-09-17
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. (FL)

The loans have me late when I applied for deferment. Also I have asked over and over to validate loan it is too, too high, I don't owe that kind of money, I only have 2 XXXX  degrees. I applied for an unemployment deferment and it shows 90 days late.
Consumer complaint received 2020-09-17
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. (FL)

The loans have me late when I applied for deferment. Also I have asked over and over to validate loan it is too, too high, I don't owe that kind of money, I only have 2 XXXX  degrees. I applied for an unemployment deferment and it shows 90 days late.
Consumer complaint received 2022-04-26
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)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 1 ) Account Name : XXXX  XXXX Account Number : XXXX Amount : {$780.00} 2 ) Account Name : XXXX  XXXX Account Number : XXXX Amount : {$660.00} 3 ) Account Name : XXXX  XXXX Account Number : XXXX Amount : {$5100.00} paid by my insurance I also have gap insurance with them at the time 4 ) Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$150.00} 5 ) Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$760.00} 6 ) Account Name : XXXX XXXX Account Number : XXXX Amount : {$730.00}
Consumer complaint received 2024-03-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau Attention : Complaints Division XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Formal Complaint Against LVNV FUNDING LLC for XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against LVNV Funding LLC in regard to a debt that has allegedly been assigned to me. I am unaware of any such debt and have not been given an opportunity to dispute the information provided by your company. 

If LVNV Funding LLC insists that proper notification was given to me, I hereby request that you provide evidence of such notification. Specifically, I request the certified mail receipt with my name on it and my signature acknowledging receipt of said notification. Without this evidence, I have no basis upon which to address the alleged debt. 

Furthermore, I believe that LVNV Funding LLC XXXX have violated consumer protection laws by failing to provide me with proper notification. According to XXXX CFR XXXX ( b ) ( XXXX ), consumers are entitled to clear and timely notification of any debts assigned to them. Failure to provide such notification constitutes a violation of consumer rights. 

I demand that LVNV Funding LLC cease all attempts to collect on this alleged debt until such time as proper notification has been provided and I have been given the opportunity to dispute the information. Failure to comply with this request will result in further action being taken to protect my rights as a consumer. 

Please acknowledge receipt of this complaint and provide a timely response regarding the evidence of notification and the steps LVNV Funding LLC intends to take to address this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-06-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harvard Collections, LLC (MI)

Harvard Collection Services LLC  XXXX XXXX XXXX XXXX XXXX, IL XXXX Is attempting to collect on a XXXX dollar debt that was paid in full over the phone more than four months ago. 

The money came out of my checking and went to XXXX XXXX XXXX XXXX XXXX XXXX IL. 

I hope this hasnt been hurting my credit score for four months because someone scammed me. 

The debt was on behalf of a stay at XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-09-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (NJ)

Today, I got a phone call from " Unknown '' contact number obviously hiding the caller. I picked up the phone and one man was repeating my name. As the caller was blocked I presumed it may be a scam so I asked him who I am speaking to. Then he responded with his name from Midland Credit planning on law suit for the credit debt from XXXX-here, he indirectly confirmed that the company is not the original creditor and tried to make an attempt to threaten me with legal actions. 

XXXX 's the well-known XXXX has a credit line opened with XXXX XXXX  which often work for many other corps for the credit line platform, so I tried to access my online account but I failed to log in. It almost seemed to me they closed the access entirely. So I called to XXXX and asked them why the credit debt balance was sold/transferred to the 3rd party collection company when I already requested the suspension of the payment for Covid-19. And the representative couldn't respond to any of the questions regarding the matter. 

Not to mention being blocked from my own information, XXXX XXXX  didn't even inform me prior to the sudden closure of my accounts. Then this almost fraudulent action made by them, did lead to this unpleasant and threatening phone call that I received from Midland Credit. As per the information provided by XXXX, the Midland Credit took over the debt on XXXX of this year which is still during the pandemic.
Consumer complaint received 2021-11-10
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. (PA)

This is XXXX XXXX XXXX is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021 for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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 2017-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX phone number XXXX, extension No.XXXX is a mean person whom Bank of America has appointed to handle my problem. 

I called him several times and he has n't shown even the slimmest sign to solve my problem. 

He is a Liability on Bank of America who is taking the salary and not performing. 

I called him several times and left voicemails but he does n't even care to call me back and solve my problem. 
After speaking with him, I have got another bill from Bank of America for {$2800.00} and they are asking me to pay {$44.00} every month, what the XXXX.. What is XXXX XXXX doing ????? 

Out of no where I recieved this bill, What is XXXX XXXX doing? Is he on a holiday or a cruise where he could n't pick up the phone?
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MN)

TODAY I SPOKE TO THE FRAUD DEPARTMENT AT EXPERIAN SO THEY CAN FILE A IDENTITY THEFT FRAUD DISPUTE AGAINST XXXX  FOR ACCOUNT # XXXX. DURING OUR CONVERSATION, THE AGENT ADVISED ME TO FILE A FEDERAL TRADE COMMISSION IDENTITY THEFT FRAUD COMPLAINT AFFADAVIT. ATTACHED IS MY AFFADAVIT FOR MY OPEN IDENTITY THEFT FRAUD CASE # XXXX WITH EXPERIAN. I HAVE ALSO FILED A POLICE REPORT AND ATTACHED THE TEMPORARY REPORT TO THIS COMPLAINT.
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL (NJ)

Someone has my information lost my wallet twice XXXX XXXX old navy XXXX  XXXX XXXX XXXX XXXX and many other things are involved i have lot of other things I dont understand how they got there my identification is being used since 1995
Consumer complaint received 2021-01-29
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have Bank of America CALIFORNIA EDD DEBIT VISA ACCOUNT. Due to.faulty chip technology I and a million other people got scammed. I lost {$900.00} on that with precious little help from Bank of America. EDD CLOSED THE ACCOUNTS OF 1.5 MILLION UNEMPLOYED people because of the fraud. As per EDD instructions I faxed and mailed all identity documentation. EDD INFORMED ME THAT MY IDENTITY WAS CONFIRMED ON XX/XX/XXXX. I still have no access to my money. The {$900.00} that was scammed, the {$1800.00} that was still in the account, the certified weeks since, and the Federal Psndemic assistance. B OF A is using {$5000.00} of my money for 3 months so far. B of A blames EDD. EDD BLAMES B OF A. 1.5 million of us have no money to pay our bills with. I have done many hours of useless telephone conversations with both. Please help!!!
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CORELOGIC INC (FL)

I had multiaple inquires submitted by a dealership when I only authorized them to run my credit once. This happened twice. The first set is XXXX   XXXX XXXX, XXXX, AND XXXX XXXX DEALER is dated for XX/XX/2019. XXXX XXXX XXXX and CREDCO IS DATED FOR XX/XX/2019. I did not approve for them to pull my credit this many times. There was a recent event where a mortgage company did the same, the inquires are from CREDCO dating XX/XX/XXXX, XXXX XXXX and XXXX. I would like to dispute these and have them removed from my credit report.