davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

In XXXX at the age of XXXX, I purchased my first home. The loan was an 80/20 interest only loan ( which is terrible, my fault for agreeing to that ugly loan for {$220000.00} ( 1st was XXXX 2nd was XXXX XXXX My loan ended up going through the Bank of America and Merrill lynch mortgage buy out/mortgage melt down. 

The economy crashed soon after, forcing me to seek modification options. XXXX XXXX XXXX ( servicer ) informed me of the HAMP loan modification program, however I was told I had to be delinquent, and I was advised to stop making payments in order to qualify, which was wrong. I stopped making payments, which sent me into my first Foreclosure. I proceeded with the HAMP modification through XXXX which took an entire year to complete. I was assured my 2nd mortgage would be written off as part of the modification. Fast forward 9 years later ( XX/XX/XXXX ) a gentleman knocked on our door claiming he owned my 2nd mortgage. I told him my 2nd was written off in XXXX, he disagreed and attempted negotiation, this seemed very suspicious and uneasy seeing he would attempt to negotiate on a loan outside of a financial institution. My credit shows nothing for a 2nd mortgage. An XXXX representative informed me that the 2nd note was moved out of XXXX during my HAMP Modification, before it was completed. 

Since then weve spent months just trying to find out who the investor is on both our 1st and 2nd mortgage. Every time we request this info from XXXX, we receive documents stating the investor is XXXX XXXX. Weve called XXXX XXXX several times, and they are unable to find myself or loans in the system. XXXX also sent a letter stating Unfortunately we do not have a Hello letter evidencing this transfer, or a Goodbye letter due to the account status. 

After doing much research the note has been moved from several servicers and lenders. Ive called every servicer and lender involved.including Bank of America, XXXX XXXX, HUD, The US Treasury, FBI, several Lawyers and the Attorney General. Unfortunately Im finding it impossible to get help from anyone. 

Its apparent that Ive been a victim of Predatory Lending/Mortgage Fraud from the origination of my loans, and continuing ... 

*Rushed to sign - after viewing property, was given 1 hour to sign *Interest only for first5 years *High APR ( 9.2 % on 2nd ) *Large Ballon Payment ( $ XXXX on 2nd $ XXXX on Hamp ) *Bait and Switch tactics *Inadequate and False Disclosures includingforgery of initials ( HAMP ) *Investor that purchased 2nd showed up at residence several years after modification ( statue of limitations in question ) *Note moved several times to unethical entities *Equity Stripping ( Offered by investor ) *Documents seem to be altered I am now in jeopardy of myself, fianc and XXXX year old daughter being XXXX, as this small investor has somehow gone through a foreclosure, even while I am still the note holder of the 1st mortgage and while the Pandemic Foreclosure Moratorium rule has been in place.
Consumer complaint received 2021-05-04
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I've been receiving funds on my bank of america prepaid card from EDD unemployment insurance. After receiving two recent deposits equalling approximately a little over {$1300.00} from the Unemployment insurance. There was then two unauthorized withdraws from a XXXX XXXX  atm on XX/XX/XXXX and XX/XX/XXXX totalling {$1200.00}. One withdraw of {$880.00} and another of {$400.00} leaving the account with {$40.00}. Upon seeing this, I immediately contacted bank of america prepaid, I want to say around XX/XX/XXXX and filed a fraud claim on the transactions.They filed it and then told me to discard my prepaid debit card and that a replacement would be sent. The replacement was not sent instead I received a notice in the mail stating that because of concerns of my account being subject to fraud or suspicious activity that they have placed a block on the account and would take no further action. Also that if I wanted to have them reopen the claim to reconsider this to contact a number. I also did this. I am now attempting to file a police report to fax to them to back up this issue.I feel like bank of america is doing nothing to really see that this was fraud. The location of the XXXXXXXX XXXX atm withdrawal is a bank very close to an bank of america atm that I used once to withdraw money. If they look at all my transactions I either transfer the funds to my bank of america checking account or I use there atm but never from an atm with a surcharge fee.
Consumer complaint received 2017-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I 've tried contacting Experian time after time after time about an item reporting on my credit file and every time they send me a letter saying the item has been verified without sending me proof of how they verified this item. My letters that I sent over provided detailed dispute requesting that they validate this item and send me proof that it 's my account along with the proof they received proving this. If they used real people to process and read a letter that I sent I think its clear that this item has errors that show it 's not a valid item its listed that its a 156 month term with a {$300.00} payment on an {$8600.00} loan it does n't take a rocket scientist to know that the math does n't add up and either Experian isnt really verfiing the info and are allowing wrong info to be reported which is a violation of the FCRA or my request is just being ignored which is also a violation of the FCRA. They should n't be allowed to continuously ignore consumers request and provide only half the info requested without showing proof of what info I asked for.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected.
Consumer complaint received 2020-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Certified Mail tracking # XXXX XXXX XXXX XXXX XXXX of the last letter,
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Reached out about a XXXX XXXX XXXX collections account fraudulently listed on report that caused a denial of a {$89000.00} dollar loan to process. XXXX, XXXX and Equifax claimed to have used information services to properly examine the validity of the account. The creditor and the collections agency reached out citing that they believed the account was fraudulently listed on my records- which contradicts what all three credit reporting agencies said. As a result formal civil charges for the demand of {$89000.00} from each credit reporting agency will be placed into civil suites due to violations and misrepresentations of the FCRA. For essentially wrecking my credit after those companies fell victim to data breaches themselves.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX EQUIFAX INFORMATION SERVICES XXXX XXXX XXXX XXXX, GA XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The accounts listed above 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

*** I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND EQUIFAX DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ). 

BEST, XXXX XXXX Without prejudice, all natural inalienable rights reserved.
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act XXXXt Account # XXXX, 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
Consumer complaint received 2018-07-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (OH)

PROCOLLECT INC # XXXXhave a a unverified account from PROCOLLECT INC . I had previously disputed this account. I have never done business with PROCOLLECT INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that PROCOLLECT INC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PROCOLLECT INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt. I need a physical copy for my records a contract, proof of claim, or any signed documentation for my review.
Consumer complaint received 2021-11-11
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Glass Mountain Capital, LLC (IL)

I received a letter dated XX/XX/2021 from Glass Mountain Capital LLC. I did not give Glass Mountain Capital LLC permission to contact me. Glass Mountain Capital LLC used obscene language by alleging I owed a debt. The alleged debt is disputed. I do not have a relationship or contract with Glass Mountain Capital LLC.
Consumer complaint received 2021-07-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (VA)

On XX/XX/XXXX I established an account with Coinbase.com via a referral. 

On XX/XX/XXXX I scheduled a transfer of {$100.00} from my bank to Coinbase. The funds appeared available in my account. I purchased {$1.00} of the XXXX cryptocurrency and was charged a {$0.00} fee on XX/XX/XXXX. 

On XX/XX/XXXX Coinbase informed me the transfer had failed. I then attempted to make a transfer from other accounts but they were repeatedly denied. On the same day I contacted Coinbase about closing the account and paying the balance due. 

Coinbase has repeatedly emailed me to request payment and I have continued to try to send them money but they will not provide a path forward. Their support seems to say they will not accept payment until I provide a photograph of my ID. I do not feel comfortable sharing this information. I lasted emailed them XX/XX/XXXX and they promised they would get back to me but have not yet. 

I would like to send them the balance due and terminate my relationship with them. 

The case number with them is : # XXXX
Consumer complaint received 2020-09-04
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: TRANSWORLD SYSTEMS INC (NY)

XXXX  These 4 accounts are not mine. They are fraud and were possibly opened under my identity but I am not aware of how they got started. Under rule 609 they must produce the documents used to open the account or remove. I have written letters, called and no one helps. This is not right. The 4 Accounts and the balance are : 1 XXXX. {$7300.00} 2. XXXX XXXX XXXX. {$400.00} 3. XXXX XXXX {$220.00} 4. XXXX. {$1100.00}
Consumer complaint received 2022-07-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (FL)

On XX/XX/2021, I opened an online savings account with CitiBank to potentialluy yield a much higher interest on my savings. 3 months after having the account, CitiBank decided to close the account without any warnings. I immediately contacted CitiBank customer service to rectify the issue. Customer service pulled up my information via account/bank card number and verified my information. After reviewing my account information they informed me that the account has been closed and is under further review and can not discuss any further details, and immediately hang up the phone. it's been going on 4 months now and I still have not received any notice or update from CitiBank regarding my account or refund of the funds that was in the account. every time I call customer service it's the same situation. once they pull up the account they hang up the phone after letting me know that they can not discuss the account This is very frustrating because I had over $ XXXX in the account that I no longer have access to. I feel like I've been robbed by the ones whom I've entrusted my money
Consumer complaint received 2022-04-01
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: Experian Information Solutions Inc. (AZ)

I have already reached out with certified mail with tracking of the recipient to XXXX You XXXX XXXX XXXX XXXX at XXXX XXXX XXXX BROKE NUMEROUS LAWS INCLUDING 15 USC 1681 ( b ) ( 2 ) permissible purposes of consumer reports section 2 states 'in accordance with written instructions of the consumer to whom it relates '' ... you are only allowed to furnish anything on my credit report if you have written my written consent. you furnished derogatory information on my file which has ruined my financial reputation. furthermore you also are in violation of 15 USC 1692 ( g ) by not communicating to me of the alleged owed debt first. your first point of communication was on my consumer report as my proof shows you reported on my credit XX/XX/2022, Then you reached out to me on XX/XX/2022 A DAY LATER. that's against my individual right to privacy. ALSO this is false and misleading representations pursuant to 15 USC 1692e showing a positive balance of XXXX. I the consumer can not pay on a positive balance is this a balance you owe me? remit payment to me as you are required you have 30 days from this notices to respond. All docs were signed and ready for possible litigation I don't want to result to this but I have no choice but to protect myself as the consumer and natural person this has been an infringement upon my rights and has been a form defamation of character, negligent Enablement of identity if Fraud, FDCPA 15 USC 1692G, FDCPA 15 USC 1681 violations for willful non compliance 616. civil liability for willful noncompliance ( 15 USC 1681n )
Consumer complaint received 2020-09-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

i sent in several documents to the bureaus about accounts that dont belong to me for the last past months, i have been a victim of identity theft i never recived anything months later nor was the accounts removed, they acting as if i never sent anything in because i didnt get anything from either bureau i tried calling experian cant get through tried to send fax it kept saying line busy, equifax i was on hold forever i haven't tried to call XXXX  yet but i did mail off to them also.
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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
Consumer complaint received 2021-05-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-19
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: Total Card, Inc. (MA)

How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2018-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

Citibank closed 3 of my credit cards onXX/XX/XXXX, I did not request the closing of any of these cards. 

XXXX XXXX XXXX, Best Buy, and Citi DoubleCash. 

This complaint is regarding my Citi Double cash. 

I never been late on payments for any of these cards and I always paid them in full, except for Best Buy card that I had purchased products with free interested finance. 

My CitDouble cash also had about U {$30.00} dollars in cash back that they say ill not get it since my account was closed. 

They sent me a letter saying if I want a explanation I should call a number and ask or send a letter. I called the specific number put people cant tell me the reason why my cards got canceled, customer service keeps saying I need to send a letter requesting information. Why does it mention to call the number on the letter if I need to find out the reason why my account was closed? 

I really don't care about the cards cancelation since I have others. What is unfair is that they kept and won't pay for my rewards / cash back. Thats robbery, scam like. 

I cant access my information regarding my rewards online since they don't make it available anymore due the closing. Luckily I requested my last statements where I can see rewards amount. 

I just want what is mine since I earned it using my credit cards.