davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In early XXXX I was in the final stages of refinancing my mortgage. Per my new mortgage company, they instructed me to go ahead and make my XXXX payment ( {$2600.00} ) to my current mortgage company ( XXXX XXXX XXXX  ), just in case of a delay in closing. So I scheduled my XXXX payment using my bank 's ( Bank of America ) bill pay system like I have done for the past 5 years for payment on the XX/XX/XXXX. 

On XX/XX/XXXX, we closed on the refinance and on XX/XX/XXXX the old mortgage was paid off. On XX/XX/XXXX the XXXX mortgage payment was sent via Bank of America 's bill pay system to XXXX XXXX XXXX via ACH. On same day ( XX/XX/XXXX ) the draw was returned by XXXX XXXX XXXX  via ACH. 

I contacted Bank of America, and they are pleading ignorance of the issue and refuse to return my money or credit my account.
Consumer complaint received 2017-12-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TN)

On XX/XX/XXXX and XX/XX/XXXX, I submitted inquiries via XXXX 's online system requesting information and an explanation as to how my income based repayments were being distributed amongst my loans. A far larger portion of thte payments is being applied to the lowest interest rate loans, despite my having previously submitted requests, in writing, regarding application of payments ( namely to highest interest rate loan first ). I have been unable to determine whether the distribution of payments ( again, a substantial amount of principal on the lowest interest loans, but only a few dollars on all others ) is required, or whether fedloan should be abiding by my request regarding payment distribution. I found no applicable information on XXXX 's site. XXXX failed to respond - I received neither electronic, written nor telephone response to my question, beyond an email confirming receipt of my submitted inquiry.
Consumer complaint received 2017-12-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (WA)

In XX/XX/XXXX. I was contacted by a realty company advising me of the different options that are available to me. I was never advised by Carrington that there was others options than going through a foreclosure. My realtor has received an offer on the property. I was recently advised that I was denied to participate in a short sale as my account was to much past due. In XX/XX/XXXX my lender was switch to Carrington. In the past was denied a modification and now a short sale. They are insisting that I have to go through a foreclosure and that there are no other options available. I do n't believe this right or correct. Please help me in anyway possible to avoid foreclosure and salvage my credit in order to proceeding with the short sale of the home. We have a far market value offer we 've received on the property.
Consumer complaint received 2023-03-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

MIDLAND CREDIT HAS PLACED A COLLECTION ON MY CREDIT REPORT. I NEVER CONTRACTED WITH THEM. I KNOW THAT THEY BEING SUED FIR MORE THAN {$24.00} XXXX DOLLARS FOR FRAUDULENTLY DOING BUSINESS. THEIR BUSINESS PRACTICES ARE TO HARM CONSUMERS AND I AM BEING AFFECTED BY THIS
Consumer complaint received 2020-12-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (VA)

This debt collection is an attempt to collect the same debt from CFPB case # XXXX. The debt is now under NATIONAL CREDIT ADJUSTAccount XXXX. The debt was deemed invalid due to identity theft.
Consumer complaint received 2020-12-10
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (GA)

XX/XX/2020 6-month interest free loan from Comenity Bank XXXX XXXX XXXX for {$9800.00} XX/XX/2020 Paid {$500.00} XX/XX/2020 Paid {$520.00} XX/XX/XXXX Paid {$1800.00} XX/XX/2020 Paid {$2000.00} XX/XX/2020 Paid {$2000.00} XX/XX/2020 Paid {$1500.00} XX/XX/2020 Paid {$1500.00} XX/XX/2020 Received email notice of a {$750.00} interest fee XX/XX/2020 Sent letter with copy of email to Comenity XX/XX/2020 Sent letter with further information XX/XX/2020 Received letter from Comenity XXXX looking into it XX/XX/2020 Received letter from Comenity that investigation concluded and closed XX/XX/2020 Received notice of a {$750.00} interest fee XX/XX/2020 Because website not available on my laptop ( technical difficulties ) ever - sent a letter of complaint again XX/XX/XXXXReceived letter from Comenity that wsill investigate further XX/XX/2020 Sent letter with check for {$290.00} which is 19.99 % of {$1500.00} which would be the amount still due if Comenity views XX/XX/XXXXas the end of the 6 month agreement Additionally, numerous calls were made and finally a message was sent through the website which again is not available to my laptop but I was able to access on my tablet with the help of a phone representative from Comenity on XX/XX/2020
Consumer complaint received 2020-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
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 (MA)

I see multiple 30-6 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (OR)

I was charged interest twice in XX/XX/XXXX, once from my regular autopayment ( XX/XX/XXXX ), and the second from an additional principal payment I sent in on XX/XX/XXXX. This second interest payment that month still has not been applied even though I have called and spoken to agents numerous times. Also, approximately {$300.00} was added to my balance on XX/XX/XXXX for no apparent reason. They have only sent me a pay off statement which I can find online at anytime, not a full accounting which is what I requested.
Consumer complaint received 2023-03-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (NC)

I attempted to pay my loan through XXXX several times. It was sent on XX/XX/XXXX and XX/XX/XXXX to the po box provided by Heartland ECSI as they claim they do not accept electronic payments I have been trying to address this issue since XXXX. Customer service has shown extreme incompetence when handling this issue. They refuse to track the payment to see if it was erroneously applied to an incorrect account. In addition, it is impossible to even contact Customer Service as the wait time is over 2 hours and they never return a phone call. My credit has been affected and I just want it paid.
Consumer complaint received 2023-08-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Hello, I am writing regarding XXXX overdraft fees charged to my Citizens Bank checking account. On XX/XX/2023, there was a debit from my account for my retirement. The debit was not supposed to occur in XXXX as it was deferred for XXXX and XXXX. Unfortunately, this caused my checking account to go into a negative amount. I obtained credit for the incorrectly charged amount on my retirement account. This was noted in my checking account on XX/XX/2023. In the meantime, my bank charged me XXXX overdraft fees. I contacted the bank on XX/XX/2023, via telephone and was told the bank can only reverse XXXX overdraft fee. I told them that based on the circumstances, it seems unfair not to reverse all three. I also tried going to the local branch on XX/XX/2023, but the teller told me the bank can only reverse XXXX overdraft. She did not bother to listen to the circumstances of my request. I asked to speak with the branch manager but the manager was supposedly speaking with a customer. After XXXX minutes I left. I am looking to have these XXXX overdraft fees removed. Please contact me with whatever information you need. 

Sincerely,
Consumer complaint received 2018-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

ONE MAIN FINANCIAL has reported a loan 3 times and reported that I was delinquent 3 times. The loans have the same open date and I don't owe 3 different balances. I have tried reaching out to the company and they disregard my request to fix it. See page 2 & 3 of the report that was pulled by the mortgage company. ONE MAIN FINANCIAL has single handily kept me from getting into a new home! Please help
Consumer complaint received 2020-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (PA)

Deposited my cards act check. Shortly after the check cleared the bank put a hold on the account. I requested that the account be closed and the funds sent out. The bank has been holding my funds for over 30 days and informed me they would be holding the funds indefinitely.
Consumer complaint received 2020-07-23
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: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

I have MULTIPLE fraudulent accounts opened in my name against my account! I have tried MANY times to get these charges off my credit with a response of, 'its my responsibility to pay. ' The accounts are not mine and I did not open them so I will NOT be paying someone's fraudulent charges in my name. Please get back to me ASAP to resolve all of this. Thank you.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reached out to Transunion on XX/XX/2024 regarding numerous unauthorized inquiries reporting on my credit report. I have not received adequate disclosures for the inquiries reporting on my credit profile and I have received no response. I thoroughly listed all inquiries that are reporting inaccurately and asked to seek immediate attention to resolve this issue as I believe they are in violation of my FCRA rights and breech of privacy. Today, XX/XX/2024, marks 1 month without Transunion responding and I demand attention to this serious matter.
Consumer complaint received 2022-04-26
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report on the previous files. I am a victim of identity theft and did not authorize these charges. I am asking that these charges on my report be removed to correct my credit report. I have already reported the theft to the Federal Trade Commission 's Identity Theft Affidavit. I would greatly appreciate that these charges are deleted from my report as soon as possible because it is hindering me. I would like to advance my lifestyle and I would need these things situated as soon as possible to do so.
Consumer complaint received 2019-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Neon Newco Corporation (VA)

Netspend illegally obtained my name and address. They then sent me a card with my name on it. Since I never ordered this card, I tried calling them. To reach a human being, they forced me to activate my card! This is the ultimate deception. They also refused to tell me which company sold them my information.
Consumer complaint received 2018-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (CT)

lost wallet years ago and i am a product of my negligence of leaving my wallet in a supermarket to only come back and it be gone ever since I haven't had any breaks years of repair is needed to stop these fraud accounts from being resold to new collection agencies act # XXXX
Consumer complaint received 2020-07-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (OH)

On XX/XX/XXXX I sent {$590.00} from my debit card to my debit card that deposit to my bank in Ohio because I was in Texas and due to COVID in Texas there is no walk in branches and there is no XXXX XXXX. I sent the money from me to me so that my bills can still come out my regular checking account. I called money gram and told them I am getting a error and usually it does not do that. The rep said he need additional information. He asked me several questions for which I am not going anything illegal and gave proof of my funds as to where it cAmd from. He said it would deposit in 24 hours. 24 hours past I call Money Gram back to be in hold again and on phone over 2 hours. The next rep transfer me 3 times and tell me about technical issues and they are working on it. Thats not my problem when I legally sent my money to my account and have bills to pay. Especially at a time like now. No resolution of a refund. Nothing but it will refund 24/48 hours. 48 hours later no refund back to my debit card call again a whole different excuse. I am not committing fraud. I sent a legal transfer with no transfer not a refund. So at this point I have sf t 2 emails to the help desk no response or resolution only a case number stating someone will be contacting you. Still no contact nothing other than I have my bills behind due to money gram. Attached is my sent transfer that Money gram failed to transfer. My emails. Plus my proof of funds where my money came from with my transaction history to transfer my money into my bank in Ohio. I have made it back home to Ohio and my money is still just sitting.
Consumer complaint received 2017-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

To whom this  may  concern I 've faxed and emailed Equifax regarding my correct name on my credit report on  XXXX   XXXX ,    2017  also  XXXX   XXXX ,  2017  also  XXXX   XXXX ,  2017 . Included with the fax and certified mail to Equifax was a copy of my Identification and Social Security Card. Every month Equifax updates my name as  XXXX   XXXX   XXXX   XXXX . I have no  XXXX  on my name I 'm a Woman. This error is coming from a old debt collector which is  XXXX . I 've called  XXXX  and they always disconnect the line.  XXXX  is listing inaccurate information on my credit report its stating a charge off and the old account has been transferred to  XXXX  and paid and  XXXX  was the original creditor and they havent changed the information on my credit file. They are reporting my name wrong also to Equifax as  XXXX   XXXX   XXXX   XXXX .
Consumer complaint received 2019-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Alert from Experian on my credit report from XXXX on XX/XX/19, they said I had to contact XXXX in writing, I did. Even though there is an alert on my credit file to call before doing inquiry, XXXX did it. I did not request it. 
They are saying they will not remove it!!
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 — Credit inquiries on your report that you don't recognize
Company: CBC Companies, Inc. (NH)

Over the last couple weeks Credit cards have been tried to be opened using my information. One with XXXX One with XXXX XXXX and one with XXXX. 

When I get the call they have all my information correct except for my email typically. 

the Problem is my credit score is dropping due to the credit inquiries.
Consumer complaint received 2022-04-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

We were scammed out of {$5000.00} via XXXX. 

The scammed sent picture of phony bank account, fake Chase Bank automated messages etc. had us transfer {$5000.00}. 

Chase and XXXX both said we will not be refunded.
Consumer complaint received 2018-06-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Portfolio Recovery. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
Consumer complaint received 2018-06-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX/RESURGENCE CAP. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
Consumer complaint received 2020-11-02
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a prepaid card through BOFA. I live in California there were several withdrawals in XXXX XXXX Nevada until my Account was drained. XX/XX/XXXX {$480.00} XXXX/XXXX {$480.00}. XXXX then {$460.00}. On XX/XX/XXXX XXXX {$460.00} and {$480.00} was withdraw!! Not one time did they alert me. They said they would Reembuirse me. Its been 30 days. Im will be homeless soon. They keep giving me the run around. Its obvious it was FRAUD. Ive been on hold for Over 39 hours between 5 days. They there was a glitch. Im a REAL PERSON. MAYBE {$2300.00} isnt a lot to some people but thats all I had. 30 days waiting now they say it will be another 45 days. This can not be LEGAL. HOW can they hold my money HOSTAGE????
Consumer complaint received 2020-11-29
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)

As indicated by the attached copies of letters and mailing receipts, you have been delivered by registered mail both a dispute letter, dated XXXX, as well as a follow-up letter, dated XXXX. As of this moment, you have not done your duty mandated under the law. Your inaction in this matter is inexcusable, and your disregard for the law is contemptible. Rest assured, I will hold you to account. I also sent a third letter. XXXX. For the record, the following information is being erroneously included on my credit report, as I have advised you on three separate occasions, more than 75 days and again 40 days ago. I feel like I am being ignored! This really is upsetting. I have been having a hard time getting the things that I need simply because my credit is horrible.I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XX/XX/XXXXbreach and may have got into the hands of the wrong person.
Consumer complaint received 2020-08-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XXXX, I have reached out to Mr. XXXX XXXX XXXX XXXX # XXXX XXXX asked about the refinancing mortgage. I was looking to change my job from XXXX to XXXX. I told Mr.XXXX  that I am looking to change my job and the new job may need me to move to XXXX next year. He said it is not an issue if I do not move before the application is done.

So, I proceed with the application and paid for appraisal and XXXX lawyer fees and application fees that Mr. XXXX introduced me. On XX/XX/XXXX, XXXX XXXX ( NMLS : XXXX ) called me stating that he needs an email stating that I am currently working from home. So, I provided the email from HR confirming that I am currently working from home. 

I followed up on XX/XX/XXXX and XX/XX/XXXX, but did not get any response. So, I reached out to Mr. XXXX XXXX on XX/XX/XXXX. Mr. XXXX called me on XX/XX/XXXX that my application is rejected because they think I will move to XXXX. 
I told Mr. XXXX that all my documents I shows that I am currently working from home and all my documents shows that I work and live in NY. I told Mr. XXXX in a good faith that I may need to move next year which he said fine which should be recorded on the line. 

Mr. XXXX said all calls are not recorded due to COVID and can only refund appraisal but can not pay any XXXX related fees. 

Bank of America agent Mr.XXXX  lied to me that it would be okay. I provided all the documents that they asked, but they still rejected my application.