davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-01
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. (GA)

On XX/XX/2018, I received a customer service courtesy call from XXXX XXXX, which stated that my account was 27 days past due and that they were checking with me because they thought it must have been an oversight as I have NEVER had a late pay on my account. I explained to the customer service rep that my bank account had been compromised and I was not aware that that payment had not gone through on XX/XX/2018, as the bank stated that normal payments are usually honored. I immediately proceeded to make the required payment and I confirmed with her ( customer service rep ) that this was not a 30 day late pay to which she agreed. She ( customer service rep ) did proceed to tell me that my account would incur a {$30.00} late fee, however, because the account was not 30 days late, it would not reflect negatively on my credit. She further stated that the payment would be processed on XX/XX/2018 to ensure that there were no mishaps. A few weeks later I received an alert from my credit monitoring service that I had a late payment. I immediately contacted the credit card company ( XXXX XXXX ) at which time they refused to remove the late pay. I asked them to review the customer service call which they subsequently refused to do. This incident has severely negatively impacted my credit and the credit card company has refused to not only admit wrong doing but also refused to remedy the situation.
Consumer complaint received 2022-08-12
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been a victim of identity theft and financial fraud. Starting on XX/XX/XXXX, through as recently as XX/XX/XXXX, I have been defrauded of {$19000.00} through my Bank of America XXXX XXXX XXXX account. 

The very first sign of fraudulent activity on my BoA account was an email I received at XXXX pm XXXX, XX/XX/XXXX from BoA, Bank of America XXXX XXXX XXXX- Card Added to Another Account stating, The card ending in XXXX that is associated to your account was recently added to another account I have never added my BoA card added to another account. I was unaware this was even an option. 
I have, since my BoA XXXX XXXX XXXX account was opened in XX/XX/XXXX, had no other accounts with any banking institution. 

XX/XX/XXXX I phoned BoA XXXX XXXX XXXX at XXXX pm XXXX, to ask about the XX/XX/XXXX email and the security of my account. BoA advised me to treat the XX/XX/XXXX email as fraudulent, to forward the email to XXXX, that BoA had not sent me the email I received on XX/XX/XXXX, at XXXX pm PST. I was further advised that my account was secure. 

This constitutes a major error on BoA 's behalf, as the XX/XX/XXXX email was in fact the legitimate result of the XXXX XXXX, someone other than myself, fraudulently accessing my BoA account and adding a fraudulent transfer account ending in XXXX, routing XXXX to my profile, to which they would fraudulently transfer {$3000.00} via a XXXX XXXX XXXX XXXX later that same day, XX/XX/XXXX. This began the subsequent XXXX week run of {$19000.00} in theft from my account. 

This recently uncovered detail, can be confirmed by BoA 's call logs and notes to my account regarding our interactions. 

I currently have an open claim with BoA for the most recent {$8000.00} in theft of my funds. However, I am lawfully due a full refund for everything that has been stolen from my BoA account. Every single transaction relating to the {$19000.00} in question was verifiably fraudulent. I did not authorize, nor was I involved in any of these transactions. 

These new details regarding my very first interaction with BoA regarding this fraud on XX/XX/XXXX, need to be taken into very serious consideration while investigating all of my claims. BoA 's response to my inquiry on XX/XX/XXXX was, at the very least, extremely bad advice. To me and the detective working my case ( XXXX ) with the XXXX XXXX Police Department, XXXX XXXX XXXX Detective XXXX XXXX, what BoA told me on XX/XX/XXXX, sounds more like misinformation, or potentially, fraudulent information.
Consumer complaint received 2019-08-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: OPORTUN FINANCIAL CORPORATION (CA)

This company oportun XXXX XXXX XXXX XXXX CA XXXX put a XXXX XXXX   judgement against me for loan I never had I sent them my driver license ssn police report and sign afadavit this wasn't me I had my bank account debit and identy stolen they need to take this off asap .
Consumer complaint received 2022-08-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
Consumer complaint received 2019-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2019 I attempted to deposit a check into a Bank of America ATM that malfunctioned.  The willful failure of Bank of America to respond appropriately resulted in submission of CFPB complaint XXXX    on XX/XX/2019.Bank of America continued to refuse to respond appropriately in an attempt to prevent documentation of the matter; this willful failure of Bank of America to respond appropriately resulted in submission of CFPB complaint XXXX on XX/XX/2019.Bank of America continued to refuse to respond resulting in submission of CFPB complaint XXXX on XX/XX/2019.  Bank of America notified CFPB that he needed more time to respond to complaint XXXX (dealing with the apparent policy of Bank of America to prevent documentation of discrepancies) and on Wednesday, XX/XX/2019 yet another unintelligible message was left on my answering machine.  On that same date Bank of America also notified CFPB that it needed more time to respond to complaint XX/XX/1907.  Subsequently, there have been two more unintelligible messages left on my answering machine.  Bank of America became aware of its malfunctioning ATM on XX/XX/2019 and has spent:	1.	Over two months engaging in willful subterfuge, violating its own internal procedures in the process in an effort to evade culpability; and	2.	Over one month in continuous duplicitous attempts to avoid written documentation of its willful negligence and incompetence.Bank of America epitomizes the reason CFPB should receive increased regulatory authority.  It is abundantly clear that Bank of America believes its policies supersede current laws, rules, or standards.
Consumer complaint received 2022-08-12
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX - ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX - ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX  - ACCOUNT # XXXX XXXX XXXX- ACCOUNT # XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2021-09-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Recovery Solutions LLC (FL)

XXXX is attempting to collect a debt that they do not own. 

I contacted XXXX XXXX and the financial company XXXX XXXX  and they informed me that the debt was charged off and sold to XXXX XXXX XXXX. 

XXXX has resorted to harassing me, my husband, my father-in-law, and my mother-in-law every single day. I have spoken with an agent there, XXXX, and she calls everyday despite me asking them to stop.
Consumer complaint received 2021-09-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ROYAL UNITED MORTGAGE LLC (AR)

tried getting a refi for my home with royal united mort. Was told being XXXX XXXX may make it harder to qualify for. but should be done in 4-6 weeks. sent all info in as requested for a 3 month period. then 2 month into app, they want another months of finance statements. So sent them in. This is now 3 monthes they already have my tax returns for proof of income from previous years. then they want another mnths statements showing income.well i had not finished any work to show deposits [ income ] they said they HAD to have some. and this is when I was TOLD denied, still waiting on the letter and have texted them several times and still nothing this was 3 weeks ago.
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Debt Recovery Solutions, LLC (IL)

Debt Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX They say that I XXXX XXXX Received a credit loan on XX/XX/2021 in the amount of {$830.00} dollars, the original creditor is XXXX XXXXXXXX XXXX XXXX. I never applied for this loan, nor have I ever receive any funds from that company. This account was fraudulently opened. Debt Recovery Solutions has applied this account onto my credit report on XXXX and XXXX. I tried to get this removed from both credit agency and they noted it as effective or correct and they refused to remove this fraudulent account from my credit record.
Consumer complaint received 2024-03-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Receivable Management Services LLC (IL)

We've purchased from XXXX a shower door, on XX/XX/XXXX, and the shipping was included in the price, we have a prove for it on the XXXX account. The XXXX seller is " XXXX XXXX XXXX  '', XXXX # XXXX. After that, on XX/XX/XXXX we've received a statement from " XXXX '' telling us that we owe XXXX {$82.00} for shipping, one of these statement photo is attached. XXXX never does this kind of business, having XXXX sending separate bills to their customers. If there is a shipping cost, it is charged at time of the purchase, not later on. We've contacted XXXX and asked them if this is a real statement but they couldn't find the account number on the statement and told us not to worry about it. We've also contacted the seller thru XXXX multiple times and they weren't able to resolve the issue so far. All communication to the seller is recorded on our XXXX account. Starting from XXXX we've received XXXX statements from a dept collector R.M.S for the amount of {$1400.00}. We've been informing the seller multiple times about these statements, so far no resolution from their side. Not sure what the issue is here. Not sure if these statements are real or a scam. It is very annoying.
Consumer complaint received 2021-04-06
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MD)

This complaint is on behalf of my mom who has agreed that i can speak on her behalf. Champion Mortgage Company brought her loan. She had paid the taxes on her home for 30 years including the years she had the reverse mortgage. Her loan number is XXXX. She lives at XXXX XXXX  XXXX XXXX and is XXXX  years of age. Her name is XXXX XXXX, i am her daughter, XXXX XXXX. She continues to get calls saying she has to retrieve money from XXXX XXXX that they paid on the taxes that she had already paid in the amount of {$730.00}. She has the receipt of payment from her bank statements that the money was accepted. We don't feel she should have to retrieve. We have spoken with several individuals with on different dates who say something different. We need to resolve this issue and my mom can continue to live in peace in her home and pay her taxes on her own and they need to own up the original agreement on this loan. Their address is XXXX is XXXX, XXXX XXXX XXXX, XXXX, OH XXXX. 

XXXX XXXX - Email : XXXX - Phone : XXXX XXXX # XXXX - XXXX XXXX  XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2023-03-24
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. (NC)

I don't have any idea about these accounts. This is purely identity theft. The accounts damaging my good credit reputation! 

( Original Creditor : XXXX XXXX ) XXXX XXXX # XXXX DELETE THIS IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

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 2019-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (CA)

1. Fraud- Credit Card Applications2. I Have received mail containing confirmation of "My Place Rewards" credit card account applications. The applications were submitted by persons that I do not know they have un authorized used my home address.3. I contacted Post Office they told me to send the letters back to the bank. I contacted Customer Service at the Bank they said that there was nothing they could do.4. Comenity Capital Bank, PO Box XXXX XXXX, OH XXXX5. The most recent names used for the fraudulent accounts are:XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (WA)

Citibank had a checking account offer with an intro bonus of {$1500.00} for maintaining over a balance of {$200000.00} for 60 days. I opened the account on XX/XX/XXXX with the offer and kept my balance over the requested limit. A few weeks past 60 days, I tried moving the money out to a higher APY account ( Robinhood ) after verifying with an online agent that the terms had been fulfilled, but a day later the transaction got declined. 

On XX/XX/XXXX XXXX I got an email saying my checking account was going to be closed for suspicious activity. I called the fraud department and tried to escalate through multiple departments that I had only made XXXX deposit and withdrawal to request for my account to stay open. The representatives were unable to provide any assistance. 

I am based in XXXX and will have to fly out to visit the closest physical branch. Can I get help with reversing the closure decision, getting more details, or having some way of withdrawing the money more quickly? I feel it is also unfair they decided to close the account without fulfilling their end of the intro bonus terms.
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX i DONT OWN ANY OTHER STATE IDS OR ADDRESS ANY OTHER STATE ADDRESS OR ANY INFOMATION OTHER THAN WHAT IAM SUBMITTING my lawyer disputed and wrote a letter to all collections on my credit report all incorrect information is incorrect all account that do not match my Id information with same state and address is considered fraud and must be removed I am making a final goodwill attempt to have you clear up this matter. The account they sent back verified are entirely inaccurate, incomplete and represents a very serious error in they reporting. 


I have attached me id & theft police report & letter that my lawyer have wrote this companies with no responds my wallet was stolen So everything that is on my report must match my id The thieves are still using it till this day I will not freeze my accounts because this allows me catch anying who is using with alerts set up in realtime these are the accounts I have verified and some of these are not reporting on all credit reporting at all!!!!! With is another volnation of law. they are as follows loans XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX bank {$1400.00} XXXX XXXX XXXX XXXX bank {$370.00} XXXXXXXX bank {$1000.00} error is currently reporting {$0.00} this wrong XXXX XXXX bank use {$2000.00} error every payment was on time currently reporting two late payments
Consumer complaint received 2021-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Ref : Shellpoint Mortgage XXXX XXXX of the XXXX XXXX XXXX, NY XXXX Sirs ; Shellpoint Mortgage has modified the two way payment on their payment process web. This program was designed to increase the late fees and will not allow a regular two payment amount. I pay the total amount by the XXXX of each month. One payment on the first and the next on the XXXX. 
This payment method has been used for years. The program only excepts full payment, principle payment and escrow payment in their new explanation of payment. On XX/XX/2021 the modification was found. I send {$780.00} on the first and {$780.00} on the XXXX. I can not send two payments as previously. 
Shellpoint applies any payment prior to the XXXX to principle and will not apply the amount for payment on the mortgage. The only option a client has it to mail the two payments and post date the mail sent. Write on the back of the check to cash only on the first. Otherwise it will not apply for payment and a letter of payment due is sent and added to the new statement. 
They continue to message a Bankruptcy note and the XXXX has been over 2 years. I believe that we have a right to pay in 2 payments and the total amount in by the XXXX of each month. The late fee can not apply by paying this way. Shellpoint has found a way to remove this option and apply the late fees monthly. I need help and an inquire as to why a client can not pay the amount as previous for years. 
Thank you very much
Consumer complaint received 2017-09-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (VA)

I fell behind on my mortgage last XXXX. I used all of my saving to pay for my fathers funeral arrangements, but I did n't expect that my business would slow down ( I 'm XXXX ). I have been applying for a loan modification since XX/XX/XXXX with M & T Bank. I have applied and been denied 8 times and every time it was something different as to why I got denied. Each underwriter I have dealt with has requested something be done differently, for example, one underwriter wanted me to resubmit all bank statements because each deposit was n't circled when I had applied 4 times before that with no problems, another one said they could n't use my XXXX account as income because it was n't a business account when I was told in the beginning just to deposit money in my accounts and it did n't matter which ones as long as they could track my income ( and again I had applied before with no one having a problem with using both accounts ). I have yet to be given the correct way to apply because it always changes depending on what underwriter is looking at the application. Up untilXX/XX/XXXXof this year, they were including extra items in my expenses ( such as student loans, etc ) that were not supposed to be there ( because they are not due ), which cause me to be denied due to not enough income. I finally spoke with a supervisor who went over all the expenses etc as to why I was denied. She also told me they were taking out 13 % taxes but I was already taking out my own taxes before giving them an amount. So the following times I applied I sent proof of the student loans not being due and that other accounts were paid off. Recently I was denied again, now they are telling me that the tax rate is 25 % and here again I thought I was supposed to subtract my own taxes but that was n't the case. I am really trying to save my home, I have been here 10 years and never missed a payment until last year. I was still making monthly payments until XXXX when they changed investors and would n't allow me to make 1 monthly payment. I refinanced my home in XXXX and have been with M & T since then but it seems as if they do n't really want to help me save my home. All I am asking is for the past due to be put to the back of the mortgage so that I can continue to keep my home. I just recently submitted a new application on yesterday and hope that it was done correctly because again I have been applying for a year with the same information ( other than my income fluctuating ) and been denied for different reasons each time. I have not been given the proper guidelines as to how to apply and here I am almost at foreclosure. Can someone please help this company needs some consistency within their underwriting department but you 're not able to speak with anyone in that department.
Consumer complaint received 2021-09-21
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Check was deposited to Bank of America from a reliable bank ( XXXX  ) for XXXX XXXX And should be deposited no late than 4 day on a hold A ( the account has been open for more than 30 day and has been deposited larger amounts ) but the bank is holding to it for more than 2 weeks and has not processed the check yet when called their telling me that its been in the process of getting to it but they have so many checks that it going to take a while and the deposite department cant do anything about it. Something doesn't feel right.
Consumer complaint received 2019-03-07
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. (IA)

A XXXX XXXX account # XXXX Date opened was XX/XX/2017 and the first reported was XX/XX/2017 with a 6 month terms and that with was convert to close status of XXXX that was written off or purchased by another lender by the name XXXX XXXX   and account # XXXX I HAVE SEND ALL THREE CREDIT BUREAU PROOF OF IDENTITY THEFT, POLICE REPORT AND MY XXXX XXXX DATE PAPER. I HAVE BEEN XXXX FOR LAST 15 YEAR AND WAS XXXX XXXX XXXX.