davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021 my car key was stolen, the stolen key was used to get into my my car, my wallet was stolen from the car with my Bank of America debit card, one other debit card, a XXXX XXXX credit card, a drivers license in the wallet, plus my cell phone was stolen. The thief or thieves used my BofA card to make one unauthorized ATM withdrawal of {$460.00} and one charge of {$2100.00} at XXXX XXXX as well as using the other debit card and a XXXX XXXX credit card to make additional charges of more than {$16000.00} at the same XXXX XXXX, plus {$4300.00} at XXXX XXXX XXXX XXXX. I notified BofA of the theft within 24 hours of the theft and disputed the ATM withdrawal and the charge at XXXX XXXX. I provided BofA with the name and contact information for a witness who let me use his cell phone to call XXXX to get a locksmith to cut a new key and program an electronic fob. He can attest I was either in the ocean surfing or standing by the side of the road waiting for XXXX when the ATM withdrawal and charge were made at an ATM and a store 10-12 miles away. I also submitted voluminous documents, which are attached, proving I could not have been present at the bank and the XXXX XXXX where the withdrawal and charge were made, including records from XXXX showing that I was stranded by the side of the road waiting for a XXXX technician to cut a new car key at the time two of theunauthorized ATM withdrawal was made. In addition, the transaction history on my BofA account shows I rarely if ever use my ATM card to make purchases and never purchases of hundreds or thousands of dollars. Nor have I ever purchased any item at the XXXX XXXX store in XXXX XXXX where the {$2100.00} charge was made. I also filed a police report with the XXXX XXXX Police Department, which is also attached. 

The XXXX XXXX services fraud investigator has concluded that the {$4200.00} charges on the credit card at XXXX XXXX  was fraudulent ( that resolution letter is also attached ). BofA denied my claim initially on or about XX/XX/2021 but reopened it when I provided additional documentation. However, BofA again denied the claim on XX/XX/2021. This denial is inappropriate under the Electronic Fund Transfer Act, 15 USC section 1693g because I did not authorize the transaction and timely reported it
Consumer complaint received 2017-12-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

I submitted a Borrower Assistance Application onXX/XX/XXXX.. I also told my single point of contact ( POC ) that i meet the eligibility criteria for one of Keep Your Home California Programs ( MRAP - Mortgage Reinstatement Assistance Program ) and all I need from Rushmore was the mortgage statement and modification. Her response to me was " If you do not qualify for the modification, will they still help you to get current ''. It appeared to me that she already knew that they would not approve me for a modification and that they were just buying time as we got closer to the foreclosure date of XX/XX/XXXX. She then told me that i will know if my application is complete in three ( 3 ) weeks and at that time i will get a decision. Three weeks will be XX/XX/XXXX and only Two weeks away from the foreclosure date. If the decision is negative, i do not have enough time to appeal it before the foreclosure date. 
The staff at Rushmore ( POC 's and Supervisors ) are notorious for misguiding customers on the modification process. They play by the rules by their calendar and are eager to have your home go to foreclosure. 

They do not like to work with other mortgage assistance programs such as Keep Your Home California. 

Rushmore is violating my home owner bill of rights and i 'm kindly requesting you to look into this matter. 

Please look at complaints of several other unhappy customers : https : //www.checkbca.org/report/rushmore-loan-management-services-llc-100102203/XXXX XXXX XXXX XXXX XXXX Thank you
Consumer complaint received 2017-12-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (IL)

I 've recently have had my wages XXXX. Apparently, after communicating with my employer, this XXXX has been on my file since XXXX. The collector is XXXX XXXX XXXX along with XXXX XXXX XXXX. Their number is XXXX. The attorney representing them is XXXX XXXX. His number is XXXX. After a brief investigation into the company, I 've discovered that they have had several lawsuits against them for violating several fair debt collection practices act. Here is one link from the Federal Trade Commision, https : XXXX. 

I 've received no information on the validity of this debt nor was I ever served or summon with papers. Today, on XX/XX/2017, I called XXXX XXXX XXXX to get more information on this matter and the authenticity of it. They claim it is a XXXX debt which I have no knowledge of. I believe I am a victim of fraud. They have fail to properly produce evidence of such debt to me, failed to send any form of summons to appear in court, and they fail to notify me in writing that it provided negative information to my credit report. 

Please help me rectify this matter. XXXX XXXX XXXX has a history of such wrong doings along with multiple law suits against them for consumer malpractices.
Consumer complaint received 2017-12-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (FL)

This company never made contact with me about any potential debts that they had for me. They have listed 2 medical debts on my credit reports without notifying me. I want these debts for {$1800.00} and {$720.00} removed from my credit reports until they can be properly validated.
Consumer complaint received 2024-02-27
Product: Credit 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: WELLS FARGO & COMPANY (IL)

On XX/XX/year>, I notified Wells Fargo immediately upon noticing XXXX fraudulent charges on my credit card ( seems like a same charge made twice a row by the same merchant that I have never authorized to charge my card and that I have never done business with and that I have never received anything from ). These notices fall under reference numbers XXXX and XXXX. However, on XX/XX/XXXX I received a letter ( dated XX/XX/XXXX ) that these charges are similar to my usual charges and that for this reason Wells Fargo reversed the fraudulent charges and rebilled my account. There must be an error on Wells Fargo 's end since these XXXX charges are truly unauthorized. I do not recognize the merchant. I have not received anything from this merchant. I have not given the card details to this merchant. I have not authorized this merchant to charge the credit card for anything. Furthermore, regarding my usual spending patterns, I have never charged the card for purchases this high and I definitely have never charged the card past its credit limit. Frankly, I do not even understand why Wells Fargo let the charges through given that they significantly exceed the credit line on my account.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I am writing to inform you that I have recently become a victim of identity theft and request your assistance in blocking accounts associated with the fraudulent activity from appearing on my credit report. 
I discovered the fraudulent accounts when reviewing my credit report. The following unauthorized account were identified. Please remove all fraud alerts and fraud victim statements from my file please. And do not add any alerts or freezes to my credit report files. 
The following accounts are not mine and do not belong to me, please remove : XXXX. Account Name : XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX. Account Name : XXXXXXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX The above mentioned accounts were opened without my knowledge or consent. I believe this incident occurred due to the theft or misuse of my personal information by an unknown individual ( s ). To mitigate any further damage caused by this unfortunate situation, I kindly request that you take immediate action to block these unauthorized accounts from appearing on my credit report.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 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.
Consumer complaint received 2024-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NY)

Block the identity theft-related information from my credit report as mandated by FCRA Section 605B . Immediate action is demanded to comply with the law, and notifications to all information furnishers must be sent promptly. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$8500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$13000.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}, XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$5900.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance : {$26000.00} XXXX Please remove these accounts immediately.
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

I have called and spoke with someone about this issue on the phone. I was told that my claim would be looked into and the information is still appearing on my record. This is not my criminal history being reported to companies when I'm trying to get employment. It's defaming my character and it's very embarrassing. I also have proof from XXXX stating the information they were furnished with came from LexisNexis about my criminal background. Furthermore, I wrote to LexisNexis and asked them to remove this error from my report again. I have not heard from LexisNexis as of yet. My letter was sent in XX/XX/2020.
Consumer complaint received 2021-02-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: HABITAT FOR HUMANITY INTERNATIONAL, INC. (TX)

I asked for forbearance in XXXX? 2018 because my household income was reduced and instead of getting forbearance I came out of this meeting paying double the payment. This caused even more of a problem because I couldn't keep up with my payments. Then Covid-19 pandemic caused my income to be reduced temporally and I again requested forbearance and was told that my mortgage was not covered by Cares act forbearance and that I wouldn't be able to get any assistance. Then I was told about a grant admittance program that habitat offered and that I should apply. I then applied and was told they wouldn't consider my application because I was behind on my payments?? .. Now I am facing a foreclosure on my home of XXXX5yrs. On top of everything the company is a government program that is supposed help people afford a home in low income situations. Habitat for humanity. I don't understand why I'm not covered under the cares act? Why I can't get any assistance to help me thru this.
Consumer complaint received 2021-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I mailed off a dispute letter over a month ago. The credit bureau has not responded nor corrected my problem. They are responding inaccurate personal information.
Consumer complaint received 2024-02-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (SC)

This is my second attempt to remove these accounts and inquiries from my report which is causing me defamation. I asked to have my inquiries removed the company responded that they would have to remain on my report for at least 2 years. I am now requesting for the company to prove to me that there is an open account tied to XXXX XXXX XXXX AND ALSO XXXX XXXXXXXX XXXX XXXXXXXX. I can express more about the laws from 15 USC 1681 Permissible purposes ( to get these cleared off ). 

Accounts : XXXX XXXX XXXX for {$630.00} and also another for {$600.00}. 
XXXX XXXX XXXX  for {$6100.00}. 

I have explained that the debt has been sold over to a third-party debt collector which means it is now considered a certificate of indebtedness. Which goes along with the 1099c cancellation of a debt. certificate of indebtedness is income that must be removed. 

I've also sent an opt-out notice, 16 CFR 313.7 form of opt-out notice. I am opting out of any authorization I may have given you written unwritten verbal or nonverbal. I would also like to highlight the importance of The Privacy Act of 1974!
Consumer complaint received 2021-03-25
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: EQUIFAX, INC. (OR)

My credit report was pulled multiple times by my previous loan officer- XXXX XXXX without my consent. I initially gave consent the first time she pulled my report. After that, she continuously pulled my report without notifying me or asking if she could. When I discovered she had done this around 10 times, I confronted her. She said she would ask for the credit pulls to be revoked. That was in XX/XX/2020. It has been 4 months and none of the credit pulls that followed the first pull have been removed from my report. This is a gross misuse of my personal information and credit report! I should not have to be worried about my own lender sabotaging my credit. 
Furthermore, I would like to report immoral business practices. I was originally contacted by XXXX, she said she was with my companys retention department and that I qualified for a lower interest rate. She did not disclose that I would have to PAY to qualify for a lower rate! Instead she waited until it was time to sign papers and I saw an exorbitant amount of fees being charged for points. When I approached her about this, she verbally abused and manipulated me saying how hard she had worked on my loan and that she isnt an hourly employee, etc etc. not only did she wait until this time to disclose this, it is my opinion that she also had me pay for my appraisal out of pocket in order to make me feel financially obligated to carry through this refi, as I was never given paperwork before the appraisal to go over the fees and costs to get the loan. 
Overall I was partially scammed ( {$750.00} for the appraisal ) and my credit report was also misused. 
Now, I have my loan in deferment and can not access my account. Their mobile app has not worked in weeks and their website just had me set up a secondary authentication with my phone number. When trying to log in after this, I would initiate the authentication text but it never comes to my phone! I am now locked out of my account. 
I was given paperwork with an email for the deferment department. I have tried to email it several times and it comes back that the server rejected the email or that the address can not be found! 
It does not seem like this company cares about its people and it does not seem like they are set up to actually help customers while in deferment!
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This account is closed with an outstanding balance but they continue to report it as open as Im missing payments to purposely hurt my credit score. 

Car was mechanically totaled because dealer failed to disclose it has not had a recall serviced on and had previous body work. Car is no longer in my possession.
Consumer complaint received 2015-08-23
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XXXX XXXX, I bought airline tickets using my Bank of America credit card, on XXXX XXXX website ( XXXX ). There were a total of XXXX transactions on my statement for this purchase : XXXX tickets ( {$1000.00} each ), plus XXXX seat upgrades ( ranging from {$29.00} to {$100.00} each, for a total of {$530.00} ). 
Despite the fact that these tickets were purchased on a US website, from a US merchant, in US dollars, Bank of America charged a foreign transaction fee of 3 % for each of those XXXX transactions, totaling {$80.00} in fees. 
I contacted Bank of America and requested that they cancel and refund these fees. Bank of America representatives maintained that the fees were correctly charged and legitimate as the transactions were processed in XXXX, and refused to refund them. 
This is a deceptive and abusive practice as there was no way for me at the time of the purchase to know that there would be such a fee ( as, again, I was making a transaction with a XXXX merchant on a XXXX website in XXXX dollars ), and therefore I could not avoid those fees ( by, for example, choosing a different method of payment ).
Consumer complaint received 2022-09-11
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. (AZ)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-02-09
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: EQUIFAX, INC. (NJ)

On XX/XX/2021, I requested with Equifax to investigate and delete the inaccurate information from my credit report. 

As you are well aware, federal law requires a credit reporting agency to respond within 30 business days. It has now been over that period since the receipt of my letter. Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act.
Consumer complaint received 2017-11-29
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

I suddenly was notified by fifth third bank about my account being in the negative. there was no reason for the account be in the negative. I then began to question the bank on why my account was in a negative balance, and the bank proceeded to inform me that a a check for XXXX was deposited and withdrawn, then a XXXX dollar check was deposited and withdrawn, the XXXX dollar check was deposited and withdrawn then a XXXX dollar check was deposited and withdrawn, the a XXXX dollar check was deposited and withdrawn, then a XXXX check was deposited and withdrawn and finally XXXX dollar check was deposited and withdrawn from this account. 
I continued to question the customer service rep concerning these transactions and notified them that i did not authorize any of these transactions at any time. They began to inform me of an XXXX XXXX who was in newyork and said that the payment was taken from the account for medical expenses. Which I have never been to any doctor in New York for any medical expenses being taken from my account. Then another check and withdrawal was supposedly for wages earned by myself from a grocery store that I was suppose to have worked. Which I have never heard or worked at any grocery store when I was able to work, because I have XXXX which at this time of my life i am confined to a XXXX XXXX, and have been for years. So there is no way that I could have traveled to connecticut to work at any grocery store. 
I have attempted to work with the bank, but the bank is refusing to give me any information on my account. So i can see no other option but to report Fifth Third Bank to the consumer finance because of their actions and practice at this bank.