davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (PA)

I noticed the issue in XXXX when I was attempting to make a purchase with XXXX. I chose pay with Affirm and Was redirected to enter my account telephone number. I do so and was then directed to in my income information. Upon hitting submit the corresponding page told me to return to XXXX and choose a different form of payment. About two days later I received an email from Affirm stating that they could not approve me because I did not provide all the information requested. Their process did not ask me for any additional information nor did he give me a phone number to call and understand their decision. That is when I initially made contact with affirm and explained the above. It was then that they verified my information and approved the transaction. 

Assuming because I already have a installment loan I attempted to make an additional two purchases on XX/XX/22 and XX/XX/22. On XX/XX/22 I did not receive any indication that theapplication was pending, just choose a different form of payment. On XX/XX/22 I received and email after a purchase attempt stating you did not provide the requested information. No information was requested And that is when I contacted customer service and explained this and that is when they provided me with a phone number to call to verify my application. 

My credit file has a fraud alert with a contact number. Even if this company does not call the number they should still provide the consumer with a number to call to confirm their identity. If the step is missed, a number of applications can be submitted under the consumer without them even attempting to prevent fraud and the consumer only receives notification that we didnt provide information. 

I believe Affirm is violating consumer rights to fair credit decisions.
Consumer complaint received 2016-04-01
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America has really destroyed our lives. We have been renting since my agency relocated us about 5 years ago and they have adversely blocked our ability to get a mortgage because of what and how they report what occurred. We tried to sue them in Federal Court which was very expensive and we lost. We have begged them to look at the file to see how their third-party vendor made us loose valuable benefits from the agency that would have allowed us to purchase our new home here in MD and sell our home as agreed. Because it was an agency purchase which required date-certain movement which, again BofA and its vendor agreed to, we were penalized through no fault of our own. The agency purchaser due to XXXX regulations could not consummate the sale beyond the date set for closing. We could not contact BofA or their vendor. We had already commited to move-in via an interstate move. It was all coordinated but BofA did not hold their side of the transaction. Closing documents were signed, purchase price was agreed, and because of confusions and changing characters in BofA, we lost heavily. We lost all of our equity in our home but the short sale as agreed was only about {$10000.00} less. We had maintained the house as best we could while we sued BofA but then we could not do it any longer. Then in the middle of litigation we were forced to sign a settlement agreement with another lender who worked for BofA to forestall foreclosure. We were just wornout from litigation. It began as an agency paid relocation and BofA failed us and cost us the loss of our home and benefits. We would like to take advantage of the offer afforded consumers in the wake of BofA 's historic settlement but do not know how. FOR NOW, we would just be satisified with them removing the erroneous reporting which prevents us from getting a mortgage, showing us to be 120 days late when we did n't even have a mortgage with them. We tried to modify our mortgage to include the yearly escrow taxes and the servicer ( Home Loans ) told us to hold our mortgage payments for four months ( like they told many people ) in order to do it. To our loss, the modification did occur and allowed us to include our taxes but left this on our record. That was Home Loans, it was not BofA. They have destroyed us. We ca n't get a home and it always comes up as if we foreclosed. We never did. We pay hefty tax bills and are stuck and no one, not even the courts, would listen to us. We were pro se because we were.
Consumer complaint received 2021-11-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

A response to a complaint received XX/XX/2021 from portfolio recovery did not prove any validation as requested. Portfolio recovery failed to provide proof of a debt belonging to me. My name and social security trust account number does not provide proof that this alleged debt is who you claim it is.XXXX A debt is an alleged obligation and your company failed to provide a autographed original contract/agreement. Just because your company bought a debt and failed to do your due diligences in proper validation does not make this account mine. Further more, there is a significant amount of XXXX XXXX XXXX billing errors connected to the attachment ( exhibit A ) coupon provided to the cfpb complaint. And Im sure the original companies ledger shows a similar credit ( connected to this statement coupon ) to their bookkeeping. Your abusive debt practices are abundantly clear, but your companies location is very unclear which is a violation, the attached exhibit A statement states California, and Virginia yet your company standing states Baltimore, its a lot of false and misleading representation XXXX XXXX XXXX and deceptive forms XXXX XXXX XXXX which has me concerned about who your company is and also how many companies have violated my federally protected consumer rights and accessed or sold my personal information without permissible purpose. Portfolio Recovery failed to validate a debt existed as requested and by law must remove the account.
Consumer complaint received 2017-10-24
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: COMMUNITY CHOICE FINANCIAL, INC. (NM)

An account showed up on my XXXX credit report that I have no knowledge of. They show I opened an account with Cash CentralXXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, on XXXX XXXX, 2017 for {$3000.00}. I disputed the account with  XXXX  and they told me it was my account. I contacted Cash Central and their fraud people said they would email a fraud packet to me but they would n't give me any information about the account that is supposedly mine. I have no idea where it was even opened. I have not received anything from Cash Central and have reported the fraud to my local police dept. I suspect Cash Central knows this is n't my account and they could have easily prevented this just by pulling my credit report. I have reported the fraud to the XXXX, NM police dept case # XXXX
Consumer complaint received 2017-10-24
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: SUNTRUST BANKS, INC. (GA)

In XXXX 2014 there was several accounts started in my name without my consent. one was with XXXX XXXX {$10000.00} second with XXXX XXXX {$29000.00} third with Suntrust {$12000.00} and XXXX XXXX XXXX  {$11000.00}
Consumer complaint received 2017-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

I noticed a collection on my credit report from Commonwealth financial. I do n't know where this came from. They never contacted me or anything. they just reported this error on my credit. I have been writing them for XXXX months asking them to validate the account. They wo n't respond yet they keep reporting this on my credit. This is wrong
Consumer complaint received 2017-10-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (WA)

The lender has failed to respond to our QWR and Notice of error request sent on XXXX/XXXX/XXXX and are proceeding to sale set for XXXX/XXXX/XXXX - the lender is in violation of regulation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and the clients right to counsel.
Consumer complaint received 2017-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CO)

Experian has switched my social security number with my deceased husbands number. He has been deceased for almost 17 years. I was denied credit recently because of this. This has not been an issue until recently. I have been trying to get this corrected with them but I have been getting a different answer every time I call. The last call I was told that it is against the law for them to change the ss number without proof but they did not have any proof when they changed it to the incorrect number. I uploaded a copy of my SS card twice, the first time they said they could not read it and then I was told they never received anything. I have now sent everything registered mail with signature required. I am being told it should be corrected within 3-5 business days after the receive it.
I have an excellent credit score and I am being denied credit because Experian has for some unexplained reason changed my social security number. This should never have happened and I am having to jump through hoops to prove their mistake. XXXX XXXX
Consumer complaint received 2016-08-09
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I am a couple of payment behind on my Mortgage. Which the total amount is {$1000.00}, I have recently paid a payment of {$520.00} and will pay the remaining amount later in the month. They also told me that someone from XXXX, to come at my home. They came uninvited to my home around XXXX on XXXX/XXXX/2016. I do not want them to come to my house anymore which Bank Of America said I can request anyway, but they came right away after I received the papers.
Consumer complaint received 2020-07-12
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. (GA)

I reached out to Experian and the companies listed in this complaint back in XXXX ; they ignored the fact I had been a victim of identity theft. I provided them with proof, an affidavit, and an identity theft report and they are refusing to follow the guidelines set forth in the FCRA. These actions are in direct violation of federal law and standards law makers have set for Consumer reporting agencies and companies. I ask that Experian and these companies do what is right and remove these fraudulent accounts from my credit report immediately. Also recent inquiries have appeared which do not belong to me, I will list them below after the accounts. 

ACCOUNTS : Account Name : XXXX, XXXX Account # : XXXX Balance : {$330.00} Date Opened : XX/XX/XXXX Account Name : XXXX XXXX  XXXX {$3400.00} XX/XX/XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX XXXX {$14000.00} XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX {$8000.00} XX/XX/XXXX Inquiries : US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX
Consumer complaint received 2017-10-24
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: Experian Information Solutions Inc. (PA)

I have a Charge-off on my credit reports reported by the XXXX credit bureaus ( XXXX, Experian, and XXXX XXXX being reported by XXXX ( XXXX XXXX ). This debt was a joint account with my ex-wife. We were separated in XXXX and divorced in XXXX. This debt was sold to a Collection Agency, XXXX XXXX, and XXXX XXXX has removed it from my credit report on their end. I have asked XXXX XXXX XXXX XXXX XXXX as a XXXX gesture to remove their reporting from my XXXX credit reports on their end as well. I received a letter from them stating that my request was denied and that XXXX XXXX XXXX XXXX XXXX will not remove the derogatory remark from my XXXX credit reports, and that they will keep reporting it. This account was opened in XXXX, and was charged-off in XXXX. I am asking them for their consideration in removing this derogatory item from my XXXX credit reports from each of the XXXX credit bureaus.
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS (NY)

Sent letter with attached application, copy of passport and utility bill to LexisNexis over four weeks ago asking for annual full file disclosure. 

I called on XX/XX/XXXX to ask for the status of my full file disclosure. 

They acknowledge sending it out USPS on XX/XX/XXXX and informed me it takes seven to ten days to reach me. That time has past. I still have not received the file.
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

I have contacted XXXX trying to resolve this matter for years now. I was scammed with this vehicle as it was a lemon crashed and fixed sold as new. I had this car repossessed due to Finamcial Issues and was given an offer for {$300.00} but they refuse to after payment is complete remove the negative information. This is incorrect as I asked for a pay for deletion. This balance of XXXX is due to fees and all this other miscellaneous stuff they have added on which is unfair to me due to the circumstances of how this all ended.
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX BK Docket # : XXXX File Date : Amount : Status Date : XX/XX/XXXX - XX/XX/XXXX Plaintiff : Action Type : Status : CHAPTER XXXX BANKRUPTCY DISCHARGED I spoke with several county administrators at the Federal court house and they do not verify information filed in their court system via emial, mail, phone or in person without id.
Consumer complaint received 2017-09-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CO)

In XXXX of 2015 my wallet was stolen in XXXX XXXX, Colorado. After a day of realizing it was indeed stolen I called Wells Fargo to cancel my debit card at the time. About a week later after getting my birth certificate and SSN sent out from NC I went to the local branch to get my account back underway. One of the branch representatives asked me if I have been on my account in a while and I told him the situation and he said that someone over-drafted my account and emptied it completely. The perpetrator tried to pay off another stolen credit card with my debit card causing close to {$13000.00} in damages. The representative said they would contact fraud for this and fix this issue asap. In the mean time would open another account for me so I could have access to another debit card. Not even a week after the new account was opened they were charging this new account for the balance of the old one to the point where Wells Fargo basically charged another {$400.00} worth of charges for an account that was supposed to be frozen and investigated. The 3-4 business days to fix this situation turned into 3-4 weeks ... then months by XXXX I went through 11 sets of reference numbers and people were just putting me on hold and letting the call end. They were avoiding me because there was nothing I could do to pursue legal action. Its now 2 years later through the situation of wells fargo my credit is garbage. Most banks wo n't approve me for anything and I have practically someone using my information on a monthly basis. Wells Fargo is responsible for borderline ruining my life for a year, ruining my future financially and basically robbing me for $ XXXX. I want reimbursement.
Consumer complaint received 2017-10-24
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY (TX)

A hold was put on my cashier 's check and when i called the local Wells Fargo branch I spoke with the branch manager XXXX. XXXX manipulated government regulation and made it sound like she was giving me {$5000.00} of a cashier 's check as a courtesy. When actual regulation requires the bank to give me the XXXX  dollars. Needless to say I feel like I was misled by what actual Federal Regulation is.
Consumer complaint received 2017-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

1. From XX/XX/XXXX to XX/XX/XXXX, my card shows fraudulent charges. 2. The card is cancelled by Bank of America ( BoA ) and all the charges are reversed. 3. On XX/XX/XXXX and XX/XX/XXXX - BoA charges 50 and 250 dollars of these fraudulent charges back to me stating that their fraud department believes that these are genuine charges and not fraud charges. 4. I call them up on XX/XX/XXXXand argue that these are not transacted by me and BoA says that they will reopen the case and it will get resolved in 5-6 weeks. 5. I check my online account on XX/XX/XXXX, 9 weeks after my discussion with BoA consumer service and Fraud Department, the charges are still there and nothing has happened. I call the Fraud Department and they say that it takes 2 billing cycles since by request to resolve a case. First they say that it will be end of XX/XX/XXXX, but after I calculate the exact billing cycle end it turns out it will be XX/XX/XXXX. 6. Based on my discussion, I do n't think they will do anything.
7. This is a case of an ineffective fraud department.
8. I would like CFPB to help me resolve this.
<P/>
Thanks.
XXXX
Consumer complaint received 2017-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (FL)

On XXXX XXXX, 2017 Amex forcefully closed my charge card account because they claimed they did not receive my financial documents and/or income tax return information they requested. I have full proof they did receive the documents via certified letters w/ signature. Despite receiving my financial documents they chose to close my charge account.
Consumer complaint received 2017-10-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I found unauthorized charges and some of them were occurred when I was out of Country which I filed the claim twice and they did not fix the problem and charged all of them back as my charges.
Consumer complaint received 2022-08-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

Since the beginning I was getting a high interest rate ( over 18 % ), when the seller show me the monthly payment it was calculated over a 21 % instead of the 18 %, I complained about it and they were supposed to adjust it, after some papers done I was unable to get the money for the down payment and the insurance was really high and I call them to cancel the deal, but they refused and told me I should give them the down payment or it will create a bad record on my credit history, by the way I never got the car, I tried to contact them to pay a fee to cancel the deal but they refused again.
Consumer complaint received 2018-03-23
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CNG FINANCIAL CORPORATION (ND)

Threatened to send sheriff to my work to serve me. Called repeatedly after asking to stop and informed them that the debt was not valid. Used abusive language calling me an XXXX/XXXX/XXXX.
Consumer complaint received 2015-09-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I had a CD at the Bank of America in XXXX XXXX, NV along with a savings and a checking account and a safe deposit box. The CD was due in XX/XX/XXXX but I needed the cash for personal reasons. On XX/XX/XXXX when I requested closing the CD, withdrawing the money ( paying the small penalty involved ), the woman bank official talked me into taking only what I actually needed and leave the remaining sum to maturity. She did not tell me I would have to pay a bank fee because the amount required to retain the accounts had dropped below their required minimum. I found out by going on line to view my accounts on XX/XX/XXXX the bank had deducted {$25.00} from my checking account. I went to the bank immediately, very upset they stole this money from me. The woman said those were the rules and no one at that branch could reverse the fee charge. I said they had every obligation to inform me of my options plus chances of fees being taken from my account when I requested to cancel the CD. So, instead of doing what I wanted to do which was withdraw the total amount, pay the necessary penalties and close the other accounts on XX/XX/XXXX, she convinced me to only take what I needed, kept me as a bank client and was able to charge me a {$25.00} fee with no notice this was going to happen to me. I feel this method she used is illegal and that {$25.00} was stolen from me. The bank has no right to take this money without informing me of my rights. I request Bank of America reimburse the {$25.00} to me.
Consumer complaint received 2019-10-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NV)

On XX/XX/2019, XXXX XXXX wire transferred funds to PHH Mortgage in direct response to a written pay-off request. Although PHH admits the funds were received as requested, they refused to apply the funds to that portion of PHH that handles current collections. It has now been almost two months since they took our money and they refuse to tell me how or when the problem will be fixed. This has caused us to lose over {$1100.00} a month.