davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-08
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. (TN)

I bought my first car in 2019 after the fact I had some issues with them pulling my credit using my social security number and I had to have my dad cosign. A few months after I got a call from a lady who thought I was using her credit as fraud. That however was not the case my social and her social are one digit off our birthdays are about two weeks apart born the same year and both of our names are identical other than middle names, so I believe we have a file mix up. After multiple failed attempts to contact all the credit bureaus to get access to my credit report I could not access because the information is combined. I was informed by the bureaus to mail in a letter with an explanation on the issues and a copy of my social and id. I did that and only got two bureaus to respond and all they sent me were my credit reports which showed me that the social on my accounts was not mine, but it was my name it also had the other lady 's name on my credit report the addresses were also mixed up. I have multiple debts on my credit report that are NOT mine there is also multiple applications for things I have never applied for. It also shows student loan and a home mortgage it is a complete mess and as I said above, I have been in contact to all the bureaus and none of them have offered any assistance on helping get the files separated I do not have access to any online credit reports to even go dispute things because I can't verify information that's connected to my social because it's the other womans information. I am very upset that the bureaus have not taken this issue more seriously I can not get approved for anything I apply for I can't own a home or even get a student loan if I wanted to this issue needs to be resolved asap, I have tried multiple attempts to fix the issue myself and have just been sent in circles.
Consumer complaint received 2020-10-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc. (TN)

ON XXXX XXXX, I notice a alleged debt of {$11000.00} from NCB Management services that i do not owe, and i sent a letter asking for information related to the alleged account and hasn't received anything thus far .I am asking that for the validity of the debt, along with other documents to support the alleged debt
Consumer complaint received 2020-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (OH)

I have been using the XXXX app, which lends money, for over a year without issue. Now, all of a sudden, within the last month, PNC Bank has denied the ability to link this app to my account. I tried another app, XXXX, and it was also denied. This is making it impossible for me to get money I need to live on.
Consumer complaint received 2018-03-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (NJ)

Submitted a payment onXX/XX/XXXX. Payment posted to my bank account XX/XX/XXXX. Discover did not credit my account for the payment. I brought this to their attention and they had me submit a copy of my bank statement and was told they would correct the error. As of XX/XX/XXXX my account was not credited.
Consumer complaint received 2018-02-01
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. (TX)

I contacted Equifax on XX/XX/XXXX to dispute information on my credit report. 
There are accounts on there that NEED to be validated due to my identity being stolen by a family member. On XX/XX/XXXX ( which is technically AFTER the 30 day mark ) Equifax provided me with a response stating that this accounts belong to me WITH NO INFORMATION OR EVIDENCE to SHOW that these accounts are mine. I have gotten these accounts removed from my XXXX report after they completed their 30 day research with no problem at all! The account they did verify had a XXXX balance and was paid off before it went in to collections/charge off is still showing on my credit report EVEN THOUGH THEY VERIFIED THIS INFORMATION.
Consumer complaint received 2019-10-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (PA)

I filed Chapter XXXX bankruptcy in XX/XX/XXXX. I was current on my mortgage at the time and it is not included in the bankruptcy trustee payment - I continue to send payments to my loan servicer. 

Pennymac XXXX, my loan servicer, added itself to my bankruptcy as a creditor for an arrearage of {$440.00} that was mistakenly paid to my previous FHA loan servicer, XXXX XXXX XXXX, and was supposed to be paid to Pennymac by XXXX. 

Pennymac began engaging in misuse of a suspense account for my mortgage in XX/XX/XXXX - prior to that time, once partial payments totaled a full payment, they were applied. I get paperless statements and their website was frequently nonoperational over the summer, so until I received a notice that my mortgage was over 45 days past due, I did not find out that Pennymac had stopped applying payments from suspense once the full amount was reached. I spoke with Pennymac to ask them to release the funds as they always had in the past. 

I calculated the amount needed to make up the shortfall to 2 full payments ( {$580.00} ) and paid that on XX/XX/XXXX, expecting to XXXX  out the suspense account once and for all. This payment did not show up on my account - in fact, I was not able to access my recent account activity or monthly statement for XX/XX/XXXX. 

When I called Pennymac, I was told they were switching systems and payments and statements were delayed. Customers received no notification of this. 

Imagine my consternation when I was finally able to access the statement on XX/XX/XXXX ( though Pennymac dated it XX/XX/XXXX ), and found that the suspense account still had funds in it ... minus the {$440.00} ( actually, {$440.00}, due to weird accounting practice of adding {$0.00} to the suspense account every so often ) that is due to Pennymac as part of my bankruptcy. This money was to come from the trustee, not from me directly, and certainly not from my suspense account.
Consumer complaint received 2017-10-07
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America violates the law by refusing to dispute a charge On BOA mastercard XXXX XXXX XXXX XXXX claim that was initiated for a transaction from XXXX in the amount of {$39.00} that posted to the account on XXXX XXXX, XXXX. Resolution sought is IMMEDiate permanent credit of {$39.00} and finance charges.
Consumer complaint received 2024-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

I opened the account with citibank XXXX tried to fund the account with a check I received from an old landlord for security deposit and a month of rent of XXXX $ on XX/XX/XXXX and also with my tax refund of XXXX that was deposited into my XXXX XXXX account I tried to make a bank transfer XX/XX/XXXX for that amount to Citi bank due to my XXXX XXXX account was closing soon. Well Citi bank did not try to get the funds until XX/XX/XXXX in fact the account was already closed I called Citi bank and let them no the situation to the XXXX and ask about the other XXXX they said XXXX check was funded into my account but have a hold on my account for XXXX I let them no my account already closed because the funds werent transferred In time. They said that they needed to verify my phone number I told them the phone number I signed up either said they could not use that phone number I have had that number and account is under my name for so long they said they would send a referral code I called back with referral code I received in the mail and they said they could not help me and needed to send a new one I went to the Citi bank branch trying to verify it is me and the situation and they said I need to get a new code or a new phone number still know luck trying to get my money been calling everyday doing every step possible Im a single mother and I am falling behind because of the inconvenience of not accessing my funds
Consumer complaint received 2022-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo falsely and fraudulently adversities an incorrect and made up limit for new XXXX recipients who have been verified that they later refuse to honor - ostensibly for my protection. However, when I called to ask what was the issue the phone bankers had no answer. Thus, the only valid answer is that Wells Fargo is extremely disorganized and has no idea what its doing, or worse, I am being illegally discriminated against and Wells Fargo is covering this up now by feigning extreme incompetence just like they did in the fake interview scandal that is now being criminally investigated. At the very least, this issue should have been escalated and investigated- which it was not because maybe Wells Fargo is just a lazy bank.
Consumer complaint received 2015-05-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Today is XXXX XXXX, 2015. I have been trying to receive a loan payoff amount from Bank of America for the past week, so that we can close the sale of our property. When I called their customer care line, the agents who I spoke with obstructed my ability to obtain a loan payoff amount. In dealings with both myself and the designated closing agent, they have refused to fax loan payoff amount information. The only reasoning I can assume for this violation of my rights is that Bank of America continues to abuse SCRA loopholes, and prevent service members from receiving fair disclosure and account servicing. This is not the XXXX time I have reached out to the CFPB regarding Bank of America 's policies and procedures on my mortgage account 's servicing.
Consumer complaint received 2019-10-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Debt Counselors, LLC (NY)

I am contacting you on the subject of a letter I received from UDCAmericas. The reference is XXXX. This letter states that it is a final attempt to contact me regarding the adjustment of my credit account. The leader is designed in such a way that it leads me to believe that a failure to call them will result in financial issues. 
I have no issues on my credit card accounts, no debt due. This is just a tactic used to extort money from some people. 
I wish that that they remove me from their database and stop using such aggressive and forbidden marketing tactics
Consumer complaint received 2020-05-06
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. (AR)

I was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you.
Consumer complaint received 2018-03-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Receivables Management Partners, LLC (MI)

This Company Recievables Management Is trying to collect on 4 medical bills and they are not licenced in my state to collect debt! Additionally They are reporting negative information on my credit report for all three credit reporting Agencies! These bills have never been verified and they are not mine! If they are, they are more than Seven Years old, because I have Had Medical Insurance for they last 7 years!
Consumer complaint received 2016-10-12
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has had ample time to consider my complete as received Request for Mortgage Assistance ( RMA ) application package of XXXX XXXX. 
Bank of America, their representatives, and servicer can not record an NOD, an NTS, or conduct a sale while the application is pending per California Civil Code ( XXXX ( c ) ) and, if application is denied, until 31 days after providing borrower with a written denial per California Civil Code XXXX ( XXXX ) ( XXXX ). 
While there is no consistent or well established Bank of America deadline for borrower 's to submit an RMA application, I submitted a complete RMA application package and all other Bank of America requested documents on and before XXXX XXXX, XXXX without delay. 
Bank of America has decided not to provide a written determination to the XXXX XXXX RMA from the Bank of America Appeals Department to date. While there seems not to be any Bank of America deadline for servicer 's application evaluation and no established deadline to process an appeal, it does n't take over four years to come to a decision and issue a written determination and direction unless the bank has decided to park and stall the modification process indefinitely. However, this park and stall tactic is at odds and inconsistent with the recent efforts to collect on this home loan mortgage account. 
Bank of America, their representatives, and the servicer may not record an NOD, NTS, or conduct a sale until the later of : 1 ) 15 days after the appeal is denied ; or 2 ) 14 days after modification is offered. 
As a borrower must accept an offered modification within 14 days or offer is considered rejected per California Civil Code XXXX ( XXXX ) ( XXXX ), the same standard is to be placed upon the bank and servicer. Since Bank of America has declined to timely process a complete RMA so as to complete the modification process, Bank of America and their representatives and servicer forfeit rights to decline an evaluation, issue a written denial, and foreclose. 
Bank of America has not offered a MHA HAMP TPP based on the XXXX XXXX RMA before or after XXXX XXXX. Thus, I have never rejected a modification in accordance with California Civil Code XXXX ( XXXX ) ( XXXX ) because I have had no option and opportunity to accept or reject a modification timely presented to me by Bank of Americ based on my XXXX XXXX RMA.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (AZ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 90 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I did not worry about making a payment when I was not receiving statements because I thought that loans were in deferment
Consumer complaint received 2017-10-07
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Atlantic Recovery Solutions LLC (WA)

Atlantic Recovery Solutions, a XXXX XXXX, has harassed my mother in law, my father, and my husband ... so far as of today,XXXX. Where is the privacy act, how did they get these numbers, and how can they legally keep harassing them? This IS Harassment~ I have had no items mailed to me, nor do I have ANY record of this company calling me on my home, or cell phone!
Consumer complaint received 2017-10-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MN)

Victoria Secret angel card charged {$1.00} fee in XX/XX/XXXX when the account had a {$0.00} dollar balance. The account then relieved a late fee for not paying the undisclosed {$1.00} minimum finance charge. Resulting in a {$2.00} balance. In XX/XX/XXXX there was a notice of {$2.00} on the account.
Consumer complaint received 2017-10-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CMRE Financial Services, Inc. (TX)

This alledged debt was paid by my insurance first. Second, I never received information on such owed debt. Third, this is a violation of my HIPAA rights as I said before because there is no reason my diagnosis and what test was done should be of any concern to this Collection agency. Fourth, this was added to my credit report w/o first contacting me. I 'm very tired and feed up with this collection agency for a {$270.00} alledged debt. So it will cost them more. Because I will be filing this with my attorney, due to the information that is on the form. Which includes my social, diagnosis and test that was done. My diagnosis is noone 's concern. ONLY the person who was caring for me at the time and it was not a Collection agency. What if I had a relative working for this company and they saw my diagnosis? I would be furious. And I still do n't know who else seen my diagnosis. 
XXXX XXXX
Consumer complaint received 2022-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

BANK OF AMERICA XXXX XXXX XXXX : BANK OF AMERICA claims that I owe them a debt yet they CAN NOT prove it, even though I have repeatedly given them chances to prove it by sending them letters with registered mail asking them to provide me with a VALIDATION OF DEBT as per federal law. 

I sent them a CONDITIONAL ACCEPTANCE in which they did not respond with their proof of claim or the required info, therefore binding them to my new TERMS AND CONDITIONS. 

I put BANK OF AMERICA on notice. 

I gave BANK OF AMERICA an OPPORTUNITY TO CURE. 

I have attached all the letters I have sent proving that I have indeed exhausted all administrative remedies. 

I do not owe a debt and the ALL CAPITAL LETTERS name/ DEBTOR, aka the legal fiction XXXX, owes the alleged debt which is off-set by, I, the ORIGINAL CREDITOR. The credit derived from my hand/living signature, and therefore my Life energy and was issued to the DEBTOR ACCOUNT via my SOCIAL SECURITY ACCOUNT which is an account linked/attached to the 'Certificate of Live Birth ' which is held at the Federal Reserve Bank as collateral to off-set any alleged debt initiated by the alleged DEBTOR account, which is a TRUST account, aka the XXXX XXXX  XXXX ' Trust, aka the XXXX XXXX XXXX XXXX making I the ORIGINAL CREDITOR of any transaction that took place. BANK OF AMERICA never gave, or offered, due interest to the Living Man, and penalties for fraud and for not giving full disclosure upon the signing of the alleged contract, which does not have any wet ink signatures ( never mind the XXXX signatures required by law for it to be a binding contract ). The UNITED STATES is operating in bankruptcy and owes, I, the ORIGINAL CREDITOR, for use of this Land ( 18 USC 8 ). 


SECTION XXXX : BANK OF AMERICA has tacitly agreed to the TERMS AND CONDITIONS of my CONDITIONAL ACCEPTANCE, to settle this matter I demand that : XXXX. BANK OF AMERICA admit that I am the original creditor and source of the credit being utilized. 

XXXX. BANK OF AMERICA leave account # XXXX open and functional so that I may utilize my credit and be accepted for value in order to facilitate my open end credit plan that is our birthright ( 15 USC 1602 ( j ) ). 

XXXX. BANK OF AMERICA reports all alleged debt as paid off to all major credit bureaus ( XXXX, XXXX, XXXX and XXXX ). 

XXXX. BANK OF AMERICA pay for all fees and fines associated with this matter. 

XXXX. BANK OF AMERICA pays me {>= $1,000,000} in damages. 

XXXX. BANK OF AMERICA is estopped from ever bringing up this matter again and is barred from passing along this fraudulent claim to any other company or organization.
Consumer complaint received 2018-03-24
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

I've tried since XX/XX/XXXX to resolve inaccurate payment history with Capital one credit card by disputing with credit bureaus, calling Capital One and writing letters to request additional information on there findings. They have my payment history marked as 30/60/90 days late but I have provided them with documentation that payment was made by the due date using my account statements and bank statements. Not only does my payment history reflect late payments but I have been charged an additional {$35.00} each month which shows on my statements because I was unable to pay the total minimum payment due but I feel that this situation has caused me hardship of low scoring to my credit report, adverse actions of declinations from other creditors and financial hardship of trying to resolve this matter. I was informed by Capital One representatives that my situation qualified for special hardship and I was approved to pay very small affordable payments until I was able to get out of debt and my health got better. Each time that I have disputed this issue, I receive correspondence from them stating after review, they feel that there records are accurate without providing me any supporting documentation as to how they derived at this conclusion. I have two credit cards with Capital one and they have me reported as late 9 times, in which, I only missed two payments. The second account, I have been marked 4 times late, in which, documentation shows I only missed one payment. I feel hurt that this corporation accepted my monthly payment, charged me additional {$35.00} for late fees and reported late payments for those months because I was going through medical issues and couldn't afford to pay the large amount of the minimum payment due. No one should ever have to be treated like this. If I have to have the adverse late payments on my credit report, I would like to ask for a refund of all the funds that I paid from XXXX returned back to me along with correspondence from the company stating they will remove the inaccuracies on both accounts within 30 days. I'm in the process of buying a home and these late payments are detrimental to my APR rate and my borrowing power and I just need assistance with getting this resolved as soon as possible. I will be providing supporting documentation along with my complaint so this issue can be resolved. Thanks