davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2021 I used my credit card to pay for a surgical service of {$5000.00} to XXXX XXXX XXXX XXXX. On the date of the procedure my healthcare provider was showing an errant deductible balance requiring me to pay for the service in full. Three days after the procedure I was informed that my healthcare account was up to date and the charge would be covered in full. The service provider was informed and asked to credit the amount. They did not. I was later told by the healthcare provider that they had billed the insurance company twice without resolution. The healthcare provider stated that they had not received any request. Unable to prove or disprove either party, I called to dispute the payment with my credit card company. 
On XX/XX/XXXX I received a letter from Bank of American acknowledging the dispute and requesting additional information which I provided. In that letter, BOA stated that this amount, was not required to be paid until such time as a determination was made. On XX/XX/XXXX, BOA failed to honor their policy by deducting the full amount from my checking account. 
I contacted BOA on XX/XX/XXXX at which time they acknowledged their error and a refund would be processed on Monday the XXXX. On XX/XX/XXXX I contacted BOA to see why the amount was not refunded. I was then told that it would take 3-5 business days for the amount to be refunded. On the XXXX day ( XX/XX/XXXX ) I contacted BOA again and told that the amount had been processed and give to the end of the day to hit my account. 
On XX/XX/XXXX, after spending 1.5 hours on hold and transferred three times I was finally told that it would take up to two billing cycles ( or 60 days ) to be reimbursed. 
I have asked to immediately be reimbursed the {$5000.00} plus their going interest rate of 29.99 %, plus their established late payment fee.
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I made a complaint on TransUnion in reference to inaccuracies on my account. This is the response they sent back " This complaint lists someone the company does not recognize as their customer or their customers authorized representative. 
We reviewed your complaint and sent it to the company for a response. The company let us know that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. 

Companies are required to protect their customers privacy. Companies can not share consumers financial informationincluding as part of the complaint processunless everyone listed in the complaint is also listed on the account or loan or authorized by the customer to receive financial information. Companies can require that their customers provide signed, written permission directly to the company before sharing financial information with a third party, such as a lawyer, guardian, or power of attorney. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 I called Transunion to give my authorization they informed me that they received no complaint from the CFPB. I sent my initial dispute on XXXX/XXXX/202. When I asked about it today they said they didn't receive one in XXXX only one in XXXX the XXXX I sent in XXXX was me asking them why haven't they responded on the one I sent on XX/XX/2021
Consumer complaint received 2021-05-27
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: OLD NATIONAL BANCORP (IN)

I reported several times as I was processing mortgage loans that the loans were NOT DU approved or eligible for a mortgage loan. I was told to process it anyway. Many times I found errors and the loan officer admitting to manipulating a borrowers assets to get approval on a loan when that borrower never had that money in an account. Loans were processed even though they were NOT approved and actually DENIED! I was fired after 4 months of pointing these things out! I am older and believe in honesty and not putting people in loans/mortgages that they can not afford only for them to be devastated when they get their home foreclosed on. This is a practice that needs stopped! I was promptly wrote up for job performance after being denied training ( documentation to support ) and at month 3 with the company. This was only an excuse to terminate me because I was questioning their practices.
Consumer complaint received 2020-11-23
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. (NJ)

I have called, sent written notice, and disputed online for inquiries that I do not recognized and/or authorize. 

XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/2019XX/XX/2019
Consumer complaint received 2018-07-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (TX)

Hello, Since XX/XX/XXXX, my husband has been paying our home owners insurance directly to our insurance company, XXXX XXXX, yet Roundpoint Mortgage keeps billing me for a monthly escrow for homeowners/hazard insurance. 

I have called them numerous times to ask them to remove this monthly charge from my mortgage payment and they tell me that it is not possible. Last summer, they sent me a refund for the escrow balance of XX/XX/XXXX -- due to unnecessary payments to them for home owners insurance that was already paid. 

I received an end-of-year statement for XX/XX/XXXX that I had a closing balance of {$1600.00} after the appropriate disbursements were made for property taxes. When I called them in XX/XX/XXXX, requesting my refund ( for homeowners insurance payments, that they keep charging me ) I was told that they could not refund the money until they reassessed my escrow account. 

They reassessed the account in XX/XX/XXXX and are still refusing to send my refund. In addition, I am still being charged a monthly home insurance escrow fee -- even though they have received a declaration from our insurance company, twice. 

I would like them to stop charging me escrow fees and then holding that money for over a year, then refusing to refund me when I ask for MY money. I have gone through this process with them numerous times and am exhausted each time because they act as if this is the first time, they don't know what I'm talking about, they just repeat the same info and tell me there's nothing I can do. 

I was keeping track of our email correspondence through their online secured messaging system, but now they have done away with that feature. So, I can no longer track our documented trail of correspondence. I have asked them for ALL emails and phone recordings from XX/XX/XXXX-XX/XX/XXXX and am awaiting their response. 

Please help me resolve this situation. Roundpoint mortgage is stealing my money, or a the very least, holding it hostage so they can gain interest fees. I believe this is a common practice for them as there seems to be numerous complaints of escrow overcharging by them when I searched the web.
Consumer complaint received 2023-06-11
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. (TX)

These Accounts : XXXX XXXX XXXX. XXXX XXXX XXXX. BE ADVISE, THIS IS NOT A REFUSAL TO PAY, BUT A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g STATING YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. This is NOT a request for " verification '' or proof of my MAILING ADDRESS, but A request for VALIDATION made pursuant to the above-name TITLE and Section. I respectfully request your offices to PROVIDE me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( EXPERIAN, XXXX, OR XXXX ) this ACTION may constitute fraud under both Federal and State Laws. Due to this fact, if any negative Mark is found on any or my credit reports by your company or the company you represent, I will not hesitate in bringing LEGAL ACTIONS against you and your client for the following : VIOLATION of the Fair Credit Reporting Act, VIOLATION of the Fair Credit COLLECTION PRACTICES ACT, and DEFAMATION OF CHARACTER ( per se ). If your offices are able ro PROVIDE the Proper documention as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time ALL COLLECTION ACTIVITIES SHALL CEASE AND DESIST. IF YOUR OFFICE FAILS TO RESPOND TO THIS VALIDATION REQUEST WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THESE ACCOUNTS MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE.
Consumer complaint received 2020-06-02
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: CITIBANK, N.A. (MD)

I have been calling and submitting disputes because I have paid off two accounts. XXXX  paid in Full on XX/XX/XXXX and got a letter as proof only because I requested one. I settled with Best Buy which was charged off but I agreed and paid the settlement amount on XX/XX/XXXX. Both companies have not updated my credit file. It has been more than two months. Please advice me and help me with this issue.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (KS)

per the FCRA as a federally protected consumer, am now opting out any & all authorization i the consumer may have given XXXX XXXX XXXX XXXX written, unwritten, verbal & non verbal with regards to trading, selling or reporting my personal information per 15 USC 6802 Obligations with respect to disclosures of personal information. I also exercise my rights as a consumer under 313.7 Form of opt out notice to consumers ; opt out methods, 16 CFR 313.7 ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a non-affiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. ( iv ) Specific opt out means. You may require each consumer to opt out through a specific means, as long as that means is reasonable for that consumer. ( b ) Same form as initial notice permitted. You may provide the opt out notice together with or on the same written or electronic form as the initial notice you provide in accordance with 313.4. ( e ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. ( g ) Duration of consumer 's opt out direction. ( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. 


XXXX XXXX XXXX XXXX DID NOT SEND PROPER FORM OF OPT OUT NOTICE FOR I THE CONSUMER I HAVE ATTACHED PROOF OF NOTICE TO OPT OUT TO XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd. (IL)

I checked my credit rating and found that my credit number had decreased. It was reported that I have a debt in collection. I did not make this debt and I have no knowledge of it, nor do I have any account with this company. 
The collection agency is the following : CBA Collection Bureau of America The company placing the collection is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX
Consumer complaint received 2021-05-27
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CB1, Inc. (MT)

On XX/XX/XXXX I was served paperwork saying I was being sued by CBB Collections over a repossession I had with XXXX XXXX XXXX I called them multiple times and attempted to make payment arrangements that were reasonable for my budget to avoid being garnished. They refused to work with any amount I told them I could afford and told me I had to pay at least {$400.00} or so to avoid them sending in for a judgement. I filed my taxes and told them okay I would be able to just pay them once it came in. They told me I would have until the agreed upon date of XX/XX/XXXX to pay the full amount of XXXX that I owed to avoid the judgement. The week of I called them and informed them my return was being delayed and requested them to just hold off until the money came in. They refused and told me all I had was until that deadline. I called them back on XX/XX/XXXX when my refund got to my account and asked if they had sent in for the judgement and they said they never did and that I still had the option to pay. I paid the {$5400.00} on XX/XX/XXXX. In XXXX XXXX XXXX ( this year ) I sent an letter to XXXX XXXX XXXX requesting they delete my tradeline since I paid them in full the year before through CBB Collections. The lady informed me they never received payment from CBB and told me I still owed them the balance. She told me the balance owed was {$4900.00} not the {$5400.00} that CBB told me I owed them. The lady at auto credit financial told me CBB told her the debt wasnt paid. I told her no this is wrong because I paid them one year prior. She emailed me back and told me she called CBB and that CBB told her that I paid the balance in XXXXXXXX XXXX XXXXXXXX and they would send her payment as soon as they could. I told her this was incorrect because I paid them XXXXXXXX XXXX XXXXXXXX and I provided her with my bank statement showing the transaction of {$5400.00}. She said she would have to contact them and find out why she did not receive the payment the year I actually paid. I have not heard back from her since. Right after speaking with her I called CBB and left a message and never received a call back. I then emailed them and never received an email back. CBB Collections not only lied to me and took an extra {$490.00} on top of the actual balance owed, but they also held onto that payment for a full year and lied to auto credit financial and told them I never paid them in XXXX and paid them in XXXX. CBB reported to my credit report that they received payment XX/XX/XXXX. Because of this auto credit financial has been reporting this open bad account as being unpaid for a full year and it has been damaging my credit.
Consumer complaint received 2018-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (NV)

I have tried several times to dispute the lates that are reporting on all 3 of my credit bureaus and also with Exeter. They state that they are correct but I always signed up with them for extensions and now they wont talk to me since they are paid off. I just would like my reports to have no negative effect since I paid them on time all the time. They also have my wifes address wrong.
Consumer complaint received 2023-01-10
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: Experian Information Solutions Inc. (TX)

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 the 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 ) A Section 2 : It also states a consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

5 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

This my 3rd complaint with Bank of America concerning the same issue. The original complaint # XXXX was filed on XX/XX/2021. Bank of America refuses to apply my " principal only '' payments to the principal of my mortgage. They have been calculating interest on the wrong principal amount for over a year. Bank of America 's Home Loan customer service department told me any payment I make after my regular mortgage payment and before the next months payment will be applied to " principal only ''. This has not happen. 

Bank of America says they have no way of knowing what payments apply to principal only.
Consumer complaint received 2020-11-04
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. (SC)

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.
Consumer complaint received 2021-05-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (AR)

I happened to discover two unauthorized bank activities/withdrawals from my Personal Checking account in XX/XX/2020 for XXXX XXXX, one on the XXXX and the other on the XXXX. 

I opted to discuss and dispute these two unlawful activities with Regions my Principal bank. I urgently requested the specific status of these unauthorized transactions and the persons and institutions involved. 
My multiple requests were and are still ignored or not acknowledged. As I did report the ID Theft to the Federal Trade Commission that advised on sending a letter to Regions with objective being to re-dispute and urgently obtain answers and cooperation from the bank, they have again and intentionally failed to respond. 

I have since opened and maintained a new account and new information. However, I remain perplexed at the bank 's offensive and unlawful lack of cooperation.
Consumer complaint received 2021-05-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

On XX/XX/2021, I was the victim of a telephone phishing scam involving my Citibank account. Over {$2500.00} was unlawfully taken from my account. When I became suspicious, I immediately contacted Citibank about the incident on the same day. On XX/XX/2021, Citibank sent out an email to its customers warning of the scam. After multiple correspondences via phone and mail, Citibank is denying any accountability. I recently sent them a letter XXXX please, see attached ), providing a list of issues that they have not addressed, including Reg E and my XXXX grand larceny report ( please see attached ). Under Reg E, a set of regulations issued by the Federal Reserve that governs all manner of electronic transactions, consumers are offered protections even when they make mistakes, such as responding to a phishers scam. Why should banks be bailed out when they are defrauded, but their customers are not?
Consumer complaint received 2020-06-02
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. (TX)

I disputed the account XXXX ( XXXX XXXX XXXX ) {$1100.00} with Equifax, XXXX  and XXXX  and the incorrect information is still there. I do not know who XXXX ( XXXX ) is. I have never signed an agreement with XXXX ( XXXX ). They should NOT be on my credit profile. 

I disputed the account XXXX ( XXXX/XXXX  XXXX  XXXX ) ( {$760.00} ) with Equifax, XXXX  and XXXX  and the incorrect information is still there. I do not know who XXXX ( XXXX ) is. I have never signed an agreement with XXXX ( XXXX ). They should NOT be on my credit profile. 

I disputed the account XXXX/XXXX XXXX XXXX with Equifax, XXXX  and XXXX  and the incorrect information is still there. I do not know what this XXXX/XXXX XXXX XXXX account is. I have never signed an agreement with XXXX/XXXX  XXXX XXXX. They should NOT be on my credit profile. 

I sent disputes about the above accounts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The errors still exist
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN HONDA FINANCE CORP (CA)

I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX and XXXX XXXX XXXX to have the inquiry removed from my XXXX account. Have not received a response. I am requesting these inquiries be removed. Reported on XX/XX/2021