davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XX/XX/XXXX , Unauthorized ACH of {$7300.00} on my organisation 's checking account. Reported unathorised ACH to Bank  of America  in   XXXX   XXXX   Faxed an unauthorised ACH form to Bank  of America i n   XXXX   XXXX  . A notarized letter ( signed by the signatories to the account ) was sent to Bank  of America o n  XX/XX/XXXX . Bank  of America  has not refunded the unathorised withdrawal.
Consumer complaint received 2017-02-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (NY)

This group keeps calling me, wo n't say what it is about except that they are from Pioneer Credit Recovery. They call every day at very odd hours. They leave a number, that when called back just puts you on hold for ever ( I made attempts ). I am on the Do-not-call list and the only outstanding debts I have are student loans, federal, that are in repayment at XXXX. My credit score is in good shape, and their consistent calls to me are abusive. I do n't know how to make them stop.
Consumer complaint received 2015-08-26
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: TD BANK US HOLDING COMPANY (NJ)

I have been paying on time for the last XXXX years a HELOC with TD Bank. Back in XXXX 2015, the bank sent me a letter stated that the terms of the loan will change and I will have to pay the loan in XXXX years with a payment XXXX times higher than the original. I 've been trying to refinance, change the loan terms, a modification, all without success. I am already in default for XXXX months and the bank sent me an intention of foreclosure of the property. This is a XXXX home that is rented and I share ownership with my brother ; the main mortgage on the property is paid off. I do n't understand why the bank do not approved a modification and help me with an affordable payment.
Consumer complaint received 2022-02-07
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: RESOURCE PRO (MO)

I received a call on XX/XX/XXXX. It was from someone who helps veterans stay up to date on changes in benefits. In this case, a man asked me if I was aware of some new legislation regarding VA loans, and he asked if I was interested in learning more about refinancing. I've already refinanced recently but I thought I'd humor them anyhow since information wouldn't hurt. He directed me to Resource Pro ( XXXX XXXX, CA ), where I believe I talked with XXXX XXXX ( XXXX ) -- I think I was redirected through the call I was with him on ; the loan center number is XXXX. She collected information from me. I also talked to a man on XX/XX/XXXX ; I believe he was " XXXX '' ( XXXX ) a manager according to XXXX -- though the number the call came from was XXXX. At no point in either conversation did I explicitly consent to a hard inquiry. I wasn't under the impression that they were going to do that. Yet, on XX/XX/XXXX, I checked my credit report and found an inquiry dated XX/XX/XXXX from " XXXX XXXX '', an entirely unfamiliar entity. I talked to XXXX again a few times ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). She was helpful and eventually directed me to XXXX for assistance. I called him twice that week ( XX/XX/XXXX and XX/XX/XXXX ) and left a message. He never returned it. I tried contacting the bureaus and filing disputes, but it didn't work. The inquiry is still there, and I still want it gone. Furthermore, they also did a hard inquiry on my wife 's credit report. She wants that removed as well.
Consumer complaint received 2016-10-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have tried several attempts disputing inquiries that I have made not made to all the credit bureaus. I did not apply for any job now was I granted credit with and of those companies. I even sent certified letters to those creditors with no response back. I would like for all inquiries to be removed from my credit report.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

After carefully reviewing my Transunion credit report there were several unauthorized inquiries being reported. All inquiries took place on XX/XX/2022 and are listed as follows : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (GA)

ON XX/XX/2021, I XXXX XXXX an all natural person applied for a citi rewards master card. the company denied me after placing an inquiry on my experian credit report which lower my score even more. when placing the inquiry on my report my reputation was harmed, my consumer rights were violated under 15 usc 1692d ( 1 ) ( the use or threat of use of violence or other criminal means to harm the physical person, REPUTATION, or property of any person. i never gave permissible purpose to pull my credit report. i have an open end, under 1681b ( A ) ( 3 ) ( F ) ( ii ). under 15 usc 1681ni will like for my credit line to be open with citi financial and i would like {$1000.00} fine paid for the inquiry on my credit report.

( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and
Consumer complaint received 2020-11-26
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been going back and fourth between The EDD and the BOA taking turns waiting and verifying every time I get transferred and then get put on hold and either get hung up on. Or they tell me to call my sponsor. I call my sponsor they tell me call the BOA. All day long for three weeks straight. I have contacted Assembly Man XXXX XXXX abut this matter. I have been treated rudely, I have been hung up on after waiting on hold for over 2 and a half hours every time. Just to be hung up on. I had payments sent to that account and during the time my card was locked and pending verification. Well any funds that where put there between and XXXX all the way until XX/XX/XXXX I believe. The bank did not start denying payments from the EDD as of XX/XX/XXXX. It is really plain to see that my card was locked and funds were being removed. If the account was locked and card locked how did the funds get moved. I am tired of getting a run around I really need my payments and think it is really unfair that I have been waiting a very long time for my payments and here it is now XXXX about to be XXXX and still waiting.
Consumer complaint received 2015-05-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (IL)

Filed a complaint through the White House of the USA. Was assigned Case number : XXXX with your agency. 
Property address : XXXX XXXX XXXX, XXXX, IL XXXX The following response was received from the Company : " Response We have been unable to establish contact with XXXX XXXX to discuss this correspondence. We require additional time to complete our research regarding XXXX XXXX loan concerning the origination of the loan and retention option. XXXX XXXX XXXX, extension XXXX. '' XXXX XXXX is being less than honest. I spoke to XXXX XXXX on XXXX XXXX, 2015, for 17 minutes, at XXXX XXXX. He told me that he would have a response by XXXX XXXX. 

I received the above response on Thursday, XXXX XXXX, and XXXX XXXX left me a voice mail message on Thursday, XXXX XXXX, stating that your agency has given him until XXXX XXXX to respond. 

Given my experience with the modification process, this stall tactic has been well documented by agencies and customers nationally, and seems to be the standard. 

We would appreciate a response from the company, and we do appreciate your help in this matter. 

Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2016-10-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I had accident while working as an employee XXXX. The medical bill was taken care off by workers ' compensation but later on i received a letter from a law firm stating i am responsible for another bill. I called the law firm and provided them with the workers compensation company, the name of the benefit counselor. I was told by the law firm that they just needed the name of the workers compensation, the billing code and everything would be resolved. I never heard from them again. 

I checked my credit report and found out that the said amount had been sent to collection in the new amount of {$230.00} and has damaged my good credit score. I never owed this amount. I have been unable to find a job in my field because of my credit score. 

I would like your assistance to please help with the removal of this negative report on my credit information. 


Thank you
Consumer complaint received 2016-08-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TX)

My home was foreclosed XX/XX/2014 & we had modifications through a previous lender Homeward when it was sold to Ocwen. I believe out modification, loan, payments, & foreclosure was mishandled. 
We have contacted Ocwen on several occasions with no response to the information we requested.
Consumer complaint received 2019-05-05
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. (FL)

I sent a certified letter to Equifax dated XX/XX/19 that was signed for on XX/XX/19. The letter was a formal notice of dispute. 

I waited 34 days to verify Equifax violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the required disclosure, notice of dispute, within the required 30-day period. 

I sent another certified letter to Equifax stating that they did not put a notice of dispute on my credit report, along with a copy of my initial dispute letter to Equifax, proof of delivery, credit report dated XX/XX/19, and a credit report dated XX/XX/19 to show that the notice of dispute statement was not reported. 

Equifax has disregarded my proof of the violation of law and refuses to remove this trade-line.
Consumer complaint received 2020-01-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC (MD)

The payday loan company has charged me an excessive amount in interest fees and finance charges. The amount paid is five times the amount of the loan. According to Truth in Lending Act, federal law prohibits charging more than 2.75 % interest per month in the state of Maryland. The original loan amount of {$600.00} that was established on XX/XX/2019 has been satisfied as of XX/XX/2019. This company operates by extortion and it's time to see this stop.
Consumer complaint received 2022-02-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (PA)

I had a good standing account with chase in XXXX, The account was closed without clause with a balance of over {$5000.00}. The bank stated that my account was under investigation due to my account balance being over a usual limit. I was unsure as to what that meant at that time. I went into to speak to a banker about the matter, the banker tried to look into the issue and was puzzled due to the fact that my account was in good standing for over two yers and was unsure as to why all of a sudden my account was closed with a positive amount current. 

The bank then sent me a check after 60 days of waiting without any access to my funds and proceeded to close the account. I asked if I could reopen an account and I was told no over the phone and in person because I was not the type of customer CHASE wanted to be associated with.
Consumer complaint received 2017-02-27
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

Someone by the name of XXXX, XXXX # XXXX of XXXX, A XXXX is making outrageously erroneous statement ( s ) on XX/XX/2017 that BOFA Merrill Lynch XXXX has a contractual relationship with Bank of America , National Association, and Bank of America , National Association acts as BOFA Merrill Lynch XXXX as provided by the terms of the Mortgage. 
Go to first Attachment, highlighted on page XXXX of XXXX, and go to second Attachment.
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

We all know the this pandemic got more then half of the country on unemployment and there is a XXXX going on. Even though the crisis going on I was trying to still keep up with my payments the account was closed
Consumer complaint received 2016-09-21
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AP)

My apt was closed bad on what i believe to be fraudulent activity. I 'm told I 've missed 4 payments in a tow when debits to my checking account shows different. Tried to access my online crefit card account and it was closed after a large payment of XXXX was paid on it. Then was told that that csme almost 7 dats after the account was closed and i had been notified that my acvount was closing. When i told them XXXX XXXX this was industry he became rude and disrespectful. I would not argue so i hot of phone to reach how to file a Formal complaint against he and Bank of America
Consumer complaint received 2020-09-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was trying to pay extra principal to my mortgage account on this pandemic time while many people are having financial hardship and deferring payment.

on below date i transferred my saving account money to mortgage account. before i did those 2 extra payment my principal balance was {$80000.00}. it's very simple math to deduct {$30000.00} and remaining balance should be {$50000.00} but Bank of America is showing {$60000.00}. 

XX/XX/2020 Extra Principal Payment {$20000.00} XX/XX/2020 Extra Principal Payment {$10000.00} I call BOA mortgage department, debt collection dept ( XXXX ) more than 20 times, every time they pretend they understand but can't change amount because they have their system upgrade and need to approve it from mortgage  department. 
I see many reversal posting in activity which is causing this issue.
Consumer complaint received 2016-06-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC (LA)

Allied Interstate, Inc. contacts our business multiple times every day in reference to a worker 's personal debt despite being advised over and over that this is a business and our workers are not allowed to take personal phone calls on business lines. These tactics include calling the direct lines of every employee which are listed on our website. The calls usually total more than 10 per day.
Consumer complaint received 2015-08-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I went to Bank of America at XXXX XXXX XXXX XXXX in XXXX, TN XXXX to follow up on a service charge refund and the manager, XXXX, violated my privacy by calling out my account balances in the lobby where other customers were waiting to be seen. She also talked down to me because of what I was inquiring about as well as tried to tell me how to do my personal job and that I was doing it wrong in front of other customers. She was disrespectful, extremely unprofessional, and told me to close my business account because it was n't being used in the way she saw fit. She closed the account without any verification of who I was or without my signature. I had to go to another branch to open the same account in which she had closed with no written permission. She made me very upset to the point where I was being bullied into closing my other accounts and wanting to change banks entirely. She interrupted me many times to give her input on what she thought I was going to say.
Consumer complaint received 2017-01-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

This is my second time opening a dispute with TransUnion and my second document that I am sending from the Court to have it removed. Washington law states that once a state lien is vacated/satisfied the documents that I have attached should be sent to your credit agency to have it removed from your record. The governing status of limitation has expired in Washington, detail public records are not released to third-parties agencies. This was a warrant from XXXX Washington. It was actually not a tax lien with the IRS. XXXX filed these documents and they withdrawal the warrant do to payment or a judgement.. NOT A TAX LIEN. XXXX XXXX XXXX. 
Section XXXX ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX XXXX. XXXX ( a ), XXXX ( a ) ( XXXX ) and XXXX ( b ). 
I think there is some confusion with the jargon/verbage as you suggested. The Department will cancel a state tax lien when the delinquent tax liability has been resolved. The Department will mark an entry of satisfaction on the execution docket and withdrawal the lien with the Clerk of Superior Court in each county where the lien had been recorded. I have read reports of these same public records being deleted from other Transunion files. I can go on record to say this is something that was agreed on and paid and should no longer being my credit report. I am in the process of buy a home and it is not fair that XXXX other credit reporting agencies have seen the same letter and removed it from my record. I personally feel as TransUnion is violating my civil rights and privacy laws. Not sure it is my race or gender to which they are holding me accountable for this record that I have provided all the information for it be removed from my report. XXXX. XXXX XXXX. XXXX provides in pertinent part : ( b ) Reasonable procedures. It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit ... in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. This is my last attempt to work this out between the agency. The law is very clear as to the Civil liability and the remedy available to me ( Section XXXX & XXXX ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

To avoid legal action, I demand that you delete all the unverified accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted.
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act Convergent Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE (VA)

On XX/XX/2022, I reported a mistake in my balance. XXXX employees have told me that hundreds of cardholders have had their cash advances doubled, mistakenly, on their balances. That is, they don't receive double the money, they're just charged double the amount that they received. I called again today and the employee acknowledged that there is no evidence that I received double the amount, but that they are still " working on the case. '' I disputed this with the credit bureaus and XXXX responded that the information that they reported is accurate. So, while they acknowledge on the phone to me that it's inaccurate and they're working on fixing it, they are reporting inaccurate information and defending it. 

This harms my credit and the credit of everyone else that is experiencing this. And it's still going on.
Consumer complaint received 2016-06-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

Per my conversation with loss mitigation representative this afternoon, please find pertinent documents attached to show a modification application was in review at time of loan transfer from XXXX via XXXX XXXX XXXX. The denial reason was listed as the loan being transferred - this is not a valid reason for modification denial. I am aware of the 37 day requirement prior to a sale date for modification review however this delay in decision due to the servicing transfer is not the fault of this borrower. Due to this fact I request the sale date be postponed long enough in order for a proper modification review to take place.
Consumer complaint received 2022-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

They sold the debt to a collection company who used coercion tactics to get the debt owed.On a recorded line they agreed to do a pay to delete then once they got paid they said only Bank of America could delete the item on my credit report