davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX SSN : XXXX We started the short sale process with Bank of America on XX/XX/XXXX. We faxed in our authorization multiple times, requesting a payoff demand. XXXX is refusing to provide a Payoff Demand. Bank of America is refusing to provide any information whatsoever on this 2nd TD. 

I have tried to resolve this with Bank of Americas front end dept but no one will help me. In fact, on XX/XX/XXXX I was told that the 2nd TD was service released to XXXX along with the 1st TD in XX/XX/XXXX. I have since spoken with SPS and they DO NOT NOR EVER HAVE HAD THE 2ND TD. 

On XX/XX/XXXX I called Bank of America again. Spoke with XXXX XXXX. She could see the 2nd TD, said our authorization was not attached to the 2nd and therefore she can not help me. She said to fax the authorization in to her managers direct fax number and her manager said she would attach the authorization to the 2nd TD. 

I called back on XX/XX/XXXX and there is still no authorization attached to the 2nd TD. 

I called back on XX/XX/XXXX and there is still no authorization attached to the 2nd TD. 

On XX/XX/XXXX I spent over 2 hours on the phone with Bank of Americas employees and was transferred over and over again by Bank of America representatives who were RUDE, CONDESCENDING, IGNORED WHAT I SAID, REFUSED TO HELP ME, TRANSFERRED ME SO THAT THEY WOULD NOT HAVE TO HELP ME, SAID THERE WAS NO 2ND TD AND TRANSFERRED ME, REFUSED TO ALLOW ME TO SPEAK TO MANAGEMENT, AND REFUSED TO GIVE ME ANY INFORMATION ON A LOAN EVEN THOUGH I HAVE REPEATEDLY SENT BANK OF AMERICAS PROPRIETYARY AUTHORIZATIONS IN WITH THE CLIENTS SSN AND SIGNATURE. Bank of America had no problem attaching our authorization to the 1st TD - that was service released in XXXX, but absolutely refuse to discuss the 2nd TD with me and refuse to attach the authorization to the 2nd TD so that they may discuss it with me. 

As you can see from the title report there is clearly a lien on the property. It was with Bank of America in XXXX. -- -- -- -THEREFORE -- -- -- -- Bank of America has TWO options EITHER provide a payoff demand to me as the authorized third party -- - OR Reconvey the lien off the property. But THESE DELAY TACTICS AND GAMES HAVE TO STOP. It is obvious Bank of America is completely incompetent in dealing with these types of loans AND THIS IS PURPOSEFUL FRAUD ON THEIR PART. 


*******BANK OF AMERICA SEEMS TO HAVE NO IDEA WHERE THEIR 2ND MORTGAGES ARE THAT HAVE BEEN CHARGED OFF ********** NO ONE CAN HELP ME GET A PAYOFF DEMAND ********** THIS IS THE **THIRD FILE** WITHIN THE PAST 60 DAYS THAT WE HAVE HAD THIS ISSUE ********** OBVIOUSLY THIS IS A MAJOR PROBLEM WITH BANK OF AMERICAS RECORD-KEEPING. 


****************************PLEASE SEE CFPB COMPLAINT FILED ON XX/XX/XXXX -- CASE # XXXX ************************** ****************************PLEASE SEE CFPB COMPLAINT FILED ON XX/XX/XXXX -- CASE # XXXX **************************
Consumer complaint received 2019-10-28
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Volvo Car Financial Services U.S., LLC (SC)

I have been a long time customer of Volvo and Volvo Financial Services over the last six ( 6 ) years and three ( 3 ) vehicles. During that time, I have never had a late payment or negative mark of any kind on my credit. However, when upgrading my lease from my second lease to my third lease, Volvo Financial did not update my current Volvo Financial portal account as it had done in the past. This meant that my auto-pay settings from which all of my previous payments were made never rolled into the new lease ( as had been done in the past ) and the automated payments that I had relied upon in the past were not made. As a result, no payments were submitted for two months which lead to a 30-60 day non-payment event on my credit report. In addition, no attempt was made to contact me in order to let me know that the third lease was behind in payment. It was only when I tried logging into my Volvo Financial Portal account did I realize that my original account was deactivated and I would need to register a new account for the new lease ( a step that I did not have to take in my previous two leases ). Once I registered for a new account, only then did I see that my account was two ( 2 ) months past due. Upon realization, I immediately paid the outstanding amount and set up a new auto-pay. This new requirement for creating an entirely new Volvo Financial Portal account for each lease was not made known to me until it was too late. In fact, when I spoke to my Volvo Dealer at the time of the third lease, he told me that I would NOT have to update my Volvo Financial Portal account. I followed up with him after learning this and he and his team were completely unaware of this new requirement. Volvo Financial has been a wonderful leasing company and this situation does not change that opinion. I realize that I represent a bit of an edge case ( three sequential leases ), but still believe that I shouldn't be held responsible for a change in their technology platform impacting an auto-pay function that was set up and working for the first two leases. Hopefully, this story helps anyone working with Volvo or a customer of Volvo Financial avoid this situation.
Consumer complaint received 2022-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (CA)

We bought our house in XX/XX/XXXX with the understanding that we would pay XXXX $ a month for principal, interest, tax 's and insurance. 

On XX/XX/XXXX I uploaded my tax documents to them, I have a confirming doc id # from them stating that they received it, and spoke with them over the phone to insure they got it and it would be paid. 

On XX/XX/XXXX they dropped our Morgage payment down to XXXX XXXX 
I called them and expressed my concern that this wasn't correct and that someone had made a mistake, but they assured me that they had greatly overestimated my tax 's and this was my new payment going forward. 

On XX/XX/XXXX our Morgage payment jumped to XXXX $ a month. Thats a XXXX $ increase that puts us at a hardship as we cant pay that amount every month. Thats an XXXX $ a month increase on what we originally signed legal paperwork to pay. 

I will be uploading Documents related to this complaint. 

I am not complaining because I need to pay back the escrow shortage. They paid our tax 's and insurance, like they were supposed to, I wanted to pay them back. 

My issue is that this was THEIR MISTAKE. Our original bill was correct, but they dropped the payment on us and let our escrow acct fall behind XXXX $ and then expect us to pay it back within a year. 
I tried speaking with them and getting a 2 year payment plan set up so we could afford to pay it and they wouldn't budge. Noone wanted to acknowledge the mistake and work with us, they said simply XXXX $ extra a month, or pay it off in full now. 

We are getting our situation taken care of, and we will be ok. But, id like them held responsible so that this doesn't happen to someone else that isn't fortunate enough to be able to pay for their mistakes. We could very easily have lost our home because of this simple, easy to avoid mistake, and they didn't accept any responsibility for the mistakes they made that led to our hardship.
Consumer complaint received 2017-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

XXXX XXXX, XXXX XXXX XXXX is an address I never lived at and it has been there over 40 years wrong and NOT amended. 
I have another issue with the previous owner of this house I now live in XXXX XXXX XXXX XXXX, XXXX, AZ XXXX as still listed somewhere as still having a business working there I have lived here since XXXX XXXX and I had to sign a waiver when refinancing the house stating there 's no business there.
Consumer complaint received 2019-10-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (GA)

On XX/XX/2019 I executed a transaction to sender {$140.00} to my son XXXX XXXX in XXXX. The total cost of the transaction was {$150.00}. When my son attempted to pick up the money, he was informed that the funds had been returned. ( We were subsequently informed that my son has been barred from receiving funds for reasons that have yet to be explained ) The transaction was sent under Tracking No. XXXX I returned to the XXXX XXXX XXXX # XXXX where the transaction originated.The agent called Western Union for information on the refund. He was given a refund no. XXXX and instructed me to check in 3 hours. I checked with Western Union later that day and the following day being informed that the funds were not yet available. Two days later, I went back to the agent at XXXX and who spent 30 minutes on the phone with Western Union - he was told the refunds had been issued in Colorado and that they would have to do an internal investigation. The matter has been given a case no. XXXX. 

Repeated calls to Western Union have failed to result in any significant action. In the two weeks since this occurrence, I have received no communications from Western Union explaining their actions or indicated when or if I would received the funds.
Consumer complaint received 2023-01-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NJ)

I am the victim of an altered check deposited with Wells Fargo Bank and drawn on XXXX Bank. I am seeking reimbursement in the amount of {$9200.00}. 

On XX/XX/2022 I wrote a check payable to XXXX XXXXXXXX XXXX in the amount of {$6200.00}. The check was drawn my checking account with XXXX Bank. The duplicate check, indicating the payee was XXXX XXXXXXXX XXXX and the amount was {$6200.00}, is attached. 

The check was mailed to XXXX XXXXXXXX XXXX. On XX/XX/2022 I became aware that the check was stolen and altered without my consent or knowledge. The payee name was changed to XXXX XXXX and the amount changed to {$9200.00} ( attached ). I then contacted XXXX and completed the attached Affidavit of Unauthorized Activity ( attached ). 

On XX/XX/2022 XXXX, having learned that the altered check was deposited into a Wells Fargo Bank account, requested reimbursement ( attached ). 
The check was clearly altered and forged. The payee XXXX XXXX was not entitled to payment. As depository bank Wells Fargo is strictly liable for conversion of this stolen and forged check. As payee bank, XXXX Bank is liable for an unauthorized charge to my checking account. 

I have requested reimbursement from Wells Fargo Bank and XXXX Bank but they refuse to reimburse me.
Consumer complaint received 2017-12-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (DC)

On XX/XX/XXXX I executed a sale of bitcoin on coinbase.com worth {$6800.00}. The funds were supposed arrive in my USD wallet that same day ; the transaction message I received stated the following : " Your USD will arrive by the end of day on Friday XX/XX/XXXX ''. This message is still being displayed in the transaction records as per XX/XX/XXXX, and to date I have not received payment. The transaction status shows " pending '', while the sale of the bitcoin shows the status as " completed ''. 

I contacted customer support after noticing the Funds were not available the following day, and the company responded with an e-mail instructing me to look up potential causes for delays on their website. There was no information regarding delays for sales of bitcoin and funds not showing up in the USD wallet. As per the company 's site, USD wallet transaction are supposed to be immediate. I responded to company 's email several times asking for further assistance, but never received a response. My case has not been updated since XX/XX/XXXX. The company 's costumer support phone number does not handle transaction issues, which means I am out of options at this point.
Consumer complaint received 2022-09-08
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. (FL)

To whom it may concern, This serves as written notice that I have rights under 15 USC 1681.

15 USC 1681 section 604A section 2 states A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

My consumer rights have been violated Numerous times and dismissed despite prior written request to update records. 

On XX/XX/2022 certified letters were sent to XXXX, XXXX and Transunion to update my personal information which was not done. Also on the same date I requested the following accounts be removed
Consumer complaint received 2017-12-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LTD Financial Services, L.P. (CO)

I was checking my credit report and saw that on XX/XX/XXXX a debt in the amount of {$790.00} was posted to my XXXX credit report. The original debt collector is listed as XXXX XXXX XXXX XXXX  for XX/XX/XXXX. I have attached a document that shows the XXXX recording of the error on pages 7,9,11,12, and 13. I have never done business with a company by that name. I have no idea where this charge came from. It is not my charge. I never received written notification about the debt.I would like this erroneous debt removed from my credit report. I am reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX UT XXXX, Business Phone : XXXX, and LTD FINANCIAL SERVICES, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX for fraudulent charges and collections.
Consumer complaint received 2017-11-01
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. (FL)

I recently ordered my credit report from Equifax and noticed that there were a few inquiries that I did n't recognize or authorize. Listed below are the inquiries that are unauthorized and unrecognizable. 

XXXX XXXX XXXX XXXX/XXXX/XXXX *XXXX XXXX/XXXX/XXXX *XXXX XXXX XXXX/XXXX/XXXX I called and spoke to a representative and she stated that there was nothing that she could do to help me. I put an fraud alert on my credit report for XXXX, XXXX, and XXXX for reasons like this. I would like to have these inquiries removed immediately.
Consumer complaint received 2017-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (AZ)

I had an account with XXXX XXXX XXXX # XXXX XXXX. I recently closed the account and paid it off in full. 

However, I am getting repeated calls from someone called Credence Resource Management. I have been contacted by them twice in the past 24 hours. I do not owe anything but yet the calls keep coming.
Consumer complaint received 2021-06-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

I submitted 2 letters two Experian advising their reporting a collections account that is not mine. It is over 30 days and still no response of verification. 

Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Collection
Consumer complaint received 2020-10-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

My mortgage was recently transferred from XXXX XXXX  to New Rez. I had late charges and was offered a settlement of late charges in the amount of XXXX. I paid this fee. They were supposed to send me an email confirmation and cancel the rest of the fees. That never came. I called and New Rez, or acutally I was speaking to someone from a company called Shellpoint, said they had received the payment, but had no record of the letter they sent. I was to then send the letter, which I can not currently locate. I do not think the burden of proof should be with me. I don't understand how they can not find the correspondence as it came directly from New Rez. I want them to forgive the rest of the charges and send me a copy of the correspondence.
Consumer complaint received 2021-06-24
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: Experian Information Solutions Inc. (OH)

Date XX/XX/2021 Name XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX Credit Bureau Name XXXX, XXXX, EXPERIAN Credit Bureau Address Re : Request to Remove Unauthorized Credit Inquiry Dear Sir or Madam, I recently received a copy of my XXXX, XXXX, EXPERIAN credit report and I notice there is an unauthorized credit inquiry made by ( ). I do not recall authorizing this credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into Professional 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry to determine who requested this credit inquiry. 

If you find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am in error, then please send me proof of this. 
Thank you in advance, XXXX XXXX
Consumer complaint received 2017-08-18
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. (GA)

I have contacted ( and made disputes ) with Experian several times about a Fraudulent account appearing on my credit report. Every time I do a dispute with Experian comes back stating that the account has been " verified '' and the debt is mine. Which is completely false. Experian has not provided me with any proof of their investigation or proof that the debt is actually mine. The account in question is ... .. XXXX XXXX XXXX Account Number : XXXX ... .... I would like to see signed proof that I opened this account and the debt is mine. It will be impossible to furnish that proof because I have never done any business with this company.
Consumer complaint received 2017-11-01
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Jonathan C. Frank & Associates, LLC (OH)

I have a company that is contacting me over and over again. They contacted me and obtained financial information from me. After this, I searched their phone number and found they are a scam company. They proceeded to contact a family member this morning and left a voicemail on their phone. They need to stop contacting me and my family members. The phone number is XXXX. They have a F rating with the BBB and they are not accredited. 

Jonathan C. Frank & Associates PLLC XXXX XXXX XXXX XXXX, TX XXXX They have numerous open complaints about their " law firm ''. 

BBB Rating : XXXX XXXX XXXXXXXX Complaints about them being a scam : XXXX XXXX XXXXXXXX
Consumer complaint received 2022-01-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is my 10th complaint that I am filing against TRANSUNION. There were two [ 2 ] deleted inquiries from my TRANSUNION credit report after my disputes and now TRANSUNION is liable to compensate me with monetary remedy. By deleting the inquiries off my report, TRANSUNION is admitting that their practices are in fact abusive and deceptive. I used my power to speak up as a natural person for the abuse that was being done to me and in turn, TRANSUNION deleted the inquires after I disputed. 

Pursuant to 15 U.S. Code 1681a : -The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

-The term consumer means an individual.

-The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


Pursuant to 15 U.S. Code 1681o, TRANSUNION is liable to compensate me in the amount equal to the sum of damages done to me for the failure of compliance with the requirements under the Fair Credit Reporting Act. 

I have been going at this case for over 100 days now and I will not stop until I get compensated as TRANSUNION is liable by law to pay my invoice.
Consumer complaint received 2018-02-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (SC)

Original CreditorXXXX XXXX XXXX XXXX  now known as XXXX XXXX XXXX, lease an apartment from them. Roommate broke lease. There is a fee to break lease roommate refused to pay after I paid my half amount. Was never contacted by them for remainder. Get a phone call from Hunter Warfield on XX/XX/XXXX for amount. Wanted to deal with original creditor. The original creditor refused payment. Original creditor referred me to deal with collection agency. Requested verification of debt on XX/XX/XXXX Debt was verified. Started to negotiation with settlement for original amount of {$1200.00}. On XX/XX/XXXX letter was sent with amount of {$1200.00} with {$4.00} as interest. In original contract there is no interest. Debt collector is seeking to collect more than what is originally owed. In addition, tried to make phone contact onXX/XX/XXXX to settle account. Made phone calls at XX/XX/XXXX and XXXX XXXX  with the phone number provide to me in a letter at XXXX. Hunter Warfield did not answer phone during normal business hours. In addition sent email to XXXX XX/XX/XXXX with no answer. A letter was sent on XX/XX/XXXX with full amount of {$1200.00}. Hunter Warfield recieved check on XX/XX/XXXX via certified mail. Since that date Hunter Warfield has not cash the check for payment in full. Hunter Warfield sent letter to consumer suggesting that if payment is not receive then will put negative listing on credit report.