davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I inherited a condo from my mother after she passed away. Bank of America holds the mortgage on it. In summary, after sending in the executor information multiple times ( I even walked them into a branch and received documentation that they received ). Bank of America continued to say that I had not sent the docs and would not take payments from me as I was " not an approved person to speak to ''. As a result, I not only incurred XXXX of dollars of late fees, but ultimately the loan was put into foreclosure. I was finally able to pay the balance, but in the end have incurred over {$1200.00} of fees because of their incompetence, let alone the hours and hours and hours that I spent trying to rectify this. While I am now received statements and am able to pay the loan, if I call to ask any questions - for example, I 've been trying to set this up for payment on line -- they still insist that they do not have any of my documentation and they ca n't help me. The loan has now been sold to XXXX XXXX, who is saying that they ca n't speak to me because they have no documentation that I am the executor. I am copying you on a letter that I sent to XXXX XXXX, the CEO of Bank of America, both by email as well as in hard copy on multiple occasions, with no response. My ultimate objective is to 1 ) be sure that the banks acknowledge that they have my documents stating that I am an executor and that they can talk to me/take payments from me/set up on line payment with me, and 2 ) receive a refund or credit of the over {$1200.00} in fees I incurred over the course of this process. If I was not as persistent, aggressive, and knowledgeable as I am, I may have lost the condo to foreclosure -- it occurred to me that there could be XXXX if not XXXX of people that would not have been as persistent nor had the knowledge to get something done, and would have unnecessarily lost their home -- this is unacceptable! That combined with the fact that I 've had XXXX response from anyone with the multiple complaint letters and phone calls I 've submitted is truly scary..
Consumer complaint received 2024-02-23
Product: Credit reporting 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. (TX)

I do not recognize these inquiries on my report. I called in to the bureau asking them to remove them and they informed me that they needed me to complete an FTC report in order for them to do so. I have went ahead and did that. Please remove these Inquiries from my report as they are not mine. The Inquiries that need to be removed include EQU : 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 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 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
Consumer complaint received 2016-12-16
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (VA)

I went into First Virginia loans in an attempt to get a loan for about {$600.00} to get my A/C fixed during the hot summer months. I am a diabetic and extreme heat makes me feel very sick. My A/C wasnt working at all. They talked me into getting a larger loan and said that it would be paid off until 8 months but I had flexibility with the payments, but I dont. I have been paying {$850.00} per month for almost 2 years to try to pay this off because the interest rate is 150 %. I am NEVER going to be able to pay this off. I feel as though I am trapped and with my medical expenses for my XXXX and XXXX I feel I am stuck. I called the store to get help but they told me that I needed to call corporate, but corporate said that they cant help me because I am not in default. That 's is insane because I am trying to keep from getting into default. This is predatory lending at its finest! Once you borrow the money, you have to re-borrow forever just the be able to pay your normal expenses because of the unrealistic interest rate and monthly payments. This should be against the law. This is trapping consumers in a downward spiral.
Consumer complaint received 2015-11-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (PA)

My mortgage was sold to a company called SLS ) Specialized Loan Servicing XXXX in XXXX of 2015. Since that time they call my home multiple times per day, almost everyday. Sometimes XXXX right after another. My account is not in arrears, my information is current and they have all insurance documentation. I have repeatedly asked them to stop calling. I have also faxed them a cease and desist as they requested. The calls have not stopped.
Consumer complaint received 2015-09-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

equifax has been reported item on my report ... i have asked who verified this account who they speak too how did they verified it ... ..i reported it ..and i have XXXX or XXXX letter stating that it was verified ... thats all but I 'm requesting information and they do n't provide me with any proof ... ...
Consumer complaint received 2015-08-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Robinson, Reagan and Young PLLC (WA)

I cancelled my XXXX service on XXXX XXXX, 2015. I was told by the representative that my final balance was XXXX. XXXX never sent me any bill or demand. Instead, on XXXX XXXX, I received a collection letter from XXXX, a collection company. I filed a complaint with the Bureau of XXXX Financial Protection, and XXXX ceased working on my account XXXX Case number : XXXX ]. Subsequently, on XXXX XXXX, 2015, I received a new collection letter from a different company : Robinson, Reagan and Young, P.L.L.C. Since I have never received any bill or request from XXXX, and since they referred my account to collection agencies after telling me I had a XXXX balance when I cancelled, I am filing this complaint.
Consumer complaint received 2022-02-09
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: EQUIFAX, INC. (NM)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.
Consumer complaint received 2015-10-22
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

My friend wrote me a personal check from his Bank of America checking account. He left the payee line blank. When I walked into Bank of America 's XXXX XXXX XXXX, XXXX, MO XXXX office at XXXX on XXXX XXXX, 2015 to cash the check the bank teller and a female branch manager both refused to honor it. They stated that " Federal Reserve regulations prohibit us from accepting the check ''. My understanding of banking laws is that when the payee line is blank, the bank may ask me to fill in my name, endorse the back of the check, or show proof of ID but may not refuse to honor the check. Please advise.
Consumer complaint received 2017-03-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Bull City Financial Solutions, Inc (NC)

I receive a message from XXXX stating there was a XXXX collection on my credit file with all three credit reporting agency. I pulled my credit and seen it was for a XXXX hospital in XXXX XXXX NC and the collection companies name is Bull City Financial Solution in XXXX NC. I called and talked to a XXXX at the call center and she stated to me the account clearly is n't mine and i will remove and broke this account from all there credit bureau 's asap, It Never happened!!! So called back in 30 days and asked why is n't it been removed and she stated to me its your account we have court doc stating its yours, So i called the Hospital and talked to a supervisor in billing and he stated this account clearly is n't your and i will pull it from the collect company!!! So called the credit company back and asked why has n't been removed yet, XXXX said its your account and we will not remove it. I have filed a police report and also filed a lawsuit under fair patience laws. They want even give me the paperwork under the FAIR CREDIT REPORTING ACT, 15USC-1681 TO PROVE ITS MINE. Please help
Consumer complaint received 2017-03-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have been sending complete loan modification packages to my lender. He tells me to wait 30 days and after that he sends me a new package to apply again, without giving me any answer. We have repeated this process over and over again without any help. I attach the last letter they send me, equal to many they sent before.
Consumer complaint received 2015-08-09
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX XXXX CO on or about XX/XX/XXXX on Transunion. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX XXXX CO has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
Consumer complaint received 2023-03-22
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: EQUIFAX, INC. (NJ)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2016-05-03
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (IL)

I submitted a dispute against Well Fargo Auto Finance via XXXX XXXX for my credit report stating that I have an open car loan. After the investigation with XXXX XXXX, that account was marked closed. On XXXX XXXX, XXXX, Wells Fargo Auto Finance reported the status as open and they updated the account from XX/XX/XXXX to date as a charge off. I am currently in a Chapter XXXX, where Wells Fargo Auto Finance is included and to my understanding, they are not supposed to be reporting on my credit report at all as they are under my bankruptcy, and they have done so.
Consumer complaint received 2022-02-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENOVA INTERNATIONAL, INC. (KY)

XXXX XXXX  XXXX XXXX  XXXX company notified me regarding a loan that is in default that I did not apply for or sign for. On the paperwork, the social security number is wrong and not mine. The address used in the paperwork is my address from a different state back in XXXX. I didnt authorize this transaction nor did I know about it until I received a letter from the above ago.. I have documents showing that I did not live there and I contacted the XXXX XXXX sheriffs department and filed a fraud report, which in turn they notified the above Company. They also notified XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, Ohio, XXXX of identity fraud. On XX/XX/2022 I received another letter from the above company who recommended I file this report. I have called the XXXX XXXX  sheriff to get a copy of the complaint. They will try and get one, but we where hit by an F4 Tornado which destroyed our Court House. XXXX at the Sheriff offices said they will try to get a copy of the report. XXXX XXXX call the above Company regarding the fraud. Also there are no signatures.
Consumer complaint received 2017-03-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AmeriHome Mortgage Company, LLC (SC)

The county I live in sent a tax bill for XX/XX/2016 that was about {$1600.00} more than what I actually owed. I contacted them asking why my payment had gone up {$300.00} a month and literally had to spend hours asking them to explain why before I came to the conclusion that my taxes must have been messed up. I contacted the tax assessor office the same day and they contacted me shortly after saying they sent a refund back. I emailed Amerihome telling them they were sent a refund and it has taken them a month to process that. I STILL do n't have an updated statement ans was told they would send one shortly, but then was also told in that email that my payment still is going up by {$100.00} a month. I have had to email AGAIN to try to find out why my payments are still being increased even though I straightened out the tax issue and I am waiting on a response. I have never had to spend such a ridiculous amount of time trying to do what essentially should be their job. I do n't understand why my mortgage is being increased after resolving the original reason for the increase, I ca n't get any reasonable answers when I call them - the people I 've talked to when I call give the impression that they have no knowledge of the mortgage process and i am beyond frustrated. I need an answer that makes sense and I need my mortgage put back to the amount I should owe with no increase! I just received another statement in the mail today that shows I still owe way more than I actually do from the incorrect tax amount.
Consumer complaint received 2021-11-05
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FORD MOTOR CREDIT CO. (NC)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : 1. XXXX XXXX XXXX XXXX**** Balance : {$0.00} ; 2. XXXX XXXX XXXX XXXX**** Balance : {$0.00} ;
Consumer complaint received 2017-02-25
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Dynamic Recovery Solutions, LLC (MI)

Hello, When I just come from XXXX, I had XXXX years old, much everyting seems to be new and different to me. I start working, but I did n't know that there were people that was planning to make me feel sick and XXXX by bringing me to problems that they sure n't can involugrate me on, i were not inform of much and they violate my trust and laws of respect, dignity and identity, and now I have been harassed by collections agencies, for example this one that I just find in my mail today from : Dynamic recovery solutions original creditor : XXXX original account number XXXX current Creditor : XXXX DRS Account No : XXXX Current Balance : {$10000.00} I feel they just have been disturbing my patience, and they try to charge something that I dont have, something that I did n't purchase. I hope some one can help me to stop the corruption and harassment they have been planning against me and good people.
Consumer complaint received 2017-02-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

On XXXX/XXXX/17, I noticed that my Transunion credit report showed that I had missed one of three payments. The missed payment was from XXXX. This account should 've been deleted from my credit report.
Consumer complaint received 2015-07-10
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One notified me of potential fraudulent activity on my account XXXX Note it was the XXXX time in a year there was fraudulent activity ). I confirmed the activity was fraudulent and was issued a new card. I was told I would not be responsible for the charges. Then 10 days later I get my bill and the charges have not been removed. I was informed it was because the charges were still pending when the fraud claim was filed and it was my responsibility to call back. This is ridiculous for 2 reasons. 1. I was not told this on the initial call. 2. Capital One should develop a system to remove these type of charges without the customer waiting and calling back a second time. It seems like willful ignorance to not have a few fraud claims disputed. As I explained to the agent even a pen and paper would be a sufficient system to deal with these issues.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I am writing to file a complaint with the Consumer Financial Protection Bureau regarding a creditor that has violated the " Consumer Reporting FAQs Related to the CARES Act and COVID-19 Pandemic. '' My name is XXXX XXXX XXXX, and my contact information is as follows : XXXX XXXX XXXX XXXX XXXX, Michigan XXXX On [ XXXX XXXX and XX/XX/XXXX ], XXXX XXXX took the following actions that violate the Consumer Reporting FAQs related to the CARES Act and COVID-19 pandemic : reported Late payment during the Covid-19 pandemic. As a result of these actions, I have suffered a big drop in credit score, which in return affected my chance in renting apartment and financing a car later on.
Consumer complaint received 2017-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX 
ACCOUNT # XXXX THIS IS A INVALD COLLECTION ACCOUNT. THEY NEVER NOTIFIED ME OF THIS ACCOUNT PRIOR. THEY HAVE NOT PROVIDED PROOF THIS ACCOUNT BELONGS TO ME, AS WAS REQUESTED IN THE CERTIFIED LETTER SENT TO BOTH XXXX and Transunion. THIS WAS A IDENTITY THEFT CASE. TRANSUNION PLEASE REMOVE THE COLLECTION FROM MY REPORT.
Consumer complaint received 2021-01-19
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. (PA)

I have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.
Consumer complaint received 2022-02-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DMB Financial, LLC (AZ)

dmb financial will not give me an answer on how many payments i have left i have been paying them XXXX dollars every two weeks XXXX dollars a month for 44 months around XXXX dollars they paid off about XXXXthey have still not paid off one of the crediters you folks really need to shut this scam down i am at my wits end here thanks for whatever you can do.XXXX  XXXX
Consumer complaint received 2016-06-12
Product: Credit card — 
Issue: Billing disputes — 
Company: Law Offices Howard Lee Schiff, P.C. (MA)

I started paying a loan to XXXX back in XXXX. This was for a credit card that started out at XXXX XXXX I agreed to XXXX at there balance of XXXX. So I paid XXXX $ a month and now its XXXX and I owe now XXXX. I paid towards this XXXXand out of that XXXX they took XXXX out of the XXXX. How can this ever be paid off if I 'm owing more than I started at? I just received my information on my balance as I 'm getting concerned seeing that this is never going down. Id appreciate you looking into this. Ive attached my statements.
Consumer complaint received 2017-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have contacted XXXX numerous times and the final time was X/XX/2017, about not being able to access my credit file. I was told that information was incorrect in my file and that i would need to send a copy of my Social Security card and Drivers licence. I have complained and called many times regarding not being able to access my information. The Customer service agent began to read out information that was totally incorrect in my file. I believe that the information contained in my credit profile is wrong and unauthorized. I asked to have unauthorized inquires and unknown addresses removed in a letter that was previously sent to XXXX. I never received a response regarding that letter.
This poor handling of my personal information has made it very hard for me to obtain credit and move forward with a positive quality of life.