davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-18
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have applied multiple times for mortgage assistance with Bank of America specifically after my home was broken into around XXXX time which the person or persons caused a considerable amount of damage, at the same time my young son was diagnosed with illness, and to add, I was a victim of identity theft where my bank account was emptied. Bank of America continues to deny me for assistance, in a letter dated XXXX XXXX, 2016 Bank of America which provided me with a new Relationship Manager XXXX XXXX who I have never spoken to despite numerous calls. The letter request that I continue to provide all the documents previous requested by XXXX XXXX, 2016. In a letter dated XXXX XXXX, 2016 I received a Notification of Assignment, Sale or Transfer of your mortgage '' The notice went on to say that Bank of America has sold my loan to XXXX XXXX but as legal title trustee for XXXX XXXX effective date of transfer was XXXX/XXXX/2016, while I was in the middle of my loan modification application. The Notice stated that my loan servicing was transferred to XXXX XXXX XXXX in XXXX TX which is known as foreclosure mill and is not structured to provide loan modifications or assistance. Upon contacting XXXX XXXX in response to their letter dated XXXX/XXXX/2016 " Welcome '' I requested to know what documents were sent from Bank of America and XXXX response was None! I am force to sell my home with the writing on the wall, premature transfer of my loan prior to a response to my request for mortgage assistance, a Point of Contact that makes no contact.
Consumer complaint received 2016-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

All XXXX reporting agency 's are reporting incorrect information on my credit report and have caused me to loss jobs, etc. The following are the XXXX report numbers that I disputed with them : XXXX, XXXX, XXXX. I have a XXXX on my credit report and it is not my account. I was at XXXX time an authorize user on this account and have asked to be removed from this account. All three reporting agency 's are reporting this account as my account when by law I have no ties to this account. I contacted XXXX and they said I was only an authorize user at XXXX time and asked them to remove me. I also asked all three credit agencys to remove me and they will not remove this account. I am attaching my recorded statement that I took of my conversation with XXXX and what they said that I am not the owner of the account at all. I need your help in getting this account removed from all XXXX reporting agency 's. The XXXX account # XXXX Please assist me in this investigation as the XXXX agency 's will not correct this information and delete this account. This is my last chance to try to get this corrected before hiring an attorney. 

If you could assist me I would appreciate it. 

Warm Regards, XXXX XXXX XXXX
Consumer complaint received 2015-10-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I am requesting that TransUnion immediately update and correct the address listed on the TransUnion Credit File to read : XXXX XXXX XXXX Ct XXXX, XXXX, WA XXXX. My Social Security # is XXXX and my Date of Birth is XX/XX/1988 in case it is needed to correctly identify me in their system.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report in accordance with the Fair Credit Reporting Act. Additionally, send me any supporting documents you may have for this request. 
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 2020-10-18
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Control, LLC (PA)

for the last 6 months i had at times multiple calls daily. early in the morning, last at night all weekend long.im not getting calls from a 5th different number in the same time frame. from the 3rd different company referring to this account. ive spoken to a few different people to attempt a resolution for the account. none of which were manageable with this current financial crisis we are facing. with trying to keep my kids taken care of and more important bills under control. im just sick of being harassed by anyone trying to collect on this. i get it, its a debt that needs addressed. but, they will literary have to wait their turn. as a closed account and negative mark on my credit report, which stands in my way of doing important things like getting the mortgage on my house, so i can lower my money bills. they are literary standing in their on way preventing me from saving money money on bills to be able to afford to address things like this and while at the same time making me never want to look at my phone. i see their numbers so often i almost know by heart. i wouldn't be so upset at the situation, but they don't need to call me something like 500 times to tell me what i already know.
Consumer complaint received 2017-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (FL)

XXXX XXXX I bought a XXXX smart phone at a XXXX store. I told the clerk I needed to connect to internet on multiple devices, including streaming XXXX. She sold me an unlimited data plan to meet my needs. When I got to my son 's home I looked at the papers the XXXX clerk gave me and noticed there was no invoice detailing the service -- such as how much data, when I would be billed, for how much etc. There was only a receipt for the phone itself. I immediately called the store to complain about this and was told the store would be closing in 30 minutes -- not enough time for me to go back there to get an invoice. The next day -- Monday -- my grandkids visited me so I could not go to the XXXX store for the invoice for services they neglected to provide. On Monday I attempted to use the phone 's data to connect to the internet on one device and also connect to netflix using firestick on my TV. I was able to connect to either one or the other using the XXXX 's phone hotspot but I was n't able to connect to two devices at the same time. I owned a {$25.00} smartphone that comes with a limited amount of data per month. With this really cheap phone, I am able to connect to both a laptop and watch XXXX on another device AT THE SAME TIME. So I know what 's possible and I dispute the XXXX clerk 's description of the XXXX XXXX as a " high end '' phone if it ca n't do what my cheap phone CAN DO! 
On XXXX morning, less than XXXX hours after I bought the XXXX phone, I returned it to the XXXX store where I bought it, citing the reasons given above. The clerk said he would refund {$1.00} to my XXXX card mastercard but would charge me a {$50.00} restocking fee. I asked why and he said because it was a high end phone. I consider iphones to be high end phones. I pointed out that the XXXX phone did not perform as was promised and was not able to do what my super cheap smartphone can do. I told the clerk I would dispute the {$50.00} restocking fee with the credit card company. I did dispute the {$50.00} restocking fee. XXXX issued me a credit on my next statement, but now the full amount of {$51.00} AGAIN appears on my XXXX card statement. Furthermore, the sales clerk I returned the phone to lied right to my face. He told me XXXX would " waive '' the {$5.00} data charges I incurred for the incredibly short time I had this phone, but XXXX actually did charge my XXXX card {$5.00} for the data. I did n't dispute the {$5.00} data charges because I actually used a small amount of data.
Consumer complaint received 2023-03-27
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. (GA)

Under the FCRA, credit bureaus must have a permissible purpose and the consumer 's consent before sharing their credit information with third parties. This consent must be provided in a separate, clear and conspicuous manner, and must be separate from any other agreement or contract. I have not provided them with my express written consent for the credit information in question to be shared with third parties, and therefore, thier reporting of this information is a clear violation of the FCRA.

I would like to bring to your attention the following case law that supports my claim : In Swofford v. Eslinger, the court held that a consumer did not give his express written consent for his credit information to be shared with third parties when the consent was buried within another document and was not clear and conspicuous.

In Hinkle v. Midland Credit Management, the court held that the defendant violated the FCRA by reporting information about the plaintiff 's account without her consent, despite the fact that the plaintiff had not provided her express written consent for the information to be reported. 


Address in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA, XXXX Accounts In question : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP (NJ)

Law firm Pressler & Pressler filed a judgement against me without providing any correspondence /communication. Ive now received a notice of a bank levy. This firm was fined in 2016 for operating illegally yet they continue to do so? When will they be stopped? 
I was not able to disputed nor have they validated this debt. 

Please help!
Consumer complaint received 2016-08-24
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: 1st Franklin Financial Corporation (AL)

Today 1st Franklin came to my place of employment. I was not at my desk but received XXXX voice mail messages from securty advising that someone from the company was in the lobby to give me a financial debt claim. I am very embarrassed. I entered into a reduced payment amount and I am experiencing financial hardship. 
I am not disputing the debt. But would like to settle for 50 %.
Consumer complaint received 2020-10-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Thomas Agency, Inc. (NH)

I was taken to XXXX Hospital in XXXX of 2016 for a emergency, I had government issued health insurance which covered my medical bills 100 %. After a few months I started getting bills from the hospital saying I owed XXXX from the hospital. I tried many times calling in my insurance information to the hospital for them to send to the insurance, they did not put it through to my insurance but instead kept harassing me with bills again. I once again called in my information to the hospital. The hospital charges are broke down into each department that treats you. Every department put my bill through to my insurance all except XXXX themselves. Now they have sent it too collections. I have tried to dispute it through XXXX but they denied me even though I gave them all the information. XXXX Hospital has to have my insurance on file because I was seen in their emergency room in XX/XX/2016 for a XXXX XXXX, that lead to XXXX in XXXX for a XXXX XXXX that was covered XXXX by my insurance.
Consumer complaint received 2017-11-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (AZ)

The holder of my FHA mortgage loan Loancare is refusing to review or look at my current financial information to consider me for loan modification or other homeowner assistance programs. Every time I call I speak to a different person, and they give me the runaround and have set a foreclosure sale date instead of letting me be considered for any homeowner assistance programs. They have set a sale date of XX/XX/XXXX, and over the past several months have never once looked at the paperwork I submitted or given me any feedback or communication. Additionally they have failed to provide Occupied Conveyance paperwork prior to the scheduling of the sale date as required by HUD guidelines. 

I bought this home a little over a year ago. At the time I was making a solid living in sales, and my wife worked at a doctor 's office. We applied for and were qualified for this FHA government purchase loan based on our income at that time. Not long after buying the home my wife was involved in a bad car accident. She was unable to work and I had to take a couple of months off to care for her, so for a period of time there was NO income coming in. When I went back to work the business had dramatically slowed down and it was the holiday season so it was a bad time to try and switch and find a new sales job. Once my wife was ready to go back to work she found that her hours were drastically cut because the doctor she worked for was cutting back on his hours and went on a long vacation as well. The combination of these factors over a few months affected our income and we ended up defaulting on our loan. 

I immediately contacted Loancare to try and resolve this matter and offered to make partial payments while I got back on my feet. I was told no, that I should wait and make the full payment when I could. When I called back to try and make the full payment I was told that they would not accept it because now they needed two months of mortgage payments AND late fees in order to accept my payment. I could not do this and the situation began to snowball. I contacted their agents repeatedly to request the chance to be considered for a loan modification. Every time I called in I would talk to someone different. No one gave me the option to apply for help or be reviewed for any programs, instead I was told the only thing I could do was reinstate the loan. 

I have since found a new job and make a solid living again. I have filled out the home retention package and sent it in to Loancare on several occasions but have never actually been reviewed, never had an assessment completed of my financial circumstances and have never had a point of contact assigned. Instead Loancare marches to foreclosure and denies me access to these programs they are required to review me for. I can afford a reasonable payment and deserve the chance to fix this problem and get back into regular payments on my mortgage loan with Loancare.
Consumer complaint received 2016-11-03
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY (TX)

Bought American Express Bluebird card XX/XX/2016 @ XXXX. Amount deposited to card {$10000.00}. Spend {$14.00} and {$2.00} on temporary card. Received/activated new card, but did not " link '' temp card # to new card. Have unused balance of {$82.00}. Am Ex will not transfer amount of {$82.00} to activated card because I can not give them either temp card # or code from pack. I shredded those upon activating new card. XXXX gave me printout of transaction, but Am Ex insists can not trace temp card without card # or code. Please note they have my entire profile on file to go by that. Surely I am not the only senior citizen to have neglected to link the two cards. Is this a scam?
Consumer complaint received 2015-05-25
Product: Credit card — 
Issue: Bankruptcy — 
Company: JPMORGAN CHASE & CO. (UT)

Chase has failed to report my credit card correctly even though I have disputed the account # XXXX. The debt was included in my chap XXXX bankrupcy. It is illegal to report it as an open account, a collection, or a charge-off. XXXX to the XXXX monitoring report of XXXX XXXX, the account appears as follows : XXXX lists it as open and in collection. 
XXXX lists it as closed but in collection. 
XXXX lists it as closed and a charge-off. 
None of these reports are correct. I disputed it through the XXXX 's and have had no luck. I wrote directly to Chase and had no luck. I have attached my original letter to Chase, Chase 's first response, and Chase 's second response. I have attached screenshots of the relevant portions of the credit report. Chase reports my dispute as closed by consumer. That is incorrect as well. Furthermore, Chase lists XXXX other accounts as charge offs. I asked for those to be corrected, but have received no response. Chase ignored that portion of my letter asking that they tell me which documents or who they contacted to confirm the information. I am entitled to that information under the Fair Debt Reporting Act.
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY (FL)

I recently requested a notarized validation and verification of debt with a wet ink signature as when I initially signed up I was unaware that the credit card was an asset backed security and believed I had made a mistake by not knowing. I explained I was the agent over the principal and believe I was due back unearned interest. This account was charged off, a taxable event to which I requested not only information about the asset backed security but also for the forms filled with the IRS and the SEC. I asked for accounting information in accordance with GAAP. I asked for a TRUE BILL along with other documentation to which I was ignored and only recieved a copy of a statement, to which I specifically told them was unacceptable. I requested a copy of their debt collection license for the state of Florida, I was ignored. I explained that if they didn't send that information I could not move forward, According to House Joint Resolution 192 I am unable to pay a debt as it is against public policy. I explained that if they did not provide the proper information I would consider the debt discharged and should be removed from my credit report immediately. Again I was ignored. Instead of providing me with the proper documentation, they took adverse action against me and placed a derogatory mark on my credit report which is unacceptable and they do not have my consent to share my personal information.
Consumer complaint received 2020-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (TX)

I have this issue with CITI back to XXXX, then I submitted a complaints in here in XXXX, they contacted me and sent me two letters in XXXX and XXXX claiming they will solve that for me. I had attached two letters from CITI as evident. It'salready been XXXX now I still have not received my welcome bonus. I swear I will never become a CITI customer again, they have the worst customer service. But I won't give up getting my bonus back. Please see attachment how CITI promised to solve this issue for me and it's been almost 5 months it still not been resolved.
Consumer complaint received 2018-11-30
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. (AZ)

On or around XX/XX/18 my identity was stolen and the criminal was using my name and information to try an open accounts online. While trying to open these accounts multiple hard inquiries were placed on my credit score with multiple credit reporting agencies. Of the three reporting agencies, Equifax, has been the only agency which refuses to remove the fraudulent hard inquiries. I have had to file a previous complaint with the cfpb regarding Equifax not removing a fraudulent hard inquires after multiple attempts contacting them. Equifax, in that case, and in this case, refuse to acknowledge they have received appropriate documentation from the company which requested the inquiry, even though the company had sent multiple requests Equifax to remove the inquiries. My previous complaint ref # XXXX-XXXX. 

I am having the same issue with getting Equifax to remove the fraudulent inquiry that was placed on XX/XX/18 by XXXX. XXXX has sent multiple requests to Equifax to have this inquiry removed, Equifax claims they have not received any documentation. After multiple phone calls back and forth between Equifax, who claims they didn't receive anything, and XXXX, who claims they have sent documentation 3 times, I called Equifax to voice my concern, the representative requested that I send a fax into Equifax with my police report and a letter indicating the situation, the fax was sent on XX/XX/2018. 

It has been over 90 days and I still have no resolution. I personal feel Equifax is the company dropping the ball, as they were the reason for previous inquiries not being reomved.
Consumer complaint received 2024-01-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (TX)

I am distressed by your bureau 's disregard for removing fraudulent accounts, despite filing a valid report on Identitytheft.gov and explicit confirmation from associated banks that they will remove the accounts immediately. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-06-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

There is an alias on my credit report that I have never used. Someone had used my SSN to rent an apartment and then did not pay. The default went on my credit report back around 1990 or so and I had to contact an attorney to remove it since I was purchasing a house. I know see the alias is still on my credit reports.