davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TX)

I am writing regarding COVID 19 Forbearance and COVID Protections/ COVID-19 payment deferral : Forbearance and COVID Protections Your records indicate that I was under COVID forbearance from XX/XX/XXXX through XXXXXXXX XXXX  XXXX. There were no late fees and no negative credit reporting issued for the account during this time. SLS while it offered some some of forbearance did not offer additional COVID protections/COVID-19 payment deferral at the exit of Forebearance despite requests.

COVID-19 payment deferral Immediately after your forbearance plan ends, an amended federal law allows loan servicers ( SLS ) to offer a payment deferral option to homeowners who finish a coronavirus-related forbearancewithout requiring a complete loss mitigation application. SLS Did not do this, therefore making me delinquent internally. 


The Federal CARES Act ( Coronavirus Aid, Relief, and Economic Security ) offers the following protections for homeowners with federally backed mortgages : 1. Mortgage Forbearance. Servicers required to provide 180 days of mortgage forbearance ( with option to extend for an additional 180 days ) to borrowers attesting to COVID-19 financial hardship. Servicer may not charge any fees, interest, or penalties beyond amounts scheduled or calculated as if borrower made payments on time and in full. Applies to federally-backed mortgages ( FHA, VA, RHS, XXXX XXXX and XXXX XXXX  ) . 

2. Credit Protection During COVID-19. Requires that furnishers of information to credit reporting agencies who agree to account forbearance or modified payments due to COVID-19, report a consumers obligations or accounts as current or as the status reported prior to the accommodation during the period of accommodation unless the consumer becomes current. This applies only to accounts for which the consumer has fulfilled requirements pursuant to the forbearance or modified payment agreement.

COVID-19 payment deferral : I was eligible for a COVID-19 payment deferral immediately after your forbearance plan ends. It was not offered or approved My loan is covered under the CARES Act, and loan should be reported as current to credit reporting companies if You were current before receiving a forbearance plan or another accommodation related to COVID-19 and I made your required payments under the forbearance plan or other accommodation ( or were not required to make any payments ).

Sincerely,
Consumer complaint received 2020-10-19
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$73.00}, {$0.00}, {$0.00}, {$0.00}, {$660.00}, {$570.00}, {$1700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$73.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$630.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXXwith a balance of {$570.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account.
Consumer complaint received 2017-02-03
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (FL)

made a transaction for {$99.00} but was double charged on accident by merchant on XX/XX/2017 ... .i spoke with merchant and they cancelled the duplicate transaction. They have even faxed over an authorization release form to RushCard. I have called rush card XXXX times and have been hung up on by XXXX reps back to back as of today XX/XX/2017. I am highly upset and displeased with how they handle their customers. i requested to speak with a supervisor over XXXX times today and was refused each time by both reps and then they just disconnected the call. I think that is very rude and unprofessional behavior. I was only trying to get them to release the hold on the duplicate transaction of {$99.00} which they have done for me in the past. But for whatever reason I am having the hardest time getting assistance. They are located in XXXX somewhere and they dont even speak XXXX. Their customer service sucks and something needs to be done to force RushCard to use XXXX customer service reps who can understand the customer 's concern and provide superior service!
Consumer complaint received 2016-01-31
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The deposits that were made for additional principal payments were not fully credited to the principal balance. According to the bank, some of the checks deposited were returned. 
We were never informed of the returned checks. Despite numerous requests to get copies of the returned checks, the bank failed to provide us with copies of the returned checks. Even though our requests were very specific, instead of copies of the returned checks, the bank kept sending us the account transaction history. 
[ The detail description of the issues is attached herewith. ]
Consumer complaint received 2019-02-24
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I have been a long time customer with Bank of America for 15 years and had a premium checking account with free interest checking with account balance of {$5000.00} and free safety deposit box, waiver of certain fees for services such as certified checks, etc. However, about a year or ago BoA changed the terms of the Checking and Money Market Accounts and reduced overall services but increased the fees such as charging {$75.00} per yr for the safety deposit box. So I changed the checking account to one that required a lower balance for free checking of {$1500.00} and thought that the Money Market account was closed and the funds moved to the Checking Account. However, in XX/XX/2018 I noticed that instead of closing the Money Market Account BoA opened a savings account so I transferred all of the funds to my checking account and closed the account. However, the account started to accrue a $ XXXX  monthly fee. I noticed a few days ago that there was a - {$15.00} balance on the savings account. I called on XX/XX/XXXX and ( XXXX? ) worked to resolve the issue for 15 minutes when she could only waive a {$5.00} fee I asked to speak to a supervisor. 
The supervisor Mr XXXX put me on hold but hung up. He called me back and had me on the phone for another 30 minutes. I asked that they close the account and waive the fees. They waived another month of fees. However, they could not waive one of the fees so they would not close the account and are leaving it with a {$4.00} balance. 
I am a federal employee and went through 5 weeks with reduced pay so this additional hardship by an organization is unacceptable. I will go into the local BofA branch tomorrow - I will ask them if they can resolve the issue. This is an extreme hassle and I am extremely frustrated. BofA behavior is unacceptable and I can no longer bank with them so while I visit them tomorrow I will close my checking account and take my business elsewhere.
Consumer complaint received 2021-04-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OK)

On XX/XX/2020, an amount of {$14000.00} USD was stolen by PAYPAL. 
Paypal closed my account for no reason and will not help me to get it back up and going. I believe that was a mistake, but I can not do anything about it. Then, paypal informed me that the balance on my account will be on hold for 180days, after that, they will send me an email and let me know when I can withdraw that balance. However, the balance was transferred from my paypal account to PAYPAL itself. As the account holder, I even don't know anything about that payment, because don't want to let me know. They took the money without my permission. I just remembered that I can report this to CFPB and get help from you. My email linked to this paypal is XXXX XXXX
Consumer complaint received 2021-06-03
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: ERC (OH)

This is my second time disputing these accounts that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : -XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX
Consumer complaint received 2019-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

XXXX XXXX Account # XXXX Date Opened - XX/XX/2013 Balance - {$16000.00} Not my account. Shows open with several late payments. After continued requests to remove this error from my credit reports, I have gotten no response from XXXX XXXX.
Consumer complaint received 2023-03-28
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. (FL)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward to the immediate update or correction of the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2015-10-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Platinum Holdings Group, LLC (MI)

XXXX XXXX XXXX called my mothers house and left a message stating my mothers name and it was concerning a claim against her and her home. Of course my XXXX mother called back scared to death someone was trying to take her home. ( I kept this voice mail ) When my mother called them, XXXX XXXX stated, he was actually looking for me?? Then they proceeded to call my employer, which I am unable to accept any personal calls at work.
Consumer complaint received 2023-03-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (FL)

To whom it may concern. 

Dear Equifax, I had pull my credit report and see these unauthorized inquiries in my consumer report. I disputed them with you before and you did not removed them and before I contacted you guys I took my times to call each and everyone of these company. They all told me to contacted you guys. I'm submitting this letter asking for a removal of these inquiries listed and please send me a copy of my update consumer report after removing these inquiries. 

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 2020-10-19
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$73.00}, {$0.00}, {$0.00}, {$0.00}, {$660.00}, {$570.00}, {$1700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$73.00} -This is not my account. 

3. XXXX  XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$630.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$570.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account.
Consumer complaint received 2016-05-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (NY)

In XXXX 2015, the student loan servicer lost my documentation to support a new payment plan. I have an email that was sent to them with the documentation, my social security number, and name which was what the associate said was needed to submit the documentation. In XXXX 2015, after 2 months, I was notified of the missing documention in XXXX 2015 the agent told me if I made a payment my loans would be current and my credit would n't be affected, so I made a payment. Now knowing better I checked five weeks later, my repayment plan had still not been processed, so I had to make another payment to keep my loans ( what I thought was ) current. The following month I checked again and my payment plan was in place, I set up auto pay and did n't think of it again until I applied for a mortgage and was surprised to find that in XXXX 2015 I was reported 120 days late on XXXX separate accounts seriously affecting my ability to secure a mortgage. I called the servicer to file a credit complaint and was told that it appeared a payment was processed incorrectly and that the department is not reachable by phone and this matter would take 7 to 10 days. When I called 7 days later I was told this was still in process and they would contact me for a resolution. When I called to check on the progress at 10 days I was told that I was misinformed and that these claims take a full 30 days. I was also told that there was nothing I could do to dispute the misinformation I was given. I asked to speak to a supervisor, who advised me that I could not contact the resolution department, that I could not move my loans to another servicer and that I would be forced to wait as this situation appeared to be due to my fault for not paying from XX/XX/XXXX to XX/XX/XXXX ( still not 120 days past due ). I asked to speak to a supervisor again and was told that I could not speak with anyone else and that he would submit my case as a teaching tool for other associates to assure the misinformation was corrected. I received an email that a complaint was submitted.
Consumer complaint received 2020-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

I signed up with AAdvantage Citi Card executive because I was on an XXXX  Flight and the flight attendant said they had a great promotion going on and what caught my attention was 2 things, I would get access to admiral club and I would not have to pay the {$450.00} fee because I am in the military. So I signed up. Shortly after I still got charged and tried to fight it and gave all the supporting documents, but they said the flight attendant was wrong and they do not waive the fee. They said I have until XX/XX/2020 to change to a none fee credit card so I do not get charged again. What is even worse I could not even use the services I paid for because they shut down the clubs. I switched the cards as I was instructed and they charged me again another {$450.00}! A total of XXXX and I still can not use any of the services even though I did not agree to it. I already paid the {$450.00} once I will not pay it again.
Consumer complaint received 2016-03-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (OR)

I had several collections show up on my credit report from Midland Funding LLC. I have disputed XXXX of the credit bureaus ( XXXX and XXXX ). XXXX did an investigation and immediately deleted everything with Midland on my credit report. The information remains on my XXXX file and I would like it removed off.
Consumer complaint received 2015-07-13
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY (WA)

Regarding American Express PASS card. I had set up and funded XXXX of these cards for my XXXX children about 5-6 years ago through my regular American Express account. I discontinued funding and use of the cards about a year later. The cards have been destroyed and I thought that the PASS accounts were closed. 

I recently received and email warning me that the PASS card accounts would soon start incurring a monthly fee and if I wanted to cancel the PASS account to call a toll free number. XXXX. 

I called that number and was promptly disconnected after a recorded message that they were too busy to take the call. 

I called the regular American Express customer service number. They could not help with the PASS card cancelation but they attempted to use an internal direct line to connect me to the PASS card dept. I was left on hold for 60 minutes before I ended the call. 

I attempted to access the PASS account through my XXXX XXXX on line account access, but was given a message that my PASS card access was unavailable and that I should call XXXX. 

XXXX additional calls to American Express customer service failed to gain access to cancel the PASS cards, despite XXXX minute waits each time. 

I have attempted to locate any other method of contacting the American Express PASS card service, but have been unable to discover anything more than the same toll free number. 

I asked American Express customer service to pass me up to a supervisory/senior level customer service representative, but was refused. 

I am stuck in an endless loop and unable to contact PASS to ensure that cards are cancelled, any remaining balances refunded, and avoid pending fees. Subsequent calls to the posted toll free number for PASS customer service result in the same recorded message and an immediate disconnect.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-28
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)

When I reviewed my credit report, I discovered that some of the information was erroneous and misleading. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$410.00}, XXXX XXXX XXXX XXXX  Balance : {$8.00}, XXXX XXXX Balance : {$5900.00}, XXXXXXXX XXXX XXXX  Balance : {$23000.00}, XXXX XXXX XXXX  Balance : {$1400.00}, XXXX XXXX XXXX Balance : {$950.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX  Balance : {$0.00}, XXXX XXXX  Balance : {$0.00},
Consumer complaint received 2016-12-08
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO. (PA)

On XXXX/XXXX/2016 Chase Mtg. recived a check for the balance of my loan, payment in full. Chase reported on XXXX/XXXX/2016 to XXXX a credit score firm a closed account with a {$22000.00} balance, the balance is XXXX not the aforementioned. After checking my XXXX report I learned it shows a open account with a {$22000.00} balance. The account was paid in full 9 days ago and Chase 's reporting to the credit firms is not accurate..