davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I wanted to visit XXXX XXXX, Oregon. I called first to the hotel and was assured they were adhering to the mask mandates for COVID. I was assured by the general manager that their policy was " no masks no service '' and they were adhering to rules related to cleanliness. On XX/XX/20 I made a reservation with my credit card. On XX/XX/20 I drove there only to find a small hotel lobby very crowded with almost everyone not wearing masks. The general manager and her employee were not wearing masks and were checking in people, entire families, without masks. In the parking lot were license plates for every state in the western USA. So I waited until it cleared out and went in and nicely asked the manager why she wasn't wearing a mask, and why they were not adhering to the " no masks no service '' rules she promised me. She refused to respond. I nicely asked for my deposit back and I didn't want to stay there, and they said no, that I had to ask for a refund fund more than 24 hours before my reservation date. So I was trapped. I couldn't sleep in my car, I could n't drive home as it was too far, so I stayed the night and left XXXX the next morning. My trip was ruined. I was worried about my exposure. My doctor had me self quarantine for two weeks after the trip. I filed a complaint with OSHA and I was told the hotel got in a lot of trouble. I contested the charge with Bank of America. What a nightmare that was. All attempts to send them copies of the OSHA complaint failed, " we never got it ''. All attempts to talk to them and explain the situation failed. Their policy is irregardless of life threatening situations and things being not as described because I did stay the night my contested charge failed. All attempts to appeal this or talk to BofA have failed. For instance today I called and got two young women who had no idea what I was supposed to do. They were completely unhelpful when all I was asking was what is the procedure to appeal. Under the Fair Credit Billing Act, which BofA is no longer adhering to, I have rights. But in the last few years those rights have gone from BofA helping me, the customer, to now making it difficult to contest a charge and more often than not siding with the merchant. The " not as described '' are now ignored by BofA. The " goods '' in this case where lodging and it was provided " not as agreed ''. But BofA doesn't care about that part of the law anymore and it's almost impossible to even speak to a person in the USA. For two hours this morning I spoke to young women in a foreign location who had little or no training related to disputes.
Consumer complaint received 2020-07-21
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: AMERICAN HONDA FINANCE CORP (CA)

AMERICAN HONDA FINANCE IS SHOWING LATE PAYMENTS I WAS NEVER LATE I ASKED FOR REMOVAL MULTIPLE TIMES. THERES 5 LKATE PAYMENTS BEING REPORTED THAT NEED TO BE REMOVED FROM ALL 3 BUREAUS.
Consumer complaint received 2021-08-19
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CO)

EMAILS SAYING I OWE THEM MONEY AND IF I DONT PAY IT. I WILL BE LAID OFF FROM MY JOB THEY WILL HOLD MY SS NUMBER I WILL NOT GET MY PAY CHECKS, I WILL NEVER GET A JOB AGAIN AND I WILL BE ARRESTED IT IS A DIFFERENT EMAIL EVERY TIME, THEY DONT GIVE ME A NAME OF WHO IS EMAILING IT. JUST LEGAL ACTION WILL BE TAKEN. I CAN LIST THE EMIALS XXXX XXXX XXXX
Consumer complaint received 2020-10-30
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (CT)

I have a XXXX XXXX XXXX where I make a XXXX dollar minimum payment. I recently have gone through financial hardship and have been late on making one payment in XXXX of XXXX that was 30 days late. Since then I have paid off the card and have been current ever since.
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ditech Financial LLC (UT)

Ditech # XXXX is reporting lates to my account that I should not have. It has always been on auto draft and the debt was sold to XXXX XXXX at the beginning of XX/XX/2018, however the new loan is also showing the same late. By law lenders are to give 60-90 days for servicing transfer. I was never late and this should not have lates on it.
Consumer complaint received 2020-10-30
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. (FL)

Dear Experian/XXXX/ XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (CO)

I paid a collection from LVNV funding and it is still not showing as paid on my credit report. I have the receipt showing paid and have even tried disputing it with the credit bureaus but have had no success in getting it reporting correctly.
Consumer complaint received 2020-06-02
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: TD BANK US HOLDING COMPANY (LA)

I have personally attempted to work with TD Retail Card Services, XXXX XXXX XXXX, XXXX, XXXX  and also XXXX. I have continued to file disputes regarding a account reporting to my credit report at all agencies. XXXX  deleted the information as their investigation determined the information could not be verified. XXXX  and XXXX  has continued to report this deleted information that XXXX  found as inaccurate or fraud. I have contacted TD via phone, Email and via their own dispute process but have been unsuccessful. After talking with TD they also state they have no account for me. TD says I would need to get XXXX  and XXXX  to delete the info. The credit reporting agencies say it is verified and the responsibility of TD to update the information if inaccurate. 

PLEASE HELP!
Consumer complaint received 2020-10-30
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. (FL)

Dear XXXX/XXXX/ Equifax Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2020-10-30
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: Experian Information Solutions Inc. (NJ)

This complaint concerns Experian accessed via the URL usa.experian.com For several months I have been unable to login to my account on Experian. I tried the self-service tools on the website for UserID and/or Password recovery but they do not work and always lead to a message instructing you to call Experian customer service. I have tried calling Experian customer service dozens of times over a period of months but the automated voice response system often disconnects the call requiring you to call again. Not once have I ever reached a representative to assist me with my problem. 

I still receive email alerts from Experian but without the ability to login to my account I am unable to intelligently react to these alerts.
Consumer complaint received 2020-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (CO)

I made my mortgage payment on XX/XX/2020, it came back because of an incorrect routing number, it was corrected, and still never went through. XXXX payment was sent in via a cashiers check from my bank. It was sent via USPS Certified mail. This check was received and signed for on XX/XX/2020 and was for two payments, XXXX and XXXX. This check was issued by XXXX XXXX  in XXXX XXXX , XXXX and cleared XXXX XXXX  on XX/XX/2020. It was made to CMG FINANCIAL CERTIFIED. As of today, XX/XX/2020, the funds have not been applied to my account, and are still unaccounted for by CMG Financial. 
I have been threatened by CMG Financial by numerous letters that if I do not pay the past due payments that foreclosure could result.
Consumer complaint received 2020-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (TX)

XX/XX/2020, Navy federal Credit Union closed my credit card after 4 years. I had perfect payment history for the 4 years the account was opened. I contacted the credit union in regards to their decision to not reissue the card once it expired in XXXX asking them why such a decision was made. I explained to them that I am in the process of purchasing a home and that this action would effect me adversely by reflecting negatively on my credit report. I checked my score today and it dropped 38 points. I was devastated because I know this will prevent me from obtaining the loan and interest rate that I need. I requested an investigation by the credit department and I was told that it was their right and decision to not reissue cards.
Consumer complaint received 2017-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

I made a transfer from an overseas account-XXXX pensions-into my New York based account at J.P. Morgan Chase on XXXX XXXX XXXX of XXXX Euros. There was a digit wrong on the account number. XXXX and I both informed Chase of the error that same week. XXXX days after the transfer was made. Chase maintained for several weeks that the money never arrived into the mistaken account and they had no idea where the money was. This despite several Swift recalls on the part of XXXX. When Chase finally declared the money was in fact, in the incorrect account most of the money had been taken out. Chase said they had no recourse and returned to me in XXXX only XXXX USD of my money and then finally gave XXXX USD saying that was all the money that was left. 

Chase has refused to put anything in writing about this incident. They were informed nearly immediately about the mistake and did nothing to correct it in a timely manner.
Consumer complaint received 2021-08-19
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. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2020-12-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Date : XX/XX/2020 Amount : I have about {$40000.00} in my saving account at the Fifth Third Bank I need to have a recent statement of my saving account for my application for refinance. However, 53 only provided me statements up to XX/XX/2020, which is too old for my refinance application. I contacted 53 requesting the statement for a recent month but was told that the statement will only be generated every three months, and the next statement I will receive will be end of XX/XX/2020. This will impact my refinance application- the rate is being locked only for 30 days since middle XXXX, and I need this statement as document for my refinance application. Without the statement for my saving, I may not be able to get my refinance approved and receive damage financially. It is frustrating that with more than $ XXXX in my saving, I can not even get a statement. Please investigate 53.
Consumer complaint received 2019-10-22
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. (NC)

I have been trying to rectify my credit report due to 3 accounts listed on my credit report that does not belong to me. For almost 8  months of constant communication with Equifax my disputes keep coming back saying it was verified as me. On XX/XX/2019 I mailed in evidence that three accounts held by XXXX in the amounts of {$220.00}, {$130.00} and {$150.00} to Equifax proving that those accounts are under a different name and should not be reporting on my credit report. I am still awaiting a response from my last complaint. However, I received notice from Equifax on XX/XX/XXXX that they have deleted only one account. All three accounts are under the same name yet Equifax only deleted one. I would like to have this further investigated as I am uploading the evidence for the corporate department.
Consumer complaint received 2020-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

This complaint is in regards to the CARES Act and the inability of Citizen One Bank ( COB ) to timely remove my request from Forbearance, their tactics and handling of the process. Simply stated they are leveraging the Forbearance provision in the CARES Act to collect payments versus helping people. 

In late XXXX I requested Forbearance from a COB mortgage for a home that is rented to a real estate agent. COB approved the Forbearance but did not notify me for until late XXXX forcing me to make a payment prior. So I accepted the Forbearance for the XXXX and XXXX payment. 

In XXXX, I was able to begin making payments and began doing so. Again and unbeknown to me COB extended the Forbearance without notifying at all, no email, no phone call, nothing in the mail until they had already extended for another 90 days. I continue to make my payments and immediately contact them to get me out of Forbearance. COB stated they could not remove me from Forbearance until their Loss Mitigation Department had approved for the two unpaid balance to be deferred. They first stated it would take 10 days, then 30 days, and after 60 days it they still had no idea when they would get to the approved deferral. 

The reason I ( and probably many others ) wanted out of the Forbearance is because we had a great opportunity to refinance our home mortgages at much lower rates. In light of the pandemic, this was a blessing to restructure this debt but it could not be done until the Forbearance closed was at least 2 months of regular payments were made. 

I finally just had to repurpose some other bills to immediately pay the two months balance which was the only way the COB Loss Mitigation Department would remove me from Forbearance. And even so, they were incredibly hesitant to do so without immediate payment because if I did immediate pay the balance I could be reported to credit agencies.

So if COB had any interest in complying with the law, they did so in a shameful and wirily way. First they did not let me know in time to take advantage of 90 days of Forbearance, 2nd they extended the Forbearance without any approve or consideration from me, 3rd the locked me into a long and extended means of approving a deferral, and finally treated the Forbearance like a credit collection event versus the assistance that the CARES Act provided for and was intended.
Consumer complaint received 2017-12-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (KY)

What happened to me was that last year I bought my girlfriend a purse at XXXX. I was unaware that while purchasing the purse, it was done with a XXXX card. For months after I made the purchase, I had no clue that XXXX had opened up that card and made the purchase with it. It wasnt until I started to search for a home did i start to keep up with my credit and see all the unpaid payments I didnt make to this card that I didnt know existed. Its absolutely destroyed my credit and I havent been able to change it even though Ive paid the balance.
Consumer complaint received 2021-10-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XXXX XXXX I have contacted CAPITAL ONE to inform them of violating my consumer rights as I have never been told I have the right to rescind my contract, never have they explained that the finance charge is the sum of all charges 15 USC 1605 also no cash comparable in a consumer credit transaction.15 USC 1602 ( p ) defined credit card mean any card plate coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. I extended credit to XXXX and I the natural person and cardholder received no benefit. XXXX practiced unauthorized use of my credit card pursuant to section 1643 of this title means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority such as use and which the cardholder receives no benefit. Only I the consumer and natural person have authority over my credit card XXXX is under the truth and lending act, which states that I am only responsible for the finance charge. This contract is VOID AND NULL no further payment is to be made on this BREACH CONTRACT!
Consumer complaint received 2020-05-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams & Fudge, Inc (FL)

I checked my credit and saw an account from Williams & Fudge for XXXX XXXX XXXX for {$850.00}. At the time that I ended the school program, I lost my job and was the victim of a XXXX XXXX that caused my kids and I to become XXXX. Therefore, I was unable to take care of my monthly bills. It has taken some time to fully recover and now COVID19 has caused my employer to furlough my role. I am trying to fix my credit and right some of the wrongs. the debt is five years old, so I would like to settle with {$400.00} and have the debt deleted from my credit report.
Consumer complaint received 2020-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Starting in XX/XX/2020 Bank of America opened an escrow account on my mortgage account charging me an extra {$270.00} each month. I pay my property taxes and home owners insurance separate from my mortgage and I did not approve for an escrow account to be created. My monthly mortgage payment is suppose to be {$730.00}. I see many lawsuits online about Bank of America creating fraudulent escrow accounts on mortgages with the clients consent. I have call Bank of America over XXXX times about this matter and no one ever picks up the phone in the escrow department. They do not provide you with a direct number to the escrow department and no other group has a phone to this department. I sent them a message about this matter since my phone calls did not resolve the matter. They sent me an escrow analysis for my account but I should not have had an escrow setup for any reason,
Consumer complaint received 2020-05-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

***COVID 19 FRAUD .. 2020 CARES ACT LAW VIOLATIONS*** Our mortgage qualified for the Covid 19 forbearance plan, and Nationstar is reporting the loan as past due while scaring the homeowner. They are also not giving the consumer the option to pay the for the forbearance at the end of the loan. Faced with a {$200.00} million quarterly loss if they follow the law, Nationstar has decided to steal homes from victims of the 2020 pandemic.

I am not making this up ... attached are copies of the correspondence received you clearly see " you qualified for covid19 assistance '' followed by " all payments are immediately due '' and " your loan is overdue '' signed by them. 

This loan was also originated with loan origination fraud, Nationstar and XXXX Mortgage admitted required items were left off escrow at loan origination ( copy o attached also ) but they claimed that escrow fraud and theft of escrow was well within their rights. 

Loan fraud and escrow theft was confirmed by a XXXX XXXX detective on this file and it was forwarded to the FBI IC unit. I assume Covid19 is slowing the prosecution of XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX.