davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-13
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My sister transferred funds from my mother 's HELOC accountto her personal account per Bank of America. These transfers occurred approximately XXXX years after our mother died. 

Original HELOC had XXXX co-signers. XXXX are deceased and I am the third. B of A suspects my sister represented herself to be our mother and made transfers of approximately {$300000.00} between XXXX and XXXX. 

My sister continued to make all interest payments. Further she sold house, collateralizing the HELOC XX/XX/XXXX and made no principal payment from sale proceeds, yet she provided the buyer a Warranty Deed. Bank of America charged off the HELOC in amount of {$340000.00} XX/XX/XXXX and it appears on my XXXX credit report. I had no knowledge of this until XX/XX/XXXX
Consumer complaint received 2015-06-19
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BOEING EMPLOYEES CREDIT UNION (AR)

I request to dispute the payment late for XXXX days that has been appearedIn my credit score information. I have some reason why I late to pay. 
The reason is when I got accident my insurance company said thatThey will pay off my car so I delay my payment. 

The XXXX reason are I have already pay for the insurance full coverage withXXXX XXXX but my lenders which is BECU still charged me for full coverages insurance. 
In that time I need to pay XXXX for the insurance. After I talked to themThey said that they will reduce my monthly payment but the monthly paymentStill in the same amount. Then I delay again my payment. 

Thanks for ur attention. I ll wait for ur best resolution and suggestionBecause this case has already ruined my credit score so much.
Consumer complaint received 2021-09-03
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aargon Agency, Inc. (NV)

One of the debt is paid off I contact the number on file but can not get anyone. When I paid the debt it was agreed to be place off my report. Account # XXXX. These accounts is negatively affecting my credit score and I would like it taken off XXXX
Consumer complaint received 2017-02-15
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WYNDHAM CAPITAL MORTGAGE, INC. (CA)

I began the process of refinancing my home with Wyndham Capital on XX/XX/2016 in order to pay of the first mortgage and a HELOC balloon payment that was due on XX/XX/2016. The loan specialist from Wyndham promised me that they could get me an FHA loan and that it would close in 28 days. Over the next three months they asked me for the same documents repeatedly, kept submitting the same request forms to the IRS for tax transcripts from my mother, and missed critical deadlines in order to close the loan. They missed the due date for the HELOC, missed the grace period, and in short never closed the loan. Because of this I no longer could get an FHA loan so one of their representatives tried to get the loan servicer ( XXXX ) to report that I had made the XXXX and XXXX payments so it would show XXXX on time payments and not report as late, but of course, XXXX could not do that since it would be a fraudulent statement. Finally in XXXX Wyndham sent me an email saying that they could not move forward with the mortgage since my credit showed late payments. They are the reason that the loan was late. This has ruined my credit rating and refuse to help me.
Consumer complaint received 2015-09-05
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

Bank of America XXXX XXXX credit card - I have not used this card in years. Annual fee was reported as bad credit to credit reporting agency. My credit score of over XXXX with nothing late is now XXXX. I found out when I went to apply for a mortgage. We were in the middle of selling XXXX home and purchasing another. I phoned Bank of America customer service and they were unwilling to help. When I saw the XXXX XXXX mail the XXXX time I did open it. It was already to late. I told XXXX the manager at Bank of America, " I have n't used this card in years why would you still send this out and charge me? '' Her respond was, " you knew what it was when you signed up. " If a person does not use a card in 3, 4, or 5, years why should a credit card company be able to bill you and then ruin your credit because of a fee? 
Can someone help me with this problem?
Consumer complaint received 2015-11-04
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Blackhawk Network Holdings Inc. (MD)

I purchased visa gift card labeled as debit from giftcardmall, but they are sending product incapable of handling debit transactions. 

The major issue is that this specific debit product I received does not come with PIN ( in violation of federal reserve board regulations ), therefore, it can not be processed as debit card even though it has the word of DEBIT on the card. 

Additionally, they deliberately mixed the " terms and conditions '' of different products ( issued by different banks ) for the same item, so that consumers are unable to tell which product we are actually purchasing. 

The terms and conditions page for the item : XXXXXXXXThe terms and conditions page for XXXX product : XXXX
Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, Wells Fargo closed my account because I have a XXXX  mailing address. We XXXX XXXX XXXX XXXX, everyone here has a XXXX XXXX XXXX. This was without warning They then said, the check was mailed to an old address, I hadnt lived at in years. 

So they knew I had a new address, closed my account because of it, then supposedly sent the check to my old address anyways It was never cashed. I needed them to cancel it, signed a Declaration letter, had it notarized by Wells Fargo, waited the 90 days they said it would take to make sure no one cashed the old one, and they never sent the new one. I cant get in touch with the office that handles the writing of the checks, since they dont take phone calls, that is a quote from them I dont know what to do? 
Please help
Consumer complaint received 2022-09-04
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: T.S. Holdings (FL)

In accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15USC 1681. IQ DATA INTERNATIONAL IN, has violated my rights and XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. Section 604 A section 2 : It also states a consumer report agency cannont furnish a account without my written instructions.
Consumer complaint received 2019-02-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Account Recovery Specialists, Inc. (KS)

I didn't receive any written or phone communication about this debt from the collection agency. I saw it on my credit report and promptly paid in full. This was supposed to be paid by insurance and I have since put a claim in with my insurance company. The full amount was for {$430.00}. I was also never given written documentation about being able to dispute the debt in order to get it off of my report. I called the agency and they said that since I paid it there was nothing they could do to help.
Consumer complaint received 2017-03-09
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I applied for a refinance on my condo with my current lender, Bank of America, in XX/XX/2016. 20 year fixed rate on an investment property condo, 3.75 % fixed rate. During the underwriting process, it was discovered ( by BofA no later than XX/XX/XXXX ) that there was an insurance coverage issue with my building. They did not notify me of this problem until AFTER the appraisal had been completed ( XX/XX/XXXX ) and I called them ( XX/XX/XXXX ) and it was too late to cancel/reschedule in order to avoid a {$690.00} appraisal charge. At no time was I notified of any other issues/problems with the underwriting of the loan by anyone affiliated with Bank of America. It was n't until I called the loan officer on XX/XX/XXXX to inquire about the status that I was then notified about the problem. On/around XX/XX/XXXX I received a notice that they denied the loan due to this not being resolved. I was able to facilitate/coordinate between the lender, HOA, and building insurance to resolve the coverage issue on XX/XX/XXXX, despite there being 3 national holidays and during the XXXX and XXXX season. Had I been notified earlier, this could 've been resolved and my loan would 've closed. I have lost over {$690.00} in appraisal fees and the rates for a comparable loan are at approx. 4.50 % or higher now. This will ultimately cost me thousands of dollars in interest over the 20 year term. I have tried my best to work with BofA before filing this complaint and they have been non-responsive since XX/XX/XXXX. I have called multiple times and emailed without any response whatsoever. They claim I lost rate locks, but I was never notified of this or any other delays.
Consumer complaint received 2020-10-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (PA)

After reviewing my credit reports with all 3 credit bureaus on XXXX, I realized I had a collections account under my name to the Collection Agency : Caine & Weiner. As part of my due diligence, I submitted a letter of validation to Caine & Weiner, requesting proper documentation validating the legal obligation of payment, NOT a request for verification NOR a refusal to pay. This validation letter was sent on XXXX via certified mail. I received a response from Caine & Weiner, dated XXXX, without proper documentation validating this debt. In response, I sent a 2nd validation letter on XXXX, through certified mail, requesting the agency to present proper validation and documentation of this collection debt within 15 days. I have not received any response ( either by phone, mail, email, etc ) from Caine & Weiner up to this day, XXXX. Because this collection agency has failed to provide me with the correct validation documentation, their erroneous reporting to the Credit Bureaus has highly impacted my personal credit report negatively and has limited my opportunities to open new credit lines and take out a mortgage to purchase a home. I am sending this complaint to the CFPB for additional help/assistance to delete the erroneous reporting presented by Caine & Weiner - XXXX XXXX XXXX XXXX XXXX, CA XXXX.
Consumer complaint received 2016-06-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TCF NATIONAL BANK (IL)

My bank checking was account was attempted to be scam in the amount of {$3200.00} but XXXX caught this and is now investigating this. Now in regards to this they have had {$3200.00} on hold from me gaining access to my money for 67 days which has caused me a financial hardship of not meeting my bills responsibilities on time and as a result of them doing so I had to join a debt relief program, have my credit go into negative reporting and lower credit score in which I feel they are responsible for this in not resolving their investigations in a timely manner.
Consumer complaint received 2017-03-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America sent us a check in the mail for overage on our escrow account, They did not complete and escrow analysis on our account as to date- Normally they would pay the Home owners insurance first they they would see how much money would we owe to pay our taxes. But to the large refunded amount we will receive from escrow will make us short from with paying our home loan, Later they will submit a larger fee for us to pay on our home loan.
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

This is a follow-up to Complaint # XXXX. I was contacted by XXXX XXXX by email on Thursday, XXXX XXXX, 2020. The email indicated that in 48 hours, their account will be deleted from my credit report. Today is XX/XX/2020, and the account is still on my Experian credit report, and it was reported on XXXX that I made a late payment to this account. After several attempts, I have been unable to reach Experian. The prompts give only 3 options to choose from which do not apply to me, and they are all automated.
Consumer complaint received 2017-01-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: National Credit Systems,Inc. (GA)

I am a victim of identity fraud and my information was misused to get several accounts including this one account with XXXX XXXX. I sent over numerous documentation stating that this is n't my account and they still are reporting this as my debt and they 've hired a collection agency to attempt to collect a debt that is n't mine. I have even told them to send over proof. They have sent over a contract from an attorney, that shows forged signature and will not put me in contact with the representative that witnessed this signature. This is n't my fraudulent account and this company still has n't tried to look into this matter.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

the items that i request deletions from Equifax are the following because i am a victim of identity theft are as follows : FAMILY SUPPORT DIVISION XXXX {$4200.00} XXXX XXXX {$4200.00} XXXXXXXX XXXX XXXXXXXX {$24000.00} XXXXXXXX XXXX XXXXXXXX {$21000.00} XXXX XXXX XXXXXXXX {$1600.00} i have provided attachments below
Consumer complaint received 2021-06-04
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. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-02-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am XXXX and have been denied for a remodification of my loan. I successfully completed the trial, Unfortunately due to my illness I need XXXX upgraded in my house for my XXXX. During which time, I had to move out of my home and keep up the expenses at my home and still ( rent ) another place, while being on a fixed income. I 've been in my home for 20 years and it is all I have. I 'm asking now that I 'm back in my home, is for the payments that are behind to be put on the back of the loan. I have nowhere to go, Please help I want to keep my home.
Consumer complaint received 2016-09-12
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have XXXX account with Bank of America.One account is a primary checking another checking account and also a Money Market account. Last month XXXX XXXX XXXX fees were added to my account by the bank.They added XXXX and a additional XXXX monthly fee. I called the bank to complain about this. They told me they added these fees because I had to many withdraws. I was told by a second representitive that they could refund me some of the money the bank had charged me. This person tranferred me to another representitive and they said there was nothing they can do to help me. I have had this account since XXXX and they did n't ever charge me. I ask them to not put additional charges on this account due to no activity since the month it happen but there has been another XXXX dollars fee added this month.
Consumer complaint received 2017-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Several Accounts that were satisfied and arrangements were made are still showing negative on my credit report. .several attempts have been made to have them removed bit they still remain and when ever I contact the credit company that ca n't provide me with acurate information Att wireline. XXXX XX/XX/XXXX XXXX XXXX charge off XXXX and XXXX dollar should not be on my credit There are 14 XXXX XXXX XXXX student loans the show closed, delinquint that 's should be removed because arrangements were made and all were satisfied XXXX  XXXX and loan XX/XX/XXXX arrangement was made and satisfied for the XXXX dollars Both XXXX XXXX charge off should not be on my report ...
Consumer complaint received 2020-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was disputing a Bankruptcy on my credit report that XXXX verified as accurate. Confused by this i sent them a letter on XX/XX/2020 through certified mail with the tracking numbers XXXX XXXX XXXX XXXX XXXX asking for their method of verification. On XX/XX/2020 i received a letter from them Experian stating they were able verify that bankruptcy from my credit report by saying it was accurate but they failed to giving any proof on how they were able to verify it. i waited over a month with hopes that they will send me another letter with the verification i asked for but still i got nothing. ... .. 


Also for TransUnion i also asked for the method of verification with tracking numbers XXXX XXXX XXXX XXXX XXXX. On XX/XX/2020 i received a letter from them stating they verified the Bankruptcy with the Bankruptcy court located on XXXX XXXX XXXX XXXX XXXX, XXXX NY, XXXX  XXXX. I eventually went to that bankruptcy court in person and they told me when i got their that they don't verify bankruptcies with the credit bureaus. They gave me a letter stating that. After that i sent that letter to TransUnion through certified mail with the tracking numbers XXXX XXXX XXXX XXXX XXXX on XX/XX/2020 i asked them to remove that bankruptcy from my credit report because it could not be properly verified. As of XX/XX/2020 i have not gotten a reply from TransUnion.
Consumer complaint received 2015-07-14
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (VA)

HI, my complaint is about a modification that I got back in XX/XX/XXXX, and now that I have put my house on the market and went to closing on XXXX XXXX, XXXX there has been a big problem with the mortgage company the I got the modification with, My realtor and the title company has not been able to get the pay off balance from this company, because they keep coming up with different situation preventing the title company from getting this pay off balance, and this company charges me an additional 10 % of the proceed in which I amto received from the selling of the house, and I received a XXXX from them in XX/XX/XXXX in the amount of {$8800.00} during tax time, this is just a big mess and they are just ripping off innocence people that are in the need of help, I got laid off of my job in XX/XX/XXXX and got more hours to work on my part time job to make ends meet, so now as it goes, I will receive a little of nothing after this loan company takes the proceeds and If I am not mistaken it was 6 % and it has increased to 10 %, I 'm sure that I am not the only one with this problem so please, please help me, because I this that this company taken the advantage of certain races or all, and all the people that are working with this account states that they have never heard of such in all of their working with mortgage /loan companies. Thank you so much for your time
Consumer complaint received 2020-10-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (PA)

I C SYSTEM ( Original Creditor : 11 XXXX XXXX ) ... .I have never had XXXX XXXX XXXX  or XXXX  so I have no idea whos this is ... I see a name on my credit report that is not mine and i have never gone by it is XXXX XXXX , Im sure the reporting of this debt is a case of mixed file ... ... I have contacted all 3 credit bureaus multiple times and they say that IC SYSTEMS verified and validate this debt ... how so if it is not mine? They have never sent me proof which im sure they do not have ... .I asked for a copy of the wet ink contract and received no response ... .there is no way that they can verify and validate this erroneous account on my report. i need this deleted now or i will be contacting a consumer attorney as well as putting a complaint in with the state attorney general as i am in the process of purchasing a home and this is killing my score.
Consumer complaint received 2015-08-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (ME)

I have been sending letters asking the credit bureaus to verify the information on my reports and if they cant I have asked them to remove them and delete them which they have not done to this date. It has been 4 months asking them with no help. They continue to send me back my credit report telling me they verified the information but send me nothing showing that. I want these items removed they have delayed this long enough.