davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I sent a payment to the bank to payoff my loan in the amount of XXXX on XX/XX/XXXX. The balance on the loan at the time was XXXX. 

I have not sent any addition payment, I have been calling the bank mortagage department to find out why they have not applied the payment. My mortgage balance is now up to XXXX. 

On the transaction statement you see the payment was received but not applied. I was told on XX/XX/XXXX that by XX/XX/XXXX the payment would be applied and my account settled. 

I have called at least 10 times waited on hold for over 4 hours on some calls. I have only reached a person on the phone 2 times. I been to the branch office three times. Only one person at the branch tried to help XXXX XXXX financial center manager was helping out at the branch office back in XX/XX/XXXX. 

Bank of America XXXX XXXX XXXX XXXX XXXX. 
Flower Mound, TX XXXX XX/XX/XXXX Unapplied Funds Payment {$1.00} XX/XX/XXXX MISAPPLICATION REV Reversal - {$2200.00} XX/XX/XXXX Unapplied Funds Payment {$1.00} XX/XX/XXXX MISAPPLICATION REV Reversal - {$17000.00} XX/XX/XXXX RECORDING FEE FEE - {$30.00} XX/XX/XXXX Unapplied Funds Payment {$17000.00} XX/XX/XXXX Unapplied Funds Payment {$17000.00}
Consumer complaint received 2017-02-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (NY)

Back in XXXX or XXXX I bought a phone plan for one year but the salesman contracted me for two years and I refused to sign the contract. I contacted XXXX about the issue, was told by them they ca n't make changes, all adjustments must be made at place of purchase. When I returned to the store it was under new management ( a ploy to avoid me ), I returned the phone by mail within the specified return dates then two years after the harassment began from several debt collectors.Convergent Outsourcing Inc. is very consistent with their threats and phone calls.
Consumer complaint received 2015-04-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc. (TX)

FOR SOME ODD REASON THIS COMPANY THINKS THAT THEY CAN IGNORE A PERSON AND HARASS THEM LIKE THERE IS NO TOMORROW. I HAVE ASKED EVERY TIME THAT THEY CALL AND TO DELETE FROM MY CREDIT REPORT BUT THEY HAVE CONTINUED TO DO BOTH.
Consumer complaint received 2023-03-17
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2016-10-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I am writing about how Bank of New York Mellon violated my rights during the foreclosure of our property at XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX they failed to give notice when they secured the rights to the property in auction on XXXX/XXXX/2016 the first notice we were ever given was a notice to quit the property that was dated on XXXX XXXX XXXX and served to us on XXXX XXXX, 2016 Bank of New York Mellon NEVER sent ANY correspondence to ANY resident at the address they were forcing an illegal eviction because they failed to serve notice of ownership. My complaint is that Bank of New York Mellon is the acting in an illegal manor as the Trustee holder of the Certificate of the XXXX XXXX asset-backed certificates, series XXXX I am not sure I understand the legal terms but if I understand it correctly Bank of New York Mellon is a trustee for an asset backed security and they bought the dead of trust for this asset. It is very unethical and I feel that they violated our rights. I am seeking action against the Bank of New York Mellon
Consumer complaint received 2015-12-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Firstsource Business Process Services, LLC (GA)

We started receiving calls from Firstsource ADV XXXX XXXX XXXX last summer about debt collection for someone else. I called back on XXXX XXXX, 2015. I told him that they have the wrong number and they were reaching the XXXX residence. In other words, they were calling the wrong person. We were rudely asked " what phone number do you want me to remove '' and we told him. He refused to take the case number ( XXXX ). However they still are calling us, and just called this morning, XXXX XXXX, 2015. We want this to stop!
Consumer complaint received 2023-03-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc. (AL)

I checked my XXXX credit report on XXXX and saw a collection account for Credit Systems INTL IN, never received notification about an attempt to collect a debt or anything. Furthermore I don't recall having an XXXX XXXX XXXX, my information was apart of identity theft.
Consumer complaint received 2022-02-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Hello, I am writing due to non-compliance with XXXX, Experian, XXXX. They have failed to remove information that was affiliated with personal details that were challenged recently. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. It has been more than 45 days without a response and I am requesting that the fraudulent items be removed from my reports. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed items.
Consumer complaint received 2020-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

This complaint concerns Equifax. For some bizarre reason, I appear to be blocked out of my Equifax online account? I keep getting told that my username and/or password does not match what they have on file. This is absolutely IMPOSSIBLE. I am entering all my log in information ACCURATELY. Upon googling this issue, I found out that other people have experienced the EXACT SAME problem. Equifax is doing something, and I want to know what it is and why they are doing it. I asked a relative of mine to log in to their account. They are being told something else : something along the lines of " at this point we can not service this account ''. In other words, they too are NOT allowed to log in to their account. Since I am prevented from using my Equifax account, I can not : a ) freeze/unfreeze my credit file and b ) dispute items on my credit file. This is ridiculous! My Equifax account is associated with email address : XXXX.
Consumer complaint received 2017-02-08
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: TENET HEALTHCARE CORPORATION (NE)

There is a debt from XXXX being collected from Syndicated Office Systems on my XXXX credit report that I 'm not responsible for. I am a VA XXXX Veteran who has 100 % Medical from the VA Hospital. It is the VA Hospital responsibility to pay all medical bills from other medical facilities.
Consumer complaint received 2016-07-11
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: National Credit Adjusters, LLC (CO)

They call multiple times even when told not to call, when they call they always have someone else call and say they are from a different department, they get loud over the phone and very rude, threatened to take money from my bank and work even though I had n't received any paper work on a court issue.
Consumer complaint received 2023-03-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Zions Debt Holdings (DC)

I received the following text message to my phone number XXXX. 

XXXX XXXX... We purchased your account from the alarm company XXXX. The balance owed is {$410.00}. We are willing to settle your account for a discounted amount of {$350.00}, if paid by XXXX. If you settle the account, we offer full deletion of debt. We would delete it from the credit bureaus in its entirety. Pay online at zions debt holdings .com with account # XXXX. 

I have no idea who this person/company is. I do not owe this debt. I dont know how they got my telephone number.
Consumer complaint received 2016-03-25
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO. (NJ)

On XXXX XXXX someone made XXXX atm withdrawals. I did not realize this had occurred until about XXXX that night when I checked my balance on the Chase app. Weird part is that the card was in my wallet. Once I found this out in contacted Chase immediately and filed a claim. Yesterday, XXXX XXXX I found out my claim was declined because they can not prove fraud. Chase 's excuse is that they ca n't prove I did not give someone my information or allow them to use my card. I informed them that it was not me, I would never give my card and PIN to anyone and I was at work all day and I ca n't be 2 places at once. They were extremely unhelpful and are giving me an extremely hard time because they said the card was in my possession. They refuse to give me money back. I filed a police report for identity theft along with getting a written letter from my job along with my HR manager contact information stating I was in deed at work and I in fact work in NJ. I told Chase I thought this was ridiculous and they made this determination with not looking into anything further because my debit card has a Chip. I told them I am telling them it was not me and if they can not protect my money or offer me anymore assistance what 's the point of even doing business with them. I know it was only XXXX transactions for {$500.00} but it 's my money and no one has the authorization to take my money from me. I am utterly disgusted and upset and may be contacting my family attorney for legal advise.
Consumer complaint received 2022-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION (CA)

Today is XX/XX/XXXX. In early XX/XX/XXXX I contacted Truist about their inappropriate opening of an account using my name and SSN. At that time they had indicated that a check was deposited into said account for {$4800.00}. I spoke with a Fraud/ID specialist who indicated that they have recorded the account as fraudulent and all activity reversed and account closed due to ID theft. I am NOT a Truist account holder. Last week I began receiving letters regarding the bouncing of this deposited check, which resulted in an overdraft of said amount. Then I received the " threathening '' letter regarding charging-off this account. This letter is dated XX/XX/XXXX. Today - the XXXX - I have attempted to call Truist to AGAIN clear this matter and after trying 4 phone calls to the fraud/ID theft number and waiting on hold over a collective XXXX minutes with NO answer ( shameful )- I can only surmise that either their phone system doesn't work or their staffing incompetency is overwhelming. 

Nonetheless- this matters needs to be cleared immediately without any negative impact to me, including inappropriate negative credit ratings. Additionally - they opened this account without any proof of ID from me ( as my credit reports have been locked down since I had my information compromised )- and while 4 other banks were successful in NOT opening fraudulent accounts in my name during this same time period - Truist has shown their incompetence in this regard as well. One would think that complying with the law regarding " known your customer '' would be in the forefront of their accounting opening procedures- and clearly it is not in this case. 

The only person I WAS ABLE TO REACH ON THIS MATTER - AS PROVIDED BY THE PHONE NUMBER GIVEN ON SAID LETTER - INDICATED TO ME THAT SHE DOES NOT SPEAK TO CUSTOMERS AND I COULD CALL A BRANCH. SHE THEN GAVE ME A PHONE THAT HAS SINCE BEEN DISCONNECTED - STARTING MY OVER XXXX MINUTES OF MY TIME TRYING TO REACH SOMEONE TO CLEAR THIS MATTER.
Consumer complaint received 2022-02-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

We opened a business account with US Bank around XX/XX/XXXX and have been using it for about a year and a half However, we found out that all deposits and withdrawals from the account were disabled from XX/XX/XXXX to XX/XX/XXXX. 
We have called US Bank and visited the branch. They had informed us that our account was at risk and would be closed. They also said they would send us a check of about {$73000.00} in account balance in XXXX weeks. 
XX/XX/XXXX US BANK informed us that they would send the check in XXXX weeks again. 
Around XX/XX/XXXX we asked to change the address where we would receive our checks. 
They promised to send it to our new address within 10 days. 
It is now XX/XX/XXXX and we have not yet received funds.
Consumer complaint received 2017-02-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (AZ)

On XXXX/XXXX/XXXX, I received information from my home loan processor or a public record / judgement on my credit bureau. I asked for the information and the loan processor sent me a copy of my credit report. There is a judgement from XXXX listed. The company is XXXX Bank, and the amount is {$8700.00} or {$8700.00}. This information is not correct. I have no knowledge of this information. Maybe they have the wrong person. Please help me to remove this information so I can proceed with my home mortgage.
Consumer complaint received 2017-01-12
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Lazega & Johanson LLC (GA)

Please find attached letter from me to Lazega & Johanson LLC with a detailed complain. 

XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX
Consumer complaint received 2017-01-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (NY)

On XX/XX/XXXX, I purchased my current house through XXXX Mortgage INC. I put down 25 % down payment on my house ( That 's why I paid ESCROW by myself and I have all the tax payment receipts ). In XX/XX/XXXX, XXXX sold the mortgage to the PennyMac, On XX/XX/XXXX, PennyMac send me an notice that I have been shortage on my ESCROW account for {$5200.00}. My complaint is why do I have to pay the shortage account to the PennyMac when I pay all the tax by myself?
Consumer complaint received 2017-02-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This company has been reported as removed and with in the week the same account was placed back without contacting me and not properly reporting account that I have no knowledge of. For this account to be removed from my report and sent back to the original creditor for the account. As for this is a account that I have no knowledge of. 
That they cease all collection efforts and be removed from my report because I 'm planning to apply for [ a mortgage/auto loan/etc. ], and it 's come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it does n't reflect my creditworthiness and commitment to repaying my debts. It would help me immensely to be removed. 
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
Consumer complaint received 2022-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In XXXX I checked my credit report and noticed a collection account on my TransUnion XXXX have always kept my accounts in good standing and still continue to do so. This is why it came as a big surprise to me when I noticed a collection on my Transition report, which was placed there by XXXX XXXX COLLECTION and reported by TRANSUNION. The snapshot shows that the account status is open, but how can an account be placed as collection if the account is still open? It informs be that the original creditor is XXXX XXXX, and the date opened was XX/XX/2021. I have sent multiple verification, and dispute letters to TransUnion to look into this issue and resolve it but they continue to send me stall tactic letters every time I sent them another letter. 

Transition letters that they send me reads as followed " We applaud your recent efforts to take charge of your credit. We want you to know we're on your side, and we're here to help support you on your path towards credit health. 

We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process request unless they come directly from you or an authorized third party. If you're working with a third party such as a credit repair company or credit clinic, they have to identify themselves in their communications to us, and provide proof that you've authorized them to communicate with us on your behalf. 

It's important to know that if you see something on your TRANSUNION credit report that you believe is inaccurate, you can dispute it easily and securely on your own for free, without paying a fee to any. company. Find out more about how to manage the information on your TransUnion credit report at TransUnion.com/repairletter. '' These are the same kind of stall tactic letters they continue to send me refusing to look into my credit report and help me remove this account that was either illegally opened in my name or mis reported on my credit report. Please help me CFPB, they have no choice but to respond to CFPB by law because they definitely are not following the laws when it comes to us consumers.
Consumer complaint received 2021-01-26
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (NJ)

This debt collection agency called me XX/XX/2021, XX/XX/2021, and XX/XX/2021. Ive told them several times that Ive been In contact with my insurance company and my insurance company was handling everything on their end to try and correct this. They kept telling my insurance kept denying payments when I just talked to my insurance on XX/XX/XXXX about this and my insurance company told me that it would take several days to take certain things in affect. I told the debt collectors on XX/XX/XXXX that I literally called my insurance company on XX/XX/XXXX and told the debt collection agent that my insurance company said it would take several days to resolve and respond to me the debt collector told me that they will deny it again like the last two times. I told them on XX/XX/XXXX to no longer contact me through voice calls and only through mail
Consumer complaint received 2022-02-08
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)

Someone made a {$190.00} fraud charge on my XXXX XXXX XXXX XXXX XXXX credit card in XXXX. I reported the charge and they just kept sending me new cards without investigating. The balance continue to grow with late fees. I repeatedly called and Could not speak to the person who could fix the situation so I filed a complaint with the XXXX. In the meantime, it has been reported on my credit that I am currently {$99.00} past due and that I have a {$270.00} balance with the card co and I do not. I have contacted them again and again and disputed with all XXXX credit bureaus and they can not get the company to provide update information. I have it on my phone, it shows paid and credits/ adjustments where they issued credits for the past due fees and charges. It is obviously this credit card company that is the issue since none of the disputes have rectified the problem.
Consumer complaint received 2020-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One Bank USA shows an account " charge-off '' under my social security number in XXXX, yet there are still reporting late payments and recent as XX/XX/XXXX on XXXX  & XXXX  credit reports. This is illegal and this account needs to be deleted. Also this account is outside of Maryland 's statue of limitation law, whereas a credit card debt can not be collected on after ( 3 ) years.
Consumer complaint received 2017-02-26
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Revenue Assurance Professionals LLC (CT)

I asked front desk if I owed any money and the lady said no. I thought it was free probably because it was an annual physical. I did n't get a bill in mail. I relocated from XXXX, XXXX to XXXX, XXXX few months later and now do n't know how I can pay online. I logged back into the providers website but there was no bill that I could see.