davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-05
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. (LA)

I am filing a compliant as my right under FCRA and fair credit and billing act have been violated. I have for several months trying to get the XXXX bureaus to resolve this collection I am filing a compliant as my right under FCRA and fair credit and billing act have been violated. I have for several months trying to get the 3 bureaus to resolve this collections I am filing a complaint again as there has not been any answers back from Experian for these two disputed accounts ( XXXX XXXX XXXX Account number XXXX XXXX  XXXX XXXX Account number XXXX ). I am continuing to receive calls from collections that I have no knowledge of this collection and have requested by certified letter to Experian to provide full validation under my FCRA right and also requested documentation on the company right to collect under the fair credit and billing act. Experian has violated my HIPPA privacy as info about my medical conditions by allowing XXXX XXXX XXXX. I have not received answers to both inquiries. By law the bureaus must remove if they can not provide answers in timely manner. Please remove from my credit report. I have no knowledge of this collection and have requested by certified letter to all XXXX bureaus to provide full validation under my FCRA right and also requested documentation on the company right to collect under the fair credit and billing act. I have not received answers to both inquiries. By law the bureaus must remove if they can not provide answers in timely manner. Please remove from my credit report.
Consumer complaint received 2015-04-25
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: CITIBANK, N.A. (PA)

I was issued a civil suit from XXXX. I XXXX and made payment before hearing. They didnt contact the court house like they said i would. I payed the debt off, but on my credit score they still say i owe money and they payment amounts are wrong. I contacted them and they give me a number where i dont get any assistance.
Consumer complaint received 2022-01-05
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: EQUIFAX, INC. (TX)

The creditor has ignored my request for this alleged debt and has FAILED to send proper validation. Therefore this is FRAUD. This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future.
Consumer complaint received 2021-01-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

On XX/XX/XXXX, I paid my XXXX  mortgage to the Bank of America Branch in my hometown. Last Tuesday ( XX/XX/XXXX ) I received a call from Bank of America. I did not answer it due to being at work, but I listened to the automated voicemail during lunch. I tried to reach someone on the number left ( didn't know why they called ) but didn't get anyone. I went through the prompts and found out that the last payment they have that they received from me was in XX/XX/XXXX. I called the bank immediately only to be told they could not see anything from their side. I was asked to come to the bank and bring my receipt. They couldn't find my payment from the receipt and asked to see a copy of the check I wrote. When given this information they located my payment on someone else 's account. Yes they paid someone else 's mortgage with my payment. They assured me they fixed it and I should see it by the end of the day. They even called to reassure me it was taken care of. The next day I received a call from a loan officer from the bank telling me that my payment was late and they needed it. I told her what happened and I was informed she didn't see it in her system. She said give it a day. On Friday I checked and still nothing. Also on Friday I found that the bank reported my missed ( but not missed ) payment to the credit bureau which dropped my score by 24 points. I have tried daily to get someone on the phone, but I can't get anything help.
Consumer complaint received 2020-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (NY)

Chase bank is refusing to extend the payment deferral on my credit card account during COVID. I explained to them NYS is not operating fully and is facing another shutdown they said there is no other option but to pay the balance unless I want to close my account. I can not lose this instrumental credit line since I am using it to purchase basic essentials to survive during COVID given I am being prevented from operating my business during the pandemic shutdown. This is absolutely absurd that Chase will not work with their customers DURING A NATIONAL CRISIS, despite having perfect repayment history and a great long standing relationship with them.
Consumer complaint received 2022-01-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (OK)

XX/XX/2021 I set up a Coinbase XXXX  and purchased XXXX  and XXXX XXXX, I subsequently tried to sell the XXXX and XXXX XXXX a few days later. Coinbase XXXX did not let me sell the XXXX XXXX as they were " Unable to Determine Fee ''. I tried to sell the tokens for several days, and then filed a complaint with Coinbase that I could not sell the XXXX XXXX asset. They provided several steps to try and rectify the issue, and I followed their instructions, but the problem persisted and I was still unable to sell. The value of the asset dropped from around {$13000.00} when I tried to sell, to a current value of {$5500.00}. 

Additionally, XXXX suggest I transfer my XXXX XXXX assets to a different digital wallet provider, essentially removing them from any responsibility to pay reimburse the lost {$8000.00} due to their system error ( I have this in an email from them ). Throughout this troubling process, I could always purchase more XXXX XXXX if I wanted, but still couldn't sell any, which certainly looks extremely shady on Coinbase 's part.
Consumer complaint received 2020-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lending Club Corp (OH)

I have autodraft set up for my Lending Club account and the XXXX payment didn't pull on its due date because of a temporary block on my checking because of a suspicious activity alert. The payment then pulled 8 days later, well within the 15 day grace period. They never posted it to my account and have been calling me for nearly three months. I have spoken with them at least 7 or 8 times, I have provided bank statements showing when the payment came out, that it was not returned and they keep applying the current payment to the past month therefore creating a rolling 30 day late. Their collection desk has been of no help. I have been promised calls from supervisors or managers and that has not happened. One of their collection people stated they see the payment was received, she saw the email with the bank statement, and she would escalate to her manager to resolve yet the calls continue.
Consumer complaint received 2022-01-05
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. (GA)

Just pulled up my credit report and still a lot of negative accounts on my name. Why you keep posting this information, its not mine. I m sure that someone have my personal information. I dont understand how I can delete those accounts.
Consumer complaint received 2016-09-14
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

The bank deducted over draft fees when the money was in there to cover the checks that came thru. 
They had the nerve to prdate the fees to when the check actually came in. 
This is more than deceitful but crocked!! 
I wonder just how may people they do this to every day??
Consumer complaint received 2017-02-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

HOW BANK OF AMERICA USED " DECEPTION & TRICKERY '' TO TAKE MY HOME RESULTING IN THE LOSS OF MY {$160000.00} DOWNPAYMENT AND " ZERO '' CHANCE OF SAVING MY HOME. 

I paid {$800000.00} for my home and put down {$160000.00} resulting in an Option Arm Loan on the balance of {$640000.00}. It all started in XX/XX/XXXX when I contacted Bank of America about modifying my loan. After untold phone calls, over 15 faxes with information they required from XX/XX/XXXX to XX/XX/XXXX Bank of America did not give me a yes or no on my loan modification. MY FORECLOSURE WAS " RESET '' 2 TIMES I WAS A QUALIFIED CANDIDATE FOR THEIR LOAN MODIFICATION. 

The " deception '' is they never intended to " modify ''. I JUST FOUND OUT that B of A makes more money by foreclosing than modifying. They get reimbursed all monies they have paid out at the time of foreclosure because they are first in line and have control of all funds. If they modify a loan they may not get all their monies or may have to wait a long period of time so it is advantageous for the bank to foreclose. I spent many many anxious days and nights waiting for B of A to make a decision since I was a viable candidate for a modification. Finally, in desperation I made an offer ( see attached fax ) to B of A getting alternative financing with a VA Loan. I made so many calls talking to different analysts and NO ANSWER EITHER YES OR NO! It is now clear to me it was not in their best interest to work in " Good Faith '' with me. In fact, they sold the home for {$310000.00} ( see attached ) which is {$10000.00} to {$25000.00} less than my offer plus they paid a real estate fee and other costs resulting in over a {$31000.00} to {$46000.00} lower net on the foreclosure versus a modification. However, that did not cost B of A it was the investors money on my securitized ARM loan. Instead they got all their extra servicing money ( escalated note rate on ARM Loan ) and other costs over my 5 year modification period. Bank of America got all their money INVESTORS AND MYSELF LOSE ALOT OF MONEY BY THEIR DECEPTION AND TRICKERY. 

I contacted B of A for my file and they could not find anything except one 32 page fax. I have talked to so many representatives and analysts during this process and they didnt have a clue what B of A 's BIG SCHEME OF DECEPTION was really about. 

I WANT MY DOWN PAYMENT BACK OF {$160000.00} I am entitled to this down payment back because I was qualified to get a modification or they would not have reset the foreclosure 2 times. I had a VA Loan approved for {$320000.00} to refinance my home but I could never get a word out of B of A on anything. IF BANK OF AMERICA HAD OPERATED IN " GOOD FAITH '' NONE OF THIS WOULD OF HAPPENED and I would be in my home. 


BANK OF AMERICA did not follow the government programs that bailed them out PLUS THEY DECEIVED ME JUST LIKE THEY DID WITH THEIR " ROBO SIGNING ''.
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Allied Collection Services, Inc. (Nevada) (NJ)

I had a collection appear that I wasn't familiar with. Investigation proved that it was a XXXX  account that was being utilized by my cousin, that I did create but never had a problem with, and he passed away. His wife used the account for a year and when she couldn't modify the account she let it go and did not advise me. Allied Collection assumed the collection. I contacted them and explained the situation and they were understanding. On XX/XX/XXXX @ approx. XXXX XXXX I spoke with XXXX who stated that the collection would be removed in 30 days. XX/XX/XXXX the collection was still posting so I called @ approx. XXXX and spoke with XXXX who stated that it would be removed in 30 days and well send you a deletion letter within the day or next morning to my email. XX/XX/XXXX @ approx. XXXX XXXX  and spoke with XXXX, who stated they sent it to the wrong email, Ill receive the letter by the end of today or next morning. Today XX/XX/XXXX I still have no deletion letter and for some reason the phone number is going to voicemail. I'm unsure of the operating hours, but it was XXXX XXXX. I have no trust that this company will delete the collection or send me my deletion letter so that I may dispute the collection myself. Please help. I attached notes and the Credit Report page showing the collection
Consumer complaint received 2022-07-05
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. (TX)

In accordance with the fair credit reporting act has XXXX XXXX XXXX XXXX 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 2020-10-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: K A P S & CO (USA) LLC (MI)

I sent a dispute letter that accompanied a police report to Kaps and Co  which a representative by the name of XXXX confirmed was received on XX/XX/20. On the letter I requested them to cease and desist. The continued to contact me and even sent me a letter dated XX/XX/20 which is a FDCPA violation. Today I've spoke to XXXX and and manager by the name of XXXX who hung up on me although I was nice on he call.
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Dear Sir or Madam the information on my credit report is inaccurate : The XXXX account that I have shows a balance of over {$10000.00} on the Experian credit report. This is incorrect as the last statement balance {$6000.00}. I will attempt to attach a copy of the statement. 
There are also 4 unauthorized hard inquiries on my credit report from XXXX made XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In addition there were 4 unauthorized inquiries made by XXXX XXXX dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Again I will attempt to attach the letter and certified mailing.
Consumer complaint received 2016-07-28
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My loan payment has gone from {$2100.00} per month to $ {$2200.00} per month to {$2400.00} per month in a year. While mortgage rates range 3.4 % to 3.75 % my rate as gone from 3.75 % to 4.75 % in less than a year and is scheduled to go to 5.00 %. In the meantime I have applied for Home Financial Assistance and Modification based on increasing unaffordable payments as well as becoming unemployed XXXX 2016 and beginning to suffer unforeseen illness and mounting medical expense as of XXXX 2016. The bank per attached letter has denied modification options and escalated a notice of forced short sale in no more than 45 days. However as of XXXX 2016 my loan is current based on the following. per the bank they hold {$820.00} in unapplied funds and in XXXX I made payments of {$2200.00} and {$1200.00}. the combination of the unapplied funds and my payments total {$4200.00} and cover any amount considered past due as of XXXX 2016. I request bank credit and apply unapplied funds as well as my payments listed here, and acknowledge doing so, and acknowledge that as of XXXX 2016 my loan is current. I request bank cease and desist from force 45 day timeline for forced short sale because the loan is current as of XXXX 2016.
Consumer complaint received 2021-11-26
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. (MA)

I have requested that XXXX and TransUinon preform a independent investigation with dispute on XXXX account XXXX. This account is being inconsistent reporting first date of delinquent by both credit bureaus and has been re-aged. Re-aged account is a violation of the XXXX. XXXX report XXXX is XX/XX/XXXX XXXX is reporting XX/XX/XXXX. XXXX report TransUinon is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX. XXXX report TransUinon is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX. There are different years, months and dates of first Delinquency on all three reports for each month This is inconsistent reporting by TransUnion and XXXX. This account account has been illegally re-aged which is a violation of the XXXX requirements. 

I have attached a copy of my credit reports as proof for the months showing the inconsistent reporting by the credit bureaus.
Consumer complaint received 2021-01-19
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, I applied for a brokerage account from Merrill Lynch. I received an initial follow up call for additional info which I provided on an unknown date. I was promised my account would be opened in XXXX hours as indicated by showing in my online banking with Bank of America by the representative. That did not happen. On XX/XX/XXXX, I received a second voicemail with a request for more information to open my account. On XX/XX/XXXX, I called and provided additional info, and the agent once again promised my account would be opened in 24 hours. Right after my call ended, I received two emails, one stating my account was open and another stating my margin account was approved. Neither email had my account number and to this day I do not know my account number. Nor did my brokerage account show up in my online banking. On XX/XX/XXXX, I called Bank of America to discuss a separate fraud issue, and to inquire about the status of my brokerage account. The agent indicated my new brokerage account was active and would show up in my online banking within 2 days. That never happened. Over a week later from this call, and over a month from my application, I still do not know if my account was ever opened or not, and if it is, I have no idea of knowing what sort of activity, unauthorized or not, and transactions are going on in my account.
Consumer complaint received 2020-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NJ)

My identity and personal information was stolen without my knowledge and or consent. Accounts were opened and services applied for without my knowledge and or consent. I have notified these companies and tried to resolve the issue with them to no avail. They refuse to close these accounts and remove them from my name and credit reports.
Consumer complaint received 2016-07-20
Product: Bank account or service — Cashing a check without an account
Issue: Problems caused by my funds being low — 
Company: CITIBANK, N.A. (NY)

I autopay my Citi credit card online and changed the bank account for them to withdraw the funds. I have an email confirming the new account change, yet the following month, Citi withdrew funds from my previous account, which no longer had any money in it, causing me huge fees and penalties! They refused to accept responsibility for their mistake and want me to pay those fees and penalties. I 've been trying to resolve this dispute for the past few weeks and they keep pointing the finger at my previous bank.
Consumer complaint received 2017-01-20
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Bank of America charged me a late fee because my credit card payment did not clear by the due date of my monthly bill, despite the fact that I had automatic payment set up with the option checked " Pay to arrive on due date. '' The phone representative who I spoke with said that this option did not account for possible lags in the funds transfer between banks, which could take up to 72 hours. However, there was no warning on the automatic payment screen on their website that indicated this.
Consumer complaint received 2020-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Grettings, I have a problem with my credit report, because I was disputing all my errors and the credit bureaus didn't remove them. I sent 4 rounds to all the credit bureaus such as : Transunion, XXXX and XXXX, but they didn't answer me. I want to remove the inaccuracies, inquieries that I don't authorized them, and negative accounts.
Consumer complaint received 2022-08-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I checked my credit report and found that 3 companies were violating my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 section 602 and USC 1681 section 604 A section 2. I have the right to privacy. A consumer reporting agency can not furnish an account without my written instructions. I sent out a complaint the was received XX/XX/22. These accounts remain on my report, violating my rights.
Consumer complaint received 2021-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PENTAGON FEDERAL CREDIT UNION (FL)

I mailed an XXXX to Penfed Credit Union over a week ago. Each time I call I get the runaround regarding my deposit into my checking account. I was told last week the funds would be deposited into my account. I have Covid-19 bills to pay along with rent and have received a 3 day notice. Since the check has been issued by my attorney we plan on taking the case to Federal Court if not resolved today.
Consumer complaint received 2022-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 an account without my written instructions