davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: General Motors Financial Company, Inc. (TX)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP HARASSING ME IMMEDIATELY!
Consumer complaint received 2016-10-19
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (TX)

XXXX stated that they represented Nidland Funding claiming I owed money on payday loans. The representative researched the information asked me if I had any outstanding loans, to which I denied. They gave me an invalid email address that was stated as to belonging to me. The representative stated that she was going to contact my job and human resource department in order to serve me papers and to collect the debt. I asked her why not use my address. She stated that my home us private, my job is public and they can go on the premises and basically hung up in my face. First of all, I have not been contacted by this entity before as they stated on my voicemail ( which us saved ), claiming to have made several attempts. Once the representative research the information, I realized that most of the information was outdated, or no longer exist, and she was attelting to retrieve information from me that they did, not have. This company is trying to scam people out of money and it seem to me like they want to use my job as an embarrassment tactic to try and get money for a debt that I do n't owe. I have researched this company and have read numerous complaints and reviews and I did see where the company served papers to client 's residence. Midland Funding is very dishonest and fails to adhere to the laws concerning debt collection.
Consumer complaint received 2020-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

This is following two complaints I submitted to the CFPB on XX/XX/2020 and on XX/XX/2020. I just learned from BOA that they have decided to end their relationship with me. This is after they accepted a fraudulent cashiers check and gave me access to the funds the very next day. I havent had access to my money in both my new checking and savings accounts since Friday, XX/XX/XXXX, and Ive already missed a payment for my health insurance premium. My rent is due on XX/XX/XXXX. Now BOA has resorted to blaming me again for the closure, the fraud, and has not allowed me to collect my safe deposit Belongings. I have been sent to three different departments to try and resolve the matter and have been given several different excuses for the closure. I was just told by a male agent in the Risk Closure Department that if I end my relationship with BOA under the current circumstances, since it was I who allegedly provided my account information to someone that led to the fraud, that I will not be able to open another bank account at any other bank for five years. And after I demanded my money back, vowed to re-contact the regulatory bodies, and clarify that it was me who was ending my relationship with the bank, I was finally told that no, my accounts are not closed, that I should have had access to my funds.
Consumer complaint received 2016-10-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

I recently obtained a copy of my credit report. There was an unauthorized inquiry made by XXXX. On XXXX and XXXX, I wrote to TransUnion advising them of the unauthorized inquiry. On XXXX, I wrote to XXXX XXXX Bank asking for proof of the inquiry. To date, XXXX, I have yet to receive a response from them validating said credit inquiry, which has made my FICO score drop!
Consumer complaint received 2021-11-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

My name is XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I moved recently to my new house and was trying to transfer my previous apartment on a sub-lease. I posted vacant apartment advertisement on wXXXX email XXXX phone XXXX. 
I received XXXX offers for rentals, first one by a man from XXXX who was moving to Washington DC, in chain of emails he sent me a check from his company, which never arrived and later on contact I never heard from him back. 
Few days later another man with name XXXX XXXX XXXX Phone XXXX, email XXXX XXXX emailed me a check of first months rent and deposit amount total {$XXXX}. Instead of this amount he sent me {XXXX} check XXXX. XXXX, which I deposited in my account, and following day it went through, and amount came in account. He then asked me to return his extra amount as his company included his moving expenses in the final check. In a written e mail he provided me Bank of America account with routing number for the transfer. Which I did following day. 
Today XXXX/XXXX/2021 when checked my account I saw an over-draft fee on my account by the Bank, that meant that the check that he had sent me via email bounced back, it did not go through while the amount I transferred to the account he provided, it went through. ( See attached print out of the email with account information. 
I spoke with Bank of America and reported a financial fraud and scam. Bank of America gave me fraud claim tracking number XXXX. 
In this scam I am victim of financial fraud and I have suffered losses of {XXXX}. 
I want this case to be investigated. 
I also want to report the other person who was trying to use similar methods of fraud from XXXX. I am providing his emails that shows people like them are out doing frauds with innocent people like me. Their modes operandi is same. 

Applicant
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I wrote to the credit bureaus on XX/XX/22 and XX/XX/22 requesting verification of the late payments on the attached accounts. I am sure I have never been late of this account and requested a detail payment history summary so I can see when payments were received into their system. The bureaus have failed to verify these late payments, but continue to report it. This is a violation of the FCRA.
Consumer complaint received 2018-05-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My homestaed property loctaed at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Florida XXXX was in forceclosure and taken away on XX/XX/2012 I was never aware of this the bank of Bank of America and XXXX XXXX never contacted me to inform me of this situation. I would of gladly worked with these banks and I would of never lost my property that I worked so hard to obtain my homestead property. I never received any documents that the above mentioned property was going into foreclosure. I will provide any documents necessary.
Consumer complaint received 2021-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, My Bank of America credit card was charged {$1000.00} purchase from XXXX  ( came in two transactions {$600.00} and {$400.00} ) which i did not make. I was at work for the whole day and the purchase was made mid-day. The card could have been stolen. I contacted Bank of America immediately so they issued me a new card and open a fraud claim. However, on XX/XX/XXXX, they told me the claim is closed and they won't refund me. There is no way me or anyone I know could have made that purchase so I want it to be refunded.
Consumer complaint received 2017-01-12
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Integrity Solution Services, Inc. (CA)

I have no knowledge of said debt and I would like it removed as it 's reporting to the XXXX ( as an OPEN account ) and negatively affecting me. XXXX. This information was also shared illegally ( third party ) without my informed consent. XXXX. I would like this debt to be removed from my credit profile as it 's reporting negative to all XXXX major Credit Bureaus and negatively affecting me.
Consumer complaint received 2016-07-29
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NY)

Ocwen Loan Servicing LLC, has committed violations under Dodd Frank and re-filed a mortgage that was not certified and and also has created an assignment on my home. As per the Trust, loan is a defective Mortgage
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (CA)

My account was submitted for collections, I called collections company to have this issue resolved, while being XXXX XXXX XXXX XXXX XXXX. I paid the balance in full & the company said they can delete item from my credit fully, once they receive payment, so I proceeded & paid everything, no problem, They took the money & emailed me a receipt. Then I asked what about the deletion letter to all bureaus as promised, they are refusing to answer my question or calls & Now they are not honoring what was promised. I have never been late with this company ever. Just unfortunately was on a XXXX, where I couldnt receive my mail.
Consumer complaint received 2018-05-30
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. (WA)

My husband and I submitted investigation requests to XXXX and Trans Union on XX/XX/XXXX. More than 30 days have past, and we have yet to receive responses.
Consumer complaint received 2016-04-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I opened a Citbank Citigold bank account, I was to received XXXX XXXX miles for opening account. In XX/XX/XXXX, citibank confirmed I qualified and completed the terms of the promotion and miles would post by XXXX XXXX. Miles have not posted and CitiBank is refusing to honor the promotion.
Consumer complaint received 2022-10-03
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (TN)

There is a credit card on my report that was opened 7 years snd 10 months ago, Im only XXXX currently. Therefore I was underage at the time it was opened, I am only an authorized user on the account but I wasnt aware I was on the account. My mother is the one who opened up the account and made me a user. 
I dont know what could potentially be done, but something needs to happen before she opens a new line of credit in my name without me being aware.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NY)

I try to live on about XXXX month. I applied to have my payments lowered to what I can afford on my income. It was refused saying I didnt qualify! I listed all my bills showing before groceries, I owe XXXX Needless to say my bills are paid late as I keep getting behind.
Consumer complaint received 2016-08-09
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (FL)

This afternoon I received a call from a Navient representative who called herself XXXX XXXX. She was calling regarding a missed payment. A few months ago Navient took me off an income only repayment plan and my monthly payment doubled. I was unable to make the new payment so I have been sending as much as I can per month. Apparently that makes no difference. When I told XXXX XXXX that I had not paid because I did n't have enough money in my bank account, she was incredibly rude and short with me. When I said I only had {$400.00} in my account she asked me why I could n't afford to pay at least {$300.00}. Then she asked if I was employed. When I said yes she asked me if I had a job they why could n't I make the payment. She asked me what had changed that made me unable to make payments. My payments doubled, that is what happened. She was incredibly rude and treated me like a criminal when I am in fact sending payments, just not the full amount. She made me feel awful and embarrassed. And this all happened at work, so everyone could overhear me defending myself, then arguing with the woman and finally crying. Private lenders need to offer income based payments like the Federal government does.
Consumer complaint received 2016-07-05
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

On XXXX XXXX, 2008, Countrywide Home Loans , Inc., a subsidiary of Countrywide Financial, sold Countywide Home Loans Servicing, another subsidiary, to NB Holdings, another subsidiary that was wholly owned by Bank of America Corporation. Bank of America Corporation paid Countrywide Home Loans , Inc., for this sale by issuing it a note for XXXX. Countrywide Home Loans Servicing was the actual subsidiary of Countrywide, that serviced almost all of Countrywide 's mortgage loans. 

Bank of America Corporation assigned a mortgage without the note twice to its own foreclosure department by hiring and using XXXX XXXX, XXXX to twice to fabricate XXXX Assignment of Mortgages within six months of one another, which is impossible to FOR VALUE RECIEVED to happen twice, when supposedly the FOR VALUE RECEIVED already transpired. 

Open both attachments!!!
Consumer complaint received 2020-10-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CNG FINANCIAL CORPORATION (TX)

On XXXX I applied for a payday loan. I was approved for {$250.00}. I signed the loan agreement and inputted my bank account information for deposit. I called XXXX and was advised that I have to reapply but was given no adverse action notification. I reapply and now its giving me a denial. My issue is that this company has all my personal information and also used bait and switch to get that information. No one has sent any written notification of anything besides my approval.
Consumer complaint received 2016-07-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

In XXXX Bank of America began foreclosure proceedings on our home at XXXX XXXX XXXX XXXX XXXX XXXX MD, XXXX. We fought the foreclosure but lost and our home was scheduled to be sold at auction. We were contacted by Bank of America before the sale and given the option to enter into a loan rehabilitation program that would allow us to keep our home and get out of foreclosure. The program was for the year XXXX and at the end of the year our original loan would be modified from XXXX to XXXX but the interest rate would remain at 9.99 %. We successfully completed the program and our loan was transferred to XXXX. We have been making our mortgage payment on time for the last four years. We recently attempted to get a refinance on our home and were told that we did n't own it. County records showed that our home was actually sold at auction while we were in the rehab program. The deed to the property is not in our name but the mortgage note is. We were told by lawyers that we are essentially renting our home and could legally be evicted at any time and still be held responsible for the mortgage note. We contacted XXXX to attempt a resolution to this issue and were told the best they could do was put the deed back ion our names after we had finished paying off the note. The lawyers told us the best solution would be to file a complaint with the state and the state referred us to you.
Consumer complaint received 2016-01-30
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FORD MOTOR CREDIT CO. (FL)

I co-signed on this vehicle, this case went to court in front of a judge and he adjured for this case to be dismissed. Ford Motor Credit 4 years after keeps reporting current late monthly payments after this was ordered to be dismissed by a judge. I need these folks to be told that this is illegal and they can not be doing this.
Consumer complaint received 2021-11-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Went to Bank of America XXXX XXXX XXXX, at XXXX XXXX in XXXX XXXX to access safety deposit box XX/XX/XXXX. Branch was Closed despite regular banking hours. Sign said closed due circumstances beyond their control so I emailed branch to set up access. Then drove to another branch in XXXX on XXXX XXXX XXXX XX/XX/XXXX to ask why my branch was closed and asked about arranging access to deposit box. They could not do either and told me their branch is affiliated with XXXX and not in the XXXX jurisdiction. 
After XXXX hours and no contact, I emailed again XX/XX/XXXX. BOA branch on XXXX XXXX XXXX called and left a voicemail message so I called right back and could not connect with them all bankers busy helping other clients. I tried again XXXX minutes later, got connected and was told someone would call me in XXXX minutes. 

Prior to this, access to the XXXX XXXX branch was disrupted and closed due to XXXX then a renovation but was fully functional beginning XX/XX/XXXX. Throughout these XXXX  months access the safety deposit box was by appointment only At that time BOA permanently closed the next closest branches snd had failed to notify clients of any of the closures along the way.
Consumer complaint received 2018-05-30
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: Credence Resource Management, LLC (LA)

I sent the following correspondence to credence on XX/XX/XXXX : Dear : Credence Resource Management On XX/XX/XXXX I noticed this debt on my credit report. I am disputing the above referenced debt. Please verify this debt as required by the Fair Debt Collection Practices ( FDCPA ) ( section 1692g ) and Louisiana Fair Debt Collection Statute RS 9:3562. Please forward the following : Proof of my agreement to pay the original creditor A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and the basis for each charge. 
I dispute this charge because I do not recognize this debt and I do not owe any money to this creditor. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act. 
Aside from verifying the debt, do not contact me about this debt. The FDCPA require that you honor this request. 
Sincerely, XXXX XXXX On XX/XX/XXXX they let me that they had received my complaint and would investigate. On XX/XX/XXXX I requested the results of the inquiry in writing with additional calls on XX/XX/XXXX and XX/XX/XXXX with no response. The company then responded on XX/XX/XXXX indicating they were still investigating. I then called the same day and received no clarity.
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I paid USAA in full for a charged off credit card in 2019 in the amount I was told by the representative. I noticed on my reports several months later that usaa has continued to report a charge off status monthly on my report. This is illegal to keep updating monthly after the account has been paid. Only after calling usaa after several months was I notified that there was a XXXX cents balance deft on the account. I was never notified of this and was told the balance was XXXX. The balance on the account was even reported as XXXX on my reports. Usaa continues to report a monthly charge off on my report suppressing my scores which is again illegal.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2021i sent in disputes against many inacuracies i have spotted. Under XXXX XXXX XXXX there was also fraud accounts. I am seeking litigation against these companies and i want to see the original contract these " collectors '' are claiming XXXX XXXX XXXX. The bureaus have taken longer than XXXX days and is affecting and violating my rights and freedom as i am looking to purchase property.
Consumer complaint received 2017-02-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (KY)

Have been paying on this loan for several years with little to no effect on balance, often pay extra. Bills do not come in regularly and when they do arrive the amount due is different. Have tried many times to contact this lender, as to let my wife be able to handle questions in my absence, to no availe. Furthermore, have been told that this is a federal loan and also that it is n't.
Consumer complaint received 2022-10-03
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. (NC)

Per the Heroes Act passed by Congress, late payments were not allowed to be reported during the COVID-19 Pandemic. The attached accounts violate this law. I have written to the credit bureaus on XX/XX/22 and XX/XX/22 requesting the late payments be deleted with no success.