davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Access to my funds in a Merrill Lynch brokerage account were blocked for approximately two weeks. I tried to access my account balances on or around XX/XX/2022 only to find that the account was blocked. I had received no notice that my access to my funds would be blocked. After a XXXX minute wait time on hold, I spoke with a customer service agent at Merrill and he told me the account was blocked because Merrill needed to update the contact information for the secondary account owner ( my wife ). I thought it was absurd that they blocked my access to my money because they had an administrative task to complete, also this information is current on other Bank XXXX XXXX accounts that I hold. I provided the information, and the agent stated that the block to the funds would be removed. One week later, XX/XX/2022 the account was still blocked. I made several attempts to contact Merrill customer service again, and after a 45 minute hold I finally spoke with another customer service agent, who said all of the information was current and he could not see a reason for the block on the account. He escalated the issue and finally was able to get the block removed on XX/XX/2022. I have had this brokerage account for about 30 years, and this is the first time I have ever lost access to my funds. I don't think Merrill should have " frozen '' the access to the funds in my account due to an administrative deficiency. I would like the CFPB to look into this practice by Merrill Lynch and have them discontinue this practice.
Consumer complaint received 2024-10-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (MD)

XXXX XXXX XXXX Need servicer to provide me access to my mortgage account to communicate.

In the past, I had access to sign into loan account. Setup to upload documents are now blocked.

Secure access is setup only from the servicer to me but I am blocked from responding. Only fax. After faxing, servicer denies receiving any documents. Same documents sent certified but delayed or return w a bogus signature like servicer denies that the contact who is signing is not employed with them.
Consumer complaint received 2022-06-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (TN)

My federal student loan servicer is EdFinancial. I remitted a payment on XX/XX/XXXX for my XX/XX/XXXX installment. This submission was not allocated to the monthly payment. I called to have the payment reallocated to post the XXXX installment and was told my the representative that they could submit my request to the finance department but it would take 60 to 90 business days to process. I then submitted two written requests through their online portal with the hopes of a quicker processing time ; only to have a response email sent back to me reiterating the 60 to 90 business day timeframe. A timeframe of 60 to 90 business days to reallocate a payment to have it go towards the monthly installment and roll the due date imposes significant risk to a person 's credit score unless they double payments intermittently as multiple due dates will continue to come through at that time ; it also has the potential to cause great confusion to the allocation of the continued payments being made in between, because if the due date has not changed and payments keep being made, what will be the effect of those payments ' due dates after 90 days when they reallocate the first payment request. This is an absolutely ridiculous timeframe, it's moving the payment I made to rolling the due date. I know EdFinancial has a department head over Finance that can easily go into the computer system and manually adjust my {$250.00} payment made on XX/XX/XXXX and have it post the XX/XX/XXXX installment ; and then adjust the second payment I had to make on XX/XX/XXXX to go towards my XX/XX/XXXX installment. I do not want to continue to submit requests for each payment because it will take 90 business days just to get the original one handled so that the following are also good to go. I also do not want to be late on my payments as I never have been and I can afford my one payment per month but due to their outrageous time efficiency issues I am being forced to choose between spending extra money or risk being past due. That's ridiculous in this post-COVID time when I have not opted out of making payments and have made every single monthly payment since I graduated college in XXXX.
Consumer complaint received 2020-04-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (GA)

I Have contacted ARS for Acct # XXXX I have contacted this company by phone and sent several dispute letters with this company who is reporting to all three credit bureaus and it is negatively damaging and affecting me from obtaining credit. I have no agreement or contract with this company. By law i would need to see any contracts that was signed with my signature and ARS has not provided me with any of the information requested.
Consumer complaint received 2022-06-17
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. (CA)

In accordance with the Fair Credit Reporting act there are several accounts attached that have 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 consent.

15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I havent given anyone written permission to furnish these accounts on my credit report.
Consumer complaint received 2022-06-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (FL)

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ATTENTION DISPUTE DEPARTMENT XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXXXXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for XXXX XXXX XXXX XXXX XXXX  Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-06-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: FIRST HORIZON BANK (GA)

The XXXX XXXX XXXX had an account with First Horizon  * ( who acquired XXXX XXXX ) for about XXXX years. During the pandemic several board members passed away and we went into arrears with the account and shut down the company. I contacted First Horizon in XXXX to identify the amount to pay. I paid that amount via XXXX and requested that the account be closed. 

First Horizon did, in fact close the account and then admitted to me that they re-opened the account because the deposit to cover arrears was about {$1.00} too much. I was not notified that the account was re-opened. First Horizon then started charging monthly fees and other charges. Now they are harassing deceased board member families as well as myself for fees they charged the company because they re-opened the account. We feel this is fraudulent and feel that First Horizon should be criminally charged for this behavior.
Consumer complaint received 2022-06-17
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: Experian Information Solutions Inc. (FL)

" My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately.
Consumer complaint received 2020-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Awhile ago my identity has been compromised and there's still accounts reporting on my credit file inwhich does not belong to me. Both open & closed accounts even some authorized user accounts inwhich i have no knowledge of and wish to be removed immediately. Please remove and block the following unknown accounts inwhich I hold absolute any responsibility for. 

1 ) XXXX XXXX  2 ) XXXX XXXX Closed Accounts 3 ) XXXX XXXX XXXX XXXX XXXX, credit limit XXXX  4 ) XXXX XXXX XXXX XXXX XXXX, credit limit XXXX 5 ) XXXX XXXX XXXX XXXX  6 ) XXXX XXXX
Consumer complaint received 2022-06-17
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. (MD)

On XX/XX/2022 I called the bankruptcy court in XXXX. I ask them do they report to the credit bureau. The clerk said no. I receive the bankruptcy letter from there website where the clerk told me to go. They do not report any bankruptcies to anybody .How did the credit bureau verified my bankruptcy as 100 % Accurate. They never did a fair investigation according to 15 USC 1681 15 USC 1681 SEC 603 ( 3 ) ( E ) States ; The Term '' investigative consumer report " means a consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtains through personal interview with neighbors, friends or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such item of information. however such reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer They also violated my rights numerous times.

The Credit bureau violated my given rights 15 U.S.C 1681 According to : 15 U.S.C 1681 Sec 602 A. States I have the right to privacy.

According to 15 U.S.C 1681 Sec 604 A section 2 : It al states a consumer reporting agency can not furnish a account without my written instructions According to 15 U.S.C 1681s2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Applied for a credit card on XX/XX/20 with Capital One. On XX/XX/20 I received a denial letter due to Capital One unable to get my credit score, therefore wasting a hard inquiry on my credit report
Consumer complaint received 2024-12-14
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Merchants Adjustment Service, Inc. (GA)

Merchants Adjustment Services in XXXX XXXX  owns a debt that they claim is mine to pay. This week my boss received a letter at his home addressed to me which was a collection letter for this debt. I do not live at this address nor have I shared this address on any information with this debt collector. They clearly are using aggressive tactics to try to get payment on a {$120.00} debt. 
They have also clearly broken FDCPA rules by sending a collection letter to my employer. I have attached the letter in this complaint.
Consumer complaint received 2022-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I have provided this company with all the documents necessary to remove all alleged accounts from my consumer report. XXXX has responded accordingly but XXXX and Transunion has not. As the controller of my consumer report, I did not give consent to nor was I properly explained the furnishing of these accounts on my consumer report. My federally protected right to privacy prevents these accounts from being furnished without my consent. Please see attachments for docs.
Consumer complaint received 2023-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XXXX XXXX I received a fraud alert in which in turn I called the number on the back of my banking card and spoke with a representative. The representative did not lock my account, or do anything to quickly block the activity going on in my account. While we were on the phone discussing what was happening on my account and if I had lost my card or authorized anyone to use it etc before we knew it my savings was gone and all my money was transfer to an external XXXX XXXX XXXXXXXX fraudulent account. After the representative assured me they will deal with the situation by opening a investigation I did not feel comfortable so I hung up and called again and asked to talk to a manager. After talking to several people who told me that the first representative did not do their job correctly by immediately locking my account so there would be no access, they told me that they would do an investigation. In the meantime they gave me a temporary credit of the {$900.00} that was stolen from me. I continue to call to see how the investigation was going to see if there was information I needed to turn into the police about this person who stole my money and they assured me they were handling everything. I had some employees telling me to close that checking and savings account that was compromised and open new ones and then I would talk to somebody else and they would say no close the new ones, so I open and close several accounts because that's what the employees were telling me to do. There's no consistency when you talk to an employee.Eventually I got a letter saying that after the investigation they decided that I knew the person and I authorized them to take my money which is absolutely not accurate and they took back my credit which left my account in a negative of the {$900.00} that was stolen from me. I have asked for documents to prove why they came to this conclusion and they just sent me one little page that said that they decided I knew the person and authorized the transfer. In the meantime I've been calling a couple times every week trying to get through to talk to somebody, to have them listen to the recordings and to provide me more evidence with the recordings to prove that I did not know that person or authorized them to take my money. But employees keep transferring me and I never actually get to talk to anybody about my fraud. It's been past frustrating trying to resolve this with them, if I can not even talk to somebody to get more information. Capital One has been a complete nightmare, unprofessional and have not done anything to protect my identity. I've had to do a freeze on all my accounts & my social security number. I keep all my accounts lock for my protection. I've had to invest in XXXX to make sure there's no more fraud.
Consumer complaint received 2022-06-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

HELOC with Citizens Bank of Rhode Island in XXXX. HELOC draw period has ended in XX/XX/XXXX with no remaining money to use. HELOC Acct number is XXXX. 

Applied for Mortgage assistance/relief through a HUD approved housing counsellor called XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX ) and was approved. However, they need the three most recent statements which I do not have and Citizens Bank & their outside law firm XXXX XXXX will not provide these statements so that the money can be released. 

POC at XXXX XXXX XXXX is XXXX XXXX XXXX. 

Request that the CFPB intercede to obtain these 3 statements so that XXXX can move forward with disbursing the money.
Consumer complaint received 2022-06-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Louisiana Recovery Services Inc. (LA)

XXXX XXXX XXXX ( XXXX XXXX ) failed to provide billing or statement for services rendered. I called repeatedly and requested statement in order pay {$63.00} balance that I acknowledged was owed from XXXX. A detailed billing was required for my Flexible Spending Account supporting documentation. Invoice was not available to pay from their online portal. On XX/XX/2022, I sent a detailed letter w/copy of my EOB and my check for full payment of balance ; check cleared my bank on XX/XX/2022. 

I had several subsequent services provided by XXXX XXXX XXXX so there were multiple opportunities for the Service Provider to discuss an open, past-due balance on my account. 
Balance was turned over to Louisiana Recovery Services for Collections in XXXX ; I have yet to receive any communications from this agency regarding an unpaid balance. They have reported this amount to all three credit bureaus which has lowered by credit score by nearly 80 points. The balance still shows unpaid on my credit report. 

I have all documentation to back up this claim.
Consumer complaint received 2022-06-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (IL)

US Bank responded to complaint # XXXX by sending the Affidavits of Unauthorized Paper Debit Form and the Report of Alleged Unauthorized Activity Customer Statement, which were all completed, signed and returned. The documents listed above were sent to US Bank via US Mail, email and FAX on XX/XX/2022. 

As XX/XX/2022, we have not been contacted and no further communications have been received from the bank. XXXX XXXX XXXX XXXX ( XXXX yr. old, XXXX XXXX XXXX XXXX Veteran ) continues to believe that the bank is just waiting on him to die so they won't have to give him back his {$6200.00} THEY STOLE from his account. Please review and provide some additional assistance in this manner.
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (IL)

hyundai blames me for the dealer paying off my car 3 weeks late I traded the XXXX XXXX in two days after the payment was due. The dealer paid off the XXXX XXXX three weeks later I didnt even have ownership of that suv. The dealer gave an excuse of that there was a glitch in the processing of the loan.
Consumer complaint received 2022-06-17
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. (TN)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. Please provide the Bill Of Sale or original loan documents for the account " XXXX XXXX Account number XXXX. I have not received this information Per Section 623 ( a ) ( 3 ) I believe that my rights are currently being violated and this is also a violation of the FCRA. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.