davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

XXXX XXXX XXXX XXXX XXXX is now the servicer of my first and second mortgage thats was transferred from Statebridge effective XX/XX/year>. They continuously call and attempt to collect payment for my 2nd mortgage prior to the due date. The due date is the 16th of the month with a 15 day grace period. They have it set up as due the 1st of the month. The bills they send reflect the incorrect due date and they have rejected my attempts to set up an ACH because it would be outside of the incorrect due date they set up. They repeatedly call as if they are not aware of the problem in an effort to 1. Collect Money not yet owed and 2. To set up an ACH in line with an incorrect due date. Even though notes on my account are extensive and a research request is in place they continue to harass me with phone calls.
Consumer complaint received 2020-05-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Finance Company, LLC (MD)

Debt was charged off by the company 12 Continental Financial in XX/XX/XXXX. Without my knowledge debt was re-opened by XXXX XXXX XXXX  in XX/XX/XXXX. The credit card only had a limit of {$500.00} yet it was reported to the credit bureaus as {$820.00} beng owed. Furthermore, XXXX reported it a an overdue collections account in XX/XX/XXXX. Never once reporting it in XXXX or XXXX, yet reported it as 2 months overdue/late. How can you report a debt as late when ( a ) It is listed on my account as being charged off and ( b ) You don't have any agreement with me to pay said debt or payment plan in place ( c ) I don't have an account with XXXX XXXX XXXX that I opened. This action has caused my credit score to drop 33 point in one week! This action is not legal! I demand it be removed immediately!
Consumer complaint received 2020-06-16
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I have a prepaid bank of america card for my unemployment benefits. I reported the card lost/stolen. Once I reported it lost/stolen I could not access my account to report fraudulent charges. When I received my new card I accessed my account and called to report the 4 fraudulent charges. I was transferred to the dispute/claims department and was hung up on each time I called back. I looked on the website and found the number XXXX for disputing charges. I called and was placed on hold for 4 hours.I was then disconnected. I have called the number several times over the last month and it continues to be a recording telling me someone will be with me in a moment. Then it rings and a recording tells me no one is available to assist me. I wrote to all addresses on the BofA website disputing the charges and I have yet to be issued a refund and my complaint has not even been acknowledged. I called number on back of my BofA card and I have gotten so many excuses as to why no one is answering the phone in the disputes department that I am ready to pull my hair out. I believe BofA is violating consumers rights to proper refunds by not answering or processing disputes. If they don't assist customers they too are stealing from their customers.
Consumer complaint received 2023-01-09
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I came to the Bank of America ATM and tried depositing {$370.00} and it accepted {$170.00} and gave me back some money so I reentered the rest of my money and the screen said it could not process my request and to enter the additional money I put it and I typed the extra {$200.00} that I deposited and the screen said transaction canceled so it did not give me any money back nor did it complete my cash deposit to my checking account.
Consumer complaint received 2022-06-03
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: EQUIFAX, INC. (CA)

Hello, In accordance with the Fair Credit Reporting Act : the following companies have all violated my rights and I would like to have the issue reviewed and resolved as soon as possible as the inaccurate items are causing me financial hardships resulting in a lower FICO score. 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 : A consumer reporting agency can not furnish an account without written instructions.

15. U.S.C 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt This company has violated my rights : XXXX XXXX XXXX Late Payment reported : ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). 
Account # : XXXX Account Type : Mortgage This company has also violated my rights : XXXX XXXX Account # : XXXX Account Type : Mortgage Account Type - Detail : Conventional real estate mortgage Bureau Code : Individual Account Status : Closed Monthly Payment : {$780.00} Date Opened : XX/XX/XXXX Balance : {$91000.00} No. of Months ( terms ) : XXXX High Credit : {$100000.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : Affected by natural disaster Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Inaccurate addresses on my file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2021-10-15
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. (PR)

To whom this may concern I have contacted XXXX XXXX  XXXX XXXX Multiple times during the span of 3 months. They never advised of an increase of my mortgage loan from XXXX to XXXX $ never got a phone call, or letter. I found this information out when they reported the late payment to my credit bureaus account. I have these payments to be autopaid though the website & I do have extra payments on the account in which they kept telling me I don't have an extra payment. They admitted to fault opened an investigation and never did anything I called again and opened another investigation they said that they have been using those extra payments to cover for the amount needed to complete for the mortgage. I have never missed a payment & they are reporting my account late payment andnit has afected my ability to get a loan, new car & credit cards XXXX XX/XX/XXXX I spoke again to a different representative to try to get this resolved.
Consumer complaint received 2022-10-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (FL)

I PLACE A BID FOR A CAR THRU XXXX  AND THE DEALER ACCEPTED MY OFFER FOR {$15000.00}. 
THE DEALER CALLED ME AND TOLD ME THAT HE ACCEPTED MY OFFER. 
THE DEALER NAME IS XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX N.YORK XXXXAND HE SENT ME BY E.MAIL A BILL OF SALE FOR {$15000.00}, AND I HAD TO DEPOSIT {$3000.00} AND TAKE A LOAN THRU THE DEALER FOR {$12000.00}. 
ON XX/XX/2022 I WIRED THE {$3000.00} XXXX XXXX XXXX XXXX. 
ON XXXX/2022/ I RECEIVED BY E.MAIL A LOAN FOR {$22000.00} FROM WESTLAKE FINANCIAL WITH MY SIGNATURE FORGED ELECTRONICALY, I NEVER SIGNED FOR THAT LOAN, THE LOAN WAS FORGED BY THE DEALER IN N.YORK WITHOUT MY PERMISSION. 
THE DEALER DOES NOT RETURN MY CALLS. 
I CALLED THE BANK ON XXXX/XXXX/2022, THE SAME DAY THAT I RECEIVED THE E. MAIL AND TOLD THAT IT WAS NOT MY SIGNATURE, I E. MAILED THEM ALL MY PAPER WORK AND THEY IGNOR EVERYTHING. 
ON XXXX2022 THE DEALER CALLED WESTLAKE FINANCIAL AND TRIED TO MAKE A PAYMENT ON MY BEHALF, I CANCELLED THE PAYMENY. 
I AM NOT PAYING FOR A LOAN THAT I DID NOT APPLY FOR. 
I NEED YOUR HELP.
Consumer complaint received 2022-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (NJ)

XX/XX/XXXX I call twice today. The first time was to figure out why I got a letter in the mail dated XX/XX/XXXX which was the same day I made a payment. Telling me that I had not paid my bill and needed to or it was going to be turned off. They told me I got the letter because I paid XXXX days late. 
I hung up the phone already upset, I then went to the website and post dated the XXXX payment to come out on XX/XX/XXXX the due date. I then went on my bank account and saw that the payment posted against my bank for today. 

I called my credit card company back ( aspire ) and asked to talk directly to a supervisor. I told her about the call from earlier and that I post dated a payment for the due date onXXXX and that it came out today. She then told me if I make a payment with my debit card it will automatically come out same day. I asked her then why does the site let me pick a date and why is there no disclosure about if I use a debit card it will come out the same day that I have to put it my bank account info in. All she wanted to do was reverse the payment. But when I asked what happens if u forget or get busy on the due date and forget and pay a few days late again your just going to charge me another late fee. I asked again why was there no disclaimer about using a debit card and why was it not written any where. She had no answer. Told me I have been making payment so I had to know better. I was never told that this was an automatic thing only when I called XXXX other time a few months ago that it can sometimes happen. I got most frustrated with her and told her that all calls are recorded so she call dig that call up and see. Still no real answer as to why it is not posted anywhere about no matter what date you pick it will automatically come out same day. I told her I was filing a complaint
Consumer complaint received 2022-07-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (VA)

I was never provided any written statements in regards to any medical  debts whatsoever and did not know of their existence until they appeared on my credit reports. Ive attempted to dispute with the company directly and through all 3 credit bureaus multiple times. This has been an on going issue for almost a decade. I have no idea where these bills originated from, nor any information on dates of service or any break downs on services rendered per the law. Additionally per the new Medical Debt Relief Act ; as of XX/XX/2022 they are no longer authorized to report these debts on my credit reports as they are under {$500.00} and I have provided my explanation of benefits showing that I have no co-pays or deductibles or any financial responsibility with my insurance coverage. Ive attached letters and my insurance info to this complaint. If the companies do not remove these false reports, I will have to obtain an attorney.
Consumer complaint received 2022-06-14
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. (AR)

In accordance with the Fair Credit Reporting Act Collection  Account XXXX XXXX XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written consent
Consumer complaint received 2022-09-16
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. (MI)

On XX/XX/XXXX I sent a dispute letter to XXXX, Transunion, and XXXX regarding the collection account : XXXX XXXX ( Original creditor : XXXX XXXX XXXX  ) I them to verify this account. Please remove this account. They did not send me proof of verification of this account. On XX/XX/XXXX I sent a dispute letter to XXXX, Transunion, and XXXX regarding this account : XXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXX XXXX. I have doubts this is correct. Please remove this account. On XX/XX/XXXX I sent a dispute letter to XXXX, Transunion, and XXXX regarding account : XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX. Stating that this information is inaccurate, please remove it! On XX/XX/XXXX I sent a letter to the furnisher to verify that account belongs to me. This account is erroneous. This account is reporting inaccurately on all three credit bureaus. On XXXX this account is reporting the date opened as XX/XX/XXXX with a balance of {$2300.00}. on XXXX this account is reporting date opened as XX/XX/XXXX with a balance of {$2300.00}. On Transunion this account is reporting date open as XX/XX/XXXX. With a balance of {$2300.00}. I want verification that I owe that balance and a break down of the amounts owed. This account is reporting different dates opened and different balances owed. This account is erroneous, I would like it deleted from my credit reports please.
Consumer complaint received 2020-05-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC (MD)

Debt was charged off by the company XXXX XXXX XXXX in XX/XX/XXXX. Without my knowledge debt was re-opened by Debt Recovery Solutions in XX/XX/XXXX. The credit card only had a limit of {$500.00} yet it was reported to the credit bureaus as {$820.00} beng owed. Furthermore, DRS reported it a an overdue collections account in XX/XX/XXXX. Never once reporting it in XXXX or XXXX, yet reported it as 2 months overdue/late. How can you report a debt as late when ( a ) It is listed on my account as being charged off and ( b ) You don't have any agreement with me to pay said debt or payment plan in place ( c ) I don't have an account with Debt Recovery Solutions that I opened. This action has caused my credit score to drop 33 point in one week! This action is not legal! I demand it be removed immediately!
Consumer complaint received 2020-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (NY)

I have repeatedly complained to Barclay Bank and via the XXXX XXXX XXXX : I am a XXXX  in the XXXX and my husband is a XXXX XXXX XXXX. We moved to XXXX in mid-2019 and have been experiencing financial hardship. I have demanded that Barclay Bank close my account, lower the interest rate, and place me on a financial hardship repayment plan : they have refused to do this, except for deciding to close my account and do none of the other actions. I did not give them permission to simply close my account : the closure was only authorized in conjunction with the other actions. My husband and I are attempting to get ahold of our financial situation and, during this pandemic, Barclay has repeatedly disrespected us by refusing to follow instructions, refusing to permit reasonable requests, creating bad faith arguments, and refusing to allow us to do what literally every credit card issuer of myself and my husband has permitted. I should not be subject to the arrogance and indifference of this bank, with respect to the XXXX XXXX salaries that both my husband and I have. I made a reasonable request of the bank -- to pay in full, but with lower interest rates -- and they have unreasonably refused.
Consumer complaint received 2023-01-09
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. (CA)

This letter is a formal request to remove unauthorized Inquiries from my credit report. I've listed the unauthorized inquiries below. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MORTGAGE XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX. 

In accordance with the Fair Credit Reporting Act. I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate. I ask that you immediately delete the unauthorized Inquiries outline above. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above-listed address. 

If your investigation determines the inquiry was authorized. I respectfully request you forward to me a description of the procedure used to determine this within XXXX  days of the completion of your re-investigation.
Consumer complaint received 2020-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: JPMORGAN CHASE & CO. (NH)

Ink from Chase credit card. A check was written payable to me for zero percent financing through XX/XX/XXXX. I wrote a check on XX/XX/XXXX ( that's when it was on the credit card statement ) but have no record of the check being deposited into any of my savings or checking accounts. My bookkeeper is working on my books for XXXX and noticed that the {$9500.00} was never deposited to any of my accounts. XX/XX/XXXX My bookkeeper and I called Chase and asked to get a copy of the front and back of the check to see who endorsed the back and where it was deposited to and they said they couldn't give us that information.Our first phone call the Chase employee said they couldn't hear us talking anymore and hung up on us, we called back and asked for a supervisor. The next Chase employee said the supervisors were in a meeting and that he would try to help us. We told him what happened on the first call and he was nice and tried to help us. In the end he said he couldn't get that information for us that we'd have to call the dispute department, they would have more details on the transaction. We called the dispute department which was a 50 minute hold time without success. They said they could not give us this information. I don't know if I dropped the check on the way to the bank and someone else cashed it or the bank didn't put it in the my checking account. I am XXXX years old and it's been difficult trying to get this resolved. That is a lot of money to not know where it went.
Consumer complaint received 2022-07-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

Opened a joint checking and savings account with Citi bank with the motive of moving money for my down payment to this account and setting up auto pay. 

Date of opening - XXXX XXXX, XXXX Funded account with XXXX $ ( XXXX XXXX, XXXX XXXX 
Never received any debit cards for the account. 

On XXXX tried to add another XXXX  account belonging to my wife to transfer XXXX $ in the account. We added the account and it didn't give us any failure message and this is where the nightmare began. They never added the account and i mistakenly chose an account which didn't have the funds. I immediately called the bank ( within 5 minutes of making the mistake since i couldn't see a way online to cancel the transaction ) and they gave me a response they can't do anything and since you don't have funds the transfer would be canceled. I still called my other bank and did a stop payment. Also, made sure that i am not removing any money from the account. 

They resolved the issue by around XXXX XXXX but blocked both my checking and savings account. And even till date i never received any debit cards. 

I kept calling them and they kept hanging up. They just repeated that the account will be closed and you will get a cheque for the money in your account in 60 days. They closed my savings account around 4-6 weeks ago which didn't had any funds, but they still haven't closed my checking account and returned money. 

I have tried calling them, visited their branch multiple times but no success. 

Also i tried to make them understand that i am moving from my current address so atleast update the address in your records and there answer has been can't do until the account is closed after which i will have to call customer care again and try and change the address. 

It has already been more than 4 months that i have been trying to get my money back