davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (TN)

Agreed with company on payment plan and was promise to clear on credit report but instead still showing up on credit reports. I have made 4 payments already and have them direct deposit from my personal bank account.
Consumer complaint received 2022-07-18
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: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I found out 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. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$470.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$1200.00} ; XXXX XXXXXXXX XXXX Balance : {$480.00}
Consumer complaint received 2020-08-11
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. (NJ)

I filed chapter XXXX bankruptcy XX/XX/XXXX, that included the vehicle being reported as charge off on my credit report. I was dismissed from the bankruptcy the same year XX/XX/XXXX. The creditor report show charge off dates that are different years XXXX & XXXX. The payment history on account was delinquent 180 days past due as XX/XX/XXXX throughout XX/XX/XXXX as it changes frequently 30, 60, 90 days past due. The account was declared dismissed / charge off as bad debt effective XXXX XXXX. After several attempts to clear this matter now 8 year and 7 month old account its unsuccessful. According to the Fair credit reporting act this account should of been removed after the date of the first delinquency or the date of my 7 to 10 years time last paid in bankruptcy. In the state of New Jersey its 6 years statue of limitation. I am 2 years and 7 months over. The creditor has change the information frequently when reporting to all 3 creditor agencies and I believe this is wrong creating me hardships at this time.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I've recently received a copy of my credit report and noticed several inaccuracies and fraudulent reporting on accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health
Consumer complaint received 2022-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2022, I received a letter from Capital One asking that I contact them. The letter indicated that I wouldnt be able to conduct transactions until I contacted them and threatened that the account would be closed in XXXX  days if I failed to do so. This is a new account that offered {$200.00} in bonuses if I met a certain initial spend. As soon as I met the spend, Capital One blocked the card and the bonus, for reasons I dont know. I have called several times, each time being told I would hear from some XXXX within XXXX business days. That call has never come. I fear that this will adversely affect my credit rating when Ive done nothing wrong. Furthermore, Capital One has acted fraudulently by blocking the card and the bonus as soon as I met the requirements for the bonus.
Consumer complaint received 2020-08-11
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: American First Finance, Inc. (WI)

I have a loan with AMER FST FIN and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, AMER FST FIN and XXXX XXXX  with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2023-12-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NJ)

On XX/XX/2023, I discovered that approximately {$37000.00} had been transferred from my Marcus by Goldman Sachs ( Goldman Sachs USA ) savings account beginning on XX/XX/2023 through XX/XX/2023. In each instance, {$1000.00} was transferred out of my account to an XXXX account at XXXX XXXX XXXX. It seems this activity was done to evade AML structuring monitoring as well as the reporting requirements. I did not authorize any of these XXXX transactions. I have completed the necessary WSUD forms as provided by Goldman Sachs within the 10 business day time-period. I have called several times to determine when a provisional credit would be issued in my savings account as it is now Day XXXX of the investigation. These calls have been futile at this point as Goldman Sachs ' employee do not understand the language of their own deposit agreement, which mirrors Regulation E. 

Despite our 10 calls to Marcus by Goldman Sachs, the bank refuses to issue a provisional credit to me despite its own Deposit Agreement stating that they will provide a provisional credit within 10 business days, if the investigation takes longer. I am consistently told that an internal review is ongoing and we do not issue provisional credits. I simply want my funds returned to me. 

Pursuant, Regulation E ( 12 CFR Part 1005 ) of the Electronic Funds Transfer Act ( https : //www.consumerfinance.gov/rules-policy/regulations/1005/11/ ), the act states : ( 2 ) Forty-five day period. If the financial institution is unable to complete its investigation within 10 business days, the institution may take up to 45 days from receipt of a notice of error to investigate and determine whether an error occurred, provided the institution does the following : ( i ) Provisionally credits the consumer 's account in the amount of the alleged error ( including interest where applicable ) within 10 business days of receiving the error notice. If the financial institution has a reasonable basis for believing that an unauthorized electronic fund transfer has occurred and the institution has satisfied the requirements of 1005.6 ( a ), the institution may withhold a maximum of {$50.00} from the amount credited.
Consumer complaint received 2024-10-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (TX)

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2023-03-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF HAWAII CORPORATION (HI)

Aloha! 
My Bank is Bank of Hawaii. 
I noticed that there was a charge of XXXX cleared from checking acct on XX/XX/XXXX. 
Then there was another charge of XXXX cleared from checking acct on XX/XX/XXXX. 
I disputed these charges on XX/XX/2023. Sent them numerous emails. 
I then called Bank of Hawaii asking if there was a phone # connected to these charges. I accidentally deleted my call history but made several calls to the number that said, " the phone you are calling has a voicemail that hasn't been set up yet. '' I know through my experience with customer service employment that even if voice mail hasn't been set up, the owner can still see the number that called them. Because a lot of customers would call back asking who we were etc. 
My pleas to BOH was I did what they wanted me to do to contact the company that really was not known to me. 
I am XXXX years old and frail where I wouldn't be trying to do a fitness program with XXXX XXXX and XXXX. 
The Bank CSR up to the management level yesterday claimed that they couldn't do a provisional credit because it is still under investigation. I told them then release the money deposited that are not part of the dispute. They said sorry they couldn't do that. I continued to tell them why penalize me and hold my funds that has nothing to do with the bogus charges. 
They kept repeating the same thing balance minus this balance minus that. 
I got angry and said, " I miss those in management and teller who was old school who worked from the heart and not use the hat of management as a negative and would help than hurt. 
All I want is for someone to believe in my plea and expedite the return of these bogus charges that belongs to me and not whom ever this XXXX company is!!!! 
Thank you so much and God bless you! 
Account Activity Change Account XXXX XXXXXXXX XXXX, XXXX Account information {$120.00} Available balance Current balance : {$120.00} Last 60 Days All Recent Year To Date Last Year Search All transactions for the last 60 days Show scheduled transactions Date Number Description Amount Balance XX/XX/2023 FUNDS TRANSFER Gather to BOH for OD Miscellaneous XXXX XXXX XX/XX/2023 XXXX XXXX FEE REFUND/ BOGUS W/D XX/XX/2023 Miscellaneous XXXX XXXX XX/XX/2023 CUSTOMER DEPOSIT XXXXXXXX XXXX 2nd loan repayment Balance XXXX Miscellaneous XXXX XXXX XX/XX/2023 NSF ITEM PAID FEE OD FEE/BOGUS CHARGE DISPUTED XX/XX/2023 Miscellaneous XXXX XXXX XX/XX/2023 XXXX BOGUS W/D DISPUTED XX/XX/2023 Miscellaneous XXXX XXXX XX/XX/2023 XXXX BOGUS W/D DISPUTED XX/XX/2023 Miscellaneous XXXX XXXX XX/XX/2023 CUSTOMER DEPOSIT XXXX  1st loan repymt Balance XXXX Miscellaneous XXXX XXXX XX/XX/2023 CREDIT MEMO BOGUS CHARGE DISPUTE DONE Miscellaneous XXXX XXXX XX/XX/2023 CREDIT MEMO BOGUS CHARGE DISPUTE DONE Miscellaneous XXXX XXXX XX/XX/2023 XXXX XXXX PAYMENT XXXX CHARGE Miscellaneous XXXX XXXX XX/XX/2023 XXXX BOGUS CHARGE DISPUTED DONE XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX
Consumer complaint received 2024-12-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I applied for a Citi bank checking account and completed bonus requirement for {$3000.00} direct deposits while back and still havent got the {$320.00} bonus yet. When I inquired from Citi Bank about the bonus I received a response from the Citi bank executive team below regarding complaint The direct response that I received from Citi Bank was that I qualified for the bonus, and it will be deposited to my account on or before XX/XX/XXXX. 

They havent kept the promise, and the bonus has not been deposited as of today and when I inquired about the bonus last week, The Citi bank rep told me that I qualify for the bonus and that she will investigate the matter and then I received a correspondence from Citi Bank this week that I am not qualified for the bonus. 
I want to emphasize that Citi Bank executive team rep and the customer care gave me false information and I keep sending {$1000.00} direct deposit as of today due to false info that I received from the Citi Bank reps including one from Executive team. 
I visited Citi Bank office in XXXX to inquire about the bonus and manager XXXX XXXX inform me that he can see his internal notes that I qualify for the {$320.00} bonus from the previous communication that I had with Citi Bank.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: NEW YORK COMMUNITY BANCORP INC (WA)

Flagstar Bank reported negative on my credit on XXXX different occasions, most recently XXXX, past due payments. The account was for a joint mortgage account, that my ex-wife was in charge of, but never had re-financed or sold, until just this month of XXXX. 

The divorce decree, from XXXX, had indicated that she was wholly responsible for paying on the account and had a deadline of XXXX to re-finance or sell the mortgage, so my name would be taken off. This was also not done until recently. On my part, I did not take her to court to resolve this, as it would not have been a humane action to take, as her mother and XXXX pets were living in the home. 

When I submitted a dispute with XXXX XXXX XXXX XXXX XXXX Flagstar banks decision and XXXX it was accurate. Flagstar, when I submitted a report inquiry to have the credit fixed on my behalf, due to the divorce decree, replied that the information was accurate and no changes would be made. 

My point of contention in this is the fact that my ex-spouse was then able to sell the mortgage this month of XXXX, without anything needed on my behalf. I did not have to sign any paperwork, nor did I receive any compensation for the sale of said mortgage loan. If this is the case, then should not all of the negative reporting on my credit account then be taken off regarding Flagstar Bank?
Consumer complaint received 2020-07-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

Ive been trying to fix my credit or get credit because i have no history. So when i get notifications about my credit i check them right away. On XX/XX/2020 i got a notification that an account has been updated on XXXX that my credit had dropped so i immediately checked and there was a high impact in collections. ACCOUNT RESOLUTION SERVI is the collection company and the account was open XX/XX/2020. I haven't been sick seen or been to a Er/physician in 2 yrs nor have i had health insurance since XXXX when i was on XXXX. I have never received a letter or phone call or anything having to do with this company till XX/XX/2020 when it appeared on my credit.
Consumer complaint received 2020-08-11
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (PA)

In XXXX 2018 this account got charged off, which destroyed my credit. Aftter more than a year and a half of the account being charged off, they started reporting a monthly payment, and they are reporting me currently late 120 days, which I can not be late on a charged off account, and I can not have a monthly payment on it either. I understand the pandemic has people confused, but this confusion is destroying my life and my chances of ever getting my credit back in order! Please help me!!!
Consumer complaint received 2022-09-17
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. (IL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX : {$14000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXXXXXX XXXX Balance : {$390.00}
Consumer complaint received 2022-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (NJ)

I am a long-time customer at PNC Bank

. On XXXX XXXX XXXX, I attempted to make a XXXX transfer of {$500.00}. In error, two digits were transposed. A few days later, the recipient called to inform me they had not received the funds yet, which prompted me to call the PNC bank to report the issue as soon as possible. Prior to contacting PNC Bank, I tried reaching out to the phone number the funds were sent to in error and had no luck. PNC Bank took in my XXXX  dispute and advised me an investigation will take place and someone would contact me. 
As of today, XX/XX/XXXX, no one from PNC Bank has reached out, however I received a letter dated XX/XX/XXXX stating my claim was denied because according to their investigation, " The Transfer was valid and processed as instructed ''. 
I decided to contact PNC Bank to inquiry about the claim determination and to understand how this " investigation '' was handled when they never called me. I spoke to someone named XXXX, she transferred me to someone else named XXXX. XXXX then told me that the investigation was done by validating the information I had input while the transfer was being done through the online banking portal. To my surprise, I can not understand how they considered this an investigation because I told them it was a valid transfer that I was making, however it was sent to the wrong person ( I guess, I conducted my own investigation ). I also questioned her about how PNC Bank protects their customers from situations like this, and if there is no protection for the customer, then why are they providing such service? She stated the service is protected, however only for Unauthorized charges, which makes absolutely no sense to those who are conducting authorized transfers. She then transferred my call to someone named XXXX which stated she would escalate my complaint and have someone call me. 
As a long-time customer, I shouldnt feel the need to be treated this way ; I made a mistake and did what I thought was RIGHT, but here I am- out of {$500.00} because PNC Bank offers a service at the expense of their customers. PNC Bank shouldnt promote a service they can not back up or offer consumer protection- this should be illegal. 
I would like for the {$500.00} to be credited into my account as soon as possible- thank you. 

I can be reached by phone XXXX or email XXXX XXXX
Consumer complaint received 2022-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (RI)

We paid for an appliance repair facility nearby to repair an appliance. They refused to provide the service after visiting to diagnose the problem, so we disputed the {$160.00} charge with our credit card. This transaction fully complied with the Fair Credit Billing Act dispute rules. 

After entering the dispute, Fidelity Cardmember Services sent us a letter that included a form requesting nearly all of the information already provided to them in writing when we filed the dispute. The letter stated that if we did not complete the form, they would continue the dispute using the information we had provided them to date. Since we provided all of the relevant information, we did not respond to the letter. 

A few weeks later we received another letter stating that because we did not respond to the previous letter, they were closing the dispute and taking no further action. This was in contrast to what the previous letter stated. 

Fidelity Cardmember Services violated the FCBA and misrepresented how they would handle the dispute.