davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I deposited 2 cashier 's checks of US {$20000.00} each on XX/XX/XXXX  into a checking account with Bank of America. On XX/XX/, Bank of America closed my account without explaining the reasoning and illegally withheld and kept the funds from this account ( a total of US {$40000.00} ). They claim that they do not have the funds, however, the funds deposited were from cashier 's checks which they already cashed. They cashed the checks on XX/XX/2022 and the funds were already transferred to my Bank of America account. On XX/XX/2022, Bank of America withdrew the {$40000.00} from my account and closed the account. 

I went back the Bank of America branch where I made the deposit and have spoken to the account manager and branch manager, XXXX XXXX. I was told that " the back office decided to start an investigation '' and that he no longer has any access to the account or what the back office is doing. He stated that he knows I am a longtime client of Bank of America and is aware that I have other accounts at their bank, however, once its in the back office, there is nothing he can do. He said he no longer has access to the account. He advised me to call Bank of America directly which I did, but never got any explanations or direct answers. I have continued to contact Bank of America numerous times and all they tell me is that I have to wait until the investigation is over, but they don't provide any estimate or details. I asked if there was any information that I can provide to help with their investigation, but she said there is nothing. Its been a year and I still have not heard back from Bank of America and my funds have still not been returned to me. They have never provided me with any details or court orders with regards to where they are holding my funds. 

I have received confirmation from the bank where the cashier 's checks originated from, and they have provided the swift routing details showing that the cashier 's checks were cashed and funds were transferred to Bank of America. However, Bank of America denies that they are holding my funds.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I DID NOT AUTHORIZE THE FOLLOWING COMPANIES TO PULL MY CREDIT : XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These companies 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 2020-07-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Suttell, Hammer & White, P.S (CA)

In XXXX of XXXX I sent the offices of Suttell & Hammer ( XXXX XXXX   XXXX XXXX, WA XXXX ) a letter requesting the validation of an alleged debt from XXXX XXXX. On XX/XX/XXXX I received solely billing statements as a response. In my original request for debt validation I requested a total of 14 different pieces of information including the original signed application and agreement. In my original letter I stated the following. 

" Your claim can not and will not be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. '' Billing statements alone do not provide sufficient evidence needed to validate a debt. 

On XX/XX/XXXX I was notified by a housemate that a process server had come by in an attempt to serve me papers for a lawsuit. I then called Suttell & Hammer and inquired as to why they would move forward with legal action without properly completing the debt validation process. The dropped the suit the same day that I called them. 

On XX/XX/XXXX, almost seven months later, I received another envelope from Suttell & Hammer with the same billing statements as well as an affidavit of plaintiff. The Affidavit in no way provided any evidence that this debt belonged to me and stated only that the Affiant had alleged " personal knowledge '' about the record keeping practices at the original bank in which the debt allegedly originated from. 

I believe that it is an unfair practice to not only wait almost seven months to respond to a debt validation request, but it is also an unfair practice to use intimidation tactics such as lawsuits and affidavits as a way of collecting on a debt that can not be validated sufficiently. 

I would like to ask Suttell & Hammers collection practices be investigated and I would also like to request that if they can not provide the adequate documents to verify this debt, that they discharge it at once. 

Attorneys cited on Affidavit include the following XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

Hi I received the Alerts fr my XXXX XXXX coz someone used my Identity getting renting Apt and Utility bills and cables I called the Company I told them I don ; t live in XXXX XXXX I live in XXXX XXXX for almost 35yrs I have stollen Identity theft and that's my problem right I receiving a lot an open an Acct under my names even buying Cars and also they used my DL # I report this to XXXX and changed my DL #. I called the credit bureau to freeze my Acct coz of this Fradulent Acct under my names some of this peoples using or carry my Identity still out there specially I got report one of Collection under Columbia Debt Recovery in XXXX XXXX that I owe almost {$16000.00} for renting a Apartment and also XXXX  Debt Collection I owe almost {$3500.00} for Cables and XXXX XXXX XXXX 
the4 Cpmpany 's is Columbia Debt Recovery-phone # XXXX XXXX XXXX XXXX-phone # XXXX XXXXXXXX XXXX XXXX XXXX AND ALSO A LOT OF NEW CREIDT INQUIRY UNDER MY NAME
Consumer complaint received 2020-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX I called American Express to pay the remainder on the card and cancel it. I explained that part of the late fees happened because my card was lost or shredded and could not access my account when I called them prior. Because when I called them earlier in XXXX, their representative told me to go to the app and would not help me that time, I was not helped this time. But this time they helped me pay my card and told me the card and account were closed. That day on XX/XX/XXXX after our call, I got an email saying I had been refunded a certain amount. On XX/XX/XXXX an email said the account was cleared. Then on XX/XX/XXXX I received an email that I had been refunded more, but I thought it was a mistake. So almost no contact nothing owed for 5 months, THEN in XX/XX/XXXX or so I receive an email that i have a balance due to them again! When I had shredded the card. They add late fees and never truly close my account. And at this point, Ive called and talked with 4 or 5 Amex representatives and canceled my account. Last time they acknowledged it was harassment and said I would not be contacted again. YET I received another payment due letter at my parents residence. It is harassment.
Consumer complaint received 2020-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Radius Global Solutions LLC (OH)

So I am getting extremely upset. XXXX XXXX  reported my balance incorrectly. It reports I still owe a blance when I do not. XXXX XXXX  used Redius Global Solutions to help them collect debts. I settled my account with Redius global solutions & they are still reporting inaccurate information. I am upset because I am in the process of trying to get a house & the incorrect reporting is prolongong the situation. I settled the account legally for aboiut {$1400.00}. They reflected the XXXX as a payment and is claiming I still owe. Radius presented me the settlement offer I did not call and ask for that amount. This is time sensitive and needs to be chnaged immediately
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There are credit inquiries that i want removed Immediatrely.These accounts were never given my permissible purpose to furnish these accounts, furthermore they infringed upon my rights to privacy in pursuant to 15usc 1681 ( 4 ) these corporations have caused damage to me mentally and XXXX is said in pursuant to 15usc 1681 ( XXXX ) any transaction or experience should be excluded from my consumer report.THESE BANKS and lenders has also violated the billing error practice act in pursuant to 15usc 1666 they never gave me the right to opt out and are not reporting accurately i want these inquiries removed immediately as they are identity theft.I do not want my account closed i just want the inquiry deleted off my credit report.
Consumer complaint received 2020-07-03
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (VA)

Around XXXX on XX/XX/2020 I tried to open an account with BB & T at the XXXX. XXXX branch in VA. I was told that in order to go inside the lobby to open an account I would need to wear a mask. They did not have any masks to provide to me and the woman who told me this wasnt wearing a mask herself. She claimed that it was a requirement to wear the mask if I wanted to open an account there. I was discriminated against and unable to open an account because I did not have or wear a face mask.
Consumer complaint received 2020-07-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: U.S. BANCORP (IL)

My XXXX  XXXX office uses US Bank to collect online payments. Their accounting system sends autogenerated letters, presumably when payment records are not transmitted among the different parties. 

I received a notice that I had over {$200.00} in payments due to the pediatrician in a letter datedXX/XX/XXXXwhen I knew I had paid several of the bills. The most recent charge was {$79.00} for a visit on XX/XX/XXXX. On XX/XX/XXXX when I opened the letter and saw the stark " will be forwarded to a collection agency '' message, I called to understand the payments ( I had receipts for them ) and a woman named XXXX who worked for XXXX XXXX XXXX hospital indicated only the most recent charge was due. Note that the doctors office typically collects a co-pay and then if there are additional charges after the copay, they send the bill to my home - so between XX/XX/XXXX and XX/XX/XXXX the only bill I received was a " Final Bill Notification '' threatening to forward it to a collection agency if not paid within 10 days. In any case, I made a note of my conversation with XXXX, thanked her and immediately paid the XX/XX/XXXX remaining charges via XXXX 's online portal, hosted by US Bank. 

A few weeks ago, a letter arrived stating I still owed the {$79.00}. I threw it in the trash because I have a receipt and credit card statement showing that it was paid. Today, XX/XX/XXXX, another letter arrived, dated XX/XX/XXXX, stating that I sill owed the {$79.00}. This is abusive and it is likely due to some bad programming between the customer ( XXXX ) and the bank ( US Bank ). I wonder how many other parents receive these letters and have to waste time calling to confirm they paid, or submitting a complaint to CFPB? It is also a waste of paper. Please investigate US Bank for their threatening tactics and poor IT design/management that results in customer abuse.
Consumer complaint received 2020-08-28
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PINNACLE FINANCIAL PARTNERS, INC. (TN)

I was discharged from bankruptcy in XXXX and has disputed the amount twice a year for the past 5 years. XX/XX/XXXX I sent email to the president and several other employees of Pinnacle Financial Bank. 
I entered bankruptcy in XXXX and several years into bankruptcy my second mortgage sold my loan to Pinnacle Bank. Pinnacle Bank did not comply to Chapter XXXX standard letter was sent to appear in court they ignored. Pinnacle Bank did not mail me any documentation about my account with them.The second mortgage had to keep accepting the payment and then they would forward to Pinnacle Bank. The first time I seen the amount from Pinnacle right after my bankruptcy they states I owe them XXXX and they claim I was late every month. I would dispute with credit bureau and then the amount was lowered to XXXX. I disputed that amount as well then the amount changed again to XXXX. I dispute the amount again they will not remove the amount. 
I have the letter I sent to them as well as my Chapter XXXX payment history for the second mortgage. Please review
Consumer complaint received 2020-07-03
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/XXXX I spoke with a XXXX from XXXX and told them that they are showing my account past due for XXXX on my credit report. He stated that he would get them to fix that because it shows that I have made all the payments they just don't show applying it to my account. He stated that their systems have been making big mistakes lately and they had a bad glitch. He said he will send it to their internal credit dept. and it should take 72 hours. In XX/XX/XXXX I went to apply for a car loan and we was denied due to the late showing my XXXX report. 
On XX/XX/XXXX I contacted XXXX at XXXX and spoke with XXXX. She looked at my account and confirmed the same as the rep from the previous call that I was never late for XXXX or any other month. We though that this happen because my scheduled payments were changed from the XXXX of every month to the XXXX of every month. After further investigations XXXX stated that would not be the case either because my change started in XXXX and it is showing on the credit report that XX/XX/XXXX was late. XXXX from XXXX stated that she would be sending this to the internal credit dept. to have them send an update to the credit bureaus showing I was never late. 
On XX/XX/XXXX I sent an a dispute to Experian  and the came back with their results on XXXX showing the balance had been updated but the past due still shows on my account which made my fico score drop XXXX points. 
XXXX I sent another dispute through experian and showed records that I am attaching here if able to show proof from my account at XXXX, I was never late and they received all my payments every month and the XXXX payment shows received. 

I feel that being turned down for credit because of the error XXXX created and Experian not seeing the proof I sent to fix it is making my life stressful. I need to get this repaired and my credit report fixed. I have taken all the proper steps in contacting the bank, contacting the credit bureaus and still can not get it fixed. I have proof and I even have the statement from XXXX showing my payments received. 

I am asking for someone to please assist me with this matter because it is become a true hardship to get any of my credit in line and I am afraid that the current credit l have now will start pulling my line of credit or reducing my high limits due to this error that XXXX has created. I don't know where else to turn. 

Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-03
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)

On XX/XX/XXXX I spoke with a XXXX from XXXX and told them that they are showing my account past due for XXXX on my credit report. He stated that he would get them to fix that because it shows that I have made all the payments they just don't show applying it to my account. He stated that their systems have been making big mistakes lately and they had a bad glitch. He said he will send it to their internal credit dept. and it should take 72 hours. In XX/XX/XXXX I went to apply for a car loan and we was denied due to the late showing my XXXX report. 
On XX/XX/XXXX I contacted XXXX at XXXX and spoke with XXXX. She looked at my account and confirmed the same as the rep from the previous call that I was never late for XXXX or any other month. We though that this happen because my scheduled payments were changed from the XXXX of every month to the XXXX of every month. After further investigations XXXX stated that would not be the case either because my change started in XXXX and it is showing on the credit report that XX/XX/XXXX was late. XXXX from XXXX stated that she would be sending this to the internal credit dept. to have them send an update to the credit bureaus showing I was never late. 
On XX/XX/XXXX I sent an a dispute to XXXX  and the came back with their results on XXXX showing the balance had been updated but the past due still shows on my account which made my fico score drop 56 points. 
XXXX I sent another dispute through XXXX and showed records that I am attaching here if able to show proof from my account at XXXX, I was never late and they received all my payments every month and the XXXX payment shows received. 

I feel that being turned down for credit because of the error XXXX created and XXXX not seeing the proof I sent to fix it is making my life stressful. I need to get this repaired and my credit report fixed. I have taken all the proper steps in contacting the bank, contacting the credit bureaus and still can not get it fixed. I have proof and I even have the statement from XXXX showing my payments received. 

I am asking for someone to please assist me with this matter because it is become a true hardship to get any of my credit in line and I am afraid that the current credit l have now will start pulling my line of credit or reducing my high limits due to this error that XXXX has created. I don't know where else to turn. 

Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (NY)

The account is a collections account reported on XXXX and XXXX from XXXX in the amount of {$770.00}. 

I was laid off from my job because of Covid-19, which was around XXXX of XXXX. 
Considering, I have lost my Health benefits as well. I had to apply for health coverage from the state.

My Health policy with Health First was not effective until XX/XX/XXXX of XXXX, but however, I was told by a Rep from Health First, that I was able to use my coverage before hand and everything will be fine. 

So, I used my coverage on XX/XX/2020 because I was exposed to Covid-19 and it was an urgency that I go get checked for myself and family. 

The Clinic took my coverage and assured me that everything was good to go. It has been over 2 years and I'm just now receiving letters in the mail, starting a month or so back, stating this amount. The letter never stated that my coverage did not cover that visit. Also, was unaware considering that me and my father have the same exact name. I haven't received any notice stating that it was not covered at all around the time went to be tested for Covid-19, etc ... and it has been over 2 years..

Now its being reported on my credit report as an collections account and I would like for this to be removed from my credit report immediately due to Covid-19, false information given to me and lack of communication regarding this matter. Don't think I was treated properly in this matter.

I was completely unaware that I was not able to use my coverage before the effectiveness of my policy and was told I could by a rep.