davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX I was on my Bank of America phone app. I went to transfer {$5400.00} from my checking account, to my savings account, and accidentally pressed my mortgage account. I called BOA to let them know this was erroneous, and they advised my my case number was XXXX and that the {$5400.00} would be returned to my checking within 7 days. This was after 1 hour and 20 min hold. I called a week later, and a male agent, after another 1 hour and 30 min hold, advised he has escalated the situation, and that the funds would be back in my checking in another 5 days. I waited another week and called again, and waited over an hour, and the female agent advised me that it had not been escalated, and that she would take care of this, and i would see it in a few days. I called yesterday XX/XX/XXXX, and waited on hold for 1 hour 41 mins, before another female agent said " don't you worry sir I will make sure you get the funds back before we hang up the call, and will bring in a manger, stay on hold I'll be right back '', and after waiting another 1 hr 30 mins ( over 3 hours on this call ), she never came back on the line. I have missed time at work trying to make these calls, it is urgent I get my money back ASAP. Can someone please please help me these people are awful.
Consumer complaint received 2020-10-14
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: Convergent Resources, Inc. (PA)

I am filing a complaint of non-compliance against the following collection companies : 1 ) XXXX XXXX : Acct # XXXX XXXX ) CONVERGENT OUTSOURING ( XXXX ) ACCT # XXXX XXXX ) XXXX ( XXXX XXXX XXXX ) ACCT # XXXX This is formal complaint that you have failed to respond in timely matter to my dispute letter deposited by certified registered mail with USPS. 

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the FTC ( see 15 USC 41, et seq. ). I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. ( I have attached letters I sent to XXXX and all 3 companies ). The following on the letters needs to verified : In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the XXXX for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ),  when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter.
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

These five accounts listed show the wrong status & balances on the credit reporting bureau. I have previously contacted the credit bureau. 


XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Collection - XXXX
Consumer complaint received 2022-06-26
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. (TX)

I am a victim of identity theft. The fraudulent information listed below is showing on my credit file is not mine. I am officially disputing the fraudulent information and requested an immediate investigation. Please remove the fraudulent information immediately from my file. I have attached all documents required by law and also directed to me by your fraud department. I also list these laws for your convenience.
Consumer complaint received 2020-10-14
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: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I am filing a complaint of non-compliance against the following collection companies : 1 ) XXXX XXXX : Acct # XXXX 2 ) XXXX XXXX ( XXXX ) ACCT # XXXX 3 )  PORTFOLIO ( XXXX XXXX XXXX ) ACCT # XXXX This is formal complaint that you have failed to respond in timely matter to my dispute letter deposited by certified registered mail with USPS. 

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the FTC ( see 15 USC 41, et seq. ). I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. ( I have attached letters I sent to XXXX and all 3 companies ). The following on the letters needs to verified : In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the XXXX for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter.
Consumer complaint received 2020-09-02
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. (CT)

I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries.i have contacted the Creditors and they have No Evidence of Credit with them : # 1. XXXX XXXX XXXX XXXX XXXX- Loan Amount {$560.00}, XX/XX/2020.

# 2. XXXX XXXX -Loan Amount {$420.00},XX/XX/2020. # 3. XXXX XXXX XXXX-Loan Amount {$1300.00}, XX/XX/2020. # 4. XXXX XXXX XXXX- Loan Amount {$0.00}XX/XX/2020 # 5. XXXX XXXX XXXX XXXX - Loan Amount {$0.00}XX/XX/2020.
Consumer complaint received 2020-09-02
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. (CT)

I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries.i have contacted the Creditors and they have No Evidence of Credit with them : # 1. XXXX XXXX XXXX XXXX XXXXXXXX Loan Amount {$560.00}, XX/XX/2020.

# 2. XXXX XXXX  -Loan Amount {$420.00}, XX/XX/2020. # 3. XXXX XXXX XXXXLoan Amount {$1300.00}, XX/XX/2020. # 4. XXXX XXXX XXXX Loan Amount {$0.00} XX/XX/2020. # 5. XXXX XXXX XXXX XXXX - Loan Amount {$0.00} XX/XX/2020.
Consumer complaint received 2020-09-02
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. (CT)

I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries.i have contacted the Creditors and they have No Evidence of Credit with them : # 1. XXXX XXXX XXXX XXXX XXXX- Loan Amount {$560.00}, XX/XX/2020.

# 2. XXXX XXXX -Loan Amount {$420.00},XX/XX/2020. # 3. XXXX XXXX XXXX-Loan Amount {$1300.00}, XX/XX/2020. # 4. XXXX XXXX XXXX- Loan Amount {$0.00} XX/XX/2020# 5. XXXX XXXX XXXX XXXX - Loan Amount {$0.00} XX/XX/2020.
Consumer complaint received 2020-10-14
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

{$800.00} was fraudulently taken out of my account on XX/XX/XXXX at a Bank of America ATM. I upon noticing immediately contacted Bank of America and reported it as fraud and opened a claim. I then set security measures on my account to prevent further fraudulent ATM withdrawals. I was debited the amount pending an investigation. On XX/XX/XXXX {$1000.00} was taken from a Bank of America ATM in XXXX when transactions on my account show that I was in XXXX at the same time. On XX/XX/XXXX {$1000.00} was taken out from a Bank of America ATM in XXXX. On XX/XX/XXXX {$1000.00} was taken out of a Bank of America ATM in XXXX XXXX and on XX/XX/XXXX {$1000.00} was taken out of my account from a Bank of America ATM. Upon realizing these fraudulent charges has occurred I contacted the bank again and opened up a second claim for {$4000.00}. They debited me the money pending an investigation. They although having access to all of the evidence they could need, ( ie cameras, bank statements, etc ) found my case to be " no fraud found. '' I immediately reopened the cases and was told that unless I was able to provide them more proof that the decision would not be changed even though they have not proven that I was negligent or that I committed the fraud. I decided to file a police report. After doing so Bank of America sent me two letters stating that they had reinvestigated my case and had found that my account had been tampered with and they found fraud and that I would be receiving the money back. 11 days after the letters I still had no access to my online banking account or anything. I called Bank of America and they informed me that although my case had been settled that it was once again overturned due to new policies and that I would need to fax in a copy of my police report if I wanted them to escalate and reopen my case again. In addition they had removed the credit of {$4800.00} which then put my account into the negative. During that time a couple of my unemployment deposit hit my account and they took that money out to cover the difference due to my account being in the negative. So they did not protect my money in the first place, have revictimized me all along with the way, I have been given completely contradicting information from every single representative I spoke with, and now they are stealing additional money to cover my account balance being in the negative.
Consumer complaint received 2020-09-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc (PA)

The debt collection company called me during the first week of XXXX about a debt that was originally from XXXX University. I contacted The University for more information on the debt on my account. I was told that if you dont pay in a certain amounts of months they will sale the debt to a debt collector. I had no idea I had debt in that amount because it is inaccurate. The amount on the bill is not accurate because I applied for financial aid that semester and everything processed but the school scammed me and emailed me fake Award Letter. I contacted to school to for more information but the school is giving me false accusations so insisted on taking legal actions. Now the debt collector has been calling me & harassing me to pay debt that is not the accurate amount. They called me on XX/XX/XXXX at XXXX then XX/XX/XXXX at XXXX, and also on the today at XXXX. The amount on the debt is XXXX and the arrangement plan was for {$50.00} a month. However I have to make a dispute because the amount is not accurate.
Consumer complaint received 2020-09-02
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: Experian Information Solutions Inc. (GA)

Experian and XXXX  are fraudulent on my accounts : XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX  XXXX XXXX is fraudulent on my credit Account
Consumer complaint received 2020-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (NY)

During the time, COVID 19 was at its worst in XXXX, XXXX, and XXXX. I called in notified Honda Financial that due to the pandemic, my work hours were reduced, and I needed more time to make a payment. I made an arrangement to pay in XXXX, which I did. However, they reported to the credit bureaus that my payment was late in XXXX, XXXX, and XXXX. Even though it was agreed upon, I had to make payment in XXXX. I ended up making the payment in XXXX to avoid having them continue to report late payment. I spoke to them and confirmed the agreement. However, they said they are unable to change the report.
Consumer complaint received 2020-10-14
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020. I went to XXXX ATM. XXXX XXXX. XXXX. Time XXXX / XXXX. XXXX : XXXX XXXX, CA I selected to withdrawal {$730.00}. I choose the denomination bills. 7 $ XXXX, 1 {$20.00} and 1 $ 10.The ATM only gave me 8 $ XXXX and 1 {$10.00} bill. Equal to {$170.00} I was in disbelief. I proceed to try again and the ATM said I had reached my maximun withdrawal limit. I ran to the bank since ATM was outside the branch location. Bank was closed. So I called customer service. They transferred me to the claim department, After 3 hours waiting on the phone. The call disconnected. I called back the next day. finally, I filed a claim. I even went to the bank spoke to the manager and she told me that XXXX debit cards are handle different and to call the claim department. I called back few days later and they told me my claim was denied. I am so stress. I am missing {$560.00}. How can this be possible. ATM should have been over the next day when audited by the agency or the bank. The Claim department said ATM was fine. No one is helping me. I have waited hours on the phone with XXXX claiming department. They seem to care less. Please help me out. I have been unemployed for almost 7 months.
Consumer complaint received 2020-10-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

I have applied to refinance two home loans with Fifth Third Bank. The applications were completed at the end of XXXX and I was told it might take 3 months to complete. We are closing in on 5 months, now. I am continually told that everything is in process but can not get a firm answer about approval or closing. My loans are straight forward, no risk loans. One is for 20 % XXXX ( XXXX ) and the other 65 % XXXX ( XXXX ). I am high net worth individual. 
I have talked with XXXX XXXX, Loan Originator and XXXX XXXX, Loan Underwriter. I can't get a straight answer. I feel misled and an application should not have been taken if this instituition can't process loans with 5 months time.
Consumer complaint received 2020-10-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Blakely-Witt and Associates, Inc. (TX)

Back in late XXXX of 2020, my boyfriend and I made plans to move into an apartment. We were all set to move in when COVID-19 hit our area XX/XX/2020. By that time, jobs were closing down, and I soon found myself unemployed, as my job shut down, too. I wasn't making any income to even attempt paying off this collection, and am still making no income from the effects of this pandemic. I'm still struggling to find any means of pay. In addition, my boyfriend lost a lot of his work hours, so we were making little to nothing. Even if we did move in, we would not have been able to pay the monthly rent. We still can not afford the monthly rent, let alone this debt collection that, for some reason, was charged on both of our accounts. The amount we were charged with is the total yearly payment on our apartment, times two. Blakely Witt & Associates is charging both of us {$18000.00}, which isn't applicable in the slightest since we aren't making anywhere near that much money, and if we were going to live together in the same apartment, it baffles me that we are both being charged this much for it. We'd be having to fork out a total of {$36000.00}. We don't make that kind of money at all! I attempted to file a dispute through XXXX  on XX/XX/2020 for these sudden charges, but as of today, both companies have reviewed my dispute and stated that my debt collection remains in my account, and wasn't removed. This isn't fair for us, because my boyfriend 's mother was planning to move into an apartment in the same complex, yet she was able to dispute her debt collection that charged her around the same amount from the same company. She opted out of moving in because of the coronavirus, as well.
Consumer complaint received 2023-01-12
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. (TN)

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 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 you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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
Consumer complaint received 2020-10-14
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Adjusters, LLC (GA)

I sent National Credit Adjusters a Debt Validation letter that the received on XX/XX/2020. In that letter, I clearly stated the clause below : " I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. '' However, National Credit Adjusters ignored this and continue to call me. I have proof of them calling after I asked them to clearly NOT to. 

This is considered harassment, and I have been stressed and mental anguish regarding this. 

I demand compensation in the amount of {$5000.00} for them violating my FDCPA rights.
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I turned in a XXXX XXXX XXXX early. My mileage limit was XXXX. The car had approximately XXXX miles at the time of turn in. I had completed all, repeat all of my monthly payments for the lease. My lease matured in XX/XX/2020 and I did not lease or purchase another XXXX. XXXX XXXX XXXX ( XXXX ) issued a fee of {$900.00} for excess wear and tear and a lease maturity turn in tax and other items ( items that they admittedly will waive if you purchase or lease another XXXX ).  None of the {$900.00} was related to monthly payments. I received a notification that my credit score had dropped 87 points because XXXX reported a 90 day past due status on a payment. My position is that XXXX incorrectly reported the {$900.00} as a late payment. It is not a payment. It is a fee that was not negotiated by either party. I am not sure if it was even in the lease contract but even if it was it has nothing to do with a monthly payment. I explained to XXXX also that COVID-19 economic hardships had hit my family hard and that I requested that they reclassify their reporting. XXXX refused and stated that I had to make a payment or the account will continue to show as past due and my credit score would continue to take hits. I had to make an initial payment to stop the bleeding and to bring the account up to date. 

The late payment report should have not been reported as a late payment. It should have been reported as an unpaid fee. During my telephone call with XXXX on XX/XX/2020, I tried to work the situation out explaining that they reported incorrectly. It wasn't a late payment is was a non-negotiated fee that XXXX tacked on because I didn't lease or purchase another XXXX. XXXX refused to reclassify their reporting, and now I have an 87point credit score decrease.