davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America ATM machine in XXXX, MA kept {$2500.00} of my {$2800.00} cash deposit on XX/XX/2021. The machine printed a notice with a phone number to call because there was a problem with the deposit. I immediately called the number and placed a claim. BOA issued me a credit for {$2500.00} and I was ok with that. Today, XX/XX/2021, I received a notice from BOA stating that there was no extra money on the ATM machine that day and therefore they are reversing the credit. I called BOA and was told they would review the ATM video and that I should call them back in two days. Other customers were having issues that day with both of the ATM at the XXXX BOA XXXX XXXX Branch. I myself had to switch back and forth from each machines and kept trying to insert the money in because the machines kept returning the bills. My claim number with BOA for this transaction is XXXX. I made that deposit for sure. There is no question about it. There is no way that the machine did not have extra money in it. I make regular monthly cash deposits at BOA. Please direct me on how to get some help resolving this issue. Thank you for your help!
Consumer complaint received 2021-05-04
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: EQUIFAX, INC. (AL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (TX)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Sincerely, Credence did not send me anything thereof with my signature therefore I asked that this debt be ruled not valid.
Consumer complaint received 2021-05-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NJ)

Good Afternoon, It is about PHH Mortgage, I have more than one year and 6 months to try to do a modification. From that time to now always i call once a week to the company plus I have appointment with the case manager. All the time PHH mortgage ask me for send papers. I did and expend a lot of money sent papers via fax because when I sent for email always told me the wasn't clear. Each time the I call the company XXXX every person says something different. For example, last XXXX  XX/XX/XXXX, I called and the person told me the my papers are completed and is in review, Today XXXX XXXX, I called again and then told me the my application is canceled because my application is not ready. Please, I hope to check my problem, If i lost my house is not for me it is for PHH mortgage the I think they want to me to loose my house and is my only place the i have. 
Thank you, I hope you can do something about this case.
Consumer complaint received 2021-03-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I opened a Bank of America XXXX XXXX account before the coronavirus pandemic and everything was fine in my account but I lost a lot of income and I find that this bank is taking advantage of a XXXX XXXX that struggling they are holding my checks for longer periods and leadtimes causing me extreme overdraft fees and refused to help me or give me any of my money back they said I already got three fees back but that was due to unknown charges when I first opened my account it has nothing to do with the pandemic or my struggling to pay my bills. I called them multiple times and asked them to escalate my situation but they refused to help me and keep giving me the runaround. They have no compassion and even if the check is a Bank of America check they hold it for extra long times and they said its because of my balance and they can change the whole time anytime they want I have incurred so many fees due to the pandemic and they refused to help me either Im so upset and I dont know what to do I can not get ahead with all of the fees that they put in my account I deposited a {$8000.00} check that I needed to pay my rent and my bills for my XXXX and theyve already taken money for fees while holding the check I need someone to help me and speak for me as a XXXX XXXX XXXX. All I want is al the fees back but they will not be work with me at all even though I told them I am struggling from no fault of my own.
Consumer complaint received 2021-03-30
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. (GA)

After submitting my complaint I was told that the " complaint did not appear to be submitted by me ''. I called the CFPB to confirm that I did in fact submit the complaint and was told to upload a copy of my credit reports showing the violation on XXXX, XXXX, and Transunion. There is no option for me to upload this to the existing complaint. 

This, AGAIN, as previously stated numerous times is in violation of my right to privacy under the FCRA. I want this removed from my credit file immediately. 

My full name is XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA. XXXX My phone number is ( XXXX ) XXXX-XXXX This is the information you have requested from me so I'm providing it to you again.
Consumer complaint received 2021-03-30
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. (MS)

I sent in a letter on XX/XX/XXXX after pulling my credit report about variations to my name that ARE NOT my name and addresses that are attached to my credit file along with numbers I have never seen or used. 

On XX/XX/XXXX Experian has come back to say that they are verified or have updated the information without verification or giving me verification. I find it interesting that on yesterday I spoke to a representative after several of my certified letters hit their bureau investigation status on or about XX/XX/XXXX and have come back verified with the same information being out dated that I disputed or updated magically. 

I would like to know how they are verifying my information and it is still incorrect and not giving me anything more than an update. Keep in mind I submitted my factual evidence that the information is incorrect and it is STILL incorrect but VERIFIED. This is continuing to damage my credit file I have proof that this is not the FIRST, SECOND OR THIRD time they have sent me letters saying the information is verified in the past 12 months when clearly I know the laws and that they are not upholding my rights to have a accurate and fair credit depiction of my credit file. 

I have included an example of the issues with their VERIFICATION. 

I have had my identity compromised in XXXX by an employer and XXXX my wallet was stolen with SS Card and information that was sold on the web for scammers to use. I take my credit profile serious.
Consumer complaint received 2021-03-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (FL)

My complaint is against PayPal. 

They have permanently closed my two PayPal accounts on XXXX-XXXX  on XX/XX/XXXX ( reference ID : XXXX ) and are holding {$4700.00} and {$2700.00} for over 180 days. On multiple occasions, customer service assured me that the money would be released after 180 days. Not only did they not release the money after 180 days, the transaction page indicates that both accounts had the money transferred to PayPal account, without notification. The first transfer was made on XX/XX/XXXX ( transaction ID : XXXX ). The transaction on the second account was made on XX/XX/XXXX ( transaction ID : XXXX ). Both transfers were due to " PayPal 's damage caused by Acceptable Use Policy violation ''. There was a prior notification stating that I would receive an email on how to access my funds after 180 days. The email was never sent to me and both my accounts indicate a balance of {$0.00}. 

Thank you, XXXX XXXX. 

Please see below : You can't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. 

Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive money. Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. 

Reference ID : XXXX
Consumer complaint received 2021-03-30
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Credit Systems,Inc. (FL)

I contacted original Creditor and I got the paperwork corrected 2018 now new creditor threaten to take me to court and sue me for everything I got and that I can put my vehicle up for payment and that they can take my stimulus checks.
Consumer complaint received 2018-10-23
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. (MN)

Hard inquiries by XXXX XXXX on XX/XX/2017 listed on my credit report and my wife 's credit report. We have no recollection of giving permission for these inquiries.
Consumer complaint received 2022-09-20
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. (CO)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-03-30
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. (OH)

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX DOB XXXX SS XXXX. I had some issues with my income being effected by the COVID-19 PANDEMIC SHUTDOWN. I was under the 1 CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care protect the integrity of my credit file. 
XXXX XXXX # XXXX account is reporting a 30 late payment after I requested assistances due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process
Consumer complaint received 2021-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (OR)

In XX/XX/XXXX I had phone service with XXXX XXXX. I had my bluetooth left open and my data was charged for excessive charges. The account was closed and a debt buyer bought the account named XXXX XXXX XXXX. 
I still have XXXX XXXX as my carrier. Always have. I tried to dispute this debt with XXXX XXXX XXXX but they bought this debt in XX/XX/XXXX and refuse to acknowledge its past 6 years from when account was last charged or recieved any payments. They are wrongfully reporting this on my credit.
Consumer complaint received 2021-03-30
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I disputed a late payment on my Credit report as inaccurate for my Kohls Charge # XXXX card a 30 day late for XX/XX/XXXX and a 60 day late for XX/XX/XXXX. And as how could this be factual when the montths XXXX- XXXX and XXXXand XXXX shows ok. XXXX  results were that they verified this as accurate, I spoke to Kohls as well 0n XX/XX/XXXX and they said that their system only goes back that far for payment history so how did XXXX  verufy this information when. The creditor Kohls cant even see it in their own system. 
# XXXX
Consumer complaint received 2021-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling & Associates, LLC (LA)

There's a XXXX charge cass number XXXX it's supposed to be closed and it got dropped you still are active I shouldn't have no active cases. 
And I know live back in XXXX Louisiana the address is XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (TX)

Opened a Small Business Checking account. 
Did an ACH deposit for the opening. 
Trying to deposit a check, using mobile, and there is a limit of {$500.00} a day on deposits. The option the company gives, is to visit a branch. The nearest branch is XXXX1000 miles away. 

https : //answers.usbank.com/answers/s/article/What-if-my-check-exceeds-my-mobile-deposit-limit-and-theres-no-branches-in-my-state As you can see, since I don't have an ATM or Branch within 1000 miles, and it is a business account, there is no way to deposit money. The website says they can only accept mailin checks for personal accounts.
Consumer complaint received 2021-11-16
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. (TX)

I did reach out to XXXX XXXX several years back However since I started disputing the error with all three credit bureaus now the issue has because worse. I did not open nor request for a XXXX XXXX credit card. My next step is to file a law suit. I made several attempts.XXXX XXXX is being Negligent on this matter. 
It has paid {$180.00} XXXX in fines for unethical sales practices that included opening around XXXX XXXX fake accounts without customer authorization. ... An investigation by the bank 's own board in XXXX blamed top management for creating an " aggressive sales culture '' that led to the phony accounts.XXXX XXXX XXXX
Consumer complaint received 2021-03-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NJ)

Im Writing to you today in shock due to The fact that after reviewing my credit file, I found several errors you are reporting witch are hurting my good name. I expect you to listen to my instructions and get this taken care of swiftly. 

XX/XX/2021 Accounts are being reported with one Bureau and not the other two under date last active. If this is the same account being reported by the same creditor why is the information missing?
Consumer complaint received 2021-03-30
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: CAPITAL ONE FINANCIAL CORPORATION (NH)

I had received only one phone call that I had a debt to be paid on my credit card. I 100 % understand a balance is owed.. but to affect my credit as much in the time of alll thats going on in the world is absolutely insane. I was told I would have time to make a payment before it was placed as derogatory or in collections and that clearly never happens.
Consumer complaint received 2021-03-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: WAKEFIELD & ASSOCIATES, INC. (IL)

I, XXXX XXXX, am a consumer of the United States and anything purchased with my credit card remains the obligation of the United States pursuant 15 USC 1601. I the consumer never gave Wakefield and associates any written consent to report anything on my consumer report which is a direct violation 15 USC 1601B ( 2 ). I never signed a contract or entered a credit transaction with Wakefield and associates. Wakefield and associates has used abusive practices violating my privacy pursuant 15 USC 1692 ( A ). I never gave Wakefield and associates ( third party debt collector ) consent to obtain any of my information. Pursuant 15 USC 1692 ( B ), a debt collector can not state this is an attempt to collect a debt. Wakefield and associates has violated 15 USC 1692 ( C ) 1 by mailing my home between XXXX at an inconvenient time without my consumer consent. Wakefield and associates has abused me by harming my consumer reputation, poorly affecting my credit score and worthiness and harming my chances of purchasing a home. Pursuant FCRA 15 USC 1681A ( 2 ). Wakefield and associates used profane language in their letter sent to my home pursuant 15 USC 1692D ( 2 ). Wakefield and associates repeatedly knowingly and willingly violated my consumer rights protected by FDCPA and FCRA. You will be held criminally liable pursuant 15 USC1640 and civically liable for all violations of 15 USC 1692K.

Attached to this letter labeled is Exhibit A and Exhibit B shows proof of these violations.

Also is attached an invoice for violating my federally protected consumer rights which is to be paid by check. Also as remedy, I demand this account to be immediately removed from all my consumer reports, from all consumer reporting agencies, and to be zeroed out immediately!
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am disputing and challenging the debt XXXX XXXX XXXX  says I owe. 
The info being reported is incorrect and its inaccurate.I would like them to verify the correct date the credit was issued.When was the account established.I dont remember this account.I am requesting a copy of my original credit application.I want a copy of every statement for every month the account was open.I dont know if this is my account.Please produce evidence that the account is mines.Again I want a copy of the original credit application and I want a copy of every statement for the life of the account.If you cant send me statements for the life of the account.It is grave violation of the FCRA.Its a violation because you refuse to produce documentation to really verifies the debt is mines.If the account isnt property verified through statements.Then remove it from all XXXX credit bureaus immediately.If its not removed its a clear violation of FCRA.I am giving you 75 days to produce statements.After 75 days.Again I am giving you 75 days from reciept of this complaint.This debt being reported to my credit report hasnt been properly I will be filing a federal lawsuit.If this incorrect and inaccurate infomation is not removed from credit.I will also be filing a lawsuit aganist XXXX XXXX XXXX  and the credit bureaus.If they dont produce statements for the time the account was open.I dont want the itemized detailed statement.I want all of the statement.If I have to file a lawsuit.Due to the FCRA violation. I will get a federal subpeona to get all statements and the original credit application.I want every document and statement for the history of the account.You must prove and produced evidence that this account is mine Just to let you know.I am a law student.
Consumer complaint received 2021-03-30
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. (CA)

I XXXX XXXX XXXX entered a consumer credit transaction with XXXX XXXX XXXX on XX/XX/2017, due to this being a consumer credit transaction a finance charge was involved, 15 US code 1605 the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. So there shouldn't be any late payments due this being a finance charge because it was the SUM OF ALL CHARGES paid indirectly by my credit card.