davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I do my banking at Bank of America ( BofA ). 
I have a credit card account and a checking account. I typically overpay my credit card account so as not to pay interest. Several times BofA has taken the overpayment from the account with NO notification. When I discover the loss of the overpayment funds, I call BofA and they inform me that a check is being processed and will take up to 3 weeks. In some instances 3 weeks pass, no check, and I call back to BofA and they say they will reissue the check, another 3 weeks. All this time BofA has my money.

I believe it to be improprieties and improper business practices ; 1- NO notification of removal of My money 2- Not transferring My money from the credit card account back in to my checking account ( would be virtually instantaneous ). 
XXXX taking My money before a check is cashed, even before it is processed. All standard practices are that money is NOT withdrawn from an account till the check is cashed. 
The current time this has happened to me was XX/XX/year>.
Consumer complaint received 2019-05-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PMAB,LLC (NC)

On XX/XX/XXXX of last year I was involved in a hit and run. Somebody hit our car from behind and sped off. I went to the hospital and everything that was done for me at the hospital was handled by my lawyers at XXXX XXXX XXXX in XXXX North Carolina. Their phone number is XXXX. My lawyer reached out almost a year ago and said they would take care of all the bills and to not send me to collections because they would be paid in full. According to my lawyer they were in compliance. I have taken very great care of my credit over the years reaching over an 800 at one point and I would not have let this gone to collections if I knew it wasnt going to be handled by the debt collectors. I  noticed I was sent to collections on Friday night because I am in very close contact with my XXXX XXXX  and I have reached out to my lawyers and they said it was just finalized and payments for doctors and bills were going out within the next week. I also havent received any paperwork I only know about the debt from the hospital calling me. My address is XXXX XXXX XXXX  XXXX XXXX NC XXXX I havent received anything saying I was being sent to collections other than knowing I owed money to my doctors but they have been talking to my lawyers the entire time. I dont understand why I was sent to collections when I was being told everything would be paid in full by my settlement. This is obviously a huge misunderstanding and I am taking a huge punishment with my credit score being attacked and dropping 60 points. Please help me resolve this. I was the victim in an accident and I dont want to be the victim in another case.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

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

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

15 U.S.C 1681 Section 604 A Section 2, states, a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-08
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. (CO)

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

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

15 U.S.C 1681 Section 604 A Section XXXX  : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX : Account # XXXX XXXX  XXXX : Account # XXXX XXXX XXXX : Account # XXXX Account # XXXX XXXX  : Account # XXXX XXXX OF XXXX : Account # XXXX XXXX : Account # XXXX XXXX : Account # XXXX XXXX XXXX : Account # XXXX
Consumer complaint received 2019-04-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (WA)

I am disputing the XX/XX/XXXX sale date while we are doing everything we can to supply a document for Shellpoints underwriters request given to me yesterday. I am requesting that the sale date be placed on hold until this last minute request can be provided to us by XXXX XXXX in order for Shellpoint to include the income from XXXX XXXX XXXX XXXX which is needed to qualify for a modification. I have submitted to Shellpoint the last mortgage statement I have received on this property but since it is not current I have worked with my attorney to request XXXX get this document to you as soon as possible. I was asked by Shellpoint representative to either provide this mortgage statement or submit an incomplete package which will lead to a denial, therefore, with both of these options being unacceptable I am disputing these unfair actions and asking for a fair review for a modification I know that I can qualify for given I have had 4 properties modified to date since my financial situation has improved. We are working diligently to provide this request to you. 

As per your most recent request today, Wednesday, XX/XX/XXXX given to me from Shellpoint Rep. XXXX at XXXX : 1. ) The following properties that were listed on my XXXX Taxes have been foreclosed on and are no longer in my name : XXXX XXXX XXXX XXXX XXXX XXXX 2. ) A current mortgage statement for 1 XXXX XXXX serviced by XXXX XXXX XXXX ( Property has been in litigation and I am represented by my attorney Mr. XXXX XXXX, ) in order for underwriters to include this income in their review, and thus qualify for a modification. 

I am working with my Attorney, to try once again to get a copy of a current mortgage statement from XXXX XXXX XXXX , XXXX Loan # XXXX  for 1 XXXX XXXX to fulfill yesterdays request. 
We have turned in the last statement for this property, which was provided to me from Shellpoint.  XXXX has admitted that since servicing my loan it has not ever provided a mortgage statement to date because it has been in litigation but is now working to expedite a copy for Shellpoints underwriters for their review. 
If you would like to call my attorneys office and put in your request as well, here is the contact number : XXX-XXX-XXXX I am doing everything I can to get you this information and am requesting the time necessary to produce this document as it is out of my hands. Please wait for this mortgage statement in order to use the income for this property in your review and cancel XX/XX/XXXX sale date. I demand a fair review for modification!
Consumer complaint received 2022-04-08
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. (RI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-09-08
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Adjusters, LLC (TX)

I have attached emails that I am receiving from National Credit Adjusters saying I got a payday loan in XX/XX/XXXX from XXXX XXXX. I was unemployed and could not have possibly done this as you have to show income. They also have my checking account number with NCSECU that I opened XX/XX/XXXX. 

I had a payday loan in XXXX with a company I believe was XXXX XXXX XXXX. This was paid using an account I had with XXXX at that time when I live in XXXX XXXX. 

I am now residing in XXXX as of XXXX, XXXX. 

As you will read, the emails are very threatening and the amounts I am being asked to pay are extremely high. I feel violated that this company is harrassing me and knows my checking account information. 

Do I have any rights and how do I stop them?
Consumer complaint received 2020-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (DC)

The complaint involves a consumer reporting agency ( CRA ) not following the guidelines for responding to a dispute set forth by the Fair Credit Reporting Act ( FCRA ). I have written to them three times about ( REMOVING ) a bankruptcy that is on my credit report. All three notices from ( Equifax Information Services ( XX/XX/20 ), XXXX  ( XX/XX/20 ), XXXX XXXX XXXX ( XX/XX/20 ) agencies wrote back saying it has been confirmed by a third party ( XXXX ). This, in itself, is in violation of the FCRA. Information is to be verified in person by a person working for the CRA 's.
Consumer complaint received 2020-03-08
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. (AR)

I received two letters From Equifax during the month of XX/XX/2020 which stated " We were unable to locate a credit file for one the following reasons, I do not have a current file, I have not applied credit recently, I have not actively used credit in the past ten years. It makes no sense and simply unacceptable when Equifax just responded to my recent dispute 2 weeks ago. This is nothing more than a simple stall tactic used by the automated data furnisher e-Oscar pacer system. Equifax has and CONTINUES to violate the Fair Credit Reporting Act Sections 605b,609, and 611.  Equifax has not provided accurate verification within the 30 day allotted time. Equifax has not issued a block after within 4 days of being notified by a consumer of the fraudulent accounts being reported due to identity theft in my identity theft report completed by the Federal Trade Commission. Equifax has a removed and account in error which was never requested to be disputed on my behalf.
Consumer complaint received 2020-03-08
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. (MD)

On XX/XX/2020, I went to XXXX XXXX  XXXX in hopes of purchasing a new car. I was told that I would get a monthly note at or around {$600.00}. This was before my credit was ran, but the salemans and his supervisor advised that no matter what I would get that note. 

After my credit was ran, I was advised that I would then have to pay at or around {$700.00}. I expressed my dissapointment because I had already advised that I was in process of getting a home. I went car shopping because my current car needed major repairs and I feared the repairs would not be worth the money. 

Also, I only agreed for two lenders to check my credit. To present, I have 7 hard inquiries that was by XXXX XXXX XXXX. They had no right to send my information to multiple sources.
Consumer complaint received 2020-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: REGIONS FINANCIAL CORPORATION (FL)

I have a problem with my Mother 's CD accounts, The Bank is not willing to correct the Interest amount when they matured, the amounts were XXXX XXXX XXXX XXXX, XXXX, Dates were XXXX and extend back to prior years the agency in question is Regions Bank, XXXX Florida on 9 mile rd the XXXX  XXXX  they present a CD rate of 2.15 percent but when it matured they paid 0.01 percent when I brought it to their attention they contend that I needed a Checking account to qualify for that rate. Well it was not brought to my attention that I Needed a Checking account. My mother is Very old and so am I with Serious XXXX  Issues and I know we were taken advantage of, I just want what is due it is Most of the Saving she has. 

I will upload the verifying Documents at a later time.
Consumer complaint received 2022-08-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PENNYMAC LOAN SERVICES, LLC. (MI)

Complaint and Demand for the Total Payoff signed by authorized officer from alleged owner of my alleged " debt '' On XX/XX/2022 someone filed electronically signed by XXXX XXXX ( likely a non-existing person ) acting as " PennyMac Priority Complaint Specialist, where he informed me that my alleged " loan '' was referred to foreclosure on XX/XX/2022. 

I did not received ANY 30-days Demand letters from anyone or ANY Notifications that my alleged " loan '' was referred to any foreclosures.

According To the contrary, I received 5 consequitive letters from real Servicer, XXXX XXXX XXXX who offered me modifications and directed me to send my payments to XXXXXXXX XXXX During all time in question all correspondence and letters were mailed to me by other parties, not PennyMac who renters their name to other undisclosed to me parties. 

Alleged " Notice of Default '' was mailed to me by XXXX ( owner of XXXX who forged fraudulent affidavit ) and XXXX XXXX XXXX, not by PennyMac or the alleged " owner '' XXXX XXXX. 

XXXX XXXX has no records of any PennyMac activities as someone claims. Yet, XXXX XXXX is as of today listed as Investor for my alleged " loan - while someone claims that PennyMac is an Investor. 

Foreclosures can be only ordered by the owner of my alleged obligation. As of today nobody provided any proof of ownerhsip or even existense of my alleged loan. 

Again, I never received any 30 Days Demand letter signed by a Responsible Employee of my alleged Creditor. 

I paid all my taxes and insurances while alleged " Servicer '' PennyMac '' did not even contacted me about it However, I found an alternative financing from a relative who wants to sell her property to help me to pay want tmy alleged " obligation '' in full. 

I want to pay my alleged obligation in full and demand PennyMac to provide me a total payoff statement, signed by an authorized individual officer who is responsible for administration of my alleged loan, accompanies by a certified copy of my accounting ledger signed by the accountant who maintains it and make me an appointment with PennyMac 's responsible employee where I can deliver my payment, in certified funds, and pesonally handle it to PennyMac 's financial officer who will provide me a certified by the owner of my alleged obligation release of this alleged lien.
Consumer complaint received 2019-04-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Insight Financial Services LLC (MI)

On XX/XX/2018, my husband and I closed on a refinance loan with XXXX XXXX, from Insight Loans. The objective was to get the PMI off and get some money back for home improvements. 
The understanding and agreement that I had with the broker was that I would get {$8500.00} cash back at closing and my interest rate would be similar. The closing documents were sent but the broker never mentioned that it would cost us more than {$5900.00} to get the interest rate that he had indicated that we would get. He even admitted to me that he wasnt feeling well and did not even look at them before sending them. The closing document fees indicated TO SELLER but in two different boxes.The broker never mentioned a {$6000.00} fee, or that my cash back would change. When I questioned him about the interest, he said that it would be lower. I did not know that I had to paid this fee until the check came, and I was no longer able to rescind the loan. When I contacted the broker about the discrepancy, he ignored me for over a week. He also offered to pay me off until I was happy to avoid a complaint. He also sent me a {$50.00} gift card the last time I closed on a loan with him, for a five star review. During this issue, he also indicated that he had contacted the mortgage company to try and get me a lender credit but when I contacted them, they didnt know what I was talking about. The fee was indicated in the documents but it was never mentioned to me until afterwards. My understanding was that o was getting the {$8500.00} we agreed upon.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

PLEASE REMOVE ALL ACCOUNT. MY INFORMATION WAS EXPOSED DURING DATA BREACH. THE FOLLOWING ACCOUNTS ARE FRAUDULENT, THE FOLLOWING ARE UNAUTHORIZED. 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 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 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
Consumer complaint received 2019-04-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Creditor's Collection Service, Inc. (VA)

In XX/XX/2018, I had a procedure performed at XXXX XXXX XXXX. Subsequent to that procedure, I received thousand 's of dollars in medical bills. If the bills appeared to be correctly allocated and consistent, then I paid them. THOUSANDS of dollars of bills that I paid timely. 

There were a small subset of bills that I received monthly with varying amounts. XXXX could not identify how much I owed for these activities. Every month was a different amount. 

Please keep in mind I had already paid XXXX and my doctors THOUSANDS of dollars. In the Fall of 2018, I decide, " No more! I will not blindly pay these bills. XXXX needs to figure out precisely how much I owe. '' So I called XXXX, and they told me their billing system had recently changed and that they would straighten out the billing issue. I never received a call back or a corrected consolidated statement ... 

Instead, XXXX sent all of the bills with differing amounts ( {$59.00}, {$84.00}, {$130.00} ) to Creditors Collection Service. 

Now, Creditors Collection Service is sending monthly delinquency notices to XXXX, XXXX, and XXXX  that I am delinquent ... I am only delinquent because XXXX, and subsequently Creditors Collection Service, does not know how much I actually owe!!! 
- XXXX has been removing the delinquency notices from my credit report at my request ; however, Creditors Collection Service is adding new notices every week. 
- XXXX deferred to Creditors Collection Service and did not remove the deliquency. 
XXXX XXXX decision is pending. 

I am sorry if I sound frustrated. It's because I am. Please keep in mind that I have already paid XXXX XXXX THOUSANDS of dollars. I am fighting over the {$59.00}, {$84.00}, and {$130.00} out of principle. These companies should not be allowed to just make-up numbers and instead of rectifying their own inadequacies in their billing system. 

Please, PLEASE, help me get these delinquencies removed from my credit reports at XXXX, XXXX, and XXXX. And please punish XXXX XXXX XXXX and Creditors Collection Services for their inadequate billing processes.
Consumer complaint received 2020-03-07
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. (OH)

Recently while conducting a monitor of my credit report I discovered some items that have unverifiedinformation. I believe under the Fair Debt CollectionsPractices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to use myinformation toathirdparty for the following accounts : 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 Please provide breakdown of fees including any collection costs and charges 2.Provide a copy of my signature with the provider of service to release my informationto you. 
3.Cease any credit bureau reporting until debt has been validated by me.

4.Please send this information to my address listed above and accept this formal complaint asmy formal debt validation request, which I am allowed under the FDCPA. Please note that the falsification of the information you received from any provider can be perceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seek damagesfrom a collection agency.