davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/2020, I attempted to make a cash deposit of {$300.00} at an ATM at Bank of America ( BoA ) XXXX XXXX XXXX XXXX, XXXX, MD. 

The ATM miss fed the deposit causing the bills to be jammed in the machine and irretrievable. I called the 800 number on the ATM regarding technical issues, explained my problem and asked if a representative from bank can come assist. 

I was told by the Call Center representative for BoA not to worry, a credit would post to my account and claim process would be initiated. 

I informed the rep, some of the are " hanging out of the machine '' and someone will come along with a tool and pry them out. I took a photo ( See attached ). A credit of {$300.00} was placed in my checking account within an hour. 

I received two letters from BoA. The first dated XX/XX/2020, stating a temporary credit was place on my account. The second dated XX/XX/2020 stating " we didn't locate any cash for this transaction ... the temporary credit will be debits from my account.. '' As a result I am going to lose the {$300.00} their ATM destroyed because they failed to send a representative from inside the building out to address this issue on the spot. 

I contacted the number provided on latest letter and asked for copies of documents used in there research on this claim including the call log of my conversation with their representative. 

I was told by CSR, that I need a court order to received those documents which seems counter to both their " We are here to help '' segment of the second letter and in violation of 12 CFR Part 1005 ( Reg. E ) Subsection 1005.11 Procedures for resolving errors.
Consumer complaint received 2022-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (MN)

I XX/XX/2022, I was made aware that a collections account was on my credit report when I applied for a mortgage. Upon further investigation it was discovered that someone had stolen my identity and opened a cable company account under my name in Connecticut. I have never lived in Connecticut. I called Sunrise Credit services and they referred me to XXXX cable company. I submitted a complain with the cable company, they conducted an investigation and they concluded the account was a result of identity theft. I placed a dispute with all 3 credit reporting agencies, 2 of them removed the item from my credit reports. I filed a report with the Federal Trade Commission as a result of the identity theft and submitted that, along with a letter from the cable company stating that the account was indeed fraudulent. Unfortunately Sunrise refuses to remove the item from my credit report after multiple attempts from me. I have the identify theft report, a letter from the cable company and multiple disputes with XXXX credit. Sunrise refuses to acknowledge the fraud and have it removed from my credit report despite both the cable company and the credit reporting agency sending them requests.
Consumer complaint received 2023-01-30
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The Experian credit bureaus is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$1900.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$110.00}, XXXX XXXX XXXXXXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2020-07-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (MI)

Ally Financial XXXX XXXX XXXX I have previously complained about Ally Financial in regards to this Vehicle. 
1 vehicle was in XXXX, Paid in XX/XX/XXXX by insurance company had a balance of {$440.00}. paid this XX/XX/XXXX they now say on my credit report that I was late in XXXX of XXXX and XXXX of XXXX and that car was paid in XXXX XXXX but Ally has it as a closed account and not as paid as agreed or paid in full. since they closed my account my credit score dropped 26 points. I believe that if the show on time payment for XXXX and XXXX and show that car was paid in full my credit score would be better to get a lower interest rate on another vehicle. this does not reflect only my self but I was to be the cosigner and not the account holder as I was helping my son to improve his credit.. previous complaint number XXXX
Consumer complaint received 2022-12-08
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: Experian Information Solutions Inc. (MS)

I called, I emailed the CEO, I wrote goodwill letters and more. I respectfully requested a goodwill adjustment to remove the late payments ( XXXX, 2019 and XXXX, 2019 ) from my file with all three reporting agencies. I also told them it's illegal because of 15 U.S. Code 1666b - Timing of payments and 15 U.S.C. 6802 plus 15 U.S. Code 1681a, ( 2 ) Exclusions ( i ). They still haven't fixed it.
Consumer complaint received 2021-03-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Control, LLC (MA)

I had to pay XXXX College the remaining balance on my bill of XXXX in XX/XX/2020. I agreed to pay as long as they would remove it. They said they would. I ended up paying off the collection but now both the debt collection agency and the school have refused to have it removed. Its like I did what I was asked to do now they are refusing to remove it and refusing to respond to me.
Consumer complaint received 2020-07-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I had a WalMart credit card. I had it set up on automatic payments and never missed any. I was working as a XXXX XXXX for a couple of years. The card was sold to XXXX and they took me off auto payments. I called them repeatedly to try to arrange for auto pay again but they kept telling me to call back. They kept telling me to check my mail but I was working on the road. They billed me excessively for " missed '' payments in spite of my repeated efforts to pay my bill and reinstitute auto pay. This has damaged my credit.
Consumer complaint received 2020-05-07
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TIDEWATER FINANCE COMPANY, INC. (FL)

I recently, XX/XX/2020, missed a {$75.00} payment to tidewater finance company, they called and I told them I was temporary out of work because of the Covid-19 restrictions and that I applied for unemployment insurance I was told I would receive payment in 4 to 6 weeks and would pay a double payment on XX/XX/XXXX, of course they said there would be late fees and I informed them that no other agency was charging any late fees and that was unamerican. They have called me three times since them, on XXXX they called again and I spoke to the supervisor again, but she told me that by XXXX XXXX st it would be to late to make a payment it will go to collections.
Consumer complaint received 2021-09-07
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: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/2021, I reviewed my XXXX  credit report and compared it with XXXX  and XXXX. I noticed that XXXX  was not reporting my Navy Federal Credit Card beginning with # XXXX. On XX/XX/2021, I called and spoke with XXXX at XXXX  who confirmed that this account was deleted in response to my dispute Report Number XXXX. I explained to XXXX that I opened the dispute due to inaccurate credit amount showing on my credit report. XXXX stated that the account was deleted rather than the CREDIT AMOUNT increasing. XXXX hung up on me. I called again and spoke to XXXX of XXXX. He confirmed that the account was deleted rather than the Credit Amount increased to {$2000.00} from {$1000.00}. XXXX advised that Navy Federal told them to remove the account from my file. XXXX  stated that they can't do nothing about. XXXX  disputed this matter incorrectly as evidenced by XXXX  and XXXX  are reporting my Navy Federal Credit Card accurately.
Consumer complaint received 2021-09-07
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. (PA)

In XX/XX/XXXX I received student loan forgiveness through a program, this account was opened in XXXX, it was a XXXX XXXX class at XXXX XXXX XXXX. It was with XXXX & was broken down into 4 accounts 1 ) {$3500.00} 2 ) {$1800.00} 3 ) {$2500.00} 4 ) {$6000.00}. These were taken off of all my credit reports after my final loan forgiveness payment. Somehow the same month a new student loan was added to my XXXX XXXX XXXX ACCOUNT with I have no knowledge of. XX/XX/XXXX an account with the US DEPT OF EDXXXX XXXX  was opened which I have no knowledge of. I was currently working during this time of my life and I definetly was not in school. Ive called this company numerous time to get this taken care of and disputed and have not gotten any where. a representative couldnt even tell me what school the loan was for. This loan is broken down into 2 account 1 ) {$10000.00} 2 ) {$5900.00}. The weird thing is it keeps updating saying im making payments on this account and I have no idea what this is. I would like this taken care of and removed from my account because it is hurting my credit. All I can think of is that this is a case of identity theft somehow. A representative once told me it looks like they removed my XXXX  accounts and then reposted them as us dept of ed ones. Im not sure whats going on but I did not attend any school whatsoever in XXXX. I was working at a XXXX.
Consumer complaint received 2020-07-06
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: Experian Information Solutions Inc. (NY)

I am submitting this complaint about XXXX XXXX/XXXX XXXX. This account was not reporting to the 3 major credit reporting agency 's. I spoke with customer service last week and was told they will report this account to the credit beauors. Today XX/XX/2020 I received an alert on XXXX XXXX that the XXXX XXXX account was removed from my report. I don't understand this as the account was never reporting. My score also dropped 4 points due to this. I am requesting that syncrony bank please report this account that has a {$4800.00} credit limit and the account is paid in full with a XXXX balance. Never late. Having this excellent amount of credit available plus paid in full will help my credit score increase.
Consumer complaint received 2020-05-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RevMD Partners, LLC. (SC)

Your fields do not have enough options to adequately start this process. 
RevMD Partners has been showing a {$200.00} debt with high impact on my credit report. I sent them a check for {$200.00} on XX/XX/2020. It cleared my bank account on XX/XX/2020. It is not showing paid on my credit report. Calls are met with a generic answering message.
Consumer complaint received 2023-01-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The Experian and XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Date Opened XX/XX/2017 Balance {$2500.00}
Consumer complaint received 2023-01-30
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. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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 : {$0.00}.
Consumer complaint received 2022-06-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Selene Holdings LLC (CA)

My loan was purchased from XXXX by Selene Finance in XXXX 2022. Since then my statement numbers keep changing by unusual amounts. Now that I'm selling, I called to straighten out the final payout numbers and have been given the runaround. First, I was promised a call back on XXXX at XXXX by XXXX XXXX ( sp ) to get to the bottom of things. Never happened. Spoke to someone else after who said that her supervisor was contacting Mr. XXXX to then get a hold of me. Never happened. Then on XXXX I was on a conference call with the Title company and XXXX  at Selene to get the final payout etc finished. After a 45 min call which was mostly being on hold and hearing a racially upsetting comment, nothing was resolved other than XXXX  saying that someone would look into it. I was then passed to her supervisor, XXXX XXXX, who proceeded to then speak down to me and then speak over me, intentionally not giving me a chance to speak. Finally after several minutes of this, my frustration, unfortunately, got the better of me and I swore and then he hung up. 

I find it strange that numbers don't add up, they won't explain it, and that once I called them out on this ... my loan was sold to another company. Games and dirty business.
Consumer complaint received 2023-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (FL)

I am writing to address an urgent matter regarding the recent payment I made to settle the collection account on my credit report. Despite fulfilling my part of the agreement by promptly paying the balance due, I have discovered that the collection item has not been removed from my credit report as promised. 
To provide you with a brief overview of the situation, I recently reported pro collect to CFPB and was informed by them " The consumer was sent to collections on XX/XX/2022 from XXXX XXXX XXXX. The balance due is {$100.00}. The consumer was mailed a letter notifying the consumer of the debt due. The consumer 's dispute was reported and proof of debt will be mailed to the consumers mailing address. As a solution the consumer may call the office at XXXX ext. XXXX XXXX XXXX to pay the bill. As a courtesy Procollect will extend a courtesy deletion. Within 24-48 hours Procollect will furnish a paid in full letter via email or fax. Thank you for your time and patience in this matter '' We agreed on a resolution where I would make a payment and Procollect would extend a courtesy deletion, effectively removing the collection entry from my credit report. 

I made the payment in full, as per our agreement. However, I have since reviewed my credit report and found that the collection item is still listed, negatively impacting my credit score and financial standing. This discrepancy is causing me significant distress and concern, as I have taken proactive steps to address this matter in good faith. 
I kindly request your immediate attention to rectify this situation. As agreed, I expect Procollect to honor its commitment and promptly remove the collection item from my credit report. Additionally, I would appreciate receiving a paid in full letter via email or fax, as previously mentioned in our communication. 
Please understand that this issue is of utmost importance to me, and I expect a prompt and satisfactory resolution. I am confident that we can find a suitable resolution to this matter. 
I eagerly await your response and a prompt resolution to this issue. Thank you for your attention to this urgent matter.