davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

After my last complaint they let me change my login. I wrote it down and it worked. Tried again and it is locked AGAIN.They are so CORRUPT. They allowed companies I never heard of report items XXXX yrs old, they do not recognize new login they had me create and continue to allow access to my info from companies I never heard of.
Consumer complaint received 2024-10-01
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WI)

I resided at XXXX XXXX XXXX under a lease agreement, which I fulfilled by paying rent including the last month of XX/XX/year>. I notified the apartment management in writing on XX/XX/year> that I would be moving out by XX/XX/year>. I left the apartment in clean and undamaged condition. However, the apartment management has claimed I owe additional charges, including rent for XXXX and cleaning fees. They have provided no proof to support these claims. 

I asked the debt collection agency, Columbia Debt Recovery LLC DBA Genesis, to provide specific evidence supporting the alleged debt. I requested a detailed breakdown of the charges, including : Agreement with the creditor that grants the agency the authority to collect this debt. 
Any agreement signed by me showing my obligation to pay these additional charges. 
Proof that the apartment was left in a damaged or unclean state, as claimed by the creditor. 
A complete accounting of the alleged debt, including the origin and dates of any additional charges. 
Despite my requests, Genesis has failed to provide any of the requested documentation or proof of the alleged debt. Instead, they have continued reporting this debt to the credit bureaus, causing ongoing damage to my credit score, and they are adding interest to the debt each month. 

I have already paid all rent, including XX/XX/year>, and I provided proof of payment. The apartment management took {$500.00} from my deposit without justification, and I have received no evidence of any damages to the property. Their claims that I owe additional amounts are baseless, and this debt is unverified. I request that this debt be removed from my credit report and that all collection activities cease immediately.
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Initiated contact with Bank of America ( BOA ) on XXXX XXXX regarding 5 ATM transactions and 5 teller withdrawals that were made on my checking account in the state of New York. My account is in Missouri. The total amount of these transactions plus fees is {$29000.00}. From discussion with the Bank of America fraud department it appears someone was able to log into my account and request an address change and ordered a new ATM card. They used the new ATM card to withdraw funds from different ATMs and Bank branches. These transactions occurred between XX/XX/XXXX and XX/XX/year>. BOA fraud department personnel told me two separate fraud reports would be filed. One for the ATM transactions ( 5 for a total of XXXX ) and a second one for the teller transactions ( XXXX for a total of {$28000.00} ). I also filed a police report with the local police department where I reside. I would like a copy of the fraud reports indicating what action BOA intend to take to resolve this fraud.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (FL)

On XX/XX/year> One Main Financial completed inquiries on my credit profile, I did not authorize them nor provided anyone with permission to authorize them use of my information, I made contact with the company and XXXX to remove these inquiries and all attempts failed.
Consumer complaint received 2017-11-14
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account information incorrect
Company: Sarma (NC)

I have a charge off on my credit report from XXXX XXXX XXXX XXXX FOR XXXX . I  have paid off through sarma online on XXXX XXXX,2017. I have called sarma and they state account with XXXX XXXX XXXX XXXX will be updated the XX/XX/XXXX, was not done. I called sarma again and they stated they will email XXXX XXXX letting them know I have paid off, called XXXX XXXX and they stated they are still waiting on Sarma. I am in the middle of purchasing a house and I am getting no where with these two companies. I have even faxed the receipt over to XXXX XXXX XXXX XXXX showing I have paid and still no updates on my account nor credit report. Last option.
Consumer complaint received 2017-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

i deposited a check I received with USAA FSB. Days later, the check was fraudulently cashed a second time, so the deposit was reversed from my account. I contacted the issuing bank, XXXXXXXX XXXX, and they requested that I contact USAA bank to initiate a fraud claim, but USAA FSB claims they have no process or interest in processing a claim, so I am left with {$420.00} fraudulently being taken from my account and USAA FSB refusing to help.
Consumer complaint received 2017-11-14
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: Experian Information Solutions Inc. (MD)

I have been dealing with Experian since XX/XX/XXXX in regards to removing unverified information on my credit report. The last round of letters went out on XX/XX/XXXX asking then to remove inaccurate information in which Experian came back and said the information was correct and verified. Well I took it upon myself to write to the Pennsylvania and Maryland Bankruptcy court on XX/XX/XXXX asking if Experian and all other Credit Bureau 's have notified them to verify my information that is on my credit report. On XX/XX/XXXX I received a letter back from the PA Bankruptcy court stating that they DO NOT verify information. I sent this letter to Experian and to the additional credit bureau 's asking them to remove the information off of my credit report. Experian sends me a letter stating that the information has been verified by a 3RD Party vendor ( in which is not accurate ) but the Bankruptcy states that they DO NOT verify information. EXPERIAN never verified the information and/or sent me documentation on how they verified the information that they put on my credit report.
Consumer complaint received 2017-11-29
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: SYNCHRONY FINANCIAL (MO)

I have tried to have these removed from my credit as I never spoke to this company nor authorized them to place a inquiry on my credit, I have sent them several letters and yet they still fail to remove them or show me proof of me asking or authorizing them to run my credit!
Consumer complaint received 2017-11-29
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: ALLY FINANCIAL INC. (MO)

I have tried to have these removed from my credit as I never spoke to this company nor authorized them to place a inquiry on my credit, I have sent them several letters and yet they still fail to remove them or show me proof of me asking or authorizing them to run my credit!
Consumer complaint received 2017-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (FL)

I contacted my mortgage servicer to set up bi-weekly payments, which as you know can save a lot of interest over the life of the loan. They refused to do so. They will only take full monthly payments and additional principal payments. This is HORRIBLY unfair to consumers. 

Mortgage Servicer : Dovenmuehle Mortgage Mail Stop XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2017-11-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

Bank of America placed my checking account in their account closure department and is holding my direct deposit from my employer. Each day that I call them there is a different timeline on when I will receive my funds. The risk department account team is rude, talk very fast and constantly change their responses depending on what questions may be asked. The responses and timelines are inconsistent depending on their mood and the day you call. They sound extremely stressed out. Yesterday, I was told to call back after my account and direct deposit were processed. Today I was told 2-3 business days I may be able to go into a branch and receive my funds. The key word is may. Bank of America will not set a definite date. Otherwise I can wait until after the account receives a closure date. and wait an additional 15 days to receive a cashiers check in the mail. On Friday - 4 business days ago I was told by customer service - good luck to you. Once the account is placed into the account closure department apparently it is up for review to receive an acutual account closure date. I would not recommend doing business with Bank of America. They are holding my direct deposit from my employers funds until further notice. When I asked if today, the day my request for my funds was made official on their end is 2-3 business days the representative quickly said, today does not count for a business day since the request was just made. She then Quickly threatened me and said do you want me to submit this request or would you prefer to wait and receive a cashiers check in 15 days after the account closure? I have never been treated so poorly by a company. I am hoping the CFPB can help me resolve this issue. Bank of Americas process of closing accounts is unfair and accounts that have large sums of money ( over XXXX ) should be handled differently.
Consumer complaint received 2017-08-01
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC (WY)

Contacted Champion Mortage about closing and payoff for home as of XX/XX/XXXX. I have not received any information from then to this date.We need to sell this house because no longer residing there. Champion Mortage seem to be blowing us off with the final pay off.
Consumer complaint received 2017-11-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

XXXX XXXX XXXX XXXX, 2017 Fifth Third Bank Office of the President XXXX XXXX XXXX XXXX. XXXX XXXX, MI XXXX This is a letter I sent to Fifth Third Bank requesting a correction to a mistake their employee made and asking for the mistake to be corrected. 
Dear XXXX, I am writing with disappointment to your response, and to request your assistance once again. My former wife and I had a property financed through the XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX MI. XXXX. Unfortunately, my former wife and I dissolved the marriage, In doing so, there was an excess of close to {$3900.00} in the escrow account attached to this mortgage. After reading your response, it saddened me that your bank would not stand behind their mistakes. In regards to the check made out for {$3900.00} to XXXX XXXX XXXX, XXXX XXXX XXXX, the problem is, Fifth Third Bank cashed this check with only one of two signatures that were required, we are divorced, and there is a strained relationship between the two of us, so collecting this money by me to correct your banks mistake form my former wife is not an option, and half of this money she was not entitled too. Fifth Third Bank has an obligation to return the money to me, seeing that XXXX has no claim to my half of the escrow. The mortgage officer made the check out to XXXX XXXX, XXXX XXXX XXXX. This check was signed by XXXX, and applied to her new escrow account. I have spoken to the office of Comptroller of the Currency, The Department of Finance that regulates banks, as well as the Consumer Finance. And am awaiting on a complaint form to begin action through them to try to resolve this issue. I was told based on my verbal complaint that there is a claim against both Fifth Third Bank as well as XXXX XXXX XXXX XXXX. If this letter is not going to generate the remedy that I seek, then I have already notified you that I have contacted the office of Comptroller of the Currency, The Department of Finance that regulates banks, as well as the Consumer Finance and will be forced to proceed with their assistance. I am appealing to your good judgment to help correct this error. Please respond within 10 days, or I will take your failure to respond as an answer. 


Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, KY XXXX XXXX Second attempt to resolve the mistake.
Consumer complaint received 2017-11-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

I consolidated my federal loans in XX/XX/XXXX with XXXX XXXX/Navient with the sole purpose of qualifying for a loan forgiveness program. I even called and spoke to a rep about this in XX/XX/XXXX. 
Since XX/XX/XXXX, I thought that I was in a loan forgiveness program and always made payments on time.

In XX/XX/XXXX, I followed up with my provider, to inquire about how close I was to completing the program. At that time I was told that I had to be in a certain repayment plan to qualify for a forgiveness program. I was never informed of that- for years I have been making timely payments and my principle has not budged! It is literally the same amount it was when I graduated in XX/XX/XXXX! 
I am now in the PUBLIC SERVICE LOAN FORGIVENESS ( PSLF ) program which forgives loans after 10 years. I have always worked for a XXXX XXXX XXXX since graduating in XX/XX/XXXX. I should have received loan forgiveness by now.
Consumer complaint received 2017-11-29
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: Experian Information Solutions Inc. (GA)

This is in regards to complaint file XXXX for Experian, I have asked for inquiries to be removed from my credit report that I have not authorized. The law states that the credit bureas have to show proof that these are in fact my inquries that I have inquired about. So I am asking CFPB to help me with getting proof that I have gave authorization to have these inquries just like I have asked Experian and Still have not gotten any proof.
Consumer complaint received 2017-11-29
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. (CA)

On XX/XX/XXXX I first filed a dispute regarding an unknown medical collection on my Equifax credit report. Equifax responded to me and indicated they had verified the account and advised me to contact the reporting collection agency. 

On XX/XX/XXXX I sent a certified letter to the reporting collection agency requesting the information they have regarding this account. The collection agency sent me a letter indicating they would verify the account and send me additional information. 

On XX/XX/XXXX I had not yet received any information from the reporting Collection agency and I called them at their office. They informed me on that call that they could not verify or provide me any information and that my account was closed in their office. I followed up that call with a certified letter requesting a withdrawal in writing of the claim so that I could send it to Equifax. 

After my phone call on XX/XX/XXXX with the reporting collection agency, I filed an online dispute with Equifax letting them know I have done everything in my power to discover and rectify this error with the reporting agency, and that the reporting of this account is an error. 

On XX/XX/XXXX Equifax reported back to me they have again verified the collection with the reporting agency and advised me to contact them again. I have contacted them again and they assure me they are not reporting the account. 

Equifax continues to report this unverifiable account on my report. It seems unreasonable that Equifax continues to require me to rectify with a collection agency whom will not tell me anything other than that the account is unverifiable and closed.
Consumer complaint received 2017-10-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I was paid to write an article for a magazine by a company XXXX XXXX XXXX in XXXX. They sent me the money via their bank XXXX XXXX XXXX XXXX XXXX XXXX from their US dollar account that they have with them. They indicated to me the correct amount in US dollars plus an additional {$16.00} to cover the wire transfer fee. They wired this money to the Bank of America. They said that no intermediary bank was involved. Thus, they indicated that they sent me apx {$480.00}. 

The money I actually received into my Bank of America account was actually {$440.00}, not {$480.00} ( minus maybe a {$16.00} wire charge on their endthus, {$470.00} ), that it was supposed to be. 

Bank of America charged me a fee of {$16.00} from my end for the wire. They said there were no additional fees, and the money they received and put into my account was {$440.00}, not {$470.00}, the amount that it was supposed to be. 

The company and the banks said they did the transactions accurately and that no other fees were / should have been involved. Both indicate that my problem is not on their end, but rather on the opposite end. So, I am stuck or caught in the middle, missing about {$25.00} of my money, which rightfully belongs to me and no one else.
Consumer complaint received 2017-11-29
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: The Receivable Management Services LLC (CA)

I received a call from an american debt collection agency for a credit card debt I owe in XXXX, which I am paying back quite regularly, according to my financial possibilities. This company wanted to get personal information from me over the phone, like the amounts owed. 
Somehow they were able to pull off some of the credit from XXXX, but I never received any official communication from XXXX that they would transfer the debt in XXXX to this company in USA. I then received so far three letters asking me to repay in one solution a sum that is more than XXXX USD higher than my entire original debt, and it has been more than a year that I have been paying the debt back. As I said, I am currently paying the debt in XXXX and I can prove the transactions made to the creditor company in XXXX. This self-proclaimed debt collecting company, RMS, seems to be a scam because of the grossly wrong amount they are asking me, because I never received any official written communication from XXXX about them taking charge of my debt, because they appear to be unaware of my personal information, except my phone number and home address and some old credit card statements, because their physical address is a P.O. box, and the website they report in the letters they send me did never work at all, showing a blank page with a 404 error and it seems nonexistent. Additionally, googling for their name it comes out that they appear to be a scam organization, and some other consumers reported a companys physical address being in XXXX, while the address in my letters is XXXX, OH. They seem, act and feel like scammers. What can I do to let them stop?
Consumer complaint received 2017-11-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

Just saw on report a collection that should not be there. The amount of {$1400.00}? To a Medical Center was a fraudulent use of my card. This took place in XXXX. I live in XXXX NEVER was in XXXX.We canceled the card
Consumer complaint received 2017-11-14
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 am a victim of identity theft. There are several items listed on my report that do not belong to me. I have tried several times through disputes to have them removed ; yet they are still on my report. XXXX XXXX XXXX remains on XXXX and XXXX report. XXXX remains on XXXX, XXXX and Experian reports. XXXX XXXX remains on XXXX report. And unauthorized inquiries remains on all three. I have attached my ID Theft form. Please remove these items within four business days as legally obligated under the FCRA. All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).