davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-29
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

I am a customer at Bank of America and enough is enough!!!!!!! I have told Bank of America on more than one occasion that I DO NOT WANT OVERDRAFT " PROTECTION ''. I had to leave town on a emergency and due to posting delays ( I made those charges of Friday but they did n't post until Monday ) I over estimated how much money I had and due to my withdrawal on Sunday before I left town my account went into overdraft on Monday while I was out of town. I read up on the laws and what the bank promises and they say that they will not charge fee 's for non recurring items and bill pay. I had XXXX items post while I was out of town XXXX for XXXX each and XXXX for XXXX and of course I was charged XXXX for each item!!! I know Bank of America and the other banks are a business BUT this is unconscionable and I do n't know why it is acceptable for the banks to act this way? I researched state usury loan shark laws and the most any state allows someone to charge in interest is 45 % in the state of Colorado. Why are banks not forced to charge a percentage of the over draft amount???? Is it fair that a person that overdrafts by {$1.00} and a person that overdraft by {$1000.00} pay the same {$35.00}??? Also I am reading that bank believe that they dont have to abide by lending interest rate laws because they claim overdraft items are not loans. I beg to differ if I dont have XXXX to pay for an item and YOU, BANK OF AMERICA. Chooses to pay for that item for me WITH THE EXPECTATION that I must pay you back THAT ABSOLUTELY IS A LOAN!! And what they are doing is illegal and there needs to be a class action lawsuit, its very simply if I dont have enough money in my account I DONT WANT YOU PAYING THE ITEM FOR ME!!!!!!!! They continue to do this because the law is not forcing them to act in a decent and equitable manner.
Consumer complaint received 2016-03-01
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (IL)

I 've been using my Citi Executive Card for over 8 months and have been paying my bill on time using the same bank account and routing number. However, in XX/XX/XXXX I made a payment of {$2700.00} to CitiBank and the amount went " missing '', the company blaming the problem on a " faulty bank account ''. The bank account was actually the same one I 've been using over the last 8 months to pay for my bill, and there was never an issue with it. I 've spoken to my bank and they claim the money was sent out ( the money is not in my bank account ). Additionally, the credit card company, CitiCard, is now failing to investigate this further and placing fees and additional interest rate to my card for their mistake.
Consumer complaint received 2015-06-11
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (PA)

I have a care credit card account which I use solely for my dog when she has XXXX ( XXXX ). I had my account down to {$1900.00} and when I went to make my usual {$100.00} payment today, my balance has shot up to over {$2500.00}! I was shocked and called and their answer was that the payments ( when CALLED IN ) you can verify which deferred purchase I would like the money to be credited to. I have had this account for YEARS and have been making payments that I assumed was going towards the oldest deferment. To my shock and disgust, it was not and literally it is entrapment, then they tacked on {$580.00} which should of been avoided due to my bigger than suggested payments. It is extremely unfair, she admitted to me that this information is NOT on the statement, nor website where I make my payments. obviously, had they told me, this would of been avoided all together. I was furious when I did get her to tell me that there was XXXX purchase that was deferred and only had a balance of {$27.00} but unless I called and told them this was the XXXX to put the payment towards, it would of tacked ANOTHER {$350.00} on soon. This information is nowhere for me to see to decide what I should pay, she said it is listed like purchases on a credit card then it drops off ... really? I feel angry, tricked, and I want care credit to know my eyes are wide open and from now on I will call them every payment made and keep XXXX of their people busy telling me any and all purchases and when the maturity date is so I can finally,,, after three years of wasted {$100.00} payments not getting properly credited, now I know why I ca n't seem to make any headway with this account. I recently went paperless assuming all the proper information regarding my account would be listed and it is not. Very unhappy with this situation. I am a single mom with XXXX XXXX and a mortgage, {$580.00} is a ton of money to me ...
Consumer complaint received 2015-10-05
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Coastline Financial Resources, LLC (NC)

i received a voicemail message from a XXXX XXXX XXXX from Coastline and Associates/Prodigy Portfolio Management stating that unless I returned her call and set up a payment plan on a credit card debt from XX/XX/XXXX or XX/XX/XXXX that they would take legal action. At the time i was on pain medication, having XXXX the previous day and was frightened enough by her to agree to a payment arrangement. Needless to say, I have no recollection of that conversation. When I called to ask why they had debited {$50.00} from my checking account she said i agreed to it and the call had been recorded. I 'm sure anyone listening to the call could tell i was under the influence of XXXX. She became extremely belligerent, threatening to sue me - what a laugh, i 'm XXXX and own no property. The more research i have done on these companies they seem to be a scam.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX Have Removed the XXXX  off my Consumer Report as of XX/XX/year> and Experian and XXXX have not removed the XXXX  off my report as it a violation of Rights and Privacy according to USC 1681 Section 602A Please Remove XXXX  off Credt Report
Consumer complaint received 2016-02-27
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Risecredit, LLC (TX)

I have a a few loans with RISE. Last month when I looked at my credit report I had XXXX inquiry from this company now I have XXXX and they all are dated for different months in the same year. I understand that the company will pull my credit to approve the loan, but they can not place the inquires on the file 10mos after the loan has been paid off.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? 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 ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2015-09-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Dovenmuehle Mortgage, Inc. (CA)

Re : PMI Cancelation - Unethical Practices by Mortgage CompanyReport on Practices of Dovenmuehle Mortgage ( DMI ) XXXX, IL XXXXI have been trying to cancel my PMI insurance since XXXX and have been given the run around in a very unethical manner. I initiated the process by calling their helpline representative and received a form to fill ( 2 weeks to receive ). I sent the form back immediately. After 4-6 weeks I received the same blank form, without any further instructions about the next step. We then re-submitted it and same thing happened. The initial form was again sent to me without any actionable notes about the next step. These occurrences make it clear that the practice of DMI is aimed to give the consumer the run around and delay the cancellation process. 
I have spent several hours on the phone with the Company. I asked the technician if the form can be e-mailed or faxed, they said that their system is not capable of it. Note that another employee was able to send the initial form via e-mail, making it the XXXX time, but I still do n't have the appraisal request form. They are claiming that their escrow department that handles the PMI cancelation process does not directly talk to customers or expedite the distribution of any forms. With todays business practices, there is no excuse for not automating the PMI cancelation form process - other then to stall and deter the cancellations. I am writing so the CFPB investigate the Company for the deceitful manners. I have waited approximately 12 weeks and have been paying the PMI. I have never been late on my loan, in fact have made more then the minimum due.
Consumer complaint received 2015-10-09
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (GA)

I had a XXXX mortgage on a property that had a first mortgage held by Greentree/ Ditech XXXX I forclosed on the XXXX mortgage on XXXX XXXX the foreclosure waswas subject to making payments on the 1st mortgage. I have beenharassed by Ditech debt collectors. I can document that on XXXX occasionsthey received by Fax information from me showing I was the ownerof Record and that I needed information on the mortgage in order tomake the payments. They have never sent me information on thepayment amount/ balance amount etc. The payment amount keepschanging and they call me and tell me I am " late '' in paymentsbecause I did not send in the correct amount.They are adding feesand penalizing me and yet will not give me information on the amountof payment necessary. They harass me constantly by calling severaltimes a day. All they need to do is send me a statement outlining thepayment amount and interest rate and notify me if there is a change. 
The Ditech reps are rude and despite my asking have not sent meany information. I consider them abusive in their practices. I did seewhen I XXXX them that there was a {$48.00} XXXX judgement againstthem for unfair collection practices. If you can suggest a remedy Iwould be glad to try anything at this point. XXXX XXXX XXXX
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information collection account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$XXXX}. These account have resulted in several fraudulent hard inquiries and fraudulent collection appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the collection, or hard inquiries as reported. The aforementioned collection, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collection, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit collection, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the dates. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT ). ( XXXX XXXX XXXX ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I have late payments showing in the payment history of XXXX accounts. These accounts have been reporting these late payments for a long time. I have never been late on any of my payments on any account.. Please update the payment dates for each account to paid on time, paid as agreed, never late in the payment history. ( XXXX XXXX XXXX and, XXXX )
Consumer complaint received 2015-10-13
Product: Payday loan — 
Issue: Can't contact lender — 
Company: MNE Services, Inc (LA)

i got a call at my work yesterday evening XX/XX/XXXX ad the caller said they were from advantage services saying I owed a payday loan fromXX/XX/XXXX I have n't had any and the said it was from XX/XX/XXXX when I ask for documentation to be sent to me they caller got ugly and so I hung up in her face. then she called back. I refused the call and told our operater not to accept any more calls like that. they threated charges and court. they were very ugly. I have not had a pay day loan they have they last numbers of my social security number. I do n't know how they got it but they do.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2500.00} 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 XXXXXX/XX/XXXX
Consumer complaint received 2015-11-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Diversified Consultants, Inc. (OH)

A recent overview of my credit report revealed that Diversified Consultant, is appearing on my credit file. So I sent notice to this company that they validate the debt and send me a copy of the application that was used to open this account. No response back to the debt validation letter. Diversified Consultant is continuing to report negative information on my credit report, even after they have failed to provide validation.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.
Consumer complaint received 2024-11-21
Product: Credit reporting 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. (FL)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The discrepancies on my credit report are seriously holding back my financial freedom. Every time I apply for new credit, I get denied because of these errors. It's incredibly frustrating to feel like my rights as a consumer are being ignored.
Consumer complaint received 2016-02-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SUNRISE CREDIT SERVICES, INC (MI)

Service disconnected on XX/XX/XXXX, returned devices, was told it could take 3 months to get final bill in the mail. Waited & noticed bill came at over {$1200.00}. XX/XX/XXXX contacted financial services from the XXXX corporate store, spoke with representative named XXXX who escalated additional charges since XX/XX/XXXX to her supervisor by the name of XXXX. XXXX told me the correct final bill was {$390.00} and that I would get a text message in 24-48 hours when credit was given for the remainder. I never received text message and am now being contacted by a collection agency who states we owe the full balance of over {$1200.00}. XXXX tells me there is nothing they can do even though they do have all the notations on the account from the numerous representatives I have spoken with both in the corporate store and financial services via phone. This has now resulted in effecting my credit and by no fault of my own. I have done what I have been advised to do by XXXX and their financial service team as well as followed up numerous times with no proper result.
Consumer complaint received 2015-05-06
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Designed Receivable Solutions, Inc. (CA)

I was contacted last week on behalf of this company telling me about a debt for my daughter. They did not explain to me that I could dispute this claim nor did they mail me any information about this debt. The collector was very rude and I was just trying to figure out what she was talking about. I filed a complaint with the XXXX as well. But, it should be against the law for them to add this on my credit report without giving me all the information. I believe that someone has been fraudualent and used my medical information. They put this on my credit report without telling me that they would do so. They even said hey spoke to my husband in XXXX. I am. It married.