davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX, a {$380.00} transaction from XXXX caused my Bank of America checking account to be over drawn, a {$35.00} fee was charged on XX/XX/XXXX, which made the account {$410.00}, so on XX/XX/XXXX I deposited {$300.00} into my Bank of America checking account. There was a {$68.00} XXXX XXXX XXXX transaction pending, therefore my receipt stated my balance was - {$180.00}. I planned to deposit the {$180.00} on XX/XX/XXXX, once I had more money ; however on XX/XX/XXXX, I discovered Bank of America, went back and updated their system to reflect my XXXX payment and a {$170.00} recovery fee being deducted leaving only {$25.00} in my checking account. This caused me to have additional fees with XXXX and Bank of America. I contacted Bank of America on XX/XX/XXXX @ approximately XXXX and was on hold for 30 minutes at least, before I spoke with XXXX . Then I spoke with a supervisor from Alabama, Mr. XXXX @ approximately XXXX, whose only concern was the recovery fee, despite me explaining the financial hardship their actions were creating for me, due to my bill payments being returned, causing additional fees, so Bank of America could take the funds as recovery. On at least 2 other occasions {$15.00} has been deducted from my account for recovery without prior notice, days later I receive a notification in the mail. Bank of America has never advised me that they were going to randomly deduct any amount of money they desire from my account, creating a financial hardship for me. I filed a complaint ( XXXX-XXXX ) on XX/XX/XXXX with CFPB because while my daughter was told to submit additional evidence which she did, Bank of America closed the account without notice, while we thought the investigation was reopened due to additional proof provided. I have been had my Bank of America account for many years and I am a XXXX veteran, already under financial strain which my account reflects. The account being recovered from never should have been closed, it was my daughter 's college account, I would have agreed to a payment arrangement of some sort. Bank of America 's actions are unethical and I plead with your agency to open and complete a full investigation because this may be common practice, and the consumer has no defense other than to close their account and have their credit negatively affected.
Consumer complaint received 2018-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I filed a dispute with the credit bureau regarding many accounts that are reporting to my credit report that do not belong to me. 
The credit bureau has not provided proof of ownership and instead has provided false information to my credit report without proper documentation confirming the accounts.
Consumer complaint received 2018-11-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

In XX/XX/2018 a certified letter was sent to Portfolio Recovery Associates requesting proof of contract or application obligating me to this debt this company claims I owe. Portfolio Recovery Associates has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of Portfolio Recovery Associates. Portfolio Recovery Associates is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
Consumer complaint received 2018-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I filed a dispute with the credit bureau regarding many accounts that are reporting to my credit report that do not belong to me. 
The credit bureau has not provided proof of ownership and instead has provided false information to my credit report without proper documentation confirming the accounts.
Consumer complaint received 2022-06-22
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. (CA)

The credit bureaus stated that these accounts were properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal and they also violated my rights under 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 that a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CA)

Applied for credit. 
Received low offer at high interest rate : XXXX @ 25 % APR Company sent credit card and we did not activate card/account nor log in to account Company immediately started reporting to credit bureaus One year later we receive paper statements Second statement asked for annual fee We declined to pay annual fee since we never activated card/account Called company they offered two options pay fee or close account Closing account would harm credit score Paying fee is unfair since we never used card
Consumer complaint received 2018-07-25
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (VA)

When we originally got the loan the interest rate was only suppose to change once a year. Since ditech took over the loan the interest rate is different each month varying from ~3 % to ~5 %. I inquired about it last year and got no response.

I recently inquired again and still no response.

i do not think it is right that they can charge me any interest rate they desire on a month by month basis.

Also, on the original loan we paid for insurance to pay off the loan in case of death.

When they took over the loan that went away and finding appropriate insurance is no longer at a reasonable rate. 
I really don't know what recourse I have other than refinancing the loan. 
Thank you for your assistance.
Consumer complaint received 2018-12-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE (GA)

I have to say that paying on line with Primary Residential Mortgage Inc. 's  system was a problem. We would like you to know that when we went to pay our payment of {$2800.00} on Friday XX/XX/18 on there web site ( which we have used in the past ) we never confirmed the payment as the web site gave a notice that it was having technical issues and to try back later. I than noted it on my payment stub to retry on Saturday. I went back in on the XX/XX/XXXX and it showed unpaid with a late charge so I confirmed it and paid {$2800.00}. On XX/XX/18 my bank notified me that Residential Mortgage  had pulled two payments from our account which caused us to over draft. We than called PRMI to be told that nothing could be done. They also went ahead and applied the second payment to XX/XX/XXXX payment which we never authorized. This I believe needs to be corrected as we did not authorize the first payment and should be returned due to there web site system being the problem. It did not show paid in there system on XX/XX/18 which cause me to think that it had not been paid. I would of never had paid it with a late charge if I knew it had been paid on XX/XX/18. For a person that relies on my pay check every two week they have no right to take the money and apply it to when they want. We re just asking to have it reversed.
Consumer complaint received 2018-07-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2018 I checked my bank account balance to see what had posted for that day. I was negative {$130.00}. Due to my dog having XXXX and health issues, i had not deposited my checks into the bank as I normally would have. I deposited a same day check, XX/XX/XXXX for {$150.00} that would cover all of the transactions for that day without aquiring a fee. I took photos at ( XXXX ) of the balance, transactions and of the deposit for proof that I had covered the negative amount. According to Bank of America the business day ends at XXXX. 
On XX/XX/XXXX at XXXX in the XXXX  I received an alert that my bank account had insuffcient funds. I went online to see what happened and a check ( # XXXX ) in the amount of {$71.00} posted XX/XX/XXXX, cleared XX/XX/XXXX. 
I immediately called the bank and I was told that one of the pending transactions on XX/XX/XXXX had bounced from this check ( # XXXX ) being completed on XX/XX/XXXX. I repeatedly explained that the check was nowhere to be found on my list of transactions on XX/XX/XXXX and if it had cleared on XX/XX/XXXX why wasn't it on my list of transactions for that day? I called 3 times and even stopped at a branch to show my photos as proof of the transaction not posting XX/XX/XXXX just to be told a XXXX transaction had bounced due to the negative amount for XX/XX/XXXX. I said I could understand that if on my end, all of the transactions were available to see. I was also told the check could have cleared anytime in the middle or the night and that it was my responsibilty to have the money in the account. TRUE if it would have been posted on my list of transaction for XXXX XXXX. I would have made sure to deposit my other check in the bank that was at home. But it was NOT on my list of transactions for XX/XX/XXXX nor was it included in the negative balance. After countless calls and even stopping at a branch, they refused to remove the fee. 
How can a bank charge you a fee for a transaction that is not even listed in your transactions as one that was completed for that same day?? It actually showed up on XX/XX/XXXX as a transaction that had cleared in XX/XX/XXXX. HOW??? 
I took picturea due to this happening in the past and after this is situated I will be closing my account at Bank Of America. I was contemplating it anyway due to their new monthly fees. I am a low income person so I have to pay a fee to have an account. Ridiculous and now they can charge fees for ghost transactions that appear online the next day. This should be fraud and illegal. They think they can take money out whenever they want and not post it for you to see? WRONG VERY WRONG!!! I have been a customer for many many years and I hope {$35.00} was worth it to them. They are crooks!!!
Consumer complaint received 2018-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, XXXX and Transunion have all failed to provide validation of public records listed in my files under my name and social security number. I have reached out to all 3 credit reporting agencies and they have failed to provide requested information. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file. The United States Bankruptcy Courts of Atlanta DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, XXXX, XXXX  and Transunion actively searches public records for any judgments and tax liens through third party research. A Bankruptcy is public information. Again the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcys through third-party research. Please see the attached documents to support my findings. I have reached out to The United States Bankruptcy Court and received a letter in return stating The Clerks office does not provide information to credit reporting agencies. XXXX  has not provided any feedback on my request to validate public records. I have attached all supporting documents reflecting the last communication from XXXX  regarding inaccurate information reporting on my file. Once again XXXX  has reported inaccurate information on file credit file. Transunion has not provided any feedback on my request to validate public records. XXXX  has not provided any feedback on my request to validate public records. Please see my attached documents.
Consumer complaint received 2018-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (CA)

I purchased an appliance on XX/XX/2018 using my Citi credit card in the amount of XXXX plus tax. I submitted an online Citi Price Rewind request because I found a lower price of XXXX several days later. Citi Price Rewind is supposed to match that lower price as long as you meet the requirements in their terms and conditions. I submitted all of the required information and made sure to include proof of the lower ad that satisfied all of the requirements in their terms and conditions. 

My ad included : The advertisement of the lower price must have been published or made available within 60 calendar days after your purchase date and must be for the same item by the same manufacturer for a lower price. 

A copy of the itemized receipt for the item purchased. 
A copy of the merchant 's advertisement with the lower price for the same item by the same manufacturer. 
Effective date of sale ( within 60 days of purchase ) Sale price Model number and model year Authorized dealer or merchant name Despite submitting this proof ( which met every requirement in their terms and conditions ), I received a denial letter in the mail saying the ad was not sufficient without elaborating on which part of their terms and conditions was not met by the ad I submitted and without any indication of what would need to be different about my ad in order for the request to be approved.
Consumer complaint received 2018-07-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company (TX)

Merchants Credit Guide Company is representing themselves as a debt collection company but is not disclosing information regarding this information and is using gorilla and scare tactics to collect debt that is not in collections and to acquire information on a consumer. I pulled my three credit reports and there is no collections and no new initiated lines of credit. They have called up to 6 times a day and left robot voice messages representing themselves as a debt collector. The phone number XXXX and they attempt to collect personal information without disclosing information regarding the reason of the communication or providing written communication regarding balances or the collecting agency. This is an attempt to transfer the crediting companies debt to allow them to collect interest on other parties credit.
Consumer complaint received 2019-12-07
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: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I have a hard inquirie from Ace Cash Exp XXXX, TX XXXX ( XXXX ) XXXX on XX/XX/XXXX and I never authorized any credit check from this company and I have no knowledge of this company. 
I have another hard inquirie from XXXX XXXX XXXX, CA XXXX from XX/XX/XXXX that I have no knowledge of.
Consumer complaint received 2018-07-25
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. (OH)

XXXX XXXX from Transunion was unable to help me remove 8 fraudulent inquires on my credit report. She asked me the names of injuries I was calling about and when I told her the names of them she said she could not disclose any of results of the dispute by phone. I verified all my information and she still stated that she could not help me. I asked to be transferred to a supervisor. After 5 minutes, I was then transferred to XXXX XXXX. Again, I had to say all my information such as Address, Phone Number, and social security number. I was a little nervous doing this as I feel I just gave out all my information. I realized that the last names of the people that I just spoke to had the last names of colors. I voiced my concerned that I was concerned that this might be a scam. I asked XXXX where they were located and she said that we were on a secured line and this call was being answered away from the united states. I am really worried not that I just gave out all my information to a potential scam artist. I am upset that I have been a victim of identity thief and it is very difficult to get Transunion to delete hard injuries that were not done so by me. I am now struggling to fix my credit by this credit bureau. I had asked XXXX when I would receive the dispute information on the 8 inquires that I placed on XX/XX/2018. XXXX stated that it was completed and sent yesterday on XX/XX/18 and should have gotten an email regarding the disputes. I told her I had not received an email yesterday as she stated and asked if it could be resent to my email address. I had to give her my email address since she said she could not give me any information out. XXXX did say she can send me a copy of my credit report in the mail that I should receive in the next 5-7 business days. XXXX also gave me a number for supposedly the online dispute department to see if they can help. I am very worried to give that number a call since I feel like this credit bureau, Transunion is scamming me and not helping me fix my credit as I have been a victim of identity thief. They were not able to send the results of my dispute via email. When I called the online dispute department, I spoke to XXXX XXXX and had me say all my information again. She did confirm that I did call in today and said the 8 dispute inquires have been resulted and that a new credit report will be sent to me in 5-7 business days.
Consumer complaint received 2018-11-05
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. (NJ)

The Bankruptcy on my Experian report should be removed immediately, it is unlawful to have a third party furnishing the wrong information on my credit report. 
As it can be seen, nothing showed that I have debtors/creditors/collectors that are included in the BK what so ever, therefore it has to be removed ASAP. 
The Bankruptcy courts do not affiliate with credit reporting agencies as I was told in writing from the court itself, and I have shown you the proof before. 
Should you not remove this frivolous action reported on my credit report, I will have to contact the court to order Experian for a removal, and I will file a lawsuit against your Bureau for the all the years and damages that was caused to my credit.
Consumer complaint received 2018-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I had recently discovered my information was used to open a CapitalOne CreditCard account, which i never opened or gave anyone permission to open. I contacted CapitalOne and they removed the account from my credit files, but i believe that the account is still in bad standing with CapitalOne.
Consumer complaint received 2018-12-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big City Finance, LLLP (TX)

Power Finance of XXXX  Texas loan for the amount of {$720.00} on XX/XX/2018 and since then as of today XX/XX/2018 I have paid over {$1400.00}. This is a never ending payment that I can Not afford nor do I understand the fees. I have sent an email requesting they delete my account information. And informed Power Financial they are no longer authorize to debt funds
Consumer complaint received 2018-07-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AL)

I was informed, after the fact, that my homeowners insurance, which was supposed to be paid out of escrow funds by Loancare, was cancelled despite having adequate funds in the escrow account. The insurance company stated the reason for the cancelation was because the payment was sent in late and therefore they cancelled the policy and returned the payment. Once I found out that the policy had been cancelled, I immediately went to work trying to get the original policy reinstated. This took a crazy amount of phone calls and time but after about two months, the original policy was reinstated at a higher rate. 

Both the insurance company and Loancare state that I was uninsured from XX/XX/XXXX-XX/XX/XXXX. Loancare put their own policy in place which was {$1000.00} a year more than the original policy. Loancare now states that even though I was uninsured, I would still have to pay for the new almost {$1700.00} policy that either never went into effect or was in effect for only a month or two. They said this was a " penalty '' for not having insurance ( which they were supposed to pay out of escrow funds in the first place ). When I disputed, they said there was " nothing we can do '' other than to have a supervisor from the insurance department call me within 48 hours. I never received that call.

As a result of all this, my payment has gone up about {$300.00} a month. After seeing that they have over 800 similar complaints on this sight, I believe that situations like this are not isolated incidents, but rather common practice for Loancare. In short, they XXXX up by not paying my insurance on time and are expecting me to pay for it. This could have been an easy fix for them. All they had to do was admit they made a mistake and take the appropriate corrective action to fix it. It was clearly their own mistake. 

I may not be able to make the full new payment. I suspect the next thing that will happen is they will unjustly XXXX up my credit and attempt a foreclosure. 

I rarely make consumer complaints but these people have went way over the line. I would not recommend using them under any circumstances. Their customer service is nonexistent and they put people at risk of being out on the street with little concern. They couldn't even tell me if the new increased payment was temp or permanent.

I want ( and expect them ) to repay any money already paid for this replacement insurance policy and return my monthly payment to it's original amount.