davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-16
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 (OR)

My bank account was over drawn by {$430.00} after multiple overdraft fees being added and bills being deducted. As a XXXX XXXX XXXX, and recently going independent in that field, money gets tricky to come by in the beginning. I finally closed a sale. I received a {$12000.00} ( {$11000.00} ) check and deposited it on the morning of XX/XX/XXXX at XXXX XXXX, at my local Bank of America ATM. 

Of the {$12000.00} ( {$11000.00} ), {$300.00} was placed into my account. Still leaving it in the negative by {$130.00}. Still at risk of further over draft fees. The remaining {$11000.00} is placed on hold until XX/XX/XXXX. 

I will continue to have bills drawing on the account. Again putting me at further risk of over draft fees. 

On the receipt from the ATM at the time of the deposit, it does give me a reason for the hold. " A hold was placed on your deposit because the account had multiple overdrafts in the last six months. '' I get that. But to hold {$11000.00} back over {$430.00}, seems extreme. I can see holding a chunk. But no, they leave me negative and will keep collecting over draft fees and making money. I have bills and need to survive.

I have called Bank of America twice and gone into the branch at which I deposited the check. Everyone tells me the same thing, my account is high risk and nothing can be done about the hold.
Consumer complaint received 2018-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (GA)

On 2018, this debt for {$140.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Consumer complaint received 2018-05-16
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc. (TX)

When we moved to Texas, 6 months ago, I had a credit score of XXXX. Shortly after arriving in Texas, my credit score dropped 145 points and I have no idea why. I tried to contact each of the credit bureaus but was told that they could not identify who I was. I tried several times and was always told that I was not who I was saying I was. Last week, I receive a notice from XXXX XXXX that a new account had been opened in my name and social security number but dont have a clue who or why because I cant get a credit report. Because of these credit agencies I can not qualify for anything. I dont know what my credit score is or who has access to my credit because I am constantly denied access to my credit report. 

I just tried, once again to get my credit report from XXXX, and the automated computer took my social security number, my date of birth, the numeric only portion of my address, then without any further information ( STREET, CITY OR STATE ) explained that my credit report would be sent out in 4 to 5 working days. 
SENT OUT TO WHERE? TO WHOM are they sending my social security number and birth date now? 

SOMETHING TERRIBLE IS WRONG WITH MY CREDIT REPORT. SOMEONE, PROBABLY LOTS OF PEOPLE, HAVE ACCESS TO MY INFORMATION AND ARE KILLING MY CREDIT AND I CANT GET A REPORT FROM ANY OF THE CREDIT REPORTING AGENCIES to do anything about it. 

I cant talk to any of them. I cant get any reports. I cant look at my credit report on-line. I have no idea what to do. When I saw my credit score drop 145 points, I tried desperately to contact these people for 8 weeks, but all I got was them telling me that I was not who they though I was. I gave up out of frustration. 

I just received notice from XXXX XXXX, that someone has just opened an account, in my name, for something I have no knowledge about and there does not seem to be anything I can do about it because I cant get a credit report.
Consumer complaint received 2018-05-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc. (CA)

I have spoken to several representatives with Franklin today. I have disputed this bill from the beginning. I have asked for them to verify the charges and explain to me what exactly they are collecting. I had XXXX for about 4 months before I moved. They were unable to service my new address and I had to cancel service. I returned the equipment and paid the last bill. I started getting collection calls and asked for an explanation in which I still have not gotten. I spoke to a rep from this office today and she told me that the equipment was to old and held no value and the charges have been past on to me. I explained to her that I only had possession of the equipment for 4-5 months. She then told me she's not sure what the charges are. This was originally placed with XXXX XXXX XXXX and was returned to XXXX XXXX XXXX  and now Franklin is threatening to ruin my credit. We also fall under the Serviceman relief act for military spouses.
Consumer complaint received 2018-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CURO Intermediate Holdings (AL)

On XX/XX/XXXX I filed chapter XXXX bankruptcy. Included in the bankruptcy was a company called XXXX XXXXXXXX XXXX XXXX who was servicing as a collection agency for Speedy Cash. I have call the collection agency to ask them to update the status of the account and it seemed that they removed it. They were sent notice but as they thought my chapter XXXX was discharged they reported the account to my credit report as unpaid. I do know that doing that is against the law. I can not get resolution from this company and their practices are illegal they are affecting my current job with this information as I informed my employer they were included in my bankruptcy. Here is a example of how they are reporting to my XXXX 

Date reported : XX/XX/XXXX Original Creditor Name XXXX  XXXX XXXX XXXX Date AssignedXX/XX/XXXX Original Amount Owed {$610.00} Amount {$610.00} Status Date XX/XX/XXXX Status UNPAID Balance DateXX/XX/XXXXAccount Designator Code INDIVIDUAL_ACCOUNT Account Number xxxxx XXXX Creditor Classification Financial Last Payment Date Date of First Delinquency XX/XX/XXXX here is the proof of my chapter XXXX that was filed : Bankruptcies Bankruptcies are a legal status granted by a federal court that indicates you are unable to pay off outstanding debt. Bankruptcies stay on your credit report for up to 10 years, depending on the chapter of bankruptcy you file for. They generally have a negative impact on your credit score. 

Reference Number : XXXX Status Bankruptcy proceeding is initiated by the debtor 's own petition to be declared bankrupt and have benefit of the law. 

Date FiledXX/XX/XXXX  Verified Date Liability Exempt Amount Type Individual Filer Subject Court XXXX XXXX XXXX XXXX XXXX Amount I really need this company to follow the law and correctly remove this status from all of my credit reporting agencies. It is affecting my career.
Consumer complaint received 2018-03-04
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. (GA)

I have notified the CRA that XXXX XXXX should be deleted from my credit report. XXXX  has provided inaccurate information but the CRA continues to validate the debt without providing where the information comes from. XXXX XXXX says that I owe them for XXXX XXXX XXXXXXXX XXXX  ; however, that is incorrect and the tradeline should be removed. I've contacted the CRA and they continue to validate incorrect information. The attached file shows that XXXX is providing conflicting information as they are saying the debt is from XXXX XXXX. Therefore, the tradeline should be removed as the CRA continues to say this info is correct and XXXX shows a different account holder.
Consumer complaint received 2018-03-04
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: EQUIFAX, INC. (IL)

written in and spoke to numerous call center representative to address accounts/information that is reflected on my credit files that do not belong to me have completed and submitted police reports and ID Affavaidts to support claim of no ownership of the following accounts : XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX XXXX these accounts are not mine and are invalidly reporting on my credit file
Consumer complaint received 2018-09-04
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. (AR)

In XX/XX/2018 I disputed an inaccurate item with TRANUNION Credit reporting company. TRANSUNION did the investigation and replied back as the account was verified. In XX/XX/XXXX I disputed the inaccurate account WITH TRANSUNION AGAIN THE ACCOUNT which is XXXX XXXX # XXXX and they replied back as verified again in XX/XX/XXXX On XX/XX/XXXX I sent in another certified letter to TRANSUNION I have copies of the mail receipt that I sent the letter certified to TRANSUNION,, The letter was METHOD OF VERFICATION. I ASKED TRANSUNION TO SEND ME THERE METHOD OF VERFICATION SO THAT I CAN SEE WHO AND HOW THEY VERFIED THE ALLEGED ACCOUNT, ,BY LAW AND PER FCRA I AM ENTITLED TO SEE THE METHOD OF VERFICATION AND HOW THE VERFICATION PROCESS WAS PROCESSED. ON XX/XX/2018 TRANSUNION COMPLETED THERE INVESTIGATION AND FAILED TO SEND ME THERE METHOD OF VERFICATION,,, HOW ARE THEY verifying THESE ACCOUNTs with the creditors and me as the consumer cant get the copies and or information on there method of verification,,, TRANSUNION has violated the law, has violated my rights as a consumer ... On XX/XX/XXXX all TRANSUNION sent me by mail was the account was modified,,, I asked for the METHOD OF VERFICATION WHICH I AM ENTITLED TO. I HAVE COPIES OF THE LETTER THAT I SENT CERTIFIED TO TRANSUNION ON XX/XX/2018 THEY RECEVIED MY LETTER ON XX/XX/2018 AND HOW IS IT THAT TRANSUNION CANT AND DIDNT SEND ME THERE METHOD OF VERFICATION,,, I AM GOING TO FILE A SMALL CLAINS FOR THE NON COMPLIANCE,,,, OR DELETE THE INACURATE ACCOUNT OFF MY FILE. TRANUNION IS NOT FOLLOWING THE FCRA RULES,,, YOU FAILED TO SEND ME THE METHOD OF VERFICATION WHICH IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT 611 ( A ) ( 7 ) MY LAST AND NEXT STEP IS SMALL CLAIMS FOR VOILATIONS AND NON COMPLIANCE OR DELETE THE INACCURATE ITEM OFF MY CREDIT FILE
Consumer complaint received 2018-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (FL)

Car loan was paid in XX/XX/XXXX. GM Financial continues to report a balance of over {$16000.00}. They continue to report this as of XX/XX/XXXX. They say the problem is with all 3 credit bureaus.
Consumer complaint received 2018-09-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN ADJUSTMENT BUREAU,INC. (GA)

On XX/XX/2017 an Open Collections appeared on my credit report from the American Adjustment of Burea Inc on behave of the original creditor XXXX XXXX of XXXX. The alleged debt owed is {$310.00} The first action I took was to dispute the collections with XXXX but they claimed to not be successful with the dispute. I am no form in relation with this company or debt, for I have never been to the XXXX of XXXX or have done any business transactions. There is no proof or documents showing me in relation to this debt and so it is clearly not my debt. Up to this day is it still on my credit report and it could be potential identity theft on their end about this collection.
Consumer complaint received 2018-09-05
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. (WV)

I disputed a negative item on my credit report from XXXX XXXX XXXX XXXX, located in New York ; the dispute was submitted to Experian in XX/XX/XXXX. I filed that I was scammed into a contract for a credit card processing machine on the promise of a loan for {$6000.00} to open my restaurant or I could cancel the contract ( XX/XX/XXXX ). The telemarketer, XXXX XXXX XXXX, did not let me know until XX/XX/XXXX, that I could not get the loan. XXXX XXXX charged me through debitting my checking account and I wasn't even open or making money! I sent the machine back but XXXX XXXX would not cancel the contract at any time, they said it was past yhe 10 day cancellation period which was in very small print! The New York Attorney General 's office has filed a suit against XXXX XXXX XXXX XXXX for their deceptive business practices and fraud, which I have just recently added my complaint to. They have an F rating with the XXXX XXXX XXXX! https : XXXX I tried to dispute again and on top of not giving but 210 spaces to write a complaint, Experian said they would not accept another dispute and they had the right to not accept disputes! This is not right on either party, XXXX XXXX XXXX XXXX OR Experian.com!! I couldn't even give experian the links and this is not fair consumer reporting! I was scammed!!
Consumer complaint received 2018-09-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (AZ)

Today, I heard from PM, a man named XXXX, ruthless, no apology, etc and anything that is negative. He called to tell me only that my loan was not going to vacated and went on to bring up about XXXX ' payment, which I indicated that they should receive it tomorrow. During the call, I made it very clear that this war with them was not over. This has been happening for 10 years and my voice was far from flattering. These people are venomous, savages, unprofessional, no sympathy and the only service they offer is ... .BLOOD ON THEIR HANDS AND THEY SPEAK WITH FORK TONGUE ... HATE THEM ... .... 

The last complaint is number XXXX, I received a response from Penny Mac, on Friday, with their same standard format, indicating they are researching the matter. Based on their past history, this is what will happen, I will receive  another standard format in the next couple of days and this is what it will say ... Based on our enquiry we found no evidence that we have done anything wrong. I sent you the copy of their statement and this is what they do to me twice a year. This is been a problematic and chronic. So, in other words it is okay with them to continue their wrath. You can review my previous complaints outlining the same issues. There will never be any enquiries, whatsoever. It is only a standard format, in order for them to follow the protocal, for the government. They have an overturn of employees. 

I have pasted one of the links against PM, for your review. This is not a handful of complaints against them. The list is endless. Consumers have posted blogs and it is viral. I contacted a couple of law firms in XXXX XXXX and had spoken with them and each indicated without commenting on the litigation, if there were any class action against Penny Mac and guess what, there are and it is Penny Mac 's employees, who are the litigants. So, I asked, if they were whistle blowers and they replied, reluctantly, yes. I chuckled and replied, they will receive justice. 

Did your bureau have any knowledge on the matter? If not, now you do. Now about me. This Penny Mac is ruthless, unprofessional, forgery, fraudulent, thieves, emotional distress, screaming at me, etc. I have uploaded my initial complaint, per XXXX XXXX and thus, as of this day, nothing is whole. I had never heard of this bureau, until XXXX XXXX referred had indicated that it was time for the foregoing complaints and this is not going to stop. 

In addition, their extension numbers and web is ineffective. Do I care, no? They are disrespectful and arrogant. One of the employees, is XXXX. Bad news. All of my payments are through my credit union only, not them. They are not trustworthy. The evidence has been a ten year problem and they still have me in delinquency, as usual. They are a group of morons. 

XXXX XXXX XXXX XXXX XXXX   XXXX
Consumer complaint received 2018-09-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (WI)

The judgement entered by the court was {$4600.00}. They have already garnished {$5100.00}. 
They continue filling new adjustments to the garnishment order with the incorrect amounts owed. They have alternated collecting on 2 separate judgements to increase interest owed and cause confusion. They have " misplaced '' money that was garnished from my wages and have no intention of correction. They refuse to provide any information on why the judgement has not been satisfied.
Consumer complaint received 2018-09-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (PA)

I looked at my credit report and found out there was an account opened I had an issue about because the amount owed is incorrect. So i called the company holding the account and explained to them the amount listed on my credit report is double of what it should be because theres 2 names in court records attached to the bill owed so my responsibility for the bill is only 50 % which they admitted they knew that there was another party involved in this account and on the other persons credit report the same amount is also owed which is actually the debt collector attempting to collect double the balance owed on the entire debt. Then they proceeded to tell me they would give me a 50 % discount on paying my bill off not sure how there math works but here is how my math breaks down. 
balance owed in total : {$1000.00} my responsibility according to court records 50 % : {$510.00} inclueded 50 % discount to pay off the bill to the creditor {$510.00} The reason why its wrong is because there are 2 names attached to the same account 2 different credit reports showing the same exact amount owed in total amount be {$2000.00} when the actual amount is only {$1000.00}. Now what happens when i go to pay the bill because were not married say I pay the bill entirely at {$1000.00} which is the full amount owed the other party doesn't know I payed and its still on there report they pay the bill owed also the reporting company gets double owed amount because when reported on each parties credit report its the entire bill owed not the 50 % responsibility that each party has. How is this considered correct because if my responsibility is 50 % owed then my credit report should show {$510.00} and the other party should show the same and if the reporting agency was going to give me 50 % off then my bill should had been {$250.00} not {$510.00} id like to know how an entire bill is attached to both parties and being said this amount is owed by both parties when both parties are actually only responsible for 50 % of the bill and both credit reports show full amounts thats incorrect information 2 parties 2 bills not 2 parties the same bill twice it makes no sense.
Consumer complaint received 2018-09-04
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: HUNTINGTON NATIONAL BANK, THE (OH)

To whom it may concern Huntington Bank is violating FCRA, by reporting my credit incorrectly. On XX/XX/2018 I spoke to XXXX XXXX at XXXX, when I received a notice stating this loan was late, and I promptly made a payment. After speaking to the cosigner on this loan, I found that there was in fact a payment made on XX/XX/2018, made by phone, but instead of Huntington putting the payment on the right loan they posted it on a XXXX XXXX loan # XXXX ( Which this is a breach of privacy that I have her loan information because of your XXXX up ) I called back the same evening on XX/XX/2018, and spoke to XXXX XXXX again at XXXX and explain the situation. He tells me that he has to put in a work order and that the payment on XX/XX/XXXX, will be pulled from XXXX 's account, posted correctly to my account, and the payment I made that evening would post for the XXXX payment. Oh and there is no confirmation number he can give me. 

Fast forward to XX/XX/2018, when I received another late notice, and realized the issue had NOT been fixed as XXXX said it would be. I spoke to XXXX at XXXX who put in another work order to have the misapplied payment applied correctly. She advised me to call back in 2-3 business days. I called back on XX/XX/2018, and  spoke to XXXX at XXXX, she told me the payment had been moved and it would be back dated to XX/XX/2018, when the payment initially was paid, and the next payment would need to be paid no later than XX/XX/2018. I told her at that time that I was concerned about this on my credit. I was rest assured it would not hit my credit and ALL late fees would be waived. 

Can you imagine my surprise when I received FOUR credit alerts on XX/XX/18 showing that Huntington reported this loan late for XX/XX/2018 dropping my credit score over 60 points I was at a XXXX to be dropped to XXXX? Even though it was XXXX XXXX, the call system stated that the branches were closed but the phone center was available. 42 minutes on hold, I just hung up and drafted this email and sent it to them. 

Today XX/XX/2018 I called XXXX, spoke to XXXX, who said he was not able to help, but he didn't see any late fees, and that they are not able to tell customers if payments will affect their credit score, he gives me XXXX informs me I have to talk to customer service. I talk to XXXX and she says she has to transfer me to loans, because guess what? She cant help either. I was on hold for 33 minutes during this " transfer '' before I hung up and called back to customer service to only find out they were closed for the even. This is a joke right? That is probably why I was on a forever hold because just like XX/XX/XXXX they were closed and now they are closed and there is nothing in the works to say that they are closed. A whole hour and 15 minutes of my time was wasted, which my time cost {$28.00} an hour so that is about {$35.00} that Huntington owes me for attempting to do their job.