davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pendleton Capital Management (AZ)

On Thursday, XX/XX/2018 at XXXX - I received a phone call from XXXX apparently XXXX XXXX . I answered the call, and it was a message that at first sounded like maybe it was trying to say " this message is for ... '' but it was really fast, and I could not actually hear any name, or distinguish words really. Then it switched to male-sounding automated voice that said " this is an urgent matter, we have been trying to reach you, please press XXXX [ or XXXX ] now, and we will connect you with someone who can help. Again, this is an urgent matter. '' Then it starts to repeat the message. I hung up. Then I called the number back within a few minutes, and it is answered by an automated system. It is a womanly voice, saying " Thank you for calling XXXX XXXX. Helping one consumer at a time. If you received paperwork from our office, and know your party 's extension, dial it now or dial zero and a representative will be with you shortly. Please be advised that this is a debt collection company and this is an attempt to collect a debt ... This call will be monitored and recorded for quality assurance. It repeats this message two additional times, and then it will hang up on you. But no one ever answers. So, my problems are 1 ) this number has never previously reached out to me, 2 ) I have received no notifications anytime recently regarding any past due amounts or debt collections from this company or others, 3 ) the only bills I have are all set up for autopay, and doctor bills are paid within a timely manner, so there is no reason for a debt collector to call me, 4 ) If they never answer their phone, then I will never talk to anyone, because I REFUSE to press XXXX or XXXX or any number to talk to someone, if you are calling me then you should be on the phone, or don't call. I strongly feel that this is an attempt to scam people out of money that they do not owe to anyone. I tried to report it to the FTC, and they directed me to this website.
Consumer complaint received 2018-12-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Bit Express, LLC (VA)

XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX XXXX   Issue : Seeking a refund from Bitexpress which held XXXX I deposited on XX/XX/XXXX. This is their process for first time users to protect against fraud as well as simply being a first time user. 

Timeline : XX/XX/XXXX deposited XXXX as instructed from XXXX XXXX to buy a vehicle. Bitexpress allows bitcoin purchase.

They hold money for first time users of their machine to evaluate if a Fraud is detected, which I had no problem with of course.

I talked to a person only 1 time via the phone number that is text only XXXX XXXX XXXX which she said I will be refunded the money ... never told me when. 
Since then I call and call and the XXXX subscriber voice mail keeps saying no one is available I have since then text since the XXXX XXXX XXXX   is text only from Bitexpress XX/XX/XXXX sent my first text ... response ... we will call you shortly which 1.5hrs later after I text again a lady called XX/XX/XXXX I Text again twice ... response is Our team is working on your refund as quickly as possible. You will be notified through text once the check is sent out ... .I asked for a call back and no further response XX/XX/XXXX sent another Text asking why have no one responded ... .No response XX/XX/XXXX same thing XX/XX/XXXX same thing XX/XX/XXXX ... I get a Text ... Terribly sorry for the delay. The refund is already in process and you will receive a text message from us once it is sent out. 
XX/XX/XXXX I text asking if it has been sent out yet ... .no response XX/XX/XXXX I text asking if it has been sent out ... no response XX/XX/XXXX same thing I have my receipts from my Bank withdrawing the Money as well as the receipt from BitExpress
Consumer complaint received 2018-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

On XX/XX/18 my home sold which was financed through Ditech. I had an escrow account set up with my home loan to pay for property taxes and home insurance. Upon closing on XX/XX/18 I was due a refund of {$2300.00} from Ditech. I have called their customer service number several times as I have never received the refund. I wrote down the following dates that I have called in regards to this matter ( there may be more before I began to keep track ) : XX/XX/18, XX/XX/18, XX/XX/18, and XX/XX/18. Each time I have called I have verified my correct address and been told they will research the matter, stop payment on any checks that may have been mailed previously, and send another check. On XX/XX/18 I was told I would receive payment within 10 business days and was told to call back on XX/XX/18 if I had not received payment. I was traveling on that date, so I made sure payment hadnt been received while I was away and called upon returning home on XX/XX/18. On this date I was told there would be a supervisor review performed and I should hear back from them within 3 days. If not, I am to contact them again on XX/XX/18. I am concerned as every time I call I am told a check will be sent promptly and it has now been over 4 months. I have not been told if a check has ever been sent at all or if the matter is still in processing waiting to be sent out. I am hoping to get this matter resolved ASAP. Thank you for your help.
Consumer complaint received 2018-12-06
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

On XX/XX/2011 XXXX XXXX XXXX signed a reaffirmation agreement for the mortgage on the XXXX XXXX XXXX XXXX. XXXX Ohio XXXX with XXXX XXXX  XXXX XXXX, as XXXX. The new agreement listed a balance of {$46000.00} with a new interest rate of 5.25 %. from $ XXXX@ 7.37 % this document was filed and entered in Federal court on XX/XX/2011 Docket XXXX see ( Exhibit A ). Per Bank of Americas own loan history, the bank never applied the reaffirmation agreements new terms to the old loan as agreed in court. Bank of America kept sending statements listing the old payment and balance see ( Exhibit XXXX  loan History and XXXX  monthly statements ) at that time this was a XXXX violation of the confirmed bankruptcy plan because the cram down debt listed on the monthly statements had been XXXX per the plan. See ( XXXX XXXX Claims of the confirmed Plan )
Consumer complaint received 2017-10-28
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. (NY)

Equifax credit reporting agency is not fixing an issue I am having with wrong information on my credit report. Today I viewed on XXXX XXXX that equifax deleted my XXXX account off my credit report this account should not have been deleted off my credit report. I never gave permission to delete it. Having this account deleted brought my credit score down. My next issue is XXXX XXXX XXXXXXXX that is reporting that should not be reporting. I submitted substantial proof along with speaking to the CEO of XXXX XXXX XXXX and it was confirmed to be removed from my credit report. Instead of removing it equifax added a remark to this account. This is completely wrong. I am very discouraged in getting equifax to correct these issues. Another account XXXX XXXX XXXX XXXX is reporting as me including this account in bankruptcy. I never filed for bankruptcy. How can they put such false information. I fully expect that this bankruptcy comment be removed off my report. I 've also uploaded proof from experian that these other 2 accounts were removed from my XXXX credit report. Equifax should have received the same information.
Consumer complaint received 2018-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2018, I performed a mobile deposit of my paycheck which has occurred regularly from the same company and the same checks for the past 18 months. However, the morning of XX/XX/2018 I noticed that the mobile deposit was placed on hold. Being a former XXXX and having knowledge of Reg CC, I decided to call the bank and inquire as to why my deposit was being placed on hold. 

After providing my account information and validating my identity, I asked the service representative for the reason that a hold was placed on the deposit. After a brief hold, I was told that a hold was placed because they have yet to validate the availability of funds. I informed the representative that being a former XXXX XXXX  myself I understood the ability to place a hold on a check, however, I was seeking the extenuating circumstance that lead to a reasonable doubt of collectibility of this check and cited that checks for amounts both larger and smaller than the same had been deposited into the account from the same external account which also bared the exact same signatures. So I then requested that they review the information again and provide me with a reason under Reg CC for which they determined that a hold was permissible or reasonable. 

I continued to receive the response that they were unable to immediately validate funds on a check despite additional questions such as if there was an issue with the appearance of the check or other item to which they deemed this transaction as being different from any previous transactions. 

Having reiterated the issue that they can not just go around placing holds on checks without cause and any determination to place funds on hold and asking specifically for a reason in accordance with Reg CC they refused to give a reason for placing the deposit hold. 

I then asked for and received a manager and posed the same questions and was told that they could even place a 10 day hold on a {$400.00} check if they felt like it because they can not immediately validate funds on a paper item. 

After additional futile attempts to receive the reason for the deposit hold I was ushered off of the phone. 

Based on my understanding of Reg CC, not only can the banking customer request the reason for a hold, the determining factors for placing a hold on an item must be disclosed. As I obviously never received one, here is my complaint. 

Personal Information Below -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Deposit Amount : {$4500.00} Funds Available : {$200.00} Funds Held : {$4300.00} Bank of America Phone Representative : XXXX ( South Carolina Call Center ) Bank of America Manager : XXXX ( South Carolina Call Center )
Consumer complaint received 2017-10-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (WI)

I was a new customer at BMO Harris Bank and opened a savings account with a coupon I had that promised a {$500.00} bonus if I met certain requirements. I met those requirements but did not receive the bonus. The bank was informed that I did not receive my bonus and I was told by XXXX XXXX of the XXXX WI branch that they would need to research the issue. I was later informed that because I have a son with an account at the bank and he is allowed to be a cosigner on my account to handle my finances for me ( I 'm XXXX years old ), I would not receive the bonus. I feel that this is ridiculous, unfair, and since it was not disclosed to me at the time I opened the account I believe that the account was opened under fraudulent pretense that I would receive the advertised bonus. Rather than reward my son for bringing the bank significant new business I am penalized for banking at the same bank my son uses. This is a sleazy way to do business and I am considering closing my accounts and moving to a bank that does not promise incentives and then look for ways to get out of fulfilling them. I lived up to my end of the agreement with the bank and I expect them to live up to theirs. I am also filing a complaint with the Wisconsin Department of Financial Institutions if this is not resolved immediately. I am entitled to a {$500.00} bonus and I expect to receive it.
Consumer complaint received 2024-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Request for experian credit bureau to remove old outdated information and all hard inquires only slowing XXXX hard inquire also show length of credit over 2 years current from my car loan with santender bank paid and paid off timely over 26 months.which is on my XXXX XXXX.my scores went down from XXXX to XXXX would like to see my scores restrung to that level.working diligently in restoring my credit for a home purchase.Thank youXXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Florida XXXX XXXXXXXXXXXX or XXXXXXXXXXXX XXXX
Consumer complaint received 2017-10-29
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: Experian Information Solutions Inc. (WI)

I have contacted Experian concerning the Bankruptcy that is inaccurate and reporting on my Experian Credit Report under XXXX XXXX. I requested that it be removed from my account, after l contacted the XXXX XXXX XXXX Wisconsin United States Bankruptcy XXXX, who informed me that they did not verify or validate to Experian and they do not report to credit agencies. Experian still has not removed the Bankruptcy. I want it removed immediately.
Consumer complaint received 2017-10-29
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. (SC)

XXXX refused to correct my credit file from previously deleted information. Deleted files were removed in XXXX, XXXX, and XXXX. XXXX XXXX helped me to correct my XXXX report so the information had to be verified through XXXX as well as the company. Not only that, I called to have the security freeze removed for XXXX days they refused to do so unless I gave them a XXXX. To me, I felt discriminated against because other consumers never provided this form or other forms. I sent in my social security card, proof of address, and drivers license. The documents were provided three times with the correct information. In addition, XXXX had my address for the last XXXX years, and I received a report with four different addresses listed. I submitted proof of my address and this should be corrected immediately. Finally, I reported several times to Equifax that XXXX XXXX accounts were removed.
Consumer complaint received 2017-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Horizon Financial Management (VA)

On XXXX XXXX, XXXX I sent Horizon Financial Management a letter requesting validation of a said account on my credit file ... To the present day Horizon has failed to respond with validation nor has my account been placed in dispute and it has been MORE THAN 30 DAYS.. This is a direct violation of the FCRA ... Horizon 's trade line is displaying the following inaccuracies .... Missing account and payment history, No monthly payments, No date of first delinquent payment, No contractual agreement, No estimated removal date, No responsibility listed, Missing close date, and no contact details ... Horizon is in direct violation of the FDRA by not reporting accurate and factual information ....
Consumer complaint received 2017-10-29
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. (NY)

I have been unable to contact TransUnion about disputing the following on my XXXX report, dated XXXX : XXXX. Name shown as XXXX XXXX is wrong. I NEVER go by this name. My name is ONLY XXXX XXXX XXXX, XXXX. The property deed to my only home since XXXX goes by XXXX XXXX XXXX, XXXX TransUnion XXXX remove XXXX XXXX XXXX this is not me!!!!!!!!!! 

XXXX. XXXX XXXX # XXXX * * * : Under " Remarks '' should be corrected, this account was " ACCOUNT CLOSED BY CUSTOMER ''!!!! 

XXXX. XXXX XXXX # XXXX * * * : Under " Remarks '' should add " ACCOUNT CLOSED BY CUSTOMER ''!!!!! 

XXXX. XXXX XXXX XXXX # XXXX * * * : Under " Remarks '' should add " ACCOUNT CLOSED BY CUSTOMER ''!!!! 

XXXX. XXXX # XXXX * * * : Under " Remarks '' should add " ACCOUNT CLOSED BY CUSTOMER ''!!!! 

XXXX XXXX XXXX, XXXX.
Consumer complaint received 2017-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I 've disputed this info with the CRA 's and they were required to # 1 put the notice of dispute within 30 days of receiving my 1st dispute which they did n't and # 2 the info on my credit report is required to be accurate and complete. Each of the accounts that I have disputed are now missing the original amount.
All 3 CRA 's are stating these items have been verified but I can see that none of them have the notice of dispute like I mentioned and I 've seen that none of them have have the original amount as required. In addition, where 's the proof that any investigation was done?
Consumer complaint received 2017-10-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

On XXXX/XXXX/XXXX at the XXXX of XXXX dealership ( dealership # XXXX XXXX I purchased a new XXXX XXXX NV XXXX van. During the initial negotiations, the salesman had added some optional coverages which I did not have a clear understanding of. After doing some more research, I decided that I did not want these options and requested to my salesman to remove them. Before I ever took the car off the lot that day, we reconfigured the loan numbers with the options removed and we came to an agreement for the new loan amount, and the corresponding monthly payment arrangement amount. Due to the dealership closing at the time, my sales rep told me that these changes would be finalized the following day and assured me that the new agreed upon loan amount would be honored. Since the date of purchase, I have called and stopped by the dealership numerous times to check and make sure that these changes were made. I was told on more than one occasion, in person and on the phone by my sales rep, that these changes were made and that I would see the corresponding changes in either a letter or bill that would come in the mail. After waiting over a month and not receiving anything, I had to call into XXXX XXXX customer service and ask about my account and the payment amount. It was only then that I found out that none of the requested changes were made, and that my loan amount and monthly payment were not what was agreed upon. The very next day after finding this out, I went to my dealership once again and when I asked my sales rep, he explicitly told me that he had talked to XXXX XXXX services and requested for the changes when the vehicle was first purchased. He assured me that the changes were requested and that it mustve been a clerical error that the changes werent made. He assured me once again that he would follow up with them and to check back in with him the following day to make sure this issue was taken care of. Since our last meeting, I have called Each and every day only to not get an answer, and all of my numerous messages have gone unreturned. Upon further investigation with XXXX XXXX services, they informed me that any type of changes to the loan agreement would need to be done on a new contract document, and that they had not received any contact or inquiries at all from my sales rep or dealership. They also informed me that the sales reps receive the most commission back on these particular optional coverages, which led me to believe that this was the reason why my requested changes were never taken care of by my sales rep. At this point I feel that I have exhausted all possible options to get this taken care of between the dealership and sales rep this vehicle was purchased from, and seeing as how much time has passed since the date of purchase, I need assistance from an outside source or counsel to ensure that this matter is resolved as initially promised.
Consumer complaint received 2017-10-29
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: Experian Information Solutions Inc. (GA)

On XX/XX/2017 I sent a certified letter to Experian asking them to investigate and verify the following two accounts ( XXXX XXXX and XXXX XXXX ) on my credit report. 

Experian sent letters back saying they were verified. I sent another certified letter on XX/XX/2017 for XXXX XXXX and XXXX XXXX, informing them that they failed to verify the accounts, asking for a re-investigation and the method of verification of both accounts. I also asked them to provide me with documents bearing my signature, showing that I have a legally binding contractual obligation to pay the creditors the exact amount claimed. I received another letter stating the same thing for XXXX XXXX and XXXX XXXX as verified. 

This is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2017-10-29
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. (NM)

Equifax, XXXX and XXXX XXXX are not responding to any of my many requests to investigate, verify and remove accounts from my credit reports/files that were opened fraudulently.