davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bridgecrest Acceptance Corporation (FL)

Re : Account # XXXX, Vehicle : XXXX XXXX XXXX I have sent XXXX, XXXX, and BRIDGECREST ACCEPTANCE CORPORATION/BRIDGECREST CREDIT COMPANY a Notice of Pre-Arbitration. I have been attempting to rectify a matter with them on this alleged debt since approx XX/XX/XXXX. XXXX hides behind the false, misleading, and deceptive practices of its consumers, debtors, and holders in due course. BRIDGECREST ACCEPTANCE CORPORATION/BRIDGECREST CREDIT COMPANY attempts to collect on an alleged debt in which I have no contract dealings/assignment with. Both companies who are associated with one another have violated in many ways. They have violated State and Federal laws such as the Fair Debt Collection Practices Act, Consumer Credit Protection, Claims to an Instrument, Truth-In-Lending ( regulation Z ), Preservation of Consumers Claims and defenses, Billing error, and many more. Notice of Pre Arbitration has been delivered and signed for at three locations in which they both operate from. 

Tracking ID : Tracking number XXXX XX/XX/XXXX, XXXX XXXX XXXX AZ Tracking ID : Tracking number XXXX XX/XX/XXXX, XXXX XXXX, AZ Tracking ID : Tracking number XXXX XX/XX/XXXX, XXXX XXXX, AZ
Consumer complaint received 2022-01-20
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. (FL)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The EXPERIAN Credit Bureau have failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. 
XXXX XXXX XXXX ***** Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00}
Consumer complaint received 2021-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have been banking with Bank of America since XXXX, I have had the same account number for over a decade and all of a sudden on XX/XX/XXXX I try to log I my account and I cant. I call and all I am told is that my account is closed and no reason or warning is given other than a deposit agreement that says they can close my account at anytime, just because they ; does not mean they have to. And after banking with them for over 13 years, I want to to know why. I have deposits and credits and payments coming out of that account and it will all be canceled now and I cant change it because it is too late. If I am charged Any fees from my other accounts as a result of this, I will be suing Bank of America.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The EQUIFAX Credit Bureau have failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. 
XXXX XXXX XXXX ***** Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00}
Consumer complaint received 2021-01-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

I recently obtained a copy of my credit report. National Credit Systems continues to violate my rights according to Fair Debt Collections Practices Act ( FDCPA ). Also this company is in violation according to 15 USC. 1692. I have attached a copy of my ID. This company is defaming my character by constantly reporting this debt on my credit report which is a violation according to 15 USC. 1692d.
Consumer complaint received 2019-12-04
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (FL)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that FED LOAN SERVICING has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am a resident of XXXX, Texas. On XX/XX/XXXX, an individual posing as me went into a branch of Bank of America in XXXX, California, and withdrew {$4200.00} from my checking account. Then, within the same day, presumably the same individual went into another Bank of America branch in nearby XXXX XXXX, California, and withdrew an additional {$2000.00}. It has been suggested to me, within the limited information Bank of Americas fraud division has permitted, that the withdrawals were authorized upon presentation of a Texas drivers license and a bank cash card. At no time was I email, phoned, or texted to substantiate the authenticity of the individual before them. I find it unreasonable that the bank would issue sequential, large cash withdraws to an out of state customer on the same day without raising any alarms. To add insult to injury, the next day I received an emailed survey inquiring of my experiences when in their XXXX XXXX XXXX. 
I discovered the transactions on the next day, XX/XX/XXXX, when I went to my online banking to pay bills and found the money gone. I immediately called B/A ( Bank of America ) and reported the fraud. I was told the bank would have to conduct an investigation and, upon favorable findings, I could expect my money to be returned to my account in under 60 days. I was also given a claim number of XXXX. It was also suggested that I file a police report which I did ( incident no. XXXX ). A few weeks later when I called to check on the progress of the investigation I was told that they could not share information with me and that I should not expect my money back for 60 BUSINESS days or, in other words, not until XX/XX/XXXX. 
It has now been two CALENDAR MONTHS and I do not feel that B/A really needs this much time to conduct their investigation, if indeed they are conducting any such investigation. The only reason I can see to hold the money is if there were a suspension that I was a player in the fraud. I resent any such position. Upon my last call to B/A I was advised to just be patient and I would probably be getting my money back. I really resent the position by B/A that I may get my money back. I did nothing wrong except trusting my money to Bank of America. The actions taken by both of the California branches seem to me to be casual and disinterested in the security of my funds.
Consumer complaint received 2019-12-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: V and H Portfolio (MD)

This debt was removed from my credit report years ago, has aged out of the statue of limitations and now has re-appeared for no reason without any verification. This is also reporting as an open account when the date of last activity is over 4 years ago. I do not owe nor do I have a signed contract with this company
Consumer complaint received 2019-10-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (GA)

In XXXX of 2019, my mortgage company, Ditech forwarded notice of intent to forclose within 60 - 90 days if payments were not met. In XXXX of 2019, I contacted XXXX 's ( XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX program to work out a loan modification program. We submitted documents to substantiate our request. In XXXX of 2019, my home was in line for forclosure for failure to make timely payments. The scheduled date was XX/XX/2019. On XX/XX/XXXX, I was accepted into a trial payment program which lowered the cost of my mortgage by {$300.00}. I entered into the agreement and made timely payments that began in XXXX. The last payment was made in XXXX. After finishishing the required payments, Ditech indicated they were ready to proceed with a 360 degree loan modification, but there was a lein of $ XXXX on the home and the lender of that loan needed to agree to take second position and sign a subordination agreement. The company was XXXX XXXX, a federally funded program. They paid my mortgage for me for 2 years during a long illness I had. After the program eligibility was over, they place a 5 yr lien on the property that is released once the time frame is met. XXXX XXXX agreed to take second position as asked for the documentation. Ditech forwarded me the proposed agreement, that outlined what was owed to Dietech, what was owed to XXXX XXXX, and the proposed terms. XXXX XXXX informed Ditech that per Federal Regulation that XXXX XXXX  is under, it is required they ( Ditech ) provide a final total in writing. During a phone call on XXXX with both parties and myself present, Ditech stated they do not provide what was being asked. XXXX XXXX  then said they would accept a final payout from them in writing to satisfy the Federal Government requirement. The request was made by Ditech official to obtain the payout letter before the call was over. Ditech has given me until XXXX to get the subordination agreement signed. I called everyday since then to obtain the payoff and to date they still have not provided it. XXXX XXXX can not sign the agreement unless all regulations are followed and Ditech refuses to do so in a timely manner. I have asked for an extension on 4 occasions to allow for the payoff letter from their attorneys to get generated so we could move on with the loan. Today is XXXX. Ditech underwriters said they will not give me an extension because they followed all the rules and don't have to give XXXX XXXX  what they asked for. Further, they said that all the payments I made thus far will be null and void and I will have to go through the long process all over again and wait to see if they will accept me back into the program. My problem is that even if I can get back into the program, we will run into the same problem where they will have to produce the paperwork the way the Federal Government requires and I will be in the same position 6 months from now because it will still have to go to XXXX XXXX for the subordination agreement,.
Consumer complaint received 2019-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (TX)

Discover Card closed my account for inactivity. I had not used the account since last XX/XX/XXXX. I explained to Customer Service that I always made my payments on time. I always use this account for larger purchases and I had not made any large purchases in the last year or so. 

The other two reasons Discover Card listed. I have high balances on outstanding cards. All with 100 % on time payment. I only use a few cards to manage my credit. At 23 % interest the Discover Card is not my first choice for day to day transactions. 

Also Discover Card says I have no installment loans. I own my car and my {$900000.00} house is mortgage free. How is that bad? 

I asked to speak to the Retention Department. They informed me they could not help since the account was closed that the notice had already been sent by mail on XX/XX/XXXX. I told them I had not received anything in the mail - that the email was my first notification. I received an email on XX/XX/XXXX with the news. No mail was delivered on XX/XX/XXXX due to Legal Holidays. The email was my first notification received at XXXX XXXX CDT. I called Discover Card immediately. 

I have had this account for 6 years. By canceling my account - which is in good standing - never late with a payment - the reduction in my overall credit amount available of {$14000.00} hurts my credit score for future prospective creditors to examine.

I am not hurting my credit score - Discover Card is hurting my credit score - Unjustly. This will cost me money on higher interest rates in the future.
Consumer complaint received 2019-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (VA)

On XX/XX/2019, I submitted a request for verification of bankruptcy regarding bankruptcy that is on my credit report. The request for verification was sent via certified mail with a delivery receipt and was received on XX/XX/2019, as can be seen in the attached scan. I waited the 15-days for a response, as stated in the FCRA, with no response from the credit bureau being provided. On XX/XX/2019, I sent another certified letter with a delivery receipt, explaining that I have not received communication back regarding my request for verification of the bankruptcy that is on my account and expressed the need to have the bankruptcy deleted as it is negatively impacting my financial status. The most recent letter was received on XX/XX/2019. As of today, I have not heard anything back specifically addressing the verification of the bankruptcy that is on my account. Today is XX/XX/2019, and it has been over 30-days since the initial letter was received.
Consumer complaint received 2019-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion removed the fake addresses, places where I have never lived or done business, put there by identity theft. However, TransUnion didn't update my personal information to remove old addresses, places I lived more than 10 years ago. TransUnion has got an address on my credit report that is 13 years old. I have repeatedly asked and tried to update my credit report to remove the old, outdated information, but TransUnion is clinging to the old, outdated addresses, which don't reflect me, or my life, or anything about me.
Consumer complaint received 2019-12-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX XXXX provider and Bank of America. I subscribed for a limited channel after 3 months the rent was increased for reason of more channels. I declined, telling them I do not need any more channels to watch. They continue charging me more so I CANCELLED the service in XXXX. In XXXX they charged me {$99.00} for unreturned equipment. I asked ( phone and tru E-mail ) them what kind of equipment. I took them a long time for the reply. They finally told me it was the XXXX. On XX/XX/XXXX I sent it back thru XXXX. and went to BOA office in XXXX XXXX, Ca. to dispute the charged of {$99.00}. On that day Financial Officer of BOA called XXXX  and told them the the XXXX was returned by XXXX  and gave all pertinent info including the tracking number. XXXX   agreed to reversed ( CREDIT ) the charged.XXXX promised the credit in 2 weeks. XXXX   still pursue to charged me {$99.00} for unreturned equipment that I returned in XX/XX/XXXX by XXXX. From XXXX XXXX XXXX I have called BOA ( 4 different times ) giving them info about the receipt from XXXX. I am very angry with BOA. We have 3 accounts and mortgage account with them and they are not helping me as customer, instead siding with XXXX. The charge of {$9900.00} for " unreturned equipment '' is unethical. I really need your help in resolving this UNETHICAL CHARGED. Thank you and I am grateful. XXXX XXXX
Consumer complaint received 2019-10-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (CA)

I request a debt validation letter. I received an update from my credit monitoring software on XX/XX/XXXX that my credit accord was lowered. I contacted I.C. Systems Inc and asked why the date was wrong and requested a debt validation letter and he refused to send it. This was the first time learning about this companys attempt to collect a debt.
Consumer complaint received 2019-12-25
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account.
Consumer complaint received 2019-12-24
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. (NY)

i am filing this complaint because XXXX, transunion and XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these account, under section 611 ( 5 ) ( a ) of the fcra- they are required to promptly delete all information which can not be verified ; that i  have disputed. please resolve this issue immediately
Consumer complaint received 2019-10-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (CO)

I had a loan from a XXXX XXXX place that i paid back and somehow they reported it and sold a loan amount to a collection company only now it is twice as much. I have attempted to get the company to confirm the debt and where the charges are coming from as well as show the payment that i made but it it has not helped. Please help me as this is doing extreme damage to my credit report
Consumer complaint received 2019-10-15
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HOVG, LLC (TX)

Company calls my number several times every day, always from a different number. They demand personal information such as home address, social security ( last 4 digits ), birth dates without identifying who they are or why they are calling. Even after repeated requests that they stop calling and harrassing, they continue. 

In addition, I set up a payment plan to pay the bill in question. Immediately after making the first payment, the phone calls intensified in frequency. When I tried to make the next bill payment, my online payment was rejected. When I called to find out why, they claimed that I had the wrong creditor and gave me a new creditor 's name, claiming that they name of the company I owed the money to was the name of a doctor. 

I requested documentation of the debt under the name of a new creditor, and the manager stated that he did not have to send that to me.
Consumer complaint received 2019-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/2019, I submitted a request for verification of bankruptcy regarding bankruptcy that is on my credit report. The request for verification was sent via certified mail with a delivery receipt and was received on XX/XX/2019, as can be seen in the attached scan. I waited the 15-days for a response, as stated in the FCRA, with no response from the credit bureau being provided. On XX/XX/2019, I sent another certified letter with a delivery receipt, explaining that I have not received communication back regarding my request for verification of the bankruptcy that is on my account and expressed the need to have the bankruptcy deleted as it is negatively impacting my financial status. The most recent letter was received on XX/XX/2019. As of today, I have not heard anything back specifically addressing the verification of the bankruptcy that is on my account. Today is XX/XX/2019, and it has been over 30-days since the initial letter was received.
Consumer complaint received 2019-12-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Prior complaint # XXXX. Contacted you twice already and SLS wanted 60 days to fix this problem. Everything 's on computer so why 60 days. They gave a fax number. I faxed my bank statement reflecting the XX/XX/2019 payment they did not record and lost and then reported us late from then on wrecking our credit. They said they wanted the entire statement not just the page, so I faxed that and then even though I have confirmation, they say they did not receive it. THEY NEED TO BE PUT OUT OF BUSINESS! I am current. I have confirmation of payments for XXXX and XX/XX/2019. When I tried to pay the last one online it would only allow a double payment so I usps priority it. My husband is a veteran and we are senior citizens. Today, XXXX eve, we received a letter saying we are in default, owe XXXX, and ready for foreclosure. WHAT ARE THEY DOING WITH OUR MONEY? CAN YOU PLEASE, PLEASE HELP! I am sick from this. Thank you. Attaching both letters and both statements received today.