davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Here 's the history of my saga with Bank of America : XXXX  of XXXX - I don't have the exact date. 
I notified B of A credit card fraud department after seeing it in my credit report that I had a claim against me. I assumed it would get resolved much like it did with XXXX credit card with the same identity theft. Both credit cards were obtained using an old mailing address and not obtained by me. 

Early this year - I received a summons and complaint form Bank of America to appear dated XX/XX/XXXX. 

On XX/XX/XXXX after numerous attempts to get someone who understood my situation, I got hold of XXXX at the fraud dept. I explained that I never heard back about my claim until I received the summons. They provided me with a case ID number XXXX. 

On XX/XX/XXXX I finally received a letter from B of A requesting for back up materials. 

On XX/XX/XXXX I faxed all the requested documents. 

More documents were requested on a letter dated XX/XX/XXXX. I mailed those documents on XX/XX/XXXX through the US postal service. 

On XX/XX/XXXX I called and spoke with XXXX, since I still hadn't heard back. 
XXXX informed me that my case was closed and declined on XX/XX/XXXX. He kindly re-opened the case for me and asked that I fax over all the materials again. 

I received a letter dated on XX/XX/XXXX with another decline. 

On XX/XX/XXXX I made numerous calls to get connected to a supervisor. I was told by XXXX that I needed to prove that the money advanced from the credit card into a B of A checking account under my name, was not my account. XXXX said I would need to contact B of A to file a separate claim, which I did. 

I received a letter dated XX/XX/XXXX from B of A checking to send backup information to the claim. On XX/XX/XXXX information was mailed to B of A checking. 

I received a letter from B of A checking dated XX/XX/XXXX acknowledging that I wasn't the person responsible for opening the account and they would notify the credit bureau and internal departments to stop the collection effort and remove this stain form my credit history. 

On XX/XX/XXXX I spoke with XXXX XXXX at B of A credit card. He asked me to fax over the letter from B of A checking to XXXX XXXX at Bank of America Credit Crd. 

Dated XX/XX/XXXX I received a letter from B of A credit card being denied again.
Consumer complaint received 2020-11-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (VA)

On XXXX, I got a court summons that I was being sued by Midland Credit Management over a XXXX XXXX account. Prior to this statement, I did not even know that Midland owned the account. I hadn't received any other type of notification from Midland regarding this account. I tried calling to work out a payment plan or a settlement but they would not accept anything because it was already in legal collections. I have gone online and made two payments and contacted them multiple times since then to try to make arrangements but they continue to tell me that they plan to sue and not work with me even though I am trying to make payments and work this out. I asked to speak to a manager and they wouldn't transfer me to anyone when I called today. The collector didn't notify me of the full mini miranda when I called today as well.
Consumer complaint received 2020-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/20 A withdraw for the amount of {$98.00} dollars was done at a NON- Wells Fargo ATM out of my checking account. Some time later after going over my bank statement I recognized the withdraw as NOT my own. I rarely use NON Wells Fargo ATM 's for withdraws, the withdraw happened in a town where I do not live and the withdraw was allegedly done from a Sushi Restaurant ATM. I absolutely do NOT eat Sushi. 

After calling WF fraud dept. and speaking with a claims rep I was put on hold and then told my claim was denied. Based on their claim that my card was inserted into the ATM and my PIN was used. The rep claims that " WF debit cards with the CHIP can not be duplicated or cloned '' And that I was the one who made the withdraw. 

He canceled my debit card non the less and said that I would be receiving a new card in the mail and that my claim was denied and closed and I would be receiving a letter with an explanation. 

I received a letter shortly after with basically the same information as above. Along with a separate letter with a New Debit card.
Consumer complaint received 2020-12-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (PA)

I am XXXX   years of age and retired I chose to sell my home in XXXX Pa and move to the XXXX area, specifically XXXX Pa The condo in the complex that I was interested in purchasing only permitted a select few underwriters to sell mortgages. One was US Bank After weeks of deep dive questions, I was approved for a mortgage loan at 2.75 % for 30 years. 
I sold my house in XXXX and loaded the truck with all my possessions on XX/XX/XXXX I arrive in XXXX Pa on XX/XX/XXXX scheduled to settle on XX/XX/XXXX at XXXX XXXX  At XXXX on XX/XX/XXXX I received a call from US Bank that the mortgage was not approved because they had not received information form the condominium association in a timely manner. 
My truck with all my belongings was parked in front of the condo to be, I was homeless My realtor prevailed upon the seller to let me move in and rent and the rep from US Bank said the she would cover the cost of the first month 's rent, which remains in question I have just today received notice from XXXX XXXX  that they will underwrite the mortgage but at a lesser time of 15 years and a higher rate of 3.25 % then an ARM kicks in This will cost me an extra {$200.00} per month over the original note This was clearly bait and switch banking and it should not be allowed to occur
Consumer complaint received 2020-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (WI)

This is a complaint against or with Comenity Bank and their XXXX Visa Card. 
on XX/XX/XXXX I used my XXXX Visa Card ( Comenity Bank ) to pre-order the XXXX XXXX XXXX through the XXXX website. 

Subsequently, there continued to put near weekly pre-authorization charges on my card until the item was finally charged to my card/account on XX/XX/XXXX. 

The item was then delivered and received on XX/XX/XXXX. 
With this, one would expect that any remaining pre-authorization charges would be removed from the account. However, 8 weeks later, my credit card continues to show 4 pending pre-authorizations amounting to over {$2100.00}. 

During the timeframe of XX/XX/XXXX through XXXX ( today ) I have reached out to both Comenity bank multiple times ( both Tier 1 and Tier 2 customer service reps ) ; then I also reached out to XXXX customer service who did a technical ticket that verified this was an issue with Comenity Bank 's oversight of the account pre-authorizations. 

Thus, on XXXX I wrote a desperate email to the CEO of XXXX requesting help. Then on XXXX XXXX executive offices contacted me and we spent several hours on the phone with Comenity Bank customer service reps, ultimately ending up with Account Supervisor on XXXX. The account supervisor was unable to provide any assistance other than to submit a technical IT Ticket to review the account and order. 

This supervisor stated that they have issues or a new policy that pre-authorizations are being held for an additional 120 days after delivery for XXXX pre-order purchases -- except this purchase was for an XXXX XXXX XXXX. 

The account supervisor says we can not dispute the pre-authorizations because they are not " posted '' transactions. However, since the money is being held, it's as though I am being charged for the pre-authorizations, but I already received my purchase and item. 

Ultimately, the issue is that {$2100.00} of my available credit is being withheld by Comenity for an item and purchase that has already posted to the account and the item was successfully delivered from XXXX
Consumer complaint received 2020-11-30
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (CA)

SANTANDER CONSUMER USA XXXX Current Payment Status : In Collections/ChargeOff My car was totaled by a drunk driver while parked. My insurance company paid the full value of the car and what was left over around XXXX $ XXXX XXXX was from a extended warranty that I could not get a refund for. I eventually settled and paid, but Santander is reporting the account status incorrectly. 

Please see the reference article where Santander has settled for such practices. 

XXXX XXXX  XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-11-29
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: Pressler & Pressler, LLP (PA)

In 2015, I paid this debt off via bankruptcy court. I completed a payment plan. Years later, I forgot I paid it off and found the court documents last year. I started paying again so they actually owe me money. The last company I was paying is Pressler, Felt and Warsaw. There are various account numbers.
Consumer complaint received 2020-12-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- -- - ALL NAMES are NOT MINE -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - ( XXXX ) XXXX ( XXXX ) XXXX < -- -- ALL PHONE numbers are NOT MINE. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX < -- - ALL ADDRESSES are NOT MINE. 

XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Potentially Negative Status Account charged off. {$21000.00} written off. {$21000.00} past due as of XX/XX/XXXX. 
Account Type Business Card Balance {$21000.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX XXXX XXXX Potentially Negative Status Account charged off. {$17000.00} written off. {$6800.00} past due as of XX/XX/XXXX. 
Account Type Credit Card Balance {$17000.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX XXXX XXXX XXXX Potentially Negative Status Collection account. {$910.00} past due as of XX/XX/XXXX. 
Account Type Collection Balance {$910.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor APP XXXX Dispute XXXX XXXX Potentially Negative Status Open. {$380.00} past due as of XX/XX/XXXX. 
Account Type Education Balance {$11000.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute < -- -- -- ALL ACCOUNTS LISTED are NOT MINE. FCRA violation. 45 days to settle, FTC violation by law
Consumer complaint received 2020-11-25
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. (MO)

XXXX continue to receive letters from The Kentucky Higher Education Student Loan Corporation advising my loans are in default which is incorrect and a blatant lie. I believe they are trying extort full payment of my loan to keep the information off my credit record. I am current on my loan payments and have been current for approximately several years.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2020-11-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the third complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to TransUnion, XXXX and XXXX. The complaint numbers were XXXX ( XXXX ), XXXX ( TransUnion ) and XXXX ( XXXX ). The second attempt was made on XX/XX/2020 and was also accompanied by direct bureau disputes. Those complaint numbers were XXXX ( XXXX ), XXXX ( TransUnion ) and XXXX ( XXXX ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my dispute on XX/XX/2020. This is not a delay : this is negligence on the part of TransUnion, XXXX and XXXX, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by any of the bureaus to resolve anything. There has also been data that was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. TransUnion, XXXX and XXXX must be held accountable and to the standards clearly outlined in the FCRA.
Consumer complaint received 2020-11-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (CA)

I have a car loan with Westlake financial bank and they take the car last year and they give me offer to pay {$950.00} and close the account I didnt have the amount in XXXX they call me and I take with customers service and I give them offer to pay {$400.00} and then next month {$200.00} and close the account they say yes I pay the {$400.00} and when I called this month to be the {$200.00} they tel me we cont make the deal I told them you Broke the deal that we made and thats illegal I want my money back and they refuse do anything
Consumer complaint received 2020-11-28
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)

I my complaint is with my loan services XXXX. In XX/XX/XXXX. I experienced a hardship and found myself homeless. I was living online hotels and shelters with my XXXX  year old son. I was having such a difficult time that my loans fell out of deferment. In XXXX I contacted XXXX customer service and explained that I was homeless and need to request assistance. I was advised by the representative that I qualified for hardship and that she would retroactive the account status back to the initial time that I was evicted. The representative explained to me that she would send the request to the credit department and that my account would be brought back to current. I was asked to allow 30 days. The next month I checked my credit report and it was still showing the 90 day late status. I called again and was advised again that the credit department will update the status. This never happened. In XX/XX/XXXX. I submitted a good will dispute as advised by the respective to the credit department at XXXX. Never received a response. I made several phone calls to XXXX about this issue over the past almost 2 years. To no avail. The representatives are not helpful and they do a poor job of communicating and documents. I even uploaded my eviction documents as requested to the portal. I submitted 2 other disputes because I was told that they can not remove the lates payments. They have been servicing my loan since XXXX and my credit report shows several months of no reporting of data. They have never accurately reported the status of my loan. By law according to FCRA. They are required to report complete and accurate data. They have missed 6 months of reporting in most of the years of my loan. I also showing 3 different account numbers being reported on each of the Credit Bureaus, which is a clear violation of FCRA 609. I argued that how can you report a late payment on a hardship, but also not report accuracy each month on my loan? I'm asking that ALL inaccurate and derogatory entries be removed from my credit report IMMEDIATELY!
Consumer complaint received 2020-11-28
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. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I mailed in a mortgage payment check which the lender 's sorting machine destroyed, I called in the payment, and the lender drafted the funds from my personal checking account which cleared without any issues, I received a letter telling me that the payment was returned without being honored, I faxed proof that it cleared, they said that the did not receive the fax, I uploaded the proof to the website that the payment had in fact cleared the check I did a 3 way call between the lender 's representative named XXXX and a representative XXXX from XXXX XXXX XXXX ( the bank that the funds were drawn from ) and she confirmed that the funds did clear without any glitches, I need assistance getting this situation resolved as the Mortgage Lender is not cooperating at all
Consumer complaint received 2020-11-27
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. (NY)

All XXXX accounts should reflect Discharged/Paid In Full as per FTC Federal Truth In Lending Disclosures and Billing/Credit Reporting Act. And, there should be No Deragotory Information based upon conditions of Discharge.
Consumer complaint received 2020-12-04
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: Experian Information Solutions Inc. (NJ)

I am unsatisfied with their investigation results because I have not been provided with any documentation ( ex : signed contract, itemized bill ) and I honestly do not recognize the company name or ever having an account with them. I need this account on my profile flag as disputed fraudulent. Experian didnt even include a comment at the end of their investigation that mentions that I am disputing that this account does not belong to me and the agency should be required to provide the documentation they used to determine the validity of of the account during their investigations. Also the agency should not be allow to retaliate against the customer for submitting a request for an investigation. 

I submitted a dispute with Experian around XX/XX/XXXX because there is an account from 2016 I do not recognized ( RE : XXXX ). There is no information on my profile as to who this company is. Did they provide Experian with a signed contract and an itemized bill? I have never received an itemized bill from this unknown company or any sort of documentation or letters from this company. I do not even know what the letters of the company stand for. Experian investigations often do not check for proper documentation. When an investigation is completed, it should be required that they should be providing the customer a copy of the documents that were provided as part of their investigation. 

The second complaint is the idea that Experian seems to retaliate when a complaint is submitted. I submitted a complaint because I do not recognize the company on file. They completed the investigation and my score went down XXXX points. This sounds like a practice to discourage people from submitting a request for an investigation. This should not be allow.
Consumer complaint received 2020-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (NY)

My credit card was charged with transactions that are NOT mine. Mostly in the form of cash advances which I don't use. The bank has declined my dispute, please help me. TD is not protecting my credit / funds and it is destroying my credit and spending money I dont have. They have told me It is my responsibility to request camera footage from bank ATMs. I need guidance so this stops and to recover from the fraudulent transactions. Please help.