davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

A deposit slip was filled out with my account number, name etc. and {$100.00} cash was with it to be deposited into my checking account on XXXX XXXX, 2017. The deposit was made into my account and cleared. Several days later on XXXX XXXX, 2017 an adjustment to my account was done without my consent or knowledge deducting {$100.00}. I spent many hours and phone calls trying to figure out why? None of the Bank of America representatives I spoke with could figure out what the issue was. I was given case # and reference # for each call told someone would get back to me and advise me what the issue was and no one ever did. I continued to call in with still no explanation or resolution. I received a letter stating that a posting error was made to my account but no further details were in the letter. One representative told me to go to my local branch and speak with the Bank Manager and that they would be able to resolve the matter and credit my account back the {$100.00}. Not the case after going to the local branch which I was at for three hours, the lady that was supposed to be helping me brought me to her desk called customer service on her phone handed me the phone then she grabbed her purse and lip balm and exited the bank I saw her get into her vehicle XXXX and drive off leaving me at her desk on the phone on hold. I stood up and motioned for another lady which turned out to be the Manger XXXX XXXX she was shocked at what her worker did and apologized. She was able to figure out what had happened apparently the teller that handled the deposit on XXXX 2017 realized that the person making the deposit who is also a Bank of America customer his account was in the negative so the teller made the deposit to my account as the deposit slip reflects but then she also applied the same deposit to his account as the back of the deposit slip reflects with his account number. She mentioned something about the system that Bank of America uses XXXX and that the error was discovered and that is why they took the {$100.00} back out of my account. This error was made by the teller and has caused me a great deal of inconvenience, frustration, stress and time. I have been a customer with Bank of America for over twenty years and I no longer believe in this institution after what I have gone through. I spoke with several employees and not one knew what was going on. Money was just taken out of my account and it still has not been credited back. I was informed by Bank of America representatives that once a deposit is made especially cash there is no way to go into a customers account and take it out which is what was done so I as well as the Bank of America employees were concerned and at a loss.
Consumer complaint received 2018-07-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC (TX)

A little more than a year ago I refinanced my mortgage with my original mortgage company. Since the refinance the company has sent me my statement late. This past month statement, I received in the mail XX/XX/XXXX and it was due the next day on XX/XX/XXXX. I have contacted them many times and have been told that " they aren't responible for how slow the mail is '', or " my statement is always available online '', or " i don't need the payment coupon to send in my statement ''. The last excuse is that " the statements are a coutesy. '' All these excuses may sound resonable except I dont always have internet access, I have a legal right to receive a " hard copy '' billing statement in the mail ( not just a coutesy ), I also should point out that 12 C.F.R. 1026.41 ( b ), which requires a mortgage lender to deliver or mail a periodic statement within a reasonably prompt time after the payment due date or the end of any courtesy or grace period provided for the previous billing cycle. Receiving the billing statement 1 day before the due date is certainly NOT a reasonable amount of time since I choose to receive my notice by mail. I'm " old school '' and track my billing and spending and payments made through physical statements. With all the hacking and breeches these days I rely on the mailed copies. I need assistance in making this mortage company to understand my legal right in how and when I am to receive a proper statement by mail.
Consumer complaint received 2018-07-13
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: Credit Karma (LA)

I was checking my credit report and a hard inquiry popped up saying that him something about XXXX XXXX XXXX XXXX and I dont know anything about that I didnt agree on that so I will like this remove from my credit karma XXXX report I talk with XXXX XXXX  and they said they have no information also I spoken with XXXX  they tells me to call the police and credit karma is not helpful at all
Consumer complaint received 2017-08-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc. (FL)

silver cloud financial charges a lot on there interest. I feel with the high interest this account would be pay off already. I have already pay XXXX on my loan. interest is very high. my fault for not looking at that more. the interest is 831.1206 %. I would like to have account pay in full and name removed from the website and company. I no longer want to be in that trap with high interest on a installment loan. I now understand them more and do not want to be part of that. please remove and correct. thank you
Consumer complaint received 2022-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: R & B Corporation of Virginia (NC)

Ive been fighting with this company Im not sure where they got this account but I dont owe XXXX no XXXX $ the account has been closed and Im not understanding why they keep reporting to my credit its bringing it way XXXX
Consumer complaint received 2018-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (MI)

I noticed that my credit report was ran 3 times by Chase bank 3 months in a row. 
I did not apply for a line of credit for any of the 3 credit inquiries. The three dates include ( XX/XX/17, XX/XX/17, XX/XX/17 ) I called on Monday XX/XX/XXXX where the representative for Chase said there was nothing they could do and I should contact the Credit bureau since they werent approved for the line of credit.
Consumer complaint received 2018-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

i have been a victim of fraud and id theft, equifax, XXXX, XXXX  all 3 agencies have allowed inquries from companies that i never allowed to use my personal information to obtain or open accounts, cars store, creadit, my name is incorrect i requested all agencies to remove all inquries everyone correct the spelling of my name and updated my correct creadit scores.
Consumer complaint received 2018-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I sent a Goodwill letter to Capital One explaining the severe financial hardship that I experienced which resulted in late and missed payments.  At the time of the late payments, I was going through very serious financial issues.  I have a young child, a full-time job, was in school, and my husband and I were going through difficulties.  To be honest, we still are.  A lot of the difficulties stem from financial hardships.  I say that not to justify why the payments were late because honestly, I was wrong and I know that I was wrong.  However, I would like to show that the late payments are not a good indicator of my actual credit worthiness.  Capital One refused to remove the late payments despite my exceptional credit prior to the hardship.
Consumer complaint received 2017-08-15
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CT)

XX/XX/2017 I want to bring this to your attention. I am a XXXX. I showed a couple a house then advised them to get pre-qualified for a mortgage so we can continue their home search. I then received this email from them : " XXXX called USAA to figure out what we were qualified for in regards to the loan and the person she spoke to informed her of a service that gives you money if you buy your first house using one of their realtors. The opportunity was too good to pass up so she ended up signing a non-compete clause with one of their realtors. '' This does not seem right that USAA convinces & pursuades home buyers to use their " preferred '' realtors by offering to give the buyers money. As realtors we are not allowed to steer clients or get any kickbacks from anyone in relation to real estate transactions. So how is USAA allowed to get away with this? They are stealing clients from good hardworking realtors.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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. 

XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX {$3300.00} XXXX. XXXX XXXX XXXX # XXXX XX/XX/XXXX {$1200.00} XXXX. XXXX XXXX # XXXX XX/XX/XXXX {$3300.00} XXXX. XXXX XXXX # XXXX XX/XX/XXXX {$4500.00} XXXX. XXXX XXXX XXXX # XXXX XX/XX/XXXX {$1300.00} XXXX. XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX. XXXX XXXX # XXXX XX/XX/XXXX {$1100.00} XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX {$1000.00} XXXX. XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX. XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX. XXXX Section XXXX A. states I have a right to privacy. 

15 U.S.C. 1681 Section 604 A. section 2 states : a consumer reporting agency can not furnish an 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 7 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 2018-07-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (OK)

I have dispute this account and they have not provided proof that I owe said amount or contract from there client show I agreed to pay said amount with my signature, but they have report to my credit report as a finial and only notice they will receive : if they don't provide a written contract with my signature I don't consent for them to get my medical report for that doesn't validate a debt nor does a itemized statement the contract should comply with Oklahoma truth in lending laws which requires a signature on a contract amount disclosed for services finance charges if any amount due. 

I do intent to file in Oklahoma court and sue for {$1000.00} per report that its been place on credit repoert
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question
comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-12
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. (FL)

Transunion as well as XXXX  needs to update report as XXXX balance and as a paid and serried charge off as XXXX  has done in their reports which I will send photo of credit reports showing XXXX  reported correctly and transunion and XXXX has not. XXXX XXXX XXXX needs to notified transunion  and XXXX  as a XXXX balance and a paid and settled charge off
Consumer complaint received 2017-08-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harvard Collections, LLC (FL)

XXXX 2017, I attempted to get validation on a medical debt that I believed may not be mine or inaccurate and/or incomplete. I wrote all credit bureaus regarding the issue, as I am a victim of identity theft and wanted to make sure the debt was mine and if so I sought documentation validating the debt was mine to include a billing statement, what amount insurance paid and/or the discounted rate if no insurance was paid, and date of service. During this dispute, the debt was deleted by all three credit bureaus after 30 days as being invalidated. I was informed that the debt would not reappear on my credit report unless the debt was validated and I was provided written notification within 5 days of reinsertion. I was never notified by the collection agency or the credit bureaus of reinsertion, note bearing my signature to the original creditor, payment history on the account, and itemized charges and fees. Due to this violation of the law, I rewrote the bureaus to notify them of the error and illegal practice. XXXX corrected the error because the reinsertion violated the law and removed the collection from my credit file, but XXXX did not due to the collection agency 's illegal practices. The collection agency through its communication did not notify me of the debt, my rights to dispute the debt, or the contact information of the original creditor. Also I have attempted to research the contact information of the original creditor but have been unsuccessful. I XXXX the original creditor and the internet provides data that reflects that original credit is an affiliate of the local hospital and list the local hospital as the contact phone number. When I called the hospital billing department ( XXXX ) I was sent to the emergency department. The ER department said that they do not handle that account and that company has been sold multiple times. They gave me the number to the company that handles the original creditor 's recent accounts at XXXX. This agency said they only handle the original credits scheduling and I was given another number to contact XXXX. I was informed they do not handle this debt and to try XXXX but I got no response. I have been trying to resolve this issue for several months. Please note that my address and phone number has been current with all credit bureaus for months.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I signed up for a promotional offer on their website on XX/XX/XXXX.

It promised a {$150.00} bonus for receiving a {$500.00} direct deposit within 60 days.

My deposit arrived on XX/XX/XXXX ; per the terms of the promotion, the bonus was due XX/XX/XXXX.

When I contacted the bank, they said they needed more info, such as a promo code and how I received the offer. But as I had said, it was an offer on their web site, with no promo code. I will attach screen shots of the offer and promotional terms.
Consumer complaint received 2018-08-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (NC)

I had to leave XXXX due to poor service. The company gave me horrible service since the first month. I took them to court and they never showed up. I switched over to a new company and made a. XXXX I return the phones and they would credit my account. After returning the phones XXXX sold my account. AmSher is trying to collect XXXX from me and I do not owe this amount. I emailed my contact in their office and still dont have a response. I explained to AmSher that this information is incorrect. This debt is invalid and AmSher is illegally collecting on this debt.
Consumer complaint received 2018-07-12
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)

ask the three credit major credit reporting agencies XXXX, XXXX XXXX, experian to remove negative remarks and inquies from my credit report since XX/XX/2018 of this year sent 4 rounds of letters
Consumer complaint received 2018-07-12
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. (FL)

The fact that Equifax is the Worse Company to assist you with disputing Fraudulent accounts from your credit Is not even the big problem at this point besides all the times I've contacted them and the agents where very rude even requested a supervisor and had some hang up on me I provided them police reports waited 30 days for them to say the accounts are. A few months ago I noticed 4 fraud accounts on all 3 credit reports. I called all three CRA 's and they told me to file a police report if I think the accounts are not mine. I picked the police report up from the police department. I made copies and sent it to all CRA 's, I also included a statement saying that the fraud accounts are not mine, that they should be blocked immediately. XXXX and XXXX removed ALL fraud accounts, but Equifax started the '' dispute " process. The 4 Companies are XXXX XXXX opened date XX/XX/XXXX XXXX XXXX opened date XX/XX/XXXX XXXX XXXX opened on XX/XX/XXXX and the fact that XXXX XXXX wrote a letter years back and had it notarized that he was responsible for this account and the fact that even with that Equifax still wouldn't assist with removing this debt the last company is XXXX XXXX date opened XX/XX/XXXX. The Companies all  want to do pay to deletes They were trying to assist but besides me advising them that it was fraud they referred me to Equifax.
Consumer complaint received 2018-07-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MD)

this was a court hearing I did not get to attend and I am getting garnished for something that is not mine. the case was filed on XX/XX/2016 in which I had no idea because of a change in mailing address at that time. the signatures that they have had on file are not mine. this was removed even from my credit report as fraud.
Consumer complaint received 2017-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

I recently received a copy of my credit report and I noticed that this company is reporting not one but TWO negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validatio for both debts. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated.