davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-16
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX I finally received my card from edd and bank of America. The employment benefits had gone all the way back to XXXX when I had lost my job cleaning houses and visits with my newborn daughter due to Corona Virus. I was in the middle of going to court and was bouncing around homeless cause of my family 's homes being burned in the XXXX in 2018 and then my husband leaving me stranded and pregnant with my daughter. Whom I delivered on My birthday and Thanksgiving day. My friend told me about the unemployment benefits cause she knew I had been struggling and didn't even have a car. I signed up and then was sent a card and there were XXXX on it. I spent XXXX on a car and different household items for a house I was renting a room from. I bought insurance for the car for a year and then I was debating on an attorney or a place of my own to live with my newborn. However, there was the bear fire and we were evacuated from the house I was living in. I had found an attorney to stop the termination of my rights and right when I went to pay her the account was frozen or they say closed to verify my identity. I don't know if it was because I changed my address or cause I did a XXXX XXXX to myself to get more money off the card than it was allowing me to withdrawal cause I was trying to pay off some debts and get people out of my hair. That was in XXXX. Meanwhile, I finally get told I need to send proof of my i.d . I send my bank statement and my driver 's license. Which come to find out they didn't think was good enough. I had to drive to go get my birth certificate because everything burned in the fire. I get that and send that and driver 's license and that was in XXXX early XXXX. Then they say I have to file an appeal with unemployment. I finally get the paperwork for that in XXXX and send it back than I get a letter from unemployment stating I had withdrawal for child support and a XXXX $ check. I am thinking the bank should release my card now. I have been shuffled back and forth on hold. The end has stated they have released my card multiple times and the bank says they have to have a check sent to me when my card is sitting there with almost 10,000 cause funds were still going into it. If EDD had my card then how were funds still going into it!? Now it is XXXX I have lost my parental rights to my newborn and am staying with my friend in redding and have all the documents. I have even gone to the bank of America bank in XXXX in person to show them my documents to just be told to get a hold of edd. Edd is not the problem it is the bank but how do I prove to them I am who I am to release that money? This is ridiculous and so unfair.
Consumer complaint received 2017-12-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MD)

After undergoing several hardships over the past XXXX year to include family XXXX, my XXXX XXXX XXXX XXXX, several treatments of XXXX, to include a XXXX XXXX XXXX and subsequent hospitalizations from being ill, I fell behind on my mortgage. In pursuit of obtaining a loan modification and placing the arrears on the end of the loan, I hired an attorney to represent me in saving my home from foreclosure ; however, I was not notified of the foreclosure until after the sale. 

Currently, I am still undergoing treatments under hospitalization and enduring a significant amount of stress from not knowing the current status of my home. I have repeatedly called the lender ( Bayview Loan Servicing ) and XXXX XXXX and have not received any concrete information from them but have subsequently received an " IMPORTANT NOTICE ABOUT EVICTION '' from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Email : XXXXXXXXXXXX.
Consumer complaint received 2020-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Hello, Somehow I ended up in a recurring monthly expense of about {$24.00} for TransUnion credit monitoring. This is certainly not something I knowingly signed up for. I did recently view my credit in the process of preparing to buy a house, but I did not knowingly sign up for a recurring monthly service. This seems like a deceptive business practice. I only discovered this after my credit card company flagged one of their monthly charges as a possible fraudulent charge. 

Thank you!
Consumer complaint received 2022-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting Act XXXX  XXXX  XXXX, XXXX  XXXX XXXX  XXXX, has violated my rights. 

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 instruction
Consumer complaint received 2020-10-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pinnacle Credit Services, LLC (CA)

On XX/XX/XXXX, I paid off a debt from XXXX  XXXX Collection company XXXX XXXX XXXXPinnacle Credit Services. Paid by money order {$320.00} by certified mail, received from XXXX  letter stating paid in full, everything fine, On XX/XX/XXXX, I received a letter this time from XXXX XXXX/Pinnacle Credit Services stating I owe the amount but if I pay half. That constitutes Mail Fraud under 18 USC 940 ( section 1341 ) I made all copies of all my documents back from XXXX including certified letter, and money order to XXXX. In addition, I contacted the original collections, XXXX who stated " everything was paid off years ago, creditor notified ''. This is a scam and needs to be investigated. How many people pay off their debts, forget about it than get a letter saying if you pay half? This is deception in it's purest form and constitutes the legal basis of fraud. This agency and the FTC needs to investigate immediately and shut these operations down. I have these companies ( 14 ) days to correct their activities otherwise I will file in a California Superior Court. In addition, will file a complaint with the California Attorney Generals Office.
Consumer complaint received 2020-10-27
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. (VA)

You XXXX  are playing hardball and stalling. Keep it up and we will be in court! That's a promise, not a threat! I have full rights to take you to court for violation of my rights per FCRA. 

i continually contact you crooked credit bureaus about inaccurate, unverifiable information that's being reported and you refuse to properly investigate or verify the items in question. 

XXXX  XXXX XXXX is reporting 3 different dates last active, different last payment dates, different payment history etc.THIS IS ILLEGAL!! All information has to be accurate, verifiable and complete according to the FCRA. 

XXXX XXXX XXXX is reporting a past due amount on a collection which is in violation of the FDCPA! 

remove these accounts NOW!
Consumer complaint received 2020-10-08
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: DISCOVER BANK (MD)

I paid for parts and labor to replace my air compressor in my HVAC system. It turns out that the man who wrote the invoice and owns the company only has an apprentice license in the state of a Maryland. By law in Maryland, he is not permitted to do this. He installed the compressor by himself, I have a witness statement to that affect. This is also against the law in Maryland. I have turned him into the Maryland Department of Labor. I took him to civil court and lost my case because I did trot have my witness who examined his work. The judge told me it was irrelevant in civil court that he broke the law because I was suing for my money to be reimbursed. 
I sent 72 pages of documents to Discover and they have done nothing. This man entered into evidence the contract between us and his fathers master restricted license in HVAC repairs and installation. His father was never on my property but the man who installed it admitted that he installed the air compressor himself. He stated that his father was his overseer, but under Maryland Law, the apprentice May NOT do any work without a Master on the job site. So this man entered into a contract with me, against the law, installed the compressor himself without ANY supervision, and Discover still has the charge on my bill.
Consumer complaint received 2017-12-28
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BlueChip Financial (TN)

A company by the name of XXXX XXXX XXXX said they purchase a debt from XXXX  and they have been harassing me non stop. Today they cursed me and say they would come to my house ... .I told them if they were legit sue me and not contact me but instead they keep calling. There number is XXXX
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC (NC)

A collection item recently appeared on my credit report The collection account is reporting in error. 
1 ) The collection company is National Credit Adjust the original creditor is XX/XX/XXXXthe first problem is I have never been contacted via phone or mail from the collections company, I have never sign any contract or received service from National Credit Adjust company 2 ) The original creditor XXXX appears on credit report showing same account number and listed as discharged in bankruptcy The problem is the collection company CAN NOT collect without a Contract or agreement CAN NOT collect on a discharged bankruptcy item Also the credit bureau cant not reference both accounts same account number with two different companies attempting to collect discharged debt Im requesting both validation of debt showing my signature, address and consent to service Proof that the collection company is licensed in my state Proof that services were provided to me with my consent
Consumer complaint received 2020-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Two recent inquiries to my Experian account that I did not initiate. I tried to call and you can't connect to a live person.The phone number only has automated answers. No email or chat options. This is beyond frustrating. Your credit report is one of the most important docs to a person. It affects everything. The law should require adequate access to live help. You can never get through to anybody.
Consumer complaint received 2020-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had an auto loan with XXXX XXXX  with a XXXX XXXX XXXX. I lost my income for about 3 months and the vehicle was repossessed a day before I had all the money to pay XXXX but they did not want to negotiate or work together. I attempted to settle that balance XXXX of XXXX and they told me to contact a third party collector by the name of XXXX. XXXX explained to me that the balance would be considered paid in full and XXXX will report the balance as XXXX, paid in full and closed. After 60 days my report reflects a remaining balance still of now {$3800.00}. I have contacted XXXX and they claim it has been done but not according to my report. The confirmation number for payoff is XXXX with XXXX. The account number with XXXX is XXXX.
Consumer complaint received 2020-09-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Halsted Financial Services, LLC. (TX)

XX/XX/2020 To whom it may concern : I would like to file a complaint against a collection agency by the name of XXXX XXXX Halsted Financial Services , LLC . 

I just recently received a request for payment on a collection debt in the amount of {$590.00}, from XXXX XXXX XXXX Halsted Financial Services , LLC . 

Neither one of these collection agencies has ever contacted me to verify any debt, yet XXXX XXXX XXXX, has placed this fraudulent collection account onto my credit files, and I want it removed immediately. 

XXXX XXXX XXXX has placed this debt onto my credit files with a date of XX/XX/2020, as though this debt was created this year, when I have had no dealings with them, or anyone that they are affiliated with. 

This fraudulent date of XX/XX/2020, was intentionally placed onto my credit files to destroy my credit rating, and I want it removed. 

A few years ago, I had to have attorneys to contact this collection agency, because of slander of credit on my credit files, as well as, they are good at falsely reporting fraudulent collection information to the credit bureaus, XXXX XXXX XXXX will falsely lie about dates, as they are doing now on my credit files, as well as they falsely re-age and falsify information I dont owe XXXX XXXX XXXX/Halsted Financial Services, LLC anything, and I want any and all derogatory information that they have placed onto my credit files removed, immediately. 

A few years ago, I ended up taking XXXX  to court, because between them and XXXX XXXX XXXX, they fraudulently and falsely continued to slander my credit, and XXXX XXXX XXXX, was behind all of the lies and false information. 

The only mistake I made the last time while going to court was that I did not take an attorney with me, I was met with prejudice, and I will make sure I am fully represented this time, if need be. 

I want hard copy proof in writing that they have removed this collection account and all derogatory information from my credit files, and I want XXXX XXXX XXXX Halsted Financial Services XXXX LLC/ XXXX XXXX XXXX XXXX to cease and desist from ever contacting me again. 

On the credit file, they also list XXXX XXXX XXXX as well, and I want them included in this complaint as well. 

As I have previously explained that I have dealt with this crooked collection agency before, and XXXX XXXX XXXX, and XXXX XXXX like to play a game that neither XXXX or the other is responsible for the collection, all I know is that no one has ever contacted me to verify this debt, and they have no right to ruin my credit files with it. 

XXXX XXXX XXXX Halsted Financial Services XXXX XXXX XXXX XXXX XXXX, can contact the Consumer Financial Protection Bureau XXXX and the Consumer Financial Protection Bureau XXXX XXXX me.
Consumer complaint received 2020-10-07
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. (NV)

There are creditors on my credit report that I do not recognize. I am disputing them for a full removal. I am not a credit repair company, and since I am sending you my personal documents, I can assure you I am who I say I am. Please remove the listed items off of my credit report as it is hindering me from buying a house. Thanks.
Consumer complaint received 2020-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For Transunion/XXXX/ XXXX & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. I represent that I do not owe any balances to any of these creditors nor have I ever applied for any services under these corporations or advised any to open credit it my name! 
You keep telling me that I am not the person submitting my own investigation and takedown request. Do you think I dont know how to write? I will file a discrimination complaint against you as well, if you continue to deny my request. 

XXXX/XXXX ACCT : XXXX XXXX : {$130.00} XXXX  XXXX XXXX ACCT : XXXX XXXX : {$250.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$500.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$630.00} XXXX XXXX XXXX/XXXX XXXX XXXX XXXX ACCT : XXXX ACCT : XXXX AMT : {$2300.00} AMT :  {$250.00} Also, the following unauthorized Credit Inquiries must be removed immediately without prejudice : XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have continuously been in contact with XXXX, XXXX and TU via the CFPB. Investigations have been continuously submitted. All CRBs seem to gloss over my request with pleasure. 
This is again a demand to remove and block erroneous and fraudulent information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 




I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX
Consumer complaint received 2017-12-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Eastpoint Recovery Group, Inc (CA)

East Point Recovery group has continued to call my employer, family members and landlord after I 've already provided them with my cell phone number and told them that I am working with a debt consolidation company. I even gave them my account number and phone number to that company handing my debt.
Consumer complaint received 2017-12-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (RI)

XX.XX.2017 A wire transfer was made in the amount of {$20000.00} based on a fraudulent email received by our accounting department. Please see attached email chain.

We contacted Santander within 30 minutes of making the transfer and spoke with a rep whose name we have, who assured us that he would inform XXXX XXXX to stop the transfer. Later that day, our VP contacted the fraud department of Santander and they also assured him that a reverse action would be taken. Two days later, I contacted the supervisor of the wire transfer department and she told me that she generated a fraud claim # XXXX. As of today, no one a

t Santander knows where the money is. I filed a police report and sent a copy to Santander.
Consumer complaint received 2020-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NC)

On XX/XX/XXXX, chime put a suspension on my account. For context, I had just moved to north carolina and had signed up for unemployment, mainly due to the fact i had a XXXX  scare back in XXXX and didn't sign up back then. I was accepted by the state of north carolina and handled it all with them, and used my chime account to recieve the unemployment through direct deposit. Everything was going fine until XX/XX/XXXX when they put a suspension on my account for " suspicious activity ''. This was all coordinated through email, they asked for info to verify I was me, so i gave them what they asked for, but in turn revieved another email shortly after asking for MORE. So I decided to give customer support a call, considering there was upwards of XXXX XXXX dollars in my account. The lady was nice and a comodating, had me verify some purchases and info, then told me i was good to go and everything was unlocked etc. It wasn't, i even tried using my card later to make sure and it was declined. So I gave it a day thinking it just needed some time to process. It didn't, so I replied to the email i had before i called customer support, and gave them MORE info, including my Social security card, a picture of me holding my id next my face, and proof of address. Again, this wasnt enough for chime, and they sent me another email asking for MORE. So again, i called customer support, and this time at least the man i spoke to was honest with me, looked at the emails and documents i had provided, said it would be enough but i just had to wait for the higher ups to get back to me. Shortly after that phone call i recieved another email again asking for more info, with more misleading context. At this point i was beginning to think i was being scammed, but how could i be scammed by a legitimate corporation? So I sent my final email with my concerns and worries, and shortly after, they emailed me back saying my account had been shut down and my remaining funds ( almost XXXX XXXX dollars ) were non refundable. I tried calling chime, but it is now an automated voice message saying i need to email. But ive gotten nowhere with email and them. I called XXXX, and there was nothing they could do, so i called the other bank that is associated with chime, XXXX  XXXX. They said the same things, except when I talked to a supervisor they said that it was the " written '' department that had handled my account. Ive contacted an attorney who is going to take on the case, and I advise anyone who uses chime to switch banks immediately.
Consumer complaint received 2017-12-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY (PA)

Hi I had a Heloc with Wells Fargo & called on XX/XX/XXXX to ask for my pay off amount.They said it was XXXX plus XXXX a day after that.I went to their branch on XXXX XXXX in XXXX, Pa with a certified check for XXXX at XXXX XXXX est.The branch took my money & said the loan was paid off & closed.I went online the next day & it showed as a pending payment.I called Wells Fargo & said why is my loan still showing up online with a credit of XXXX, they said it takes a couple days & the branch did not ask me to sign a document that had to be signed.I called on XX/XX/XXXX & said how would I be getting my credit for XXXX & they said I would not be getting it back due to county fees.Why did they not tell me about these county fees when I asked for the payoff amount? Now I have to go back to the branch tomorrow in 0 degree weather because they dont know how to close out a loan.Also they said I would be credited the XXXX but on the phone call today XX/XX/XXXX they said nothing would be credited.I have been a loyal customer to this bank for 12 plus years & they are going to lose my mortgage, checking & savings account if they dont make this right.Thank you.Bottom line, I want my credit & a apology from management on this nightmare.