davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-12
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)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to remove from reporting : XXXX-Balance {$80.00} XXXX  XXXX XXXX-Balance {$6500.00} XXXX  XXXX-Balance {$9900.00} XXXX-Balance {$1000.00} XXXX-Balance {$870.00} XXXX-Balance {$1700.00} XXXX-Balance {$8000.00} XXXX XXXX XXXX-Balance {$2200.00}
Consumer complaint received 2021-11-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Hello, I noticed that I had an issue when I tried to go open a bank account with the XXXX XXXX XXXX on XX/XX/XXXX, and was told that due to some information being reported by XXXX XXXX XXXX and XXXX XXXX I would be unable to open any bank account. I went home and called them both to figure what is going on and I was told by XXXX XXXX that I had a bank account opened in or around XXXX XXXX XXXX and that bank account was closed due to fraudulent activity. I found this information new and I told them I never open that account at all. I started going through the tedious process of trying to get the account removed. I filed an official police report, I made a identity theft report and I froze my credit files. I sent all this information into the XXXX XXXX and Bank Of America and I have not heard anything back yet. When I do I was told that they didn't believe me and that it would remain on my banking history file. All I want is for this to be removed and solved so I can move forward with my life.
Consumer complaint received 2019-05-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

My name is XXXX XXXX I went to open a bank account & some one has one in my name which cause me not to be able to open one I never had a bank account in my life XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX pa XXXX Consumer number XXXX
Consumer complaint received 2023-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions
Consumer complaint received 2019-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: COMMERCE BANK (CA)

I signed up for the XXXX XXXX credit card, which offers XXXX points after spending {$500.00} in the first 90 days. I completed these requirements, but the points did not post ( even after 30 days, as per the terms of the agreement ). I contacted Commerce Bank, who told me to contact XXXX XXXX, who told me to contact Commerce Bank.
Consumer complaint received 2019-05-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MN)

I have a Parent Plus loan for my child, and she is enrolled full time at school. I got a text notice that the payment is past due on XX/XX/XXXX. I contacted MyFedLoan.org about the incident and they said they were in process of updating the enrollment status and that I wouldn't need to worry about it. 

Finally, when the payment was 29 days past due according to their records ( XX/XX/XXXX ), I made a payment so it wouldn't affect my credit. I contacted them again on XX/XX/XXXX to check on the status of the enrollment update. They said it would take up to 10 business days to update my records ( per an email response I got ). 

I sent my next regularly scheduled payment on XX/XX/XXXX for my legacy  student loan, with additional principle payment included, and received today ( XXXX ) another notice that I am past due. I logged in and found out that they still have not updated the enrollment status. I have a screen shot showing that I am both paid ahead, and delinquent on my account. 

I let them know that I would be contacting the CFPB if they didn't fix it last time, and since it's still not fixed, now I'm ensuring action is taken via this request.
Consumer complaint received 2019-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

XXXX XXXX sold my loan to Specialized Loan Servicing ( SLS ) last year. In the transition my escrow account paid for my hazard insurance. I sent the bill to SLS after they rejected it with the agent. I was told they were looking into it. It's been 2 months and now the coverage cancelled XX/XX/19 per a letter received from XXXX 's XXXX today. This is fraud by trying to force me into taking out their coverage at double the rate since my coverage is now cancelled based on their breach of contract and an additional XXXX fee has been assessed. Total due to XXXX 's is XXXX  and the agent is at XXXX XXXX XXXX XXXX, policy XXXX. SLS should be sanctioned based on this fraudulent activity. Please assess penalties and interest on my behalf.
Consumer complaint received 2019-05-03
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (WV)

Best Buy would not honor an advertised XXXX promotional discount that was offered on the XXXX dishwasher I purchased. 

I was charged {$140.00} for an installation fee on a dishwasher that was advertised as free installation. On top of being charged for a fee that was advertised as as a free installation, the dishwasher purchased was defective. This resulted in the dishwasher needing to be replaced -- and I was charged a second installation fee! 

Best Buy in no way honored the advertised XXXX promotion, and on top of that charged me to replace a defective dishwasher that they sold me. So I have paid a total of {$300.00} for an installation fee for a dishwasher that was advertised as free. 

My attempts to resolve this with Best Buy support have been unsuccessful. The first time, they closed my dispute with no notice or even input from me. Then when I got them to reopen my support inquiry, they threatened me saying that the only way this issue could be resolved was thru the legal system. They are requesting that I track down and send them store promotional adverts to prove that was the offer. They did not even make an attempt to verify this within their own stores, which can clearly be documented with the time stamps of my purchase and their in-store promotions for the store. 

TImeline : XXXX '' Front Control dishwasher purchased XX/XX/XXXX SKU XXXX with promotion of free installation Item defective Exchanged by BB on XX/XX/XXXX - 2nd XXXX with no hot water hookup. XX/XX/XXXX Management offered to replace with in stock XXXX SKU XXXX. Because the XXXX retail was several XXXX  $ higher, they offered to decrease the cost by {$200.00}. However, they charged {$140.00} to install. 

Dispute initiated by me XX/XX/XXXX - XX/XX/XXXX Citi bank electronic " since you have excepted the {$520.00} transaction, we have closed our investigation. 

XX/XX/XXXX I disputed the replacement for the defective dishwasher and the 2nd {$140.00} charge. Citi bank re-opened. XX/XX/XXXX action requested from Citi bank. I called the number provided and an account specialist, XXXX told me that I received a {$200.00} credit on the XXXX. I explain the credit was because management offered to replace with an in stock dishwasher that was {$200.00} than what I purchased. I was billed a 2nd {$140.00} to have it installed. 

XX/XX/XXXX Citi 's specialist, XXXX informed me that this is a legal claim and I must provide them with documentation to support my claim that the XXXX had a promotion of free install. 
I asked them to review XXXX XXXX promotions at the time of purchase to support my claim. XXXX declined and again, put the burden of proof on me to present them with documentation.
Consumer complaint received 2019-05-03
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)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT REPORT AND I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS.
Consumer complaint received 2019-05-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY (NJ)

I am lodging a complaint against TD Bank XXXX AND XXXX XXXX NMLS : XXXX. My loan ( # XXXX ) was denied because of my credit profile. However, the XXXX credit report shows a score of XXXX out of a possible XXXX with nearly zero debt. Additionally, the underwriter assigned to my loan was negligent during their investigation with poor attention to details as they had requested multiple times for information that had already been provided, including repeated requests for items like the Escrow Analysis statement for subject property of which the underwriter had been informed ( on multiple occasions ) DOES NOT EXIST as the property has no mortgage currently. These and other oversights plus the fact that the underwriter took over 4 weeks to attempt to interpret my tax returns had left me with with suspicions of discrimination and concerns with the underwriters ability to fairly determine my eligibility. I brought these concerns to XXXX XXXX on XX/XX/19 when he agreed that the underwriter had estimated my income incorrectly. XXXX then stated he would look in to it and get back to me in a day or two. Over the following month I had called XXXX multiple times with no return phone call. TD Bank was unresponsive to all requests for information and ultimately denied my loan under a faulty premise via an UNSIGNED statement of denial. I can provide supporting documents.
Consumer complaint received 2019-05-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: HUNTINGTON NATIONAL BANK, THE (IN)

On XX/XX/19, my mortgage payment for {$1800.00} was presented through ACH and overdrew my account {$40.00}. I immediately transferred from another bank {$100.00} on the same day. In addition, my payroll {$1900.00} plus a social security deposit of {$670.00} at midnight the same day. My mortgage payment was returned without payment and i was charged {$37.00} overdraft. I came to Huntington Bank over 10 years ago because of their " 24 hour Grace '' policy. I have used it through the years at various times. In the past two years, i have had issues as they did not allow 24 hour grace! Their advertisement is misleading. Per their advertisement, you are supposed to have until Midnight the following business day to cover the overdraft. My subsequent deposits MORE than covered the overdrafts!
Consumer complaint received 2019-05-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

XXXX XXXX has been harassing me for months. I repeatedly tell them I am not familiar with a Capitol One account with a balance of {$1600.00}. The employee number of person I spoke to last is XXXX. Calls come from many many numbers. Here are a few. XXXX, XXXX, XXXX. They all ways start off asking me personal information before identifying themselves. I tell them to quit harassing me, but yet they continue! I also told them I never had any kind of contract with XXXX XXXX and will not talk to them. They tell me they bought account. I tell them I am sorry for them because again, I have no contract with them.
Consumer complaint received 2019-05-03
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NV)

My XXXX XXXX XXXX model was smashed into while I was towing it during a move from XXXX to XXXX XX/XX/2018. My Vehicle was then declared totaled by XXXX my insurance carrier in XX/XX/2018. XXXX worked with XXXX XXXX ( at fault drivers insurance ) and Nissan Financial from XXXX toXX/XX/2018 to determine the payout amount. In XXXX XXXX paid Nissan Financial aka NMAC close to {$11000.00}. I didnt have GAP insurance so I had to pay the balance about {$1600.00} to NMAC in XX/XX/2018. The vehicle is paid off XXXX balance. NMAC is reporting a missed payment on my credit report in XX/XX/2018. I have disputed it with all three credit bureaus numerous times with negative results. I have called NMAC and they refused to change it on my credit report. Im a XXXX Veteran and I can not use my VA loan to purchase a home in XX/XX/XXXX because this one missed payment error destroyed my credit score.  Please help me with correcting this error and have XXXX take it off the three credit bureaus. Thank you.
Consumer complaint received 2023-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have XXXX negative items that are negatively reporting on my consumer credit report that and is in violation of the FCRA codes 15USC 1692e & 15USC 1692g. These are the dates I sent certified letters of cease and desist/ estoppel notices without proper verifying documents with my signatures with said company that is falsely reporting on my consumer report : XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023. I sent letters to each bureau XXXX, XXXX, and Transunion. They only report " verified by furnisher '' but never provide proof of me legally doing business with collection company or provide me with a binding contract with my signatures. I have never done business with any of he companies reported as " Collections '' nor do I have any contractual agreement with them. Per each tracking number, I do have them as delivered and received. I also tried to delete an address off of my experian account and they refused. XXXX, Transunion, and XXXX are all in violations of compliance procedures, defamation of character, willfully non-compliant, and punitive damages towards and this has caused major personal suffering. 

Once again, I asked XXXX, Transunion, and XXXX to SEND me a copy of the signed contract between me and the furnisher ( s ) to prove the debt belongs to Me and they sent a response that the creditors verified the information as accurate! I need SOLID proof or it needs to be removed immediately.
Consumer complaint received 2021-11-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX, Consumer, Natural person, and original creditor of an open-end credit plan, was denied my right to credit by CAPITAL ONE FINANCIAL CORPORATION d/b/a CAPITAL ONE. I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth In Lending Act, by CAPITAL ONE FINANCIAL CORPORATION d/b/a CAPITAL ONE on XX/XX/2021 via email. According to 15 USC 1602 definitions of The Truth In Lending Act, I as a natural person processing an open-end credit plan was harmed by Capital One Financial Corporation d/b/a CAPITAL ONE adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to [ {$5000.00} ]. CAPITAL ONE FINANCIAL CORPORATION d/b/a CAPITAL ONE is now civilly liable to pay me for the damages.
Consumer complaint received 2019-05-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: REGIONS FINANCIAL CORPORATION (GA)

The closing costs that I was told to expect changed significantly from the initial amounts I was quoted. I have tried emailing the Mortgage Originator and asked several times for their Compliance Department to review but this request has not been granted. I sent a very detailed message with all of the differences ( attached ) noted. If you can't trust the costs that are told to you when you decide to lock-in a rate to not be changed just prior to closing, where is the integrity of the financial market? I feel this is misleading to me, as a consumer.
Consumer complaint received 2019-05-02
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. (CA)

the following public record is not mine, this is an inaccurate reporting under my name under my equifax credit reporting agency, i will be attaching my proper paperwork to this attachment, please have this inaccuracy removed from my equifax credit reporting,  this is not mine, i have disputed this with equifax several times but they are not helpful literately they say they verified in one day. this is not right, please help me in this very sensitive issue thank you
Consumer complaint received 2019-05-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PRESTIGE FINANCIAL SERVICES INC (WA)

Prestige Financial is contacting me and harassing me many times a day. They use threatening language and scare tactics even though I have asked them to stop threatening me. I have asked multiple times to change the payment due date by 15 days so I can make the payment every month on time, yet they refuse to help in any way. The payment is nearly {$730.00} a month and it is incredibly difficult to make yet we havent missed a payment. Currently we are 15 days late and they will not stop threatening and harassing me. I feel powerless bullied and frustrated. I have told them 6 times through email text and phone calls that I could pay tomorrow ( 15 days late ) yet the still bombard me with their threats. No one should be treated the way they are treating me and I am hoping you can help me with their terrible behavior. Their debt collection behavior is wrong and needs stopped immediately.
Consumer complaint received 2021-11-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (FL)

RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter sent to : RADIUS GLOBAL SOLUTION To Whom It May Concern : I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program and I saw two incorrectly trade lines for an account from Radius Global for XXXX, one is {$410.00} and one is {$220.00}. Both account statuses show past due and they should not say that as these debts are not owed. I am requesting both a validation and " verification '' as well as the signed HIPAA release with my signature as the item being reported to the credit bureaus by Radius Global is a VIOLATION of the HIPAA Act of XXXX. 

Radius Global did NOT provide me a HIPPA release that releases my medical information to them, therefore by XXXX providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against Radius Global as well as XXXX should this item not be deleted within t10 business days and until the debt has been validated and verified. Radius Global is in direct violation of HIPAA regulations, and they are facing fines up to {$1000.00}, even possible jail time. I am seeking a legal remedy immediately as I have contacted Legal Services to obtain an attorney for free to file suit against Radius Global, XXXX XXXX, and all 3 credit bureaus : XXXX, XXXX and XXXX. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from Radius Global expeditiously as I have no idea where this debt is coming from and I do not owe this company any money. 

Additionally, I can prove that at the time of service, I was both unemployed and homeless. I completed the financial assistance forms, which should have taken care of any costs associated with my medical care.
Consumer complaint received 2024-10-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am writing to formally dispute a series of transactions that have been incorrectly associated with my Bank of America account, as reflected in the attached documentation. I recently received a transaction report that lists multiple transactions between the dates XX/XX/XXXX, - XX/XX/XXXX which I did not authorize nor recognize. 

Please note that during the time these transactions were processed, I did not have access to my account, making it impossible for me to conduct or authorize any financial activities related to these transactions. While the Bank of America account number listed on the report is indeed my account, the listed transactions are fraudulent and do not reflect any actions I took. 

I kindly request that XXXX XXXX XXXX investigate this matter promptly and update your records to reflect the fraudulent nature of these transactions. Additionally, I ask that any negative reports or information related to these transactions be removed from any reporting databases. 

Please do not hesitate to contact me if you need further information or documentation to assist with your investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX