davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Couch Conville & Blitt LLC (TX)

In XXXX, I refused to pay for this refrigerator that was returned to XXXX twice for repairs. The XXXX refrigerator was sold to me as new but it was a refrigerator off of the floor of the store. I requested a new refrigerator after the appliance failed several times within the first four months of service but I was refused. The repaired refrigerator remained at the XXXX store and I discontinued making payments on this appliance. In XXXX of XXXX, XXXX XXXX XXXX purchased the debt and filed a judgment in XXXX of XXXX. XXXX used a law firm named XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, Texas by Atty. XXXX XXXX XXXX XXXX. XXXX to serve the judgment. On XXXX XXXX, XXXX, I was asked to sign a one-page document with the understanding that the debt would be resolved due to the statue of limitations in Texas ( e.g. 4 years ). On XXXX XXXX, XXXX, I was served a writ of execution that was secured by XXXX XXXX XXXX @ XXXX XXXX XXXX, XXXX, Texas XXXX -- -Phone XXXX, XXXX. The writ of execution 's cause no is XXXX and it was filed electronically at the XXXX XXXX XXXX Clerk 's office, XXXX XXXX, XXXX XXXX, XXXX Texas XXXX. This debt is XXXX XXXX XXXX and my property has been threatened for possession and or XXXX for this alleged debt.
Consumer complaint received 2016-09-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX/XXXX/2016 *** 2nd requested *** dear ICFPB and could you tell the BOA CEO XXXX XXXX XXXX about my story too plx here we go so I visited Bank of America web at : bankofamerica.com site trying to open a checking account bank of america still has chose to neglected to honor my request, It appear that Bank of America has decided to discriminate me after all I paid them off in full! see the letter and yet a letter stated that they will have someone in land o lakes fl office contact me and discuss what product they could help me with, I never bother or gotten any letter or phone call by BOA local or BOA corp.all I got was a rude representative email me to call her and she stated she ca n't help me and she stated Bank of America has rights not to give me a reason why can they help me to open up a new checking account / once again even I have paid them off in full. Poor service with secrets by BOA I want the XXXX XXXX XXXX XXXX to read this 2nd complaints against his company Bank of America what a joke!!!
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2017-04-01
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alliance One, Inc. (GA)

On XX/XX/2107 I received and alert stating that XXXX has added a new collection to my XXXX credit report. This is inaccurate information because i paid this debt to Alliance One on XX/XX/2017. A pay to delete letter was submitted to Alliance One on XX/XX/2017 along with a cashier 's check for {$100.00} which stated that upon cashing the check Alliance One would be in agreement of accepting the payment as paid in full for debt and removed this collection from all XXXX bureaus within 15 days of cashing. Alliance One cashed my check on XX/XX/2017 and mailed me a letter on XX/XX/2017 stating that they no longer own the collection and that i should contact XXXX.Alliance One cashed my check then sold this account to another collection company by the name of XXXX
Consumer complaint received 2015-04-08
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I applied a mortgage loan from Bank of America for a town house purchase with 20 % down payment for a XXXX fixed rate mortgage loan. After reviewing my loan application, Bank of America loan officer provided me a loan approval letter by assuring me there is no issue and my income level is more than enough to get this loan. I signed the sale contract with the seller by trusting the loan officer`s assurance. Also, loan officer asked me to transfer my money from my XXXX account to Bank of America. I transferred my money from my XXXX account to Bank of America account which I had to incur approximately {$2000.00} cost because of XXXX losses due to converting from XXXX and transaction costs. In addition to this, they asked my credit card information and they said they need to charge for appraisal in advance by assuring me that there will not be any issue. Again, they reiterated several times that I am very well qualified for this loan. They processed appraisal and charged me {$450.00} for this. 
At the end, Bank of America declined my loan application by saying there is insufficient credit lines. This was totally unexpected big shock and surprise to me. Because, I trusted the loan officer assurance and all of my financial information was available in my application form and this supposed to be identified before proceeding with appraisal and instructing me to transfer my money from XXXX account. 
In summary, Bank of America misconducted my mortgage application process misled me and charged me appraisal fees unfairly without completing their loan underwriting process.
Consumer complaint received 2015-12-28
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION (NY)

The cfpb issued a XXXX fold administrative proceeding ( File No. XXXX ) against Central Financial Control. 
One mandate of the proceeding was a penalty of up to {$120.00} ( aprox ) per incident to each affected customer. 
Another mandate was to issue a full refund to customers who had paid the implicated debts ( accounts ) in full. ( The third aspect of the proceeding is to forgive in full the debt of afflicted customers who failed to pay their debt. ) I was issued XXXX penalty checks of {$120.00} each, complying with XXXX mandate of the proceeding. In addition and as per the proceeding, a refund is due to me in the amount of {$2700.00}. for account number XXXX, for a debt that was paid in full to Central Financial Control and is XXXX of the accounts I held covered by the cfpb mandate. A check for {$120.00} to comply with the penalty mandated was issued for this account, but absolutely no refund has been issued. Central Financial Control is still in violation of the 'refund ' mandate in the proceeding. 
Please refer to the cfpb directive XXXX XXXX. XXXX, link : XXXX XXXX I anticipate a timely response.
Consumer complaint received 2015-05-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (TN)

School : XXXX University, XXXX, TNIn 2013, Navient guaranteed that if I put {$1500.00} down and agreed to a Reduced Interest payment plan on a charged off private student loan, that they would in return XXXX ) Bring me to a " current '' state on my account, XXXX ) guarantee 0 % interest on future payments, XXXX ) Report to all XXXX credit bureaus that I am current and no longer delinquent. All of this would be fulfilled XXXX 3 months of timely payments were received by them. That was 2.5 years ago and XXXX payments ago. I have had no late payments and have had no missed payments. I have done everything I was told to do in exchange for false promises. Navient is still making derogatory reports to the credit bureaus and they have yet to fulfill the promise of any of the above. According to their reports and to all of my credit reports, I am XXXX payments late and have an amount of {$2600.00} past due. I have called over XXXX times in the last year and have gotten nowhere. Today, however, it was admitted to me for the XXXX time by a Navient rep that I was indeed " misinformed '' when the above terms were guaranteed in exchange for {$1500.00} down and my agreement to a reduced interest payment plan. She said that there was a period of time when customers were told this information " erroneously. '' And the only thing she could do is apologize. I feel totally taken advantage of and duped. I am completely fine with paying back loans that I owe, but being lied to in order to take advantage of someone is wrong beyond words. This needs to be brought to the public 's attention immediately. This company is unethical on so many levels. 
The XXXX people responsible for making these promises on behalf of Navient are XXXX XXXX and XXXX XXXX XXXX. I was called over and over again by XXXX individuals and was threatened with legal action if I did not agree to these terms. I was asked if I had any jewelry or anything valuable that I could sell, so that I could provide them with a down payment to avoid court. I succumbed to the pressure and borrowed money from friends and family in a difficult financial period in my life and made it my mission to pay Navient each month on time. I have stuck to my word. They, however, have not.
Consumer complaint received 2016-05-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NJ)

I make monthly payments on my student loans. The payments are made out of my mother 's account by auto debit each month. The payments come out of the account each month between the XXXX and XXXX of each month. I have never missed a payment yet the servicer Navient did not apply my XX/XX/XXXX payment. I 've called the servicer Navient several times, talked to various customer service representatives, provided the bank records they requested to show we made the payment, and yet the servicer Navient has not applied the XX/XX/XXXX payment and has failed to even follow-up with me to explain what happened or even whether they 're looking into the payment they did not apply. I 've had to repeatedly call them to remind them of this payment they did not apply and to prod them to resolve this issue.
Consumer complaint received 2015-08-26
Product: Debt collection — Medical
Issue: Communication tactics — Called outside of 8am-9pm
Company: AmeriCollect (LA)

XXXX XXXX XXXX XXXX never sent me a bill for a ER visit that occurred on XXXX. Yesterday, out of the blue, I received a letter from Americollect for {$78.00} that went to collections from XXXX. 

Yesterday, immediately after receiving a collections notice, I faxed and emailed both Americollect and XXXX XXXX XXXX XXXX requesting for debt validation. I have also filed a complaint with the XXXX and the Louisiana General Attorney for XXXX practices. 

Today, at XXXX, I received a phone call and voicemail from Americollect . I know that it is illegal for collections agencies to call outside certain hours. Furthermore, I have already contacted them in writing, both by email and fax, that I would like debt validation and also notified them that I am in the process of filing a complaint against the original creditor.
Consumer complaint received 2016-02-12
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: DISCOVER BANK (MI)

Dear Sir/Madam, I would like to file a complaint about Discover Bank regarding a missing transaction. 

On XXXX XXXX, 2016. I authorize Discover Bank to draw XXXX dollars from my XXXX account and XXXX did debit this money to Discover Bank. However, after it received the money, the Discover Bank reverse this ACH transaction to XXXX on XXXX XXXX, then, the fund is missing. XXXX have never received it. And Discover Bank claim the fund is no longer in their side and do not want to take responsibility at all. 

I have call Discover Bank several times and even have a three way phone call with Discover Band and XXXX on XXXX 2016 from XXXX XXXX to XXXX XXXX. During that three hour phone call, they check everything, and the conclusion is that the Discover Bank Claim they either never receive the money from XXXX or have returned the money to XXXX, and XXXX claim they did send the money to Discover Bank ( the fund send on XXXX XXXX and clear on XXXX XXXX ). 

As a result, the fund is missing, and either of them want to take responsibility for clients. 

As a personal view, I do believe in XXXX and believe Discover Bank XXXX lie to clients. 

I have all the documents to prove my statements, including the letter that Discover Bank sent to me saying they have returned the XXXX, 2016 ACH fund to external bank ( XXXX ). And I have XXXX 's confirmation number of the initial deposit to Discover Bank. I will attach those information to CFPB to better support the investigation. 

Thank you very much for reviewing my case, Best regards.
Consumer complaint received 2015-08-20
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: DISCOVER BANK (CA)

Hello to whom this may concern, My name is XXXX XXXX and my husband XXXX XXXX XXXX passed away in 2012 leaving me with a Discover card debt. I recently started a refinance and found that I had a lien on my title from Discover. I contacted Discovered and settled for less than was owed and I paid off the account. They were supposed to issue a release for the lien on my title and they have not. They keep telling me that the attorney needs to sign off as well as Discover. I paid them 3 weeks ago and am still getting the run around. I need the lien to be released already because it is holding up my current transaction for re finance. Please Help, Thank you
Consumer complaint received 2015-12-04
Product: Credit card — 
Issue: Credit determination — 
Company: DISCOVER BANK (GA)

I am currently a year and a half into rebuilding my credit. I have worked hard to resolve all outstanding issues and to gain and use new credit responsibly. My current scores range from XXXX, FICO, to almost XXXX dependent on the bureau pulled. My credit profile, while new and I work quickly to restore my credit, has multiple trade lines, all in good standing with very low utilization and perfect payment history, totaling almost XXXX in revolving credit. I started with secured and low credit line store cards, and have worked my way up to my first top tier rewards card I recently was approved for, a XXXX rewards world XXXX with a XXXX limit. My goal now is to phase out many of the rebuilding cards, secured, and store cards and move forward with sustainable products which make sense moving forward in my life. Discover it was one of the few cards on my goal list to have as a permanent credit product. I applied and was denied for an unsecured card, yet approved for a card with a co-signer. I am not in a place in my life where I need to or feel comfortable asking someone to co-sign on a credit card. I respectfully asked if Discover had a secure product, one in which I give my money as collateral for an equal line of credit to establish history, get my foot in the door, and help me build towards an unsecured discover product. I was told I did not qualify. How is it possible I can qualify for a top tier XXXX card with a XXXX limit, XXXX k in total unsecured credit, installment credit, a new car loan for XXXX @ 8 % ... ... .yet not qualify for a secured discover card with my money securing the line of credit??? I have respectfully asked for this to be reconsidered as I have already taken the credit inquiry but discover will not budge. I fell 1 ) that this policy and decision makes zero rational sense and 2 ) discover has failed to provide any reason which lends credibility to this decision. Thank you.
Consumer complaint received 2015-11-18
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK (IL)

I signed up for a Discover card AND bought an iPhone to participate in their XXXX % cashback promotion for in-store XXXX XXXX purchases with the Discover card. After signing up for the card and purchasing the iPhone, Discover changed the terms of the promotion to exclude gift card purchases ( which I was planning to purchase a bunch of, given the holiday season ).
Consumer complaint received 2016-07-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2015-10-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CO)

I had previously disputed this items several times on my credit report with Equifax only, for XXXX XXXX. I have sent them XXXX 's received from XXXX in 2014 taxes paid on this forgiven accounts. And they 're still showing balances when it should show settled and XXXX balances.
Consumer complaint received 2016-08-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TX)

Equifax incorrectly " verified '' an error in my credit report, and did not fix the error upon my dispute. This regards my home mortgage account. 
In XXXX 2016, XXXX of XXXX, XXXX purchased my loan from XXXX XXXX of XXXX, XXXX. XXXX was previously the administrator of the loan. 
The EQUIFAX credit report of about XXXX XXXX, 2016 listed this account as XXXX separate accounts, with XXXX different monthly payments. Upon my dispute of this situation, EQUIFAX says that their accounting is correct - that I have XXXX mortgage accounts outstanding that " belong to you ''. The address and phone number for XXXX XXXX provided by EQUIFAX is now defunct. 
It is my understanding that the original error may have been with XXXX, but EQUIFAX is responsible for not responding correctly to my dispute of the error. I am told by XXXX they fixed the problem internally on XXXX XXXX, but on XXXX XXXX EQUIFAX sent me an erroneous conclusion. 
On the attached document from EQUIFAX , please note the last payment of {$3100.00} is incorrect and listed as XX/XX/2016, while the " last activity '' is listed as XX/XX/2016. Since XX/XX/XXXX, I make a single monthly payment of {$3000.00}.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently looked at my XXXX credit report on XXXX XXXX and i saw some hard inquiries that did not have permissible purposes i also arranged evidence 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. 

Account name : XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX, Account name : XXXX XXXXXXXX XXXX Date : XX/XX/XXXX Account name : XXXX XXXX Date : XX/XX/XXXX Account name : XXXX XXXX XXXX  Date : XX/XX/XXXX has violated my rights. 


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.

Delete this inquiry due to violation 15USC 1681b
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting mi ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX  account ( XXXX  account number XXXX )
Consumer complaint received 2016-09-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I filled BK in 2012 so everything was discharged including all tax liens. 
In all XXXX credit bureaus still shows that i owe tax liens and property lien. 

I have proves from the court, BK discharge certificate. Please assist. 
XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX XXXX XXXX  1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX  XXXX and would like for all listed account to be blocked and deleted company information from XXXX and TransUnion. 

Please delete the following account : XXXX Account number : XXXX Balance : {$1200.00} XXXX Account number : XXXX Balance : {$0.00} XXXXXXXX XXXX  Account number : XXXX Balance : {$9400.00} XXXX XXXX XXXXXXXX Account number : XXXX Balance : {$730.00} XXXXXXXX XXXX Account number : XXXX Balance : {$1200.00}
Consumer complaint received 2016-07-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Me and another persons information was merged on our reports. I have since fixed my reports on my end, but I dont think the other person fixed thiers. So i am still having her open accounts under my name, and have my information populate under her name. ( Also, security questions i have to answer are almost ALWAYS questions about her information. ) I want to make sure that my information is no longer on this persons credit report, however i have no way to formally dispute the issue since it is not my report.