davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-22
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Filed Chapter XXXX Bankruptcy in XXXX case XXXX. I signed a reaffirmation agreement with Bank of America on XX/XX/XXXX taking the amount of the loan from {$68000.00} to {$45000.00} leaving a cram down amount of {$23000.00}. Per the debtors confirmed bankruptcy plan docket XXXX filed on XX/XX/XXXX Bank of America had the right to place the {$23000.00} with the Class 7 unsecured claims and failed to do so. By Bank of America not petitioning the cram down amount to be placed in the Class 7 claims at confirmation of the plan as stated in the Class 7 claims and Class 2 claims that debt should any lender not file a proof of claim, not contest any amendment disputing their claim, nor contest an objection made to their claim, such claim shall be treated only as a Class 7 claim, if allowed, and such lender shall be bound by the 524 injunction issued at confirmation of the Plan. At this time Bank of America,  XXXX / XXXX and XXXX XXXX have all violated the plan by asking for this discharged debt. XXXX XXXX has included this cram down in my payoffs and in the foreclosure action taken against my loan. As I stated in my previous CFPB complaints BAC placed insurance on my loan per the loan history in XXXX while this property was under a federal stay. This was an encumbrance on the debtor and the asset and a direct violation of docket 382 ARTICLE IX section 3 ( iii ) ( iii ) creating, perfecting otherwise enforcing in any manner, directly or indirectly, any encumbrance of any kind against the Debtor or the assets of the Debtor or the Trust or any direct or indirect successor in interest to any of the Debtor, or any assets of any such transferee or successor other than as contemplated by the Plan ; The plan prohibited Bank of America to place insurance and charge the debtor while the debtor was under a federal stay. The Plan prohibits XXXX to collect the amount of {$19000.00} listed as BK cost under FEE DETAILS.
Consumer complaint received 2023-05-11
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. (NJ)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fig Tech Inc. (TX)

XXXX XXXXXXXX XXXX I sent out communication through the CFPB to dispute the inaccuracies on my credit report, The credit agencies claimed that the item was validated by the debt furnisher as accurate. I have found multiple inaccuracies. I have reached out on multiple occasions about the issues reporting inaccurate. Not only are violating my right to privacy by reporting these inaccuracies and didn't get written permission to provide. According to FRCA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. This never occurred during or after 30 plus day investigation by debt furnisher. Now because of violations either provide {$1000.00} for every violation or deletion from credit report immediately.
Consumer complaint received 2023-12-12
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

I made a large payment to pay down a promotional balance and avoid the accumulated deferred interest, but they decided to apply the payment toward another promotion resulting in the accrued interest being added to my balance, which is what I was trying to avoid. I call and asked for the payment to be applied correctly and they refused o make any changes to the way the payment was applied, which resulted in an additional @ {$800.00} being added to my balance. The way they applied the payment seems illogical. Why would they not apply a payment in a way that would result in the smallest balance and the least amount of interest. 

XXXX
Consumer complaint received 2018-10-22
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Integrated Mediation Solutions LLC (MS)

I was contacted on XX/XX/18 by a Ms. XXXX XXXX. She stated that she works for Integrated Mediation Solutions. She stated that I owed XXXX to a XXXX XXXX, and they would be filing a wage garnishment as soon as possible if it was not paid. She was very forceful and began yelling at me about making the payment. I told her I would need to contact an attorney and she stated they would not be able to help me.
Consumer complaint received 2023-07-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2023 I used my PayPal account to pay my rent payment of {$3300.00}. I utilized my XXXX XXXX SEND function so I could earn the reward points. The money was deducted from my XXXX account and I paid off the total on XX/XX/2023. I was contacted by my landlord, XXXX XXXX, on XX/XX/2023 and advised he had not received my payment to him. XXXX is not familiar with the PayPal platform and opened the account at my request so I could earn the credit card point every month when I pay my rent. He is a retired dentist of above average intelligence, so I never questioned his assertion that he did not receive my rent payment. I immediately contacted XXXX and spoke to a customer service person who advised me that XXXX inadvertently returned the {$3300.00} to me but the refund could take up to 30 business days to receive. I reconfirmed this several times because I had to resend the {$3300.00} a second time so as not to be late on my rent payment. XXXX contacted me the next day and said that he was able to finally access his PP account and it shows both payments are in his account. I explained that I was told by PP that the first payment will be refunded to me. He opted to take out only one of the payments and leave the other one in the account incase it was removed. On XX/XX/2023 both of our accounts were permanently closed without explanation. ( XXXX ) I immediately called PayPal and attempted to get any information to better understand what had happened and they would not tell me anything. The second payment of XXXX is being held in XXXX 's PP account and they will not release it to him or refund it to me. The representative only apologizes for the misunderstanding about my first payment being refunded with any explanation. Lastly, they said that they will hold the money for up to 180 days before releasing it. I can not afford to pay my rent payment for the month of XXXX, creating a severe financial hardship for me. XXXX is a retired local dentist with an impeccable reputation and I am a former deputy sheriff that works as a civil rights investigator for the XXXX XXXX, not a criminal cartel. Please assist us with getting our money from PP. Thank you.
Consumer complaint received 2018-10-22
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Medical Data Systems, Inc. (PA)

XX/XX/2018 XXXX XXXX from XXXX XXXX XXXX XXXX called my work and left a message about debt on my office phone. I work for a county government agency and the phone line called on is county government property not for personal use. 
The collector got through to my private work extension so I would think they misled the operator as to the nature of the call. 
I share an office and the nature of the call/message was likely audible to others. 
As the number is a county government line not personal I may be reprimanded. 
The number is for a county government XXXX XXXX XXXX XXXX. Common sense and etiquette should prevail.
Consumer complaint received 2023-12-12
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: TRUIST FINANCIAL CORPORATION (TN)

I was charged {$12.00} for not having {$1000.00} for less than 1 day while transferring funds from another bank. I paced a complaint about the bank with XXXX and the bank Truist falsely informed XXXX case closed the case without even working on the issue. 


Transaction Details - {$12.00} MAINTENANCE FEE Transaction Date XX/XX/23 Posted Date XX/XX/23 Transaction Type Debit Reference Number XXXX Receipt Attached No
Consumer complaint received 2024-01-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PA)

I consolidated my XXXXXXXX XXXX loan- verified on XXXX data. Mohela lists my my XXXX loans not consolidated. They had placed me in a XXXX  The consolidation was not completed. I consolidated again tonight. Mohela XXXX has incorrect information, payment information as of today. I did get a bill with different information ( lower payment ) than the online account. It is impossible to get anyone on the phone. My bill date XX/XX/XXXX due XX/XX/XXXX is XXXX XXXX Mohela continues to list XXXX I pay my XXXX loans on time. Had I not noticed this I may miss out on the XXXX XXXX  adjustment as my loans should have been consolidated and my account billing is incorrect. I would appreciate it if Mohela sent billing statements reflective of my account and corrected online account information as it is very confusing. My consolidation should not be messed up a second time.
Consumer complaint received 2024-03-21
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: Experian Information Solutions Inc. (DE)

In accordance with the Fair Credit Reporting Act the list of accounts listed below has violated my federally protected consumer rights to privacy and confidential under 15 USC 1681. XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX15 USC 1681Section 602A : States I have a right to privacy. 15 USC 1681 sect. 604A : It also states a consumer reporting agency can not furnish a account with out my written instruction. 15 USC 1681c ( 9 ) ( 5 ) Section states no consumer reporting agency may make any consumer report contain any of the following items of information. Any other diverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 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 2023-07-13
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

This is in reference to Account XXXX. XXXX at Fifth Third Bank. Day before yesterday, it was brought to our attention that our account balance of {$41000.00} has been wiped clean, account closed and turned in to collections some months back. Please note that no transaction was authorized by us from the account, neither did we know about this situation or we would've bought this to your attention earlier. We have been preferred banking customers at fifth third and have maintained high balances for a very long time. For something like this to happen is not just mind boggling but also extremely stressful. As I report this, I can not describe the amount of worry and mental agony this misfortune has brought to us. we called in to customer service trying to get into online banking as we have been unable to access the account online for quite some time. At the call, we were transferred to collections and then back and forth between fifth third customer service reps and collections with no explanation as to how something like this can happen. We also reached out to our branch manager at XXXX XXXX, MI via email to find out what happened, hoping to get some help and doing so again. How can transactions occur from the account without our authorization and how can an account be closed so quickly without our knowledge? 

At the moment, we have been informed by fifth third bank that company named XXXX XXXX XXXX had pulled money from my account using ACH. These transactions were not authorised by us nor did we have any information about these transactions until yesterday when we got to know about these transactions. 
YEAR XXXX : - XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX over draft fees YEAR XXXX : - XX/XX/XXXX. XXXX over draft fees XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX overdraft fees XX/XX/XXXX. XXXX overdraft fee XX/XX/XXXX. XXXX overdraft fee We really need someone to look into this matter and help us out. Truly believing that humanity still prevails and hoping we can get some answers as well our funds. 


Account owners : XXXX XXXX & XXXX XXXX
Consumer complaint received 2023-07-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lewis & Clark Capital LLC (TX)

I received a payoff balance earlier in the month that is good through the XXXX. 

I paid a large portion of the loan ( initial loan in full ) and planned to pay the balance tomorrow when I am paid. 

The loan isn't even due yet. 

I received a call to let me know I hadn't paid it in full and it was my responsibility, etc. 

I told her I was well aware of it, and that my payoff quote was good through the XXXX. I thanked her for wasting my time. 

She followed up with an email, copying in their collections department.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FORD MOTOR CREDIT CO. (DC)

I just received my new credit report for XXXX and I found quite few auto Account Review Inquiries on my credit file that wasn't authorized by me. 

This is the list of them. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

Repeatedly calling my phone and now calling my relatives and telling them I have debt. I have requested that they DO NOT CALL, however, they continue to do so and now are calling other people asking questions about me. I do not owe them any money and I want them to cease and desist calling me or people I know. They are annoying and harrassing me and must stop calling.
Consumer complaint received 2023-07-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: OPTUM BANK, INC. (MI)

Date : XX/XX/2023 Amount : {$930.00} Company to provide refund : XXXX XXXX XXXX, MI XXXX XXXX Company to provide credit : XXXX XXXX XXXX Problem : Due to overcharge XXXX XXXX XXXX XXXX tried to pay me back {$930.00} as a credit to the original form of payment, which was my HSA ( Health Savings Account ) through " XXXX XXXX XXXX 
XXXX XXXX  claims they never received the funds from XXXXXXXX XXXX, making the amount disappear. XXXX XXXX claims their transaction was successful on their side ( and do not see any failure or a credit to them later ). 
Prior to the above ( around XXXX ), I had requested for my HSA funds rollover to a new HSA custodian- '' Benefits Wallet '' ( the new HSA custodian for my employer ). The day the transaction happened, XX/XX/XXXX, XXXX XXXX  closed my account with the rollover to Benefits Wallet. 
I did notice a " pending transaction '' in my XXXXXXXX XXXXk HSA account for XX/XX/XXXX, but it disappeared later. That suggests to me that the transaction was attempted with XXXX XXXX 
I have contacted both XXXX XXXX XXXX XXXX XXXX numerous times, but the situation has not changed. The amount, supposed to be given to me, has disappeared. 

Appreciate the support and response
Consumer complaint received 2023-08-30
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: UNITED AUTO ACCEPTANCE (NC)

I got this car from XXXX XXXX, on XX/XX/XXXX I put XXXX down on the vehicle, I was charged XXXX for a XXXX XXXX XXXX. I've gotten it down to XXXX and some change. I am being over charge for this vehicle. I pulled up the XXXX XXXX XXXX and my car which is the XXXX XXXXXXXX XXXX is only worth XXXX dollars. I've been Robbed.
Consumer complaint received 2023-12-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BMO Bank, N.A. (NV)

Today on XX/XX/23 I received a letter in the mail from " BMO Bank ''. I opened the letter and discovered a statement from them for a " savings builder '' account. I've never done business with them before and have never opened any accounts with them. I immediately called their customer service number on the letter and told them that this account was never opened by me. The letter I got said there was no money in the account. Also, after being on hold with them for XXXX minutes, they also told me there was a checking account also in my name with them but they didn't tell me if there was money in it or not, however they let me know that they've closed the accounts and had me listen to a pre-recorded disclosure about reporting credit fraud. Before hanging up, I asked if they could provide me information as to how this happened and he said his recommendation would be for me to go to a local branch to ask them and to file a complaint there. After my phone call, I contacted XXXX and put a security alert with them and they said they would notify the other credit bureaus. XXXX will have the security alert on my file for a whole year. Tomorrow I plan on going to this bank in person and filing a formal complaint with them for letting someone fraudulently open XXXX accounts ( a savings and a checking ) in my name and hopefully getting this cleaned up and hoping the damage done to my credit or anything else isn't worse than just this.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (FL)

The consumer reporting agencies, along with the so-called " creditor, '' have unlawfully provided my information without obtaining my written consent, as explicitly required by 15 USC 1681B of the FCRA. It is imperative that you understand that I do not consent to the unauthorized furnishing of any of my information by any means, as delineated by my rights under the FCRA. 
Furthermore, in light of the provisions stated in 15 USC 1692a ( 2 ) of the FDCPA, it is evident that the transmission of information regarding a debt, directly or indirectly, through any communication medium constitutes a " Communication. '' As per the literal interpretation of " any medium, '' this encompasses various forms of communication, be it oral, written, electronic, or others. Therefore, the act of furnishing my consumer report, which contains information about the alleged debt, constitutes a " Communication '' under the FDCPA. In accordance with my rights outlined in 15 USC 1692c ( c ) of the FDCPA, I hereby provide you with formal notice to immediately cease all further communication pertaining to these accounts. This includes, but is not limited to, any form of contact such as telephone calls, emails, social media interactions, or any communication made through a Consumer Reporting Agency. 
Please be advised that any continued contact or communication from your company or its agents, except for a communication acknowledging receipt of this letter, will be viewed as a violation of the FDCPA. It is crucial that you take this notice seriously, as I am fully prepared to exercise my rights under the law. 
Failure to respect this cease-and-desist notice will leave me no choice but to pursue legal action against your company. Please understand that in any ensuing legal proceedings, I will seek all available remedies and potentially claim damages allowed under the FCRA and the FDCPA. 
I urge you to promptly address this matter and comply with this cease-and-desist notice to avoid the need for further legal intervention. I kindly request a written acknowledgment of receipt of this letter, along with your commitment to comply with the instructions provided. Accounts listed below : WELLS FARGO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries were not initiated or authorized by me. Please remove from my consumer report. Listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-21
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: Open Dealer Exchange, LLC (MD)

I am writing to formally complain about unauthorized inquiries that have appeared on my credit report. This matter is of great concern to me, as it not only violates my privacy but also has potential implications for my financial well-being.
Consumer complaint received 2017-06-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

These inquires were unauthorized.
-XXXX -XXXX XXXX -XXXX XXXX/XXXX  IS REPORTED AS A INQUIRY XXXX times -XXXX XXXX IS REPORTED AS A INQUIRY XXXX  TIMES -XXXX XXXX XXXX XXXX IS REPORTED AS A INQUIRY XXXX TIMES -XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX -XXXX XXXX XXXX IS REPORTED XXXX TIMES -XXXX XXXX -XXXX XXXX/ XXXX XXXX -XXXX XXXX/ XXXX XXXX XXXX -XXXX XXXX XXXX XXXX IS REPORTED XXXX TIMES -XXXX/XXXX XXXX