davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-26
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: Experian Information Solutions Inc. (TX)

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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years
.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Accounts have violated my rights XXXX XXXX  XXXX : XXXX. XXXX, 2023 - {$11000.00} XXXX XXXX  Reported : XXXX. XXXX, 2023 - {$4600.00} XXXX XXXX  XXXX : XXXX. XXXX, 2023 - {$3400.00} XXXX XXXX  XXXX : XXXX. XXXX, 2023 - {$4400.00} XXXX XXXX  XXXX : XXXX. XXXX, 2023 - {$6200.00} XXXX XXXX  XXXX : XXXX. XXXX, 2023 - {$26000.00} XXXX XXXX  XXXX Reported : XXXX. XXXX, 2023 - {$760.00} XXXX XXXX  XXXX Reported : XXXX. XXXX, 2023 - {$1400.00} XXXX. XXXX XXXX  Reported : XXXX. XXXX, 2023 - {$980.00}. Violated my rights
Consumer complaint received 2024-03-21
Product: Prepaid card — Government benefit card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

XXXX, a FBI Fingerprinting and background checking service, charged me {$25.00} and advertised/promoted their " quick '' access one-time Link to results when the FBI report is ready . The Link does not work for many customers ( Did not work for me XXXX, or at anytime thereafter. This is discrimination against people of who come from outside the Sate of Pennsylvania as was my case ( Place of Origin Discrimination ). I had to wait XXXX days for a paper report and almost lost the job offer instead of the report being made available by the electronic Link as advertised. My fingerprints were processed within XXXX hours on XX/XX/2024, and I should have had access at that point. I paid {$25.00} for this service and received a " Bait '' and " Switch '' fraudulent transaction. 

I asked the company for my money back and filed a report with the Attorney General 's office. Since there is no other provider of these services in PA and no Competition the business is not motivated to follow proper and legal business procedures. and practices.

I think the State of Pennsylvania and its customers in fingerprinting services need to demand a new vendor for these services in PA, and Contact the Department of Justice with a formal complaint. I would like to see an established legal firm pursue a class action suit against XXXX and Bank of America. 

Additionally, I contacted my Bank -- Bank of America and filed a claim. Claim number XXXX. The Bank of America is in Anti-Trust violation/collusion with XXXX and the State of Pennsylvania. Bank of America 's contact number for claims is XXXX I am a XXXX, XXXX, and XXXX woman on a fixed income, who was the wife of a XXXX XXXX XXXX Veteran. We served XXXX  years with the XXXX XXXX.
Consumer complaint received 2024-03-11
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: DHI Mortgage Company (FL)

Hello, me and my brother have been jumping through hoops to close on a new house from DR HORTON. We both have salaries to support the mortgage and my brother additionally is XXXX XXXX XXXX XXXX XXXX  XXXX. He was in the XXXX XXXX from XXXX to XXXX, and went XXXX XXXX in XXXX. We are at the end of the process after giving our deposit and having the closing moved multiple times. Thenlender is now saying that they wont consider his civilian income because " they '' don't believe he can still be getting paid, despite showing the last 4 months worth of pay stubs since hes been on active, and mulitple years tax returns. Furthermore, they have chosen to only consider using his XXXX XXXX, and not civilian income, which conveniently puts us just over the allowed debt to income threshold. When asked why they wont count it, they have no reason other than their own disbelief. His manager has also written a letter stating that his pay has not and will not be affected by his transition to XXXX XXXX military, as he has always worked in his current capacity. We believe that this is XXXX and military discrimination as my brothers feels as though he is being punished for deciding to serve on XXXX XXXX. They have claimed that they need to see two years of income at the same time, but fail to take into account that he has been in the XXXX XXXX and same civilian job for 7 years now, with the only difference being now he is XXXX XXXX, and performing the same role.
Consumer complaint received 2016-04-01
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CB1, Inc. (MT)

My husband had a XXXX bill that he never received a bill for ( and assumed insurance had paid for so was not aware that it existed ) and the debt was accrued before he married me. However the collection company ( CBB Collections of Billings ) served him with papers to try to collect the debt. He went in to the collector company made a payment and made payment arrangements. However a week and a half layer the sent me papers as well. I 'm not sure if my complaint is light and perhaps they have every right to do this. But it is extremely frustrating when your an honest person and no one cares when u try to make it right.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC (TX)

This is the third collection agency that has tried to put this debt on my credit report. Prior to this being put on my credit report I was able to dispute this charge with success. Ive always had medical insurance, I took my son to the XXXX XXXX. Prior to leaving I paid my insurance deductible before leaving the hospital because I didnt want to be billed. I was chartered around XXXX dollars for this visit from what I remember. Two years later I received a call from the first collection agency about these charges so I called my insurance company to see if what if anything happened. I was told that me pay my deductible the day of, I fulfilled my obligation. It is unfair that this information is sold over again to companies trying to extort money that I dont owe. I would have paid long time ago had I known that I had a legitimate debt. I also call the original hospital that I took my son to and they went out of business so there is no record of charges for services.
Consumer complaint received 2017-12-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

Our mortgage was sold to Fifth Third Bank and from the beginning we experienced billing related issues. Our mortgage payment has been and is alway auto-drafted from our account each month. We paid our XXXX bill of XXXX in full and on time on XXXX XXXX. The payment was never applied correctly to our account. Now the XXXX payment has been mailed back to us? We are not sure why. We have spoken with someone every week and nothing has changed. " XXXX and XXXX '' have both assured us that something that will be done about it via a " task '' system. XXXX XXXX follow up XXXX nothing change, XXXX XXXX follow up with XXXX, nothing done, XXXX XXXX follow up with XXXX, nothing done. XXXX XXXX we had a very disturbing call from their collections department about non-payment for our mortgage. 
We were assured there would be no effect on our credit, yet checking our credit report it has been reported as late payments. We are in the process of attempting to purchase another home and have been warned that this will effect our rate unless resolved. 
After again calling on XXXX XXXX " XXXX '' has assured us that something will be done but after all we have been through we desperately need help in resolving this matter.
Consumer complaint received 2024-03-20
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CARD Corporation (MA)

I am a XXXX vet I have my XXXX check every month put in to the card.com bank witch is a XXXX XXXX company my last two transactions where in XXXX Massachusetts went to make another purchase an my card was declined so I went on the app an see that my card was overdrawn by XXXX so I looked at the transactions an seen I did not make 32 of the transactions that appeared on my card so I call the card company but there closed on weekends so on Monday morning XXXX XXXX I called to put dispute in was told I was getting a form to fill out by email witch I got was also told to right down all transactions I am disputing an send to them so I did the same day was told a couple days later I was getting a provisional credit on or before the XXXX of XXXX so I waited the XXXX I waited till XXXX my time an called them back before they closed no credit yet an I was told the my dispute was closed an I was responsible For all the transactions an I was not getting any of the XXXX Dollars back an I was also informed that when my next deposit is made I will loss another XXXX for the over draw account
Consumer complaint received 2024-06-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NH)

On XX/XX/year> our vehicle was in an accident resulting in total loss. XXXX XXXX XXXX company sent a check for {$12000.00} to Ally leaving a balance of {$770.00} for our gap insurance to pick up. It took XXXX weeks of back and forth with Ally to get the information needed for our gap insurance. On the same date that the XXXX was finally processed, Ally returned the {$12000.00} check to XXXX XXXX stating that the check was improperly endorsed. They had retained the check for XXXX days, it had been processed, had cleared the insurers bank account and been credited to our loan. Upon getting a copy of said check from the insurer, it was obvious that the missing endorsement was the back of the check where ally should have endorsed it to be processed. Ally demanded a new check from the insurer, and put our account into collections stating that because they had to return the insurance check, that we were now 2 months behind. They have reported 60 days late on our credit at this point and dropped my wifes credit score over XXXX points. The only mistake made was on allys part for not signing the check. Yet my wife and I are being punished for their mistake. I have waited XXXX days now for a supervisor to call me back from ally. Every time I call they send me to the collections dept.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been a victim of identity theft, someone got access to my personal information including my Social Security number drivers license number and birthdate and opened up fraudulent accounts under my name negatively affecting my credit score identity thieves opened up unauthorized accounts in my name costing me upwards of {$20000.00} in debt with fraudulent charges
Consumer complaint received 2024-06-13
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: TRUIST FINANCIAL CORPORATION (GA)

Truist Bank. If you allow a CD to automatically rollover at Truist, it rolls over at a rate of .01 %. I read through Truist disclosures online and this is not disclosed anywhere. My banker redeemed and issued a new cd at the actual rate shown on Truist web site. This impacts anyone who is not aware of this deceptive practice by Truist. How is Truist allowed to get away with this. It might not be illegal but how is it not deceptive.
Consumer complaint received 2024-07-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: BMW Financial Services NA, LLC (CA)

The vehicle was having issues and in the shop for months and was unable to get fixed. We were under the impression that the car was being repurchased per the conversation with bmw and the dealer ( XXXX XXXX bmw ). The car was never told to us that the car was ready to be picked up and eventually we purchased another car. After already purchasing another car a few months later we received a call that we were in default on the car. We reached out to bmw multiple times in complete shock about this just to be told theres nothing we can do anymore. This was gross negligence and a huge impact to our credit and we have been reaching out for years to get this addressed. We hadnt missed a payment or were late ONCE the entire time we had the car. No reason for us to all of a sudden need to have a charge off charged too us
Consumer complaint received 2016-06-08
Product: Credit card — 
Issue: APR or interest rate — 
Company: TD BANK US HOLDING COMPANY (NC)

TD Bank offered an Introductory APR of 0 % for a XXXX credit card they provided. I began accruing interest charges after the 2nd billing cycle. I inquired about the charges via telephone and explained that I was supposed have a 0 % Introductory rate. They denied this and that they did not offer such a promotion so I requested to have my terms and conditions for the account emailed or inquired where I could view them on my personal online dashboard. The only option was to have them mailed which took 10 days. The mailed documents confirmed in the Interest Rate and Fee Schedule ( page XXXX, document XXXX ) that there is a 0 % Introductory APR for the first XXXX billing cycles for Purchases. I called them to inquire again about the unjust interest charges according to the terms and conditions of the account. They continue to deny that they offer such a promotion and have requested that I fax the Interest Rate and Fee Schedule ( page XXXX ) to them for them to review. Why do I need to fax it back when they just mailed it to me? The review process takes at least 5 days. All the while my account continues to earn interest when it should n't.
Consumer complaint received 2016-02-01
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (PA)

Chase has issued a XXXX to me for debt that is not mine ; I have no known liabilities with Chase. I 'm assuming the debt regards a personal Visa credit card account once held by my deceased wife, that the company now insists was a joint account, though the source of the alleged liability was not described. A XXXX was also issued to her name ; later a XXXX request for her own taxpayer identification was sent. 

Under the assumption that the defaulted debt in question was, in fact my wife 's credit card, I researched what records I still have on hand back to the 1988 origination date and am convinced that Chase has made an error with regards to account ownership. I am attaching my letter to Chase along with a number of supporting documents that suggest the existence of joint liability in this regard stretches credulity to absurdity. 

Yet, I can operate only under assumptions, as Chase has provided no historical evidence of the debt beyond the assertion that it I share it jointly with my former wife, who 's tax identification is still unknown to it. 

Insofar as the XXXX will impact my personal tax filing and financial aid determinations for XXXX sons who will be attending college next year, I am hoping for rapid resolution of the matter in hopes that their education will not be impacted.
Consumer complaint received 2023-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (FL)

On XX/XX/XXXX my previous complaint was closed. However, Amerihome has NOT resolved my problem. Amerihome is responible for transferring mortgage payments, that they received back in XXXX, to my new mortgagor XXXX XXXX  and they have NOT transferred the payment to date. 

On XX/XX/XXXX, my loan was transferred to XXXX XXXX. The following payments were sent to Amerihome and have not been accounted for : Check # XXXX XX/XX/XXXX {$3000.00} Check # XXXX XX/XX/XXXX {$3000.00} Check # XXXX XX/XX/XXXX {$3000.00} Diligently, these payments should have been transferred to XXXX XXXX  and applied accordingly. However, there is no trace of the payment being forwarded to XXXX XXXX. I have made numerous phone calls to the Resolutions Dept and have been unsuccessful in finding any resolve. This issue has been ongoing since XX/XX/2022. 

Amerihome replied to my previous complaint on XX/XX/XXXX stating they were " in the process '' of wiring those payments to Regions. TO DATE THOSE PAYMENTS HAVE NOT YET BEEN RECEIVED! PLEASE RESOLVE MY PROBLEM BEFORE YOU CLOSE MY COMPLAINT. 

This is unacceptable and Amerihome needs to be held accountable for mishandling my payments. 

I insist that someone from your Corporate Office contacts me regarding this serious matter.
Consumer complaint received 2024-02-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NY)

The week of XX/XX/2016 funds were removed from my company 's checking account without my permission. I missed two payrolls which resulted in the loss of key employees. This caused a hardship to my company. Over the years the employees of Wells Fargo always had an excuse as to why they could address this matter. The final excuse was that they needed the dates of the unauthorized withdrawals. I recently came across a document that let me know the exact week of the two withdrawals. Without outside intervention, I will continue to be given the runaround.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : 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 2024-05-18
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: Experian Information Solutions Inc. (MI)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX Account Number : XXXX Balance updated XXXX XXXX, XXXX
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

My wife and I reviewed our credit reports and noticed we have XXXX bankruptcies listed on our reports. We have sent letters to the bureaus requesting info on who reported them to the bureaus. We specifically asked for METHOD OF VALIDATION. According to the FCRA, each bureau has 15 business days to respond to a request for method of validation for a bankruptcy. We have TWICE requested this information within 2 months from the bureaus, and none of them have responded with this information. The bureaus have not demonstrated that they have properly validated the bankruptcy information reported.