davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXXXXXX XXXX XXXX XXXXXXXX. Attorneys at Law, located at XXXX XXXX XXXX XXXX, Texas, XXXX sue me on behalf of Bank of America XXXX I live in XXXX XXXX XXXX XXXX Texas, XXXX number XXXX at the court of law No. Three, asking for XXXX dollars , County court of law. I contact Bank of America and they check me and find that I do not owe them anything but refuse to give me a letter or talk with their attorneys. 
I ask for my XXXX SCORE and it came with XXXX points, and shows that I have no debts. I contact the attorneys ' office and let them know that I am not the person who they are looking for and that I do not owe anything. 
The plaintiff didn't show up on the day the Judge set for a trial, and the plaintiff was dismissed. I talked with the secretary of the attorney 's office and she told me that I was not the person who they were looking for that debt and that my name it is going to be removed from their database. 

Once again the attorney 's office appoints another lawyer and they are suing me. I don't know what happen to them. this is harassment.
Consumer complaint received 2022-11-29
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. (FL)

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 have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2017-07-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants Credit Corporation (WA)

i was responsible to pay my co-pay for a medical visit i had, i waited to receive the mail, i have had issues receiving my mail at times i expressed that, one day i got a bill saying that owed this large balance an i I 'm confused because i know i do n't owe it i have benefits that job covers majority, it says its because i did not pay the co pay but i never received that mail
Consumer complaint received 2017-09-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Eagle Home Mortgage, LLC (CA)

We were in the process of purchasing a home in XXXX, CA. We submitted an offer on XX/XX/XXXX. The listing agent required buyers to obtain cross approval with their designated lender " XXXX XXXX at Eagle Home Loan. Which we did. There was apparently multiple offers on this property. After approximately a week with no response from the listing agent, our agent received a call from the listing agent 's designated lender XXXX XXXX who indicated that if we ( buyers ) would use his company to handle our mortgage financing the listing agent would choose our offer. We told the listing agent we had full approval at our current lender ( XXXX ), however we said OK we would use their lender. Sure enough, we received a response indicating an acceptance of our offer. 

When it came time to remove the loan contingencies, XXXX ( Eagle Home Loan ) still did not have loan approval. He assured us he would get our loan approved. So we removed the contingency which exposed our earnest money deposit. In the meantime he had us jump through a bunch of hoops that cost time and approximately $ XXXX. When it came time to close escrow, he still did not have loan approval. We ended up paying a {$100.00} per diem to the seller to extend the escrow closing date. Two days before were supposed to close escrow on the extended closing date, XXXX said he could not do our loan. At that time we switched back to ( XXXX ) our original mortgage company onXX/XX/XXXX. XXXX was able to get the loan approval and funded in 17 days. 

Our complaint boils down to two issues : 1. Eagle Home mortgage mislead us and it cost us needlessly {$2900.00} ( per diem ). 

2. When we advised XXXX XXXX at Eagle Home mortgage, that we switched lenders, he sent an email to the listing agent stating ( XXXX ) our lender could not approve our mortgage in an apparent attempt to sabotage our escrow. Which could have jeopardized the purchase of our home and cost us our earnest money deposit. 

We would like the lender ( Eagle Home Loan ) to refund the {$2900.00} Per diem we needlessly paid. And we think people should know about the dishonest practice of this lender. 

Post script : Our original lender was indeed able to complete our mortgage approval and we closed escrow.
Consumer complaint received 2024-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2024-04-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (TX)

In XXXX, I faced medical hardships and informed Discover Bank leading to the closure of my account. In XXXX, it was marked as a charge-off on my credit report. According to IRS Publication 4681, if a creditor forgives a debt of {$600.00} or more, they must send me and the IRS a Form 1099-C, but never receive it. Despite multiple attempts, Discover 's CBO Department informed me that the form was generated in XXXX, and each time I request a copy, they say a third party will mail it to me within 7-10 days. This issue has hindered my ability to qualify for lower medical payments for XXXX XXXX XXXX XXXX XXXXXXXXXXXX and for affordable housing. Additionally, the IRS has informed me that the longer I delay amending my XXXX return, the more penalties and interest I'll incur. Despite providing my updated address and phone number, the issue remains unresolved, and I need assistance in resolving it.
Consumer complaint received 2024-04-26
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I received an Amex XXXX Card for {$130.00} American Express XXXX XXXX XXXX, which loads on XXXX XXXX XXXX XXXX XXXX  and shows a balance. I attempt to use this on XXXX ( using {$0.00} less than the face value of the card ). And the transaction is declined. I can't seem to load my XXXX card at all
Consumer complaint received 2017-07-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (CA)

XXXX / XXXX /2015 Wells Fargo Bank Account Acct #   XXXX      XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  -   XXXX    Ca  XXXX  Soc. Sec #   XXXX   Personally went into branch and advised a customer service representative on site of the fraud to this account and the overdrawn amount that was displayed under my name.The representative agreed to have this looked into and reported the issue. Account was supposedly closed, yet I have been informed that it has been reported.
This account was defrauded from a lost check book and has now resulted in this account reported to   XXXX   XXXX   XXXX  . I am requesting that this account be removed as I am having major issues trying to open a checking account with financial institutions.
The amount of {$1100.00} should be corrected and removed from my obligation do to the fraud that I reported to the institution.
Consumer complaint received 2017-07-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

My girlfriend and I have been using Coinbase.com /  XXXX  for cryptocurrency trading.
On   XXXX   XXXX  , 2017,   XXXX   initiated a bank wire transfer from her   XXXX   XXXX   to my   XXXX   account in the amount of {$20000.00} to invest. However, it is only after we have not gotten the funds, when we realized that the sending account name has to match with the recipient account name.
We then called   XXXX   XXXX   to ammend the wire instructions, so we can correct the recipient name back to her own name, which we did. We also called the   XXXX   XXXX   ( Coinbase 's bank ) to verify, and they did verify that the funds were deposited.
However, it is now   XXXX   XXXX  , 2017. Almost a week later and nothing has been done. Both of us have been emailing coinbase and   XXXX   with aboslutely no response. We tried support@coinbase.com, wiresupport@coinbase.com,  XXXX  with no response.
Ive tried to message them on twitter, i 've even started a thread on reddit to resolve this issue. Still, nothing happened.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (IL)

My name is XXXX XXXX a natural real person. After informing each credit agency of the errors on my credit report and the violation of not only the fair credit reporting act and the privacy act of 1974, they have continued to ignore my rights and ignored my request of deletion of these accounts.This is my last step of requesting for help or I will take legal action. I am very committed to ensuring my rights title an interest are given to me. Furthermore by not informing me within 5 days of receiving my dispute each credit agency violated 15 U.S. Code 1681 ( i ) ( 2 ) ( A ) - Procedure in case of disputed accuracy Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. Under 15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. And as a consumer my rights have not been treated with respect. Furthermore Each credit agency has continued to violate section 15 U.S. Code 1681i - Procedure in case of disputed accuracy ; ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. They have once deleted XXXX XXXX XXXXXXXX and then reinserted it into my file and did not give me anything in writing within 5 business days stating reasons or proof of error. Under 15 USC 1681 ( a ) ( e ) investigative consumer report the steps outlined in proving accuracy was not properly executed. I want each account below deleted immediately
Consumer complaint received 2024-04-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Atlas Credit Company, Inc. (TX)

On XX/XX/year> i received a call stating I could get some extra money in my pockets at no extra cost to me! So a I called Atlas credit co. And we initiated the process with no one explaining to me that it would start my loan balance over, so when I made my next payment no asked my balance it was at XXXX when the last time it was at {$450.00} and I only received {$190.00} so after that interaction I asked for a manager because I said they manipulated me into renewing my loan unknowingly and to me they said whenever she has time she will contact me an never did.
Consumer complaint received 2023-02-02
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. (CA)

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

XXXX collections account # XXXX XXXX collections account # XXXX XXXX collections account # XXXX XXXX collections account # XXXX 15 USC 1681 section 602 A states I have the right to privacy. 

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 atendates the report by more than 7 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 2023-04-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: REGIONS FINANCIAL CORPORATION (MS)

I am have been a customer of Regions bank since XXXX. The bank has been charging me an analysis fee for the pass seven year for a service that I was not receiving. XX/XX/XXXX the fee was {$15.00} per month. XX/XX/XXXX the fee has increased to {$40.00} per month. 

I went into my local branch and talk to the branch manager. He told me the bank no longer provides this serves and he would put in a ticket concerning the monies withdraw from my account. The branch manager called me the following week with an update. He stated my account would not be charged an analysis fee any more and that the bank would be refunding me the last three months of the fee that were charged to my business account. 

On XX/XX/XXXX I sent the branch manager an email. Explaining my concerns of being charged the last seven years a fee for a service I was not receiving and I did not think it was fair for the bank to only refund me for three months. I receive no response to my email so I sent another one on XX/XX/XXXX still no response. 

I am a small minority business owner that was blessed to keep my business opened after the challenging times of the pandemic. Your assistance with this matter will be greatly appreciated.
Consumer complaint received 2024-04-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SYNCHRONY FINANCIAL (FL)

XXXX - Previous Complaint number or Case Number Creditor Charge Off and transferred this account to a Collection Agency and reported as a bad debt but I never received a copy of the 1099C For Care Credit Account ending in XXXX
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: AES/PHEAA (CA)

I disputed multiple accounts for false identifying information certified mail ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). I sent the correct information to the credit bureaus to remove the accounts with incorrect or fraudulent information ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). Instead of deleting the accounts from my credit file the companies updated information on the accounts which is a failure to investigate and fraud. I have submitted this complaint to the companies more than once and they still have not deleted the items. They are failing to investigate. This is a failure to investigate and a violation of the FCRA. I have sent this complaint to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Phillips & Cohen Associates, Ltd. (IL)

I paid all of my bills... I don't owe any Bank. But XXXX and XXXX still keep the old collections on my credit report. I think that all XXXX  credit reports should have the same information.
Consumer complaint received 2022-11-30
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. (PA)

XXXX  ACCT : XXXX DATE OPENED : XX/XX/2017 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

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

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-04-25
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A. (MI)

They never get back with me. They never answered my calls and I am doing this over and over. Im running into the wall so Im a try again and Im gon na have a fresh start and try to get this off my report once and fall because its not accurate.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (IL)

XXXX XXXX  XXXX is violating Law FRCA Section 605B according to FCRA It is illegal to report information on my credit report without my permission or written consent. Thank you please remove this from my credit report immediately.
Consumer complaint received 2023-02-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-03-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (PA)

In the beginning of the XXXX lock down my husband and I lost our employment and we could not pay our mortgage. We called PHH our loan servicing company XXXX XXXX XXXX is the investor on our mortgage and holds our mortgage ) we were advised by PHH that our investor participates with forbearance and we were able to use that option. We were told to call them as soon as we were ready to resume payments. We have called PHH in XXXX and told them that we were able to resume payments. And wanted to start making payments. We were not given an option to resume monthly payments we were denied modifications after modification as well the deferment was denied. We were told that the investor ( XXXX XXXX XXXX has denied our modifications. It's been over yr. Now and we are getting letters that we are in danger of losing our house. We have 90 days to cure our XXXX balance otherwise we are facing foreclosure. We were not given any solution and help. We do not want to lose our house! Please help
Consumer complaint received 2024-04-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (IL)

I'm filing a complaint against wells fargo for charging me a additional overdraft fee of {$35.00} for no apparent reason I spoke to a escalation team representative XXXX badge # XXXX he claims my account was overdrawn by {$30.00} before I overdrawn my account but looking through all my transactions that is false because if it was overdrawn by {$30.00} it would have never let me overdrawn the account if that was the case through all the transactions of the XX/XX/24 there was money in the account the extra overdraft fee I was charged for claims when I made a withdrawal for {$53.00} at the bank that's what I was charged for but I had {$3.00} left in the account so it was never in the negative below I will have pictures showing my account and would like this matter investigated