davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Last XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, TX XXXX To whom it may concern. I am filing a lawsuit on XX/XX/XXXX against XXXX  and Bank of America. I had tried countless times to dispute the item ..Bank of America account that continues to fraudulently report to my credit. Not only is the account fraudulent but the statue of limitations for the particular debt has passed and yet its still being reported. I have hired an consumer attorney to assist with my lawsuit. ( XXXX XXXX XXXX XXXX ) in XXXX Florida.. My consumer attorney is ( XXXX XXXX XXXX XXXX XXXX I brought him all my dispute receipts certified mail documents. I disputed this account. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In which I have all documents to prove. Also Bank of America continues to report fraudulent account. I have wrote them countless letters asking them to verify debt. Asking for original document with my signature, balance owed, terms and agreements etc.. they have not responded at all.. 

The account is below BANK OF AMERICA Account number XXXX .... 
Recent balance {$15000.00} as of XX/XX/XXXX XXXX opened XX/XX/XXXX You have 24 hours to remove fraudulent and negative account or we will proceed seeking full legal damages
Consumer complaint received 2024-02-28
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. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 - XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/2023 - XXXX XXXX XXXX  || Date of inquiry : XX/XX/202XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2023 - XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/202XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2023 - XXXX XXXX XXXX  Date of inquiry : XX/XX/2023
Consumer complaint received 2021-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

Under threat and intimidation from a so-called XXXX technician, my wife and I purchased {$6600.00} XXXX XXXX and XXXX cards and a wire transfer of {$5000.00}. On XX/XX/XXXX. 
Received 3 notifications ( 2 are included ) that no errors occurred. That was it.

Unable to call directly for follow-up with personal accounts have to go through a long process for them to call you back. Still waiting. 
My business account was also involved but there was an 800 number to reach and talked to a fraud representative. They help business clients right away but not personal clients. Citizens Bank bias behavior. 
Have information who the scammer was and on one appears to want to follow up to help stop these type of incidents from XXXX including the local police and Citizens bank Citizens XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX
Consumer complaint received 2018-06-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (PA)

Our original mortgage was sold to Lakeview Loan Servicing , LLC ~XX/XX/XXXX. On XX/XX/XXXX Lakeview sent a check from our prepaid escrow account to our local tax collector for {$2500.00}, which was an incorrect amount, and the tax collector sent it back to Lakeview on XX/XX/XXXX and to date Lakeview has failed to pay our XX/XX/XXXX taxes. The first we were made aware of this failure was XX/XX/XXXX when we received a letter from XXXX County Tax bureau informing us our taxes had not been paid. Since that date we have made repeated phone calls to Lakeview with no results. Lakeview has admitted it's their mistake ; they have acknowledged to us they have our XX/XX/XXXX tax money and that they are responsible for all late fees which continue to accrue the XX/XX/XXXX of every month but despite our numerous phone calls, 2-letters from us and 1-from our attorney, they have still not dispersed our money they received last year to correct this problem. We have had customer service reps and supervisors " promise to call us back '' and they have never called us. We feel this company is a fraud, incompetent and essentially they have stolen our escrow tax money. XXXX county has also advised if Lakeview does not pay our XX/XX/XXXX taxes, our property will be added to the tax sale list. Please help us and stop this incompetent company!
Consumer complaint received 2018-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Monterey Financial Services LLC (IL)

I just recently paid a loan off that I originally opened with XXXX XXXX XXXX back in XX/XX/XXXX. The account was sold to Monterey Financial shortly after I opened the account. Monterey recently reported my account as late 30days, stating I hadn't made a payment inXX/XX/XXXX. I have talked with monterey several times this year and they have never said that my account was missing a payment until today XX/XX/XXXX, when I asked why did I receive a late pay on my credit report at the end of my loan payment which I made on XX/XX/XXXX, for {$190.00}. I was told by the rep that I missed a payment in XX/XX/XXXX, and that the missed payment is the payment I made on XX/XX/XXXX, and that is why we reported you late 30days from XX/XX/XXXX. I received this correspondence via email on XX/XX/XXXX, after 2years.
Consumer complaint received 2021-04-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On XX/XX/2021 I contacted TransUnion by phone and did write a letter to initiate a dispute about inaccurate information they are reporting about me. I was not given the opportunity to initiate a dispute but Instead, I was told by the representative to contact the six financial institutions who placed an inquiry on me and request that they send TransUnion a letter of dispute inquiry. I know that according to the FTC rules, TransUnion is supposed to personally investigate and initiate a dispute on my behalf with these six financial institutions when I bring to their attention that they are reporting inaccurate information against me. To this date, I have not had a response from TransUnion and I would like them investigated my disputed inquiries. TransUnion is reporting in accurate information about me that is affecting my credit score and refusing to investigate the inaccuracies I have brought to their attention. I did not authorize these financial institutions to run inquiries on my credit. These inquiries should be removed from my credit report. I should be given a fair chance to have these inquiries investigated and removed.
Consumer complaint received 2021-04-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC. (AZ)

I started my refinance process for my house with Guaranteed Rate. My Loan consultant was XXXX XXXX XXXX ID : XXXX. I paid a {$500.00} deposit for the appraisal which was originally {$470.00}. The Loan consultant said that i would get the money back even if i decided to cancel my application. I felt that this agent was very misleading with his word. Im afraid he been taking advantages of other peoples just like he did with me.
Consumer complaint received 2021-04-21
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (IL)

I have had a lease with Hyundai/Kia financing since XXXX of XXXX. My lease is set to be completed XX/XX/XXXX. Due to the changing size of our family we need a bigger vehicle and I contacted Kia to figure out how to get out of my lease. Upon contacting them for several weeks about statements and an audit ( as of today I still have not received those statements ). The last payment I sent in XX/XX/XXXX was for {$1100.00} cents which made my account current. Imagine my surprise when I logged in I was notified a few days ago after disputing a balance of my account that I was still delinquent. How??? No one could explain until I was able to speak to a manager only after my husband called to speak to someone after I had been transferred over 5 times and hung up on several times. The manager after several moments informed me that I had a missing payment from XX/XX/XXXX! I was livid considering that I had paid not even 14 days before and asks what my balance was so that I could be current. She proceeded to tell me that Kia does not call customers if they are behind on bills or if one is missing .... I am sure that can not be right. I called again XX/XX/XXXX and spoke to XXXX who told me she saw I was current from the last payment and that she would contact the payment department but it would take at least 30 days to correct ... I would also need to call in for a status because they do not call out anyone ... I have retained a buyer but Kia would not give them more than 24 hours on the payout quote. When I asked I was told it was because it was right before a cycle and cycles are different on leases. I am trying to do the right thing but I refuse to pay a " bill '' from almost two years ago that I was never notified of. All I want is to get rid of this car and hold Kia accountable for their lack of customer service and due diligence. In the midst of a pandemic I am still trying to make sure that I am taking care of may responsibilities they need to as well.
Consumer complaint received 2021-04-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (NY)

I submit a market sell order on ROBINHOOD for XXXX XXXX coins on XX/XX/XXXX at XXXX and the order did not execute until XX/XX/XXXX at XXXX XXXX. One minute after I placed the order, I submitted a cancellation request for the sell order. I never received an email for the cancellation, nor for a confirmation of the original sell order. The cancellation never processed even though it went through on the Robinhood XXXX and my shares were sold at a significant loss. I emailed them and they said they would get back to me, this was on the XXXX. No reply since. I feel robbed.
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

Equifax ; XXXX and XXXX should not be reporting a collection/chargeoff in the amount of {$950.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid in full and should be reporting a {$0.00} balance. This account needs to be updated to report accurate information. This false reporting of a collection is seriously harming my credit score and this line item needs to be updated and/or removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: First Investors Servicing Corporation, Atlanta, GA Branch (NC)

This first investors account on my credit they sold my legal information to XXXX XXXX. I was able to get it removed off XXXX but the company is giving me a hard time to move it off XXXX  i keep disputing it over and over. It is very old. So im not able to get a vehicle anywhere to make it to doctors appointments during covid
Consumer complaint received 2021-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion failed to investigate the alleged collection in my credit file from XXXX XXXX XXXX. I do not believe the information they have on file is listed correctly. The information in my credit file stating that my alleged account with XXXX XXXX XXXX was overdue and had been sent to a collection agency is incorrect. I believe the problem is the result of a clerical error and should have been corrected long ago.
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SS : XXXX DOB : XX/XX/1990 Account- Nissan Motor Acceptance Account # XXXX After Moving from XXXX , IL to XXXX , Arizona I recently reviewed my credit report in order to obtain a mortgage on a home and I noticed several inconsistencies and inaccuracies regarding the account NISSAN MOTOR ACCEPTANCE. These can not be accurate. The name on the account is not me. I am XXXX XXXX NOT XXXX XXXX. Also these accounts appear to be furnished by the same creditor so why is all the provided data different? Delete ALL information regarding this account from ALL credit reporting agencies WITHIN FIFTEEN 15 CALENDAR DAYS you are required by federal law to verify - through the physical verification of the original signed wet-ink consumer contract with my signature on it- This is NOT a request for verification or proof of my mailing address Now, I respectfully request that your office ( s ) provide me with competent evidence that I have any legal obligation to pay this debt PLEASE DELETE IMMEDIATELY
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC.
Consumer complaint received 2019-12-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UMB FINANCIAL CORPORATION (KS)

XX/XX/2019, Consumer Financial Protection Bureau XXXX XXXX  XXXX XXXX, IA XXXX, To : Consumer Financial Protection Bureau : Subject : UMB, Bank not fostering consumer confidence in banking! 

There is an issue of trust and misleading business practices at the below bank. 

UMB XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, KS XXXX On XX/XX/2019, I deposited {$200.00} in cash and received a deposit receipt. I verified that the money was deposited into the bank through mobile banking at XXXX XXXX  Around XXXX XXXX  XX/XX/2019 the money was gone out of the checking account ending in XXXX. 

I needed that money to be there for the intent to pay XXXX XXXX Bill with UMB, Bank mobile banking on XX/XX/2019. 

I had to immediately make a mobile deposit from another bank into UMB, Bank to cover this payment with XXXX XXXX. 

The problems is, if I would have not caught this mistake by UMB, Bank I would have incurred Non Sufficient Funds Check Fees with XXXX  XXXX and UMB, Bank. 

I am concerned that this may be a practice for capital gain. Enclosed are supporting documents. 

I am giving the bank a copy of this letter and they probably will be contacting you soon, but still please look into this matter of concern as I don't want this to happen to anyone else if it's not already have. 

If I can be of help of any kind, I can be reached at XXXX Thank You for protecting the consumers.
Consumer complaint received 2021-04-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: EQUIFAX, INC. (IN)

Their phone number is XXXX Constantly calling! 
They never leave texts or voicemails. I've called that number and it's always busy or it disconnects. 
I HAVE called other numbers too that are harassing me with calls. Gotten a hold representatives. They promise not to call again but within 2 or 3 days, they start calling again! 
I know it's about credit card debts.
Consumer complaint received 2021-04-21
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: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (CA)

on XX/XX/2021 I found an unauthorized transaction XXXX XXXX XXXX XXXX  charge {$85.00} XXXX on my Discover credit card. I called and disputed this charge with Discover. They investigated it and they said this charge was valid and refuse to reverse {$85.00} to me. The Discover told me I need to contact with XXXX XXXX to get a solution. 
It is just because the XXXX company have provided some documents to Discover? so I have to pay this charge? It is unfair for a customer like me. 
Case Number : XXXX Merchant Name : XXXX XXXX Dispute Amount : {$85.00} I think the credit card fraud use is not a consumer 's faulty, right? My vehicle is small XXXX XXXX XXXX XXXX the full tank is about 15 gallon at most XXXX and never can add over 25 gallon, {$85.00} XXXX unauthorized transaction by somebody ). 

After this unauthorized transaction, I was frozen the credit card so nobody will be continue to use it again. But on XX/XX/2021, I found somebody used the card again on XXXX gasoline station - XXXX XXXX and fortunately I blocked it. 

Please advise me how should I do for this situation? Thanks you very much XXXX  XXXX XXXX
Consumer complaint received 2021-04-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (SC)

I have contacted this agency on several occasions to try to resolve this debt. 

Even though I do not believe this debt to be legitmate ( it was made without my authorization by an ex husband ) The current collection agency, Southwest Credit Systems, has refused on multiple occasions to both provide me with a written copy of the actual debt ( bill etc ) AS WELL as refused to provide me with their settlement offer in writing ( {$740.00} was the last amount offered ) THEY ALSO have refused to accept payment in full in one transaction. 
They have insisted instead that my only option is to enter into a payment arrangement with them, for multiple payments. 

There are other complaints online against this company for asking someone to do the same, only to fail to process their final payment of the payment arrangement, then finding the consumer in default of the payment arrangement, thus violating their " settlement amount '' and reverting their account back to the original inflated account balance.
Consumer complaint received 2021-04-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (MA)

Over the course of XX/XX/XXXX through XXXX of XXXX, I began to make significant payments on my 12 student loans through Fedloan. I paid off all twelve using the " request final payoff '' option over this time period. I received PAID IN FULL notifications for each of them. I made my last pay off payment in XXXX of XXXX. My account reflected a balance of {$0.00} for all 12 of my loans, and again, I had received PAID IN FULL pdf documents for each of them. I monitored this for about a month afterwards through XXXX of XXXX. 

Earlier this month, XX/XX/XXXX, I logged into my Fedloan account to get my tax information for the previous year. I was shocked to see a sudden total balance of {$250.00} XXXX principal and interest ) for 8 of the 12 original loans. 

I called Fedloan the next morning and after much arguing, the representative realized she could see the PAID IN FULL statements sent out on behalf of Fedloan in my account/document history, and she deferred it to lead review number 463. I called back the next week to see if there were any updates and the review team had closed it without explanation. I had the representative put it into review a second time, number 467, this time with proof of my paid in full notifications and a copy of one of the paid in full PDFs. It seems FedLoad is now stalling on acknowledging that an error has been made on their behalf. After calling again today, XX/XX/XXXX, it seems they are just further stalling on coming to a conclusion on how this happened and clearing my balance. Again, I have proof that all of these loans are indeed PAID IN FULL and should not have any balance at all. FedLoan also acknowledges they have copies of these documents on their end but they are stalling to fix the problem and clear the balance. 

Attached is a copy of one of the 8 loans ' PAID IN FULL statement, along with a screenshot of the email notifications for my other loans.