davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX, XXXX  an online domestic wire was initiated by me from our business XXXX by XXXX 's bank XXXX, to a recipient 's account at Bank of America. Bank of America would not complete the deposit even though it received the funds. My bank requested a refund on XX/XX/XXXX, again on XX/XX/XXXX and finally on XX/XX/XXXX via the swift system. All requests were never responded to, and XXXX closed the refund request on XX/XX/XXXX. I just asked them to reinitiate a refund request and am on hold with Bank of America currently. It is impossible to get ahold of anyone there. The recipient never received the funds, and Bank of America won't return them. This is absolutely unacceptable, and criminal charges should be filed against them for illegally holding our money. It is stealing. When finally reaching someone at Bank of America, after being on hold for 30 minutes, the call was disconnected after someone said hello.
Consumer complaint received 2023-07-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I was at work and I received a phone call from an unknown caller. I answered my work phone and was quickly greeted by a man on the line, the only thing he said to me was? " XXXX ''? I said " yes ''? and he hung up on me. Everything I have read about debt buyers, states if they call you they have to reveal who they are, where they work and why they are calling. This person did none of those things. 
About a week later I receive a collection letter in the mail from Portfolio Recovery alleging I own them on an old defaulted credit card that was over XXXX XXXX XXXX. I quickly wrote them a letter requesting verification on this alleged debt as well as a request to NOT contact by telephone nor at my place of employment that I wanted all conversations in writing. 
XXXX days later after I sent my request to Portfolio Recovery, I received a new letter from them stating they had purchased this debt and saying " it is your account '' with photocopies of what looked like statements, but they had Portfolios name at the top as the creditor, and the account number on the photocopied statement did not have any account number that I have on ANY of my credit cards. At this point I got onto the credit reporting agencies to get my free credit reports, and I look them over and actually what used to be a defaulted credit card for XXXX now had Portfolio Recovery name showing they are the creditor and the defaulted date had been changed to the current date???!?!??! I did not think that could reset a default date to make it look as if it had just be defaulted on??? I had not made any payments on that account in over 5 years and now it sits at current date. I contacted the credit reporting agencies and filed a dispute in which in 30 days Portfolio sent again photocopies of statements to me and let the credit agencies still report it as a new debt and would not change my credit report back. For a few months I went around and around with this debt buyer and one day I receive a knock on my door and it was court server serving me with court from their attorney out of state. They were so late serving me those documents I only had 10 days to respond, with the documents 12 days late. I didnt even have to get paperwork filed or help on this and it defaulted. Portfolio then garnished my wages through the sheriffs office for over XXXX per month. I sent the sheriff a income and expense report and he cut the payments off. So in the end, I just sold my home this past XXXX and they paid the payment in full from my proceeds from my home. This company are schisters, dishonest scammers and should not be in business!!
Consumer complaint received 2019-07-12
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: Experian Information Solutions Inc. (AZ)

I sent a certified letter on XX/XX/2019 to EXPERIAN with 3 separate disputes, each one had a  separate cover letter and each one was separated with clips. They acknowledged 2 out of the 3 disputes that I sent but never opened a dispute for the last one or notified me of any results. The dispute in question is in regards to inquiries on my credit report that I did not authorize. I did send a follow up letter as well to address the issue and still no response. 

" Under the FCRA, a credit reporting agency has to review and respond to every dispute it receives within 30 days. If the review isn't completed because, as commonly happens a data furnisher doesn't get back to the bureau in time, the agency is obligated to remove the disputed record. ''
Consumer complaint received 2023-05-24
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. (CA)

I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX. Please correct and update.
Consumer complaint received 2023-05-23
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)

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 XXXXXXXX 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 2023-05-23
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. (WA)

Sir/Madam, I am writing to bring to your attention the ongoing issues I have been facing as a consumer with Experian, one of the major credit reporting agencies. I have disputed four accounts with Experian due to inaccurate information that they continue to report, despite being aware of its falseness. 

The account disputes appear on my credit file as XXXX XXXX  Bankruptcy I have never had a XXXX  Bankruptcy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy-ACCT XXXX Through their actions, Experian has not only violated the provisions of the 15 US Code 1681A, which guarantees the right to privacy, but they have also infringed upon the regulations set forth in the 15 US Code 1681B2, as they shared my personal information with a third party without my explicit written or verbal consent. This amounts to fraudulent behavior on their part. 

Experian claims to have conducted an investigation into my dispute and asserts that they verified the public record with the court clerk. However, I would like to bring to your attention that this particular public record has been deleted from my XXXX file. I have uploaded this information to Experian as evidence, yet they refuse to delete these disputed accounts from my credit file. 

Their refusal to act on verified and accurate information is not only disheartening but also detrimental to my credit score. As a direct consequence, I have suffered from higher interest rates and other financial difficulties. 
Furthermore, I would like to emphasize the recent data breaches that have occurred at Experian, which have posed a significant threat to my personal and financial information. 

These breaches have resulted in great harm to my credit score and overall financial well-being. It is evident that Experian 's inaccurate reporting, coupled with their failure to perform a thorough investigation, has caused me undue financial distress. 


In light of the aforementioned violations and the evidence provided, I kindly request that the Federal Trade Commission investigate the actions of Experian and ensure that they delete the disputed accounts from my credit file. This request is made with the expectation that appropriate action will be taken against Experian for their repeated violations of consumer rights and their failure to adhere to reasonable investigation standards. 


Enclosed with this letter, you will find the relevant public records document that supports my claim. I trust that you will carefully review the evidence provided and take the necessary steps to address this matter. I appreciate your attention to this issue and look forward to a swift resolution.
Consumer complaint received 2024-03-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (NY)

In XXXX I leased my XXXX XXXX through XXXX XXXX. In XXXX I decided that I wanted to keep my XXXX and took a loan with Ally financial. At that point they should have had the title transferred from XXXX to them Ally Financial and they never did. They were also responsible for sending the Virginia Dept of Motor Vehicles the sales tax in the amount of {$1000.00} which they did not. In the loan contract attached you will see that my loan with Ally was satisfied and that the taxes in the amount of {$1000.00} were included in the loan but DMV has informed me that they never received the transfer of title from XXXX to Ally or the taxes. I have spent numerous hours on the phone talking to every department. On XX/XX/XXXX, I spent the entire day being transferred from department to department only to continue to not have no resolution. They are telling me I have to go after the car dealer for the taxes but my loan is between me and Ally. There is no other Seller on the sales contract but Ally. Ally is the Seller and lender of the loan which clearly makes Ally responsible to pay the taxes. I just want to sell my vehicle and am unable to do so because of this. I feel as though they have stole money from me at this point. If they will just look through their records to find this check that may help in some way but I can't even get that far with them because they keep telling me they are not responsible when its clear that they are. I really hope that you can help me with this situation because I am getting no where with Ally financial. They are not helping me and this money was paid and satisfied in my loan so they should be the responsible party to pay it but they are telling me that they are not responsible and the only way I can get the title to my vehicle is if they pay the taxes which are owed by them.
Consumer complaint received 2024-03-22
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: National Credit Adjusters, LLC (VA)

Tuesday XXXX XXXX I was able to receive a credit report because I kept falling my identity test. While reviewing my credit report I noticed that I had two social security numbers that was attached to accounts on my credit report. I also had an account with wrong information. So, the account with wrong information was " XXXX XXXX ''. This account was from XXXX XXXX XXXX XX/XX/XXXX. I gave them a call because I have XXXX and I didn't understand why my insurance wasn't billed. After speaking with them I found out the information that was on that account was not the same as my information so I'm requesting a dispute. Next was XXXX XXXX XXXX XXXXXX/XX/XXXX this account was for " XXXX XXXX XXXX ''. This account made me very upset because I have never had my own place and there billing information isnt consistent with mines. Also, I live in XXXX, and I can provide receipts for the last 8 years. Then the last one was National credit adjusters XX/XX/XXXX. This account is from Ohio as well, but the account was attached to a another social on my report and it was around the time I was giving birth to my daughter at XXXX. I believe someone may have had access to my information because I did lose my I.D . While riding home from work on the bus, I was so tired I left my purse and didn't realize it until I got home. 
.
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: ALLY FINANCIAL INC. (DE)

ON XX/XX/2023 - XX/XX/2023 CREDIT INQUIRIES WERE PLACED ON MY CREDIT REPORT FROM XXXX XXXX, XXXX XXXX, ALLY FINANCIAL, XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX. I HAVE NOT APPLIED FOR ANYTHING WITH THEM. I LOST MY WALLET AROUND THAT TIME HOWEVER I ORDERED A NEW SOCIAL SECURITY CARD AND ID. I AM CERTAIN SOMEONE TRIED TO RUN MY CREDIT AND/OR USE MY NAME. I DO NOT HAVE AN ACCOUNT WITH ANY OF THESE FINANCIAL INSTITUTIONS. WHEN CHECKING XXXX I DID HAVE A FRAUD ALERT NOTIFICATION AND FROZE MY CREDIT. THERE WERE MULTIPLE CREDIT INQUIRES DONE WITHIN A 7 DAY TIME SPAN.
Consumer complaint received 2019-11-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Harpeth Financial Services, LLC (TN)

Advance financial ive been paying this company for almost a yr and my balance has not gone down, i pay them around {$410.00} a month and only XXXX $ go towards the balance and the rest goes towards interest, ive asked over the ph several times to stop taking money fro. My account ive spoken with them several times on this issue, ive revoked ach and they're still deducting monies and every 2 weeks its a dif amount and i dont c any of my balance going down its just staying the exact same please help me with this issue thank u
Consumer complaint received 2023-02-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd. (MI)

On XX/XX/XXXX, I ended up at XXXX XXXX due to severe pain in my XXXX and a XXXX XXXX. I was in the above hospital from XX/XX/XXXX to XX/XX/XXXX During my stay in the hospital, I received a complex of medical treatment and procedures. He was discharged from the hospital on XX/XX/XXXX. That is, he was in the hospital for a day. 
On XX/XX/XXXX I received an invoice for treatment in the amount of XXXX &. My insurance company XXXX paid for 80 percent of the treatment and I had to pay the remaining amount of XXXX &. On XX/XX/XXXX, this invoice was paid by me in full. 
However, on XX/XX/XXXX I received a new invoice from the hospital for payment of my treatment in the period from XX/XX/XXXX to XX/XX/XXXX. This bill, 80 percent of the cost, was paid by my insurance company ( XXXX & ). I was billed for a payment of XXXX &. 
I do not agree with this amount of the invoice for treatment! I consider it unreasonably high and not payable. 
Now I will explain why! 
Based on Illinois and national average cost of drugs and medical procedures provided by the government website XXXX. your bill is too high and does not match the average prices for medicines and medical procedures. I will give only three examples from the invoice you issued in the comparative table, based on XXXX data I sent my objections in writing, by letter with acknowledgment of receipt, to the financial department of the hospital for a world order to resolve the issue. However, my appeal remained unanswered. In addition, the collection of the account was transferred for execution to collectors. About which I received a letter. 

I ask you to help me in resolving my financial dispute with XXXX XXXX and acknowledge the bill presented to me too overpriced
Consumer complaint received 2023-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (NC)

For the FIFTH month in a row Round point failed to apply my payment correctly. I've submitted MORE than the amount due. I've called and informed them how I'd like the payment applied and they continue to ignore my request and fraudulently charge me a late fee.
Consumer complaint received 2024-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Specialized Loan Servicing Holdings LLC (FL)

The account was placed on a 3 month Forbearance beginning XX/XX/XXXX ending XX/XX/XXXX. Payment could be made during thr Forbearance and the amount owed would have been reduced. 
A ayment made made a day prior to the Forbearance ending on XX/XX/XXXX. SLS has admitted to have rejected the payment which should have been applied towards the contractual due of XX/XX/XXXX. 
Payments have been made to cover all the end to a next due of XX/XX/XXXX. 
All payments have been rejected and returned to the checking account. 
SLS has no intention of accepting payments nor to honor the Forbearance terms.

SLS is acting in predatory lending.
Consumer complaint received 2023-07-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (LA)

I have sent several demands for validation of alleged debt but the creditor fails to respond and lawfully validate the debt they are illegally reporting. Then after I filed a dispute of alleged debt, the creditor damaged my credit even more by reporting the alleged debt twice.
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NJ)

To whom it XXXX concern, To start I am a veteran, and what this looks like is veteran benefits fraud. I have had my benefit coming to a prior bank for 17 year. Then I stop it from depositing in my account because of negative withdrawals. The mental health placed the deposit in TD Bank under another woman 's name. And from the time the account was open I have not got a print out of all the deposit and withdrawals to the account. They, the phys and the woman calming to manage the account for me. Seem to be hurting me some more than helping me. At times the woman is not even cooperating with me about me getting my money out to manage my life. The latest thing is that I paid my taxes and filed recognizing that now I need to pay more. Unfortunately, they don't want to give the balance. The taxes paid reflex 's the amount of Va benefits I receives. The money is used to manage my life with my daughter and my expenses. Now I in line to go back to work minus the complication. Please help! 

Very Respectfully XXXX XXXX
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

Dear Consumer Financial Bureau, On XX/XX/XXXX we mailed a business check to a vendor of ours for a total of {$21000.00}. On XX/XX/XXXX our vendor informed us that they never received the check, however we noticed on the online banking portal that the check was cleared and that the name of the payee was changed to a company that we have never worked with or heard of. 

We immediately contacted Chase bank which is the bank that we used under this checking account and filed a claim XXXX XXXXXXXX. We also filed a police report with City of XXXX Florida police dept. and the post office police. 

The fraudulent check was cashed at XXXX XXXX XXXX and as of today XX/XX/XXXX they have not refunded the money back to our Chase checking account. 

We have contacted Chase bank on numerous occasions in reference to this claim and they say that XXXX XXXX XXXX has not responded to the claim.
Consumer complaint received 2015-05-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRST AMERICAN FINANCIAL CORPORATION (CO)

XXXX XXXX homes offered to pay for 1 year 's HOA dues as an incentive for financing with their title company First American Title.. The title company calculated the HOA total incorrectly ; leaving the total 2 months short. XXXX XXXX paid settlement costs, but was short 2 months on the HOA dues. The HOA has now billed us, including late fees for the shortage, saying they are not responsible.
Consumer complaint received 2023-07-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

This is another complaint about the outfit called " Midland Funding LLC '' Through the CPFB process I have learned that Midland bought this " debt '' from a credit card company and that the credit card was issued to " XXXX XXXX '' at my address in XXXX XXXX. My name is XXXX XXXX and I have NEVER used the name XXXX XXXX. Midland ignored this fact and insists that I owe this debt. My original complaint number was XXXX. I maintain that this debt was issued fraudulently and that I do not owe it
Consumer complaint received 2023-02-24
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX AMOUNT DUE {$420.00} OPENED XXXX XXXX, 2021 XXXX XXXX AMOUNT DUE {$3100.00} OPENED XXXX XXXX, 2021 THESE ACCOUNTS WERE NOT OPENED BY ME
Consumer complaint received 2019-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to zero or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.