davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2019-09-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION (CA)

They have done it AGAIN!!! I will attach my statement. On XX/XX/19 I used a toll road, which cost {$2.00}. Afterwards, my balance was {$10.00}. THE VERY NEXT TRANSACTION WAS AN OVERDRAFT FEE FOR {$32.00}! ~!!!!! It was the overdraft fee which made my balance negative, NOT my toll fee. Also, on the day I originally complained, I TOLD the customer service rep to RESCIND the overdraft agreement, because she told me it was my fault for allowing overdrafts ; I said, and I have a copy of this : " STOP IT!!! '' TAKE THE OVERDRAFT FEATURE OFF! '' She replied, ok. 
The way this banks does things, I HAVE ZERO CONTROL OVER WHETHER OR NOT I Am charged an overdraft!!!! I am unable to manage this, based on the way this bank does business. THEY TRICK US!!!!!!!!! I have NO control and can not avoid these fees!!!! 
The way this bank does things, I have ZERO control over whether or not I expose myself to overdraft fees. I am not able to assess this, based on THEIR statements, as they make them available TO ME!!!!! 
When I made this payment, I got NO notice of overdraft. NOW, I am charged {$32.00}. If I could figure this out or manage it on my own, it MIGHT be fair, but even that is doubtful. The way they process transactions makes it IMPOSSIBLE for me to avoid their overdraft fees. Please, CFPB, READ THIS!!!!!! The bank will not tell the truth!!!!
Consumer complaint received 2021-01-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (MA)

i've visited XXXX XXXX XXXX on XX/XX/XXXX. They created online account for me called patient portal, where i was able to log in and see all of my information. i also had medical insurance and after my medical insurance coverage i did recive email that i have new balance due on XX/XX/XXXX. i paid my balance online on my account on patient portal on XX/XX/XXXX. few months later ive recived phone call from collection agancy that i own money to XXXX XXXX XXXX. after phone call i tried to log in to my account with XXXX XXXX XXXX to check is that true and i wasnt able to. i called XXXX XXXX XXXX ( phone number : XXXX ) after that on XX/XX/XXXX and they told me that they dont have any information about payments or bills or my account because they changed the system they use. they dont use old system anymore, that they used few months ago, so thats the reason why i can not access my patient portal account either. they gave me phone number of their accountant ( XXXX ) which i called few times and they never answer. i tried to call XXXX XXXX XXXX again to try access my bills with them and try to make a payment with them if i own anything and they never picked up. i am still not able to log in in my patient portal. but on my credit report it showed up on XX/XX/XXXX collection account by radius global soulutions that i own XXXX XXXX XXXX {$70.00}.
Consumer complaint received 2021-01-04
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. (OH)

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2023-02-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Mercury Technologies, Inc. (AL)

On XX/XX/2023 I tried to open a Business Checking Account. So I up loaded all my documents and information that was asked of me. So, XXXX XXXX  decided to deny me so I tried to call but could not by phone. So I proceeded by sending a email asking why and they could not give me a reason why I was denied. As a citizen I have a right to now why and would not provide that information to me. So that is why Iam doing this compliant.
Consumer complaint received 2021-01-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

mailed letter to transunion on XX/XX/XXXX requesting that they remove my old addresses and also to investigate an account on my credit report and send me back the validation. well, it is now XX/XX/XXXX and the only thing they did was update my address on my credit report. they did not respond with any validation for the account I requested at all. it is now well beyond 40 days. they only have 30 days according to the FCRA. it has been about double that. they are in violation of the FCRA and could face fines i also attached proof of delivery, so i know they got my letter
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2017-10-15
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: General Motors Financial Company, Inc. (FL)

I have contact Gm Financial to let them know this account was open by someone else I even send them identity theft document that i report to identitytheft.gov i request document from them and gave them 30 day to reposed and didnt get no document from them
Consumer complaint received 2021-01-04
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: OPTUM BANK, INC. (GA)

I am writing to file a complaint about Optum Bank, https : //mycdh.optum.com/ I have participated in my employer 's flexible spendingaccount ( FSA ), both on medical and dependent care. The accounts will automatically withdraw funds from my salary and put it into FSA, managed byOptum Bank for the purpose of pre-tax savings. Due to the CARES Act, employees are allowed to have a new election to put more fund into account mid-year, therefore I selected additional {$480.00} this past XXXX into my XXXX medical FSA, in effect beginning XX/XX/XXXX, as you can see in the attached pictures. On XX/XX/XXXX, I submitted a medical claim incurred as copayment {$250.00} ( I had a biopsy in XXXX and another excision biopsy in XXXX, resulted in twice {$250.00} XXXX, here I only submitted the first one ), then it was partially denied and the reason was insufficient fund, which was incorrect as I already had new fund elected and the total of my balance at the time was {$490.00} in that account ; I called the Optum customer services after several failed attempts re-submitting the remaining " denied '' amount {$230.00}. I received their phone call back in late XXXX telling me it was approved and I should receive my claim within 3-7 days, but I didnt receive the claim check, so I called their customer services again, then received a call saying it was approved, but still did not receive the check after a week. It's already been several cycles of me calling them and they responded in either calling back or sending me secure messages. During these past 3 months, much of my time and energy has been spent on this single claim/matter. On XX/XX/XXXX, the representative told me via secure message that I needed to provide the receipt for that claim, even though I already submitted the receipt over 2 months ago XXXX ( and many times XXXX and was approved, before my claim could be " approved again ''. On XX/XX/XXXX, I received a secure message from customer service asking me to call them, with my name spelt incorrectly.To date, I still have not received my claim and have not been able to subsequentlysubmit my second {$250.00} copay incurred in XXXX. I still have {$490.00} remaining balance that is withheld ( illegally ) byOptum Bank.
Consumer complaint received 2021-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

My loan was recently transferred to Specialized Loan Servicing. My loan does not have an escrow account, however there is currently an escrow balance of {$3700.00} on the account. I have contacted SLS several times about the refund of this balance but have not received any update on when it will be disbursed to me.
Consumer complaint received 2021-09-15
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

Hi i need help with getting access to my cd that was being used as collateral for a business credit card with bank of america. 

The credit card has been paid off to a XXXX balance and closed down but i still cant access the funds.
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IA)

I sent a dispute letter to Equifax on XX/XX/2021 in regards to inaccurate and incomplete information on my credit report and I havent heard anything back in regards to that dispute. Please help me with this.
Consumer complaint received 2021-01-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (CO)

I received a collection notice from Radius Global Solutions. I asked for verification of the debt. All they sent were statements showing an accountant being charged fees on top of fees. I subsequently asked for more verification as what they sent didn't meet what is required by FCRA. I am once again asking Radius Global Solutions to provide me with 1 ) An ORIGINAL contract between myself and the original creditor. 2 ) The proper legal assignment contract between you the collection agency and the original creditor ( proof that you are legally assigned to collect this debt on behalf of the original creditor not just buying debts for pennies on the dollar to collect illegally. 3 ) Proof that you are licensed to collect debts in the the state of Colorado 4 ) a line by line accounting of the ORIGINAL account ( transaction history, a full breakdown, not just pages and pages of an account in the negative being charged fees. 5 ) roof that you the collection agency are in compliance within the statute of limitation in the state of Colorado. If you can not provide the aforementioned materials, collection efforts need to stop and this needs to be pulled from my record.
Consumer complaint received 2021-09-15
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: HOME FINANCING CENTER (FL)

show in my credit report a company whit the name XXXX, I have give a call and ask why I have this report so they tell me a company whit the name home financing have look my credit three times. so I call the company homem financing and asking if they have any documents signed by me give a authorization to look my credit and they dont have.

I did not authorize this. they dont have any documents nothing, I need this issue resolved this lower my credit score I have call the company and send email to the manager try in solution this in the best way.

this is the three reference number. 


XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Thank you! 
XXXX XXXX
Consumer complaint received 2023-02-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I received a fraudulent check and deposited it in my bank account, unaware that it was fraudulent. The bank has since closed my account, and I made a police report about the incident. My bank account was with Bank of America and upon completing the police report they told me that I had to reach out to checks and explain the situation so that I will be allowed to open accounts again. Thank you.
Consumer complaint received 2021-01-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MJ Altman Companies, Inc. (GA)

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX To Whom It May Concern Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no prooofs to offer to support a dispute, and thus your asserton in the form of a polcie report is being used to obtain blockage, not contest the accuracy of its reportin Stating that you have reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) Transunion has reason to determine that you obtained possession of goods Respond As a victim of identity theft ( meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver 's license numbers, in order to impersonate someone else ) I have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not continue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C. 1681s- 2 ( a ) ( 6 ) ( A ). Second, under FCRA section 615 ( f ), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA 615 ( f ), 15 U.S.C. 1681m ( f ) .As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed [ or request another specific change ] to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question **Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible Thank you.
Consumer complaint received 2024-02-23
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: Go Capital Holdings, LLC (GA)

I recently reviewed my XXXX consumer profile and found an hard inquiry from a " non-account '' holding creditor named XXXX XXXX on XX/XX/2023. I've never given permissable purpose thru verbal or signed written authorization for this company to view my consumer profile. This may be a case of predatory tactics used by some auto dealers but without the consumers consent. I've never received any type of confirming denial or approval disclosure of any loan I allegedly applied for with this company. I sent a certified letter to dispute and requested proof of authorization for this inquiry with XXXX XXXX or resolve with a deletion of this inquiry from my XXXX consumer profile immediately. This unauthorized inquiry is suppressing my ability to obtain credit and is damaging my mode of living.
Consumer complaint received 2021-01-04
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. (VA)

I have contacted Experian on multiple occasions beginning in XXXX - XXXX. Experian has failed accurately report information pertaining to an account listed as XXXX XXXX XXXX on my credit report. Experian 's most recent update XXXX XX/XX/XXXX XXXX still contains inaccurate details on my credit report, it shows that the payments were deferred on the account which is not true. It also shows that the account is charged off however ; it does not reflect previous payment history. I have asked Experian to provide details on how they have verified the information reporting on my credit report. They have not responded. I have asked Experian repeatedly to remove inaccurate information from my credit file. Experian has failed to do so.
Consumer complaint received 2021-01-04
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: EQUIFAX, INC. (UT)

XXXX, XXXX, and Equifax have not been responding to any of my disputes that I have sent over the last several months and that is against the law! I have not been notified or received any correspondence from them and I've been sending letters since XXXX of 2020. They are reporting serious errors on my credit file and they need to provide me with results!
Consumer complaint received 2021-01-04
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. (UT)

Transunion, XXXX, and XXXX have not been responding to any of my disputes that I have sent over the last several months and that is against the law! I have not been notified or received any correspondence from them and I've been sending letters since XXXX of 2020. They are reporting serious errors on my credit file and they need to provide me with results!
Consumer complaint received 2021-09-15
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX On the dates listed

above , the items listed were adding to my credit report without my consent. I want to inform your office that you are in violation of my rights by reporting false and inaccurate information. I have no knowledge of these accounts. 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. ( c ) Attorneys fees Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper.
( d ) Clarification of willful noncompliance For the purposes of this section, any person who printed an expiration date on any receipt provided to a consumer cardholder at a point of sale or transaction between XX/XX/XXXX, and XX/XX/XXXX, but otherwise complied with the requirements of section 1681c ( g ) of this title for such receipt shall not be in willful noncompliance with section 1681c ( g ) of this title by reason of printing such expiration date on the receipt.
Consumer complaint received 2021-01-04
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. (TX)

Errors on my report with following : 1 ) XXXX XXXX 2 ) XXXX XXXX / XXXX XXXX 3 ) XXXX XXXX XXXX XXXX XXXX {$170.00} 4 ) XXXX XXXX, XXXX XXXX XXXX {$420.00}
Consumer complaint received 2021-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

In credit card disputes with merchants, JP Morgan chase does not ask us its customers to present any evidence when we are contesting a charge. 

In my case, I bought two train tickets in error in XXXX. I told the train operator who agreed and handed me a receipt to take to the ticket booth to get a refund. The booth was closed and thus I had to contest the charge with Chase. I was waiting to present the refund receipt I was handed by the train operative- but chase never asked for it and found in favor of the business. This has happened countless times with Chase.