davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I paid my card balance to Bank of America in full on XXXX a balance of XXXX. This money was deducted from my checking account. On the XXXX of XXXX, Bank of American deducted this exact amount from my checking account again. I contacted them and was told that I would receive a check for that amount as a refund. On the XXXX of XXXX, I was at a XXXX balance because of this conversation. I never received the check. Then, on the XXXX, I was charged {$2700.00} two more times, as well as returned check fee of {$27.00}, and an interest charge of {$39.00}. I discovered this on the XXXX and I called Bank of America, and over the course of several hours spoke to four different people. I was told that they never received any payment from my bank, although it was clearly deducted from my bank account. The money appears to be gone from my checking account, and I somehow owe Bank of America {$5500.00}. I was told that the bank stopped the payment and that I should have the balance in my bank account in five business days, at which point I could pay my balance. I asked for a refund of the fees, since the situation was due to their error, and they refused, but said that Bank of America could discuss refunding the fees on the XXXX after I paid my balance. I asked to close my account, and then proceeded to do so. I then asked for the person 's direct line so that we could discuss refunding the fees on the XXXX, assuming that the $ XXXX was posted to my checking account. After he closed my account, he told me that because my account was closed he could not refund my fees. He did not advise me of this information before I closed the account, and led me to believe that the fees could potentially be refunded at a later date.
Consumer complaint received 2020-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

EXPERIAN Credit reporting is listing more than one Hard Inquiry,  which happened on the same day, when I purchased an automobile loan. The other credit bureaus are only showing one inquiry since they happened on the same day.
Consumer complaint received 2021-07-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Recovery Management (TN)

The doctors office that charged off this debt did so knowing the insurance company covered the cost. This office has a long history of not submitting to insurance improperly then billing the patient as well. After receiving the amount from the insurance company they still tried to charge the patient. Several attempts have been made to fix this error, the office clerk even acknowledged insurance had paid it but yet still tried to charge. If this isn't immediately deleted from my credit we will file suit. Not only against the original company but against this collection agency for a direct violation of HIPAA laws by obtaining medical records without patient consent. The also falsely reported to the agency that it was " affected by natural disaster debt, this is not something we claimed or filed.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2022-12-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MD)

Fair credit reporting act 15 usc 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

This account is inaccurate in many ways. I have previously reached out to LVNV FUNDING and the are in violation of law 15 U.S.C. 1692g ( b ) 15 U.S.C. 1681e ( b ) 15 U.S.C. 1692e ( 2a ) ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt.
Consumer complaint received 2022-12-29
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: Experian Information Solutions Inc. (GA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2020-09-27
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (PA)

Refinanced my mortgage with the same company ( Freedom Mortgage ). When I was closing XX/XX/2020 ; I noticed that the mortgage amount was awfully low. I then discovered that my escrow was incorrect, I mentioned this to the individual who I was closing with. I was told to contact the loan officer and ask for an escrow analysis. I sent the loan officer and email on or about  XX/XX/2020 to inform him about the account. I made several calls to the customer service department to get an escrow analysis. I was told I would have it in a week and it took over 4 weeks with me calling and requesting. I was very displeased with the way things had happened that I requested to speak with the person in charge of customer service. A supervisor had informed me that she sent my request via email to the person in charge of customer service and that she would respond to me. This went on for about 3 weeks  and no reply. I then asked to speak with the president of the company and no reply. 

I submitted a complaint to the local XXXX XXXX XXXX and finally someone contacted me. I had expressed my displeasure with the company and how my account was handle. She listen but when I had asked to speak with someone of authority I was told that the refinance department would contact me. I called her back to inform her that no one has contacted me. 

I find it very disheartening that a customer who has an issue can not speak with someone with authority to inform him/her how things were handled. I originally refinanced to lower my payments not to increase them because of their negligence. I would be more sympathetic if my loan was coming from another financial institution, but being refinanced from the same company, is something else. They had all of my records and knew what my escrow was.
Consumer complaint received 2020-08-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I took out a loan in XXXX which was sold to XXXX XXXX and apparently paid off in XXXX. This new servicing company called Select Portfolio Servicing , Inc. ( SPS ) is again attempting to collect on a paid off loan. I have sent them the attached information and they have failed to reply.
Consumer complaint received 2020-08-06
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. (MS)

I have collection that is reporting on my credit report that I have been trying to have removed from my credit report. I looked and according to Mississippi ( my state of residence ) statue of collection limtation time it is 3 years, and the last reported date on my credit report is XX/XX/XXXX. Every time I sent my dispute request to the credit bureaus the last time being on XX/XX/XXXX, it is coming back verified by XXXX how can that be if no one has reported on it since XX/XX/XXXX, way over 3 years time limit of collections for Misssissipi. I desire to have this removed from my credit report immediately for a violation.
Consumer complaint received 2020-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I initiated an online deposit of $ XXXX on XX/XX/20 from another bank 's checking account to the Bank Of America account where we do bill pay from via online banking. After receiving confirmation from the bank that the funds will be available for payment the following day on XX/XX/20, I initiated a bill pay of {$9500.00} for a XXXX credit card bill for XX/XX/20. The XXXX XXXX payment was not due on XX/XX/20 but I like to make my payments several days in advance to ensure that payments are credited by the due date. 

When I went online to the Bank of America account tonight to confirm all the transactions, the status of the deposit was changed to a HOLD until XX/XX/20. At the same time, Bank of America changed the status of the bill pay from scheduled for payment on XX/XX/20 to " in processing ''. I immediately called Bank of America to either delay the bill pay so that it will go out after the funds became available at a later date of XX/XX/20. I was told that because the bill pay was done via online banking and was in process, they couldn't do anything. 

Bank of America couldn't properly explain why they put a hold on the check, aside from some excuse about there were exceptions at times because of large amounts. When I asked to speak to the manager,  XXXX who came on the line as the manager appeared to do some checking, told me that he couldn't do anything with regard to Bill Pay as that was a separate department, immediately forwarded my call to the Bill pay department, whose agent told me that she couldn't do anything because the payment was in process. I told her I wanted to cancel the scheduled bill payment as it wasn't suppose to go out until XX/XX/20. She indicated that because it was in process on XX/XX/XXXX, there was nothing that she can do. I was advised to callXX/XX/XXXXand tell them to return the money that B of A was sending which would have triggered me paying a fee to do so. 

Bottom line, Bank of America left me with zero options but left themselves with the ability to trigger late and return fees. All under the excuse that because all the transactions were completed via Online Banking, they could not do anything to either stop or change the transactions. This was not the first time that they performed this insidious type of financial shenanigan in my account. However, this time, was the last straw. 

I am filing this complaint because I'm sure I am not the only person that this type of criminal action has been taken against. I have taken screen shots of the data as it transpired in the Bank of America 's Online banking APP.
Consumer complaint received 2022-12-29
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. (PA)

My name is XXXX XXXX XXXX and I am writing this statement on my own behalf. I recently discovered that I am a victim of identity theft. The items listed on my report were opened fraudulently to obtain goods/services and I am requesting that they all be removed immediately. The accounts are listed in this report and attached to my statement. 

Accounts to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

This is unacceptable I tried again to get morgage funding. Invoice I obtained a copy of the soft credit. First of all it came back that my score is what it is due to delinquent accounts an i have zero delinquent accounts all my accounts are current an on time. The length of time in my current delinquent accounts again I have none. I am being denied a home morgage because of these lies. This is outrageous an completely illegal. This is not true. Yet I am being judged an denied because of it. I cant believe this is
Consumer complaint received 2020-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is unacceptable I tried again to get morgage funding. Invoice I obtained a copy of the soft credit. First of all it came back that my score is what it is due to delinquent accounts an i have zero delinquent accounts all my accounts are current an on time. The length of time in my current delinquent accounts again I have none. I am being denied a home morgage because of these lies. This is outrageous an completely illegal. This is not true. Yet I am being judged an denied because of it. I cant believe this is
Consumer complaint received 2022-12-29
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)

My name is XXXX XXXX XXXX and I am writing this statement on my own behalf. I recently discovered that I am a victim of identity theft. The items listed on my report were opened fraudulently to obtain goods/services and I am requesting that they all be removed immediately. The accounts are listed in this report and attached to my statement. 

Accounts to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX missed late payments & I OWED {$20000.00} open XXXXXXXX XXXX XXXX i OWE {$1200.00} DATE OPEN XX/XX/XXXX, XXXX XXXX I OWE {$1700.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX I OWE {$970.00}, XXXX LATE PAYMENT. 

, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX CLOSED ACCOUNT I OWE {$460.00} DATE OPENED XX/XX/XXXX. 

They are not the Original Owners 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. 15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax, XXXX, XXXX, written permission to furnish these accounts.
Consumer complaint received 2024-06-07
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: EQUIFAX, INC. (FL)

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 XXXX 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 XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. Please see attached file for these items I am complaining.
Consumer complaint received 2023-07-13
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to delete these inaccurate items in my file. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (TX)

XX/XX/2017 I moved out of the apartment complex XXXX XXXX at XXXX XXXX XXXX  XXXX due to a HORRIBLE continuous roach infestation. I wrote to the leasing company multiple times and even have pictures to this day ( about the infestation ) and did not receive any response in the matter. Shortly before moving hurricane Harvey struck and I unfortunately lost my job. I had to relocate to XXXX and live with a relative. Months after I was told that I owed almost {$10000.00} in breaking the lease even though someone had already moved into the premises. IQ Data kept on harassing and calling me multiple times ; I consulted an attorney who then sent a settlement amount ( which I never agreed to ) of {$1000.00} and it was flatly denied. Last year I decided to call the company and see if this negative remark could be removed as I did not owe that amount and the representative I spoke with yelled at me and used profanities indicating that I was  paying over $ XXXX/ month ( which I wasn't ) in rent and I needed to pay the full balance of over {$11000.00}. Since then every month I notice an increase on the account once I check my credit report.
Consumer complaint received 2020-09-27
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. (IL)

There is a XXXX account listed on my report and the details of the account are being reported inconsistently amongst all 3 bureaus. The information such as dates etc is not the same from one bureau to the other, but if its the same account why is the information different. Someone has not done a good job of doing a proper investigation. I listed in detail in my letter to each bureau exactly what is incorrect and they each come back and say the accounts have been verified when clearly they have not.
Consumer complaint received 2020-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 

1. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date :XX/XX/2020 -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX XXXX Inquiry Date :XX/XX/2020-Unauthorized inquiry by Identity Theft
Consumer complaint received 2022-12-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (PA)

I contacted PNC bank twice on XX/XX/XXXX after receiving XXXX XXXX XXXX  monthly service charge. I requested the fee be refunded and my account type be changed. The fee was refunded, but the account type was not changed. I called PNC bank on XX/XX/XXXX as I had received another XXXX XXXX monthly service charge. The account type was not changed despite XXXX requests to do so. I requested to speak with a manager and was denied. I requested the XXXX XXXX  monthly service charge be refunded as I had previously requested the account type be changed and requested the account to be close. I was told the fee could not be refunded. Since the fee caused a pending transaction, I was told the account could not be closed. My still open PNC account is consistently low on cash since I have long since moved my cash to another institution. PNC refuses to change my account type, close my account, or refund me the fees caused by ignoring my service requests.
Consumer complaint received 2020-08-06
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: Experian Information Solutions Inc. (NY)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Those accounts are listed in the attachment below resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.