davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It has come to my attention that items flagged with an FTC report have not been removed from my credit file. Should there be a continued failure to remove the inaccurately reported items listed below, due to the erroneous reporting of personal information, I am prepared to transfer my documents to legal counsel to initiate legal proceedings. My preference is to avoid legal action ; hence, I urge compliance with applicable laws. I request the removal of the following inaccuracies, reported without my consent or knowledge, from my credit file 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Should you maintain that this information is accurate and verifiable, I request documentation that includes my signature for each disputed entry, as I believe no such documentation exists. In the absence of such evidence, I formally demand the immediate deletion of this information from my credit file maintained under my Social Security number. You are allocated XXXX business days to remove any information resulting from erroneous reporting. I explicitly object to the use of E-OSCAR or any automated verification process in reviewing my dispute. Enclosed with this communication is my FTC report, reference number : XXXX
Consumer complaint received 2021-10-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I issued a bank of America check number XXXX of XXXX XXXX XXXX XXXX XXXX  XXXX dollars XXXX cent ( {$1600.00} ) with date XX/XX/21 to XXXX XXXX for my XXXX mortgage payment knowing fully well that my salary enters the account unfailingly by XX/XX/21. 
To my greatest surprise Bank of America charged my account returned item fee of {$35.00} on XX/XX/21 for a check dated XX/XX/21. On XX/XX/21 deposit of {$2500.00} was made into my account and the {$1600.00} was payed to XXXX XXXX, i called Bank of America customer care twice and all efforts made to make them refund my {$35.00} were abortive hence this complain. 
To the best of my knowledge a check is not surpose to be honored before the date on it. XXXX XXXX should charge me late fee if the check if dishonored for lack of fund. kindly use your good office to fix it
Consumer complaint received 2020-03-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (CA)

A fraudulent account from Discover Card is reporting on my credit. I did not open this account nor did I live in the State of California in the year 2018. I live in the State of Louisiana. My address at the time this account was open was : XXXX XXXX XXXX XXXX XXXX, XXXX LA XXXX. Ive contacted both the creditor and credit bureaus providing ; FTC report and police report. Both creditor and bureaus are refusing to update and remove this fraudulent account from my credit report.
Consumer complaint received 2021-10-04
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: EQUIFAX, INC. (TX)

I have reviewed my report XX/XX/XXXX noticed there are several items on my report that are being illegally reported. There are inaccuracies and inconsistencies in the reporting status listed on the accounts shown. Based on FCRA 611 ( 5 ) ( ii ) I sent in a dispute showing the inaccurate information and requested it to be deleted. I received resulted from XXXX that showed to accounts " updated '' Once I looked at the updated copy of my report I noticed that nothing about the accounts in question were in fact updated. However, I notice a late payment that I asked to be reversed had changed months originally it was reporting late in XX/XX/XXXX it now shows XX/XX/XXXX I spoke with a XXXX at XXXX and she stated the XXXX XXXX verified there were No late payments XX/XX/XXXX based on the FCRA 611 ( a ) ( 1 ) ( a ) I sent in a reinvestigation letter and on XX/XX/XXXX I received results saying the account 'updated '' after reviewing the updated credit report there were no changes. 

This is a complete violation of the Fair Credit Reporting Action FCRA 611 ( a ) ( 1 ) ( a ) and FCRA 611 ( 5 ) ( ii ) and I would like this information removed from my credit report ASAP
Consumer complaint received 2021-03-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

This notice is being sent to the attention of attorney XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, with regards to communication that was sent to her via email on behalf of Plaintiff XXXX XXXXXX/XX/XXXXin an attempt to settle a debt. 

I ' m waiting on a response on a request made several weeks ago via email ( date XXXX XXXX, 2021 ), to attorney XXXX XXXX, asking that she have her client consider my proposal to satisfy mortgage arrears by accepting an Assignment of Benefits ( AOB ) on a life insurance policy from both myself and my spouse. We wish to use AOB in any way possible to enable us to keep our home and to prevent foreclosure, which would include using it as a collateral assignment. 

My spouse and I have attempted to contact attorney XXXX XXXX for at least the past 2 weeks via email, as well as via phone. However, we did not receive any formal update as of late, which seemed a bit unusual, especially since communication had been more frequent prior to this. 

XXXX XXXX option XXXX MLT XXXX, Asset-backed certificates, series XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX ; XXXX XXXX XXXX, MD XXXX XXXX
Consumer complaint received 2021-10-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SMITH, ROUCHON & ASSOCIATES, INC. (MS)

This has been an ongoing situation. I spoke with Ms. XXXX who informed me the column on the document she mail back to me DID NOT say PROCEDURES, instead it list codes. Ive attached said document. It indeed list XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These are procedures. This violates HIPAA. I filed a complaint with HIPAA on last week via this address XXXX XXXX XXXX 

I had the right to validate my debts with Smith, Rouchon , & Associates. Instead, they violated my privacy laws. Ms. XXXX told me to contact her with my lawyer and this would continue to damage my credit. I did not sign a HIPAA form allowing this company to remove this debt. THEY VIOLATED HIPAA!
Consumer complaint received 2020-06-10
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)

Here is the name of the company that says I had a credit card with them. 

Phone : XXXX FAX : XXXX Correspondence address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX I have disputed this credit report entry twice and have got nothing more than the credit agency telling me that the entry stays due to the company verifying the account was accurate. That is total horse XXXX, as I never opened this account or made any charges on it. When I requested proof that I opened this account I got no response.

The 3 credit reporting agencies are all guilty of violating the law and this company is too. I will proceed to a lawsuit if this is not taken care of by this last effort.
Consumer complaint received 2021-10-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (NY)

In XX/XX/XXXX I loaded {$75.00} onto a Transact Prepaid Mastercard issued by Netspend so that I can purchase my XXXX Ticket to go home and get my XXXX XXXX XXXX and to pick up my medication. After loading the money and calling the number too activate the card - I was told that I had to wait to speak with customer service- this would take 6 hours because they were not open. I miss my train, I miss my appointment for my XXXX XXXX XXXX and now i dont have my medication and Im stranded without money to get home. I spoke to customer service and for unknown reasons they said they couldnt activate my card and that they will send me a check which will take 7-10 business days - this has put me in major medical bind because - the series of vaccinations are scheduled on purpose so that it will be effective - netspend has negligently handled my situation and has failed to provide due diligence in ensuring I get my funds so that I can handle my medical needs.
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (UT)

Fair Credit Act says that positive / negative accounts should be removed after 7 yrs. if they've been paid off. I have several accounts that show as paid that are now past 7 yrs. I would like these accounts removed from my credit report. They're neither helping or hurting my credit, so pointless for them to be showing any longer. Please remove the below accounts : 1. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$3500.00} 2. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$6400.00} 3. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$530.00} 4. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$2200.00} 5. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$1700.00} 6. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$4500.00} 7. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$8400.00} 8. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$16000.00} 9. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$500.00} 10. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$1700.00} 11. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$3400.00} 12. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$3600.00} 13. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$2700.00} 14. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$3300.00} An old inquiry that should've been removed with XXXX done on XX/XX/XXXX. 

There is simply no logical reason for these items to be left on my report creating pages and pages of nonsense to have to sift through. I like my reports up to date. Please remove all 14 of those paid off student loans and the outdated inquiry. Thank you
Consumer complaint received 2021-10-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

This loan was distributed in XXXX in the amount of $ XXXXthis a ten year loan with a .125 over prime variable rate, I started to pay this loan in XXXX while I was still in school. In XXXX Salie mae lowered the interest to 4 % because the payment was too high. As of today I have paid a total of {$33000.00} and Salie Mae currently have a principal balance of {$14000.00} which does not calculate. I should only had paid close to {$7000.00} in interest and {$20.00} XXXX in principal for a total of {$27000.00}. I want a refund of {$6000.00} from Salie Mae and the correction of the principal balance to XXXX
Consumer complaint received 2021-10-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

IN 2020, Covid-19 happened. Forebearance programs were offered by the mortgage companies, including Mr. Cooper, in the name of the lender, to help homeowners. 
At the end of the forbearance program there were certain ways to pay back the amount owed. 
1/loan modification which deferrs payment - 2/ lump sum payment of all of the monies owed - 3/ payment plan. 
I have an excellent mortgage, and a modification could not be found. 
I was then offered that I pay, a lump sum ( {$35000.00} ) or lose my home. I was to pay off {$7200.00} of the XXXX - having to borrow money. I asked for a payment plan of 12 months. 
I was offered a 6 month payment plan ( because the only alternative is to lose my home ) so instead of {$2300.00} per month- i now have to pay {$6200.00} per month. 
on what planet is this logical!!??!! i asked for forbearance help because I NEEDED FINANCIAL HELP. 
WHERE DO THEY THINK I CAN COME UP WITH AN EXTRA {$4000.00} EVERY MONTH??? 
I am only asking that the plan be extended to 12 months, so instead of {$4000.00} I have to come up with an extra {$2000.00}, ( which i can handle ) I want to stay in my home! 
Please see the logic, simple logic in this. I do not mind paying interest on the amount I owe ; I plan to keep my house and do want to pay off this debt. I am only asking that the terms be extended to 12 months instead of 6 months.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2021-03-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (NJ)

There was a debt of {$250.00} for a medical bill for my daughter reported by Eastern Account System. I do not have XXXX  or XXXX XXXX of my daughter, her mother, my ex-wife, has XXXX XXXX of our daughter. I was unaware of a medical bill, or even that she visited the XXXX. I only found out about this debt from an alert on my XXXX account, once I saw the debt I paid it the same day I received the alert since it was such little money. I never once received a notification, all the bills went to my ex-wife place of residence and she never once informed me of this bill. Since she has XXXX XXXXXXXX, she uses her phone number and her address for the doctors records, hence why I never received or was aware of this bill. I called the doctors office, XXXX XXXX, to see if they can take this collection report of my credit report and they referred me to the collection agency Eastern Account System, I told them the situation and they were unable to help me.
Consumer complaint received 2021-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I took out a non interest paying promotional credit card loan in XXXX. Records show that I paid in full. After completing payment of the loan, I spoke to a Bank of America representative and stated that I did not want to renew my credit card due to the fact that they charged a fee. I received notice in XXXX of XXXX that I have a non payment charge against my credit from Bank of America. I called them in XX/XX/XXXX and stated that my credit card had been cancelled more than a year and a half ago. 
I never knew that Bank of America had reinstated my credit card. I had no idea until my credit card rating dropped XXXX. Bank of America is still billing me and adding non payment charges to my account. This is seriously egregious. They are a large banking institution and I am a peon.
Consumer complaint received 2022-10-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/2021, Bank of America sent me an email stating my account balance was low. I knew this was impossible, as I had more than {$7900.00} in my account. I called immediately to find a solution to the problem, and they treated me like a criminal stating I had a fraudulent deposit made. 

The deposit was one my friend had sent to my account from the U.S., so I could take out some cash for him while traveling to surf in XXXX. He immediately called the bank and explained that he had sent the money, so they would realize it wasn't fraudulent. Bank of America should have record of him calling numerous times as well as him going into the brick-and-mortar location. Once, they told him I'd have the check in my mailbox in 30 days, but it never arrived. 

I also contacted Bank of America numerous times and continue to call daily. They continue to tell me I will receive a check in the mail, but they can't tell me when or if it will be within 1 year or 10 years. 

I have never done anything fraudulent in my life. I have XXXX debt, have never overdrafted my bank account and have never even paid a credit card late. Yet, Bank of America refuses to send the balance for the account they closed. I've been dealing with this for a year and 3 months and have wasted countless hours. I've lost far more than the {$7900.00} in my bank account. 

I would be beside myself with joy if I could just settle this issue and have my money back, so I can move on with my life and my new bank account. 

Thank you!
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I dont have any information other then what was listed on my credit. XX/XX/XXXX I received notification of an account with them that has gone to collections despite not have a open mor delinquent account. I called spoke to a supervisor she said she didnt see any account for me despite this being the third time hearing from me calling to report inaccurate reporting, i said well its here and she asked for me to send copies to email XXXX. The credit report showed an collection origination date of XX/XX/XXXX for balance of {$460.00}. I did showing collection activity and account information plus amount. I called to confirm receipt and was told she did and will forward to main office to investigate and correct because there is no account under my ssn. As of XX/XX/XXXX its still there and the store hung up on me stating maam there is no account nor was one sent to collections because theres nothing to send.
Consumer complaint received 2020-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (TX)

On XX/XX/2020 we noticed unauthorized charges on our business account in totaling {$22000.00}. We immediately called our banker XXXX XXXX to advise him what happened. Upon further research it was brought to our attention 3 individuals names had been added to our " Direct Deposit Recipients ''. The names are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. We have no idea who these individuals are and how they were able to add themselves to our account to be paid. The individuals paid themselves different amounts. XXXX XXXX XXXX {$3500.00}, XXXX XXXX XXXX {$15000.00} and XXXX XXXX {$3500.00}. We have gone back and forth with BB & T ( XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX P ( XXXX ) XXXX ) with absolutely no resolution. The minute we contacted them which about the situation, which was the same day, they should have froze the funds and this was not done. We have only received {$3000.00} out of the {$22000.00} that was fraudulently taken from our account. This is absolutely unacceptable. We have been told that there is nothing they are able to do. How is it that my company is out {$19000.00} and nothing was done. 
Our company name is XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-10-05
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MD)

I submitted a dispute to Experian, XXXX and XXXX regarding a Public Record ( Bankruptcy / Ref XXXX ) that is being reported on my credit files. They have all responded that the information was verified and accurate, however I have contacted the court and their response is enclosed. It is clear they do not report or verify information to any credit bureau. Therefore the information that is being reported is false, and has not been verified, the reporting requirements do not comply with the FCRA 611 ( 15 U.S.C. 1681I ) and the information must be DELETED immediately.
Consumer complaint received 2021-03-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (NY)

In 2017 Coinbase removed access from my account and since then have been unwilling to have a conversation with me as to why this was done, or work with me on any attempts to rectify this situation. I am not sure the exact reason why they decided to close my account, just that they are claiming they were acting in relation to potential FINCen regulations, but I have worked with the New York Attorney Generals office to help put away a criminal in relation to Bitcoin transactions and received immunity for any past transactions, so there is no reason the government would come after me or Coinbase for having me as a customer. I have told them this, and was willing to show them any documentation they needed, but they have claimed this decision was permanent. I live in NY where Coinbase essentially holds a monopoly over trading apps, and I have been unable to trade certain assets because they have denied me use of their tools, and have started buying up platforms that I would have been able to use before they started buying up other companies like XXXX and XXXX. 

Im not sure where else to go to solve this issue, or if there are any powers the CFPB has to rectify this situation, but if they wont tell me why they have closed my account, I dont even know what rules I violated, and again, I had direct relations with the government, so I dont know why they wont allow me to trade just to buy and sell my digital currency investments. To me, this is akin to an internet service provider cutting off my ability to use the internet.