davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card. Business ceased due to XXXX in XX/XX/XXXX. Contacted B of A Spring of XXXX as had to return to XXXX as wife has XXXX. Asked how could I deal with the matter. Told me to try to make payments. I offered a payment plan from XXXX pension. They declined. I have transcript told me to contact debt management. All this did was postpone the closing off of the card and added thousands in interest on an unpaid balance around {$50000.00}. Never heard any more until XX/XX/XXXX they garnished a personal account without warning. In XX/XX/XXXX did the same. This account supports my daughter who is a XXXX  mum with XXXX young children. Contacted multiple B of A departments. Eventually recovery told me I had refused a repayment plan in the spring ( totally untrue ) that my debt was now over {$62000.00} and I was personally liable. I agreed to pay just over {$600.00} a month on 2 conditions. 1/ That they took a payment 1st day of month. They took one that day which was XXXX. 2/ More importantly they provide my signed personal guarantee for a company debt and if unable to do so stop garnishing my personal accounts and provide a refund. I wrote on XXXX XXXX  to XXXX XXXX XXXX XXXX XXXX Texas and included Credit Card Center, Debt Management, Debt Recovery, Credit Analyst Department and Business Manager. I have not received any communication whatsoever from the Bank of America to my complaint. I provided my XXXX address. They have my email, USA address and phone. I was told in XXXX that they do not keep records beyond 7 years so it is doubtful they will find a personal guarantee still filed but will put in a request. Really? If no personal guarantee exists then is this not fraud
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2024-03-12
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: EQUIFAX, INC. (FL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NM)

Dear Sir/Madam : 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.
Consumer complaint received 2017-12-29
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Northeast Recovery Solutions, LLC (CA)

I made arrangments to settle a debt with a third party which is XXXX XXXX at XXXX XXXX XXXX, XXXX, NY XXXX. After I told them I would need them to validate the debt and sent documentation from the previous creditor they sent me an email with my name social and the name of the previous creditory. I told them I would need documentation fromt he previous creditor showing the amount that they are telling me I owe. XXXX XXXX who is with XXXX XXXX said they do not need to do that and they will be contacting my job even though I told them I am not allowed calls at work. He said they are not a debt collection company ( which is a lie ) and he is still going to call my employer. I have all of this recorded.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I went to a XXXX dealership they told me they would run my credit for XXXX but ran my credit 30 times i did not authorize them to do that XXXX XXXX Bank 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
Consumer complaint received 2021-03-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc. (CA)

T0 whom this maXXXX concern : The Following debt of {$650.00} by Southwest Recovery Services is not my debt. I have repeatedly contacted to inform of IDENTITY THEFT for this account. This Debt was not completed by me. My identity was wrongfully used for this account. I have contacted a lawyer regarding this debt trying to be falsely claimed. Under the FDCPA laws you are trying to collect a false debt from the actual person not responsible. My lawyers are ready to sue in in court for wrongful accusations and defamation of character. I will be seeking punitive damages for the continued negative collections on my credit which have in return caused hardships for my future.
Consumer complaint received 2017-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MN)

United Services Automobile Association ( USAA ) Federal Savings Bank debited my checking account twice for the same check number. I found the banks mistake quit by accident. when reviewing my monthly checking account statement i noticed the same check number processed twice for the same amount of money. The first time on XX/XX/XXXX for {$150.00} and second time on XX/XX/XXXX. I reported the banks error to them and they have since credited my account for their {$150.00} error. In conversation with the bank employees, they told me that this situation has been reported to them by other clients in the past. When asked if the bank every finds the mistakes, I was told NO, each time the client is the one who reports the error.
I asked how many times the mistake has been made in my account without me catching their mistake and I 'm out the money. They said there is not way of telling. They also told me that each month on my statement it says to review the statement and report any errors to the bank. That was the method the bank employee explained I should prevent this situation from occurring. I told them that a bank should have checks and balances that prevent this from ever happening. I do n't claim to know anything about the bank accounting best practices but I would think they have computer software that would prevent or alert them when this situation happens.
The USAA bank person gave me no assurance that it wo n't happen again.
After I reported their error, no bank person contacted me to say what caused the situation.
Consumer complaint received 2022-12-19
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. (RI)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX / XXXX / TransUnion has not responded/replied/answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX XXXX Account XXXX I believe it was reported in error. 
XXXX XXXXXXXX Balance : {$160000.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX BANK XXXX XXXXXXXX Balance : {$25000.00} XXXX XXXX XXXX Balance : {$4500.00}
Consumer complaint received 2019-06-26
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. (NV)

I had an charge off account with XXXX XXXX XXXX, I paid that account in full and as a courtesy they agreed to delete the tradeline from my credit report. XXXX, XXXX deleted the account from my credit report but Equifax still reporting the account even though XXXX XXXX XXXX  ask them to deleted from my credit report. Please remove this account from my credit report, here is the letter XXXX XXXX XXXX   gave me asking you guys to stop reporting that account.
Consumer complaint received 2022-05-26
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)

After reviewing my credit report, I am not happy to see the below items that are still showing in there even though I have informed you that they are in accurate and incorrect. Your investigation did not fix error in my credit file. I have informed you already that my report contains accounts that results of identity theft.
Consumer complaint received 2022-05-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Klarna AB (GA)

In XX/XX/2022, Klarna was used to purchase purses through XXXX. I did not receive 3 of the items that I was billed for and that Klarna continues to draw money out of my personal checking account 2-3 times per month. Money that I do not owe. XXXX has repeatedly told me that their company, has confirmed to me, has sent to Klarna the refund information for the amounts that I should not still be paying for. I have sent personal communication to XXXX and XXXX both and XXXX says it's Klarna that needs to handle this and they are not at fault as of now. Klarna will not acknowledge any more communication from me at this time and help with this matter to refund money owed to me and discontinue drawing my money that is not owed to them. I want resolve to this situation asap and I want my money returned to my bank account and no further money paid to then.
Consumer complaint received 2019-06-26
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: ENCORE CAPITAL GROUP INC. (CA)

I received a levy notice last year from my bank that Midland Funding had attempted to attach my bank account due to a levy. They followed up with a settlement letter. I contacted Midland Funding. They informed me that they had purchased the debt from XXXX XXXX for a credit card I had that was charged off in XXXX. I asked the representative how they could collect on a charged off account on a credit card that was over 4 years old. He informed me that they had filed a judgement that was good for 10 years. I informed him that I was never made aware of this until the levy notice. He told me that they had sent a letter to XXXX XXXX XXXX XXXX CA. XXXX. I told him this was my parents old house, and I had not lived there since XXXX. I asked him how I was to have been legally notified of such a severe financial matter if they had mailed a letter to a residence I had not lived at for over 20 years. He put me on hold. When he returned he stated the same information previously stated and asked if I wanted to pay the debt. I informed him that I did not feel this had been handled in a legal manner and that I was going to seek more information or legal counsel. That was the last conversation I had with Midland Funding last month.
Consumer complaint received 2019-11-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (CA)

In XX/XX/2017 my husband had an accident and was unable to work resulting loss of income and unable to pay bills. I sought a loan modification. The whole process took almost 8 months. I was advised not to make a mortgage payment while the bank was making a decision. I fell incredibly behind!!!!! 

I had the loan mod approved and have now made on time payments for 10 months now. I have called and asked as a good faith gesture if the bank would help me out and remove some of the negative payments on my credit report. I have called, emailed and emailed and called again. I was told to dispute with the CRAs which I have and had ZERO resolve. 
Id like Amerihome to look at my account and review as to if any can be removed.
Consumer complaint received 2015-07-20
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: BB&T CORPORATION (CA)

Hello, I have recently inquired about transferring my personal property into my business which would require me to obtain a business loan. I have been attempting to do this with XXXXI began working with XXXX XXXX XXXX XXXX # XXXX ) in XXXX of 2015. It has been a nightmare dealing with her and I have found her conduct to be extremely unprofessional. Initially she took all of my information, and I was extremely transparent about my goals and quick to respond with financial information as needed. Eventually communication began to wane and weeks were going by without an update. She would haphazardly ask for different forms at the last minute, and would not bother to call or make sure these " last minute '' request were received. At one point after asking her for an update, calling both her work and cell phones AND sending an email, she emailed me back saying the loan was cancelled-she did n't realize that everything had to be completed within 21 days of initiating the request, AND she tried to say it was my fault because she asked for a form on Friday and it was n't there on Monday XXXX the same day it was cancelled apparently XXXX. 

I still proceeded to try to re-apply and continue the process with XXXX XXXX and BB & T. I had to consistently XXXX her down for updates. There were 2 WEEKS where I have heard NOTHING. I eventually caught up with her on her cell. She proceeded to tell me that she " thinks '' the hold-up is some additional paperwork that she " personally '' has some concerns about, AND when I asked if it were possible to just check in regularly even if there is no new information ( which I 've never heard of ), she basically refused. 

Eventually I complained to BB & T about the process, and after talking with her apparently, they said my application was in underwriting and they were n't sure when I would hear back. That is totally bogus and I know this because I have 3 other loans and I know how the process works. Coincidently, I received an email from XXXX XXXX a week later saying they could n't help me with my loan. No REAL or clear reasons, AND this was more than 2 weeks after my last interaction with her. I found this experience to be totally unfair, unprofessional, and unacceptable.
Consumer complaint received 2023-03-10
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. (LA)

I saw a collection from XXXX XXXX XXXX drop onto my credit in XXXX, XXXX for a XXXX XXXX Debt that was from XXXX. It says card opened XXXX. The information is incorrect, I disputed with Transunion through XXXX XXXX and it closed today saying the information IS correct. It is not. I have the first default e-mail from XXXX saying it was 2 months past due and should be falling off my report this year, 7 yeas later.
Consumer complaint received 2019-06-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HOMETRUST MORTGAGE COMPANY (CA)

Was applying for a mortgage refinance through Hometrust Mortgage, representative XXXX XXXX XXXX, and submitted ALL the requested documentation. On XX/XX/19, he took it upon his self to run my credit report without my authorization, or siganture even though I had forwarded him a copy of a credit report that was pulled on XX/XX/19 by another mortgage lender that I had been in previous contact with. Upon attempting to have the unauthorized credit pulls preformed by the bureaus on XX/XX/19, it was discovered that I had credit freezes from previous identity theft on my credit reports, and that I would have to have the freezes removed! 

At that point, he started acting discriminatory with his customer service conduct blowing off my phone calls, and email communications when I clearly was attempting to contact him to confer with why he had not communicated that he was going to request a credit pull, so I could inform the bureaus to remove the freezes. This went on for about 5 days until I sent a text message to his friend XXXX from XXXX XXXX who referred me to him. After seeing the text he contacted me at XXXX XXXX basically saying XXXX me, and my loan file, in addition to racially disparaging me which I have documented text communication of.
Consumer complaint received 2022-12-19
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. (IN)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2017-07-11
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 ran my credit report and  XXXX  was in it for a bad debt.  <P/>  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , SD  XXXX  The balance they said I owe is {$150.00}.  <P/> I do not have an acct with them. I suspect fraud.   They do n't have a phone number.  <P/> Please help me resolve this and get if off my credit report.
Consumer complaint received 2022-05-05
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. (FL)

In accordance with the XXXX Credit report XXXX XXXX XXXX XXXX Account XXXX XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. It also States consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit report XXXX XXXX XXXX Account XXXX XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. It also States consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit report XXXX XXXX  Account XXXX XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. It also States consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit report XXXX XXXX XXXX XXXX XXXX Account Number XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. It also States consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

On XXXX XXXX, XXXX I deposited a cashiers check drawn on XXXX XXXX  XXXX XXXX XXXX for {$2500.00} via an ATM. Chase placed a hold on all the check 's funds until XXXX XXXX, XXXX. This had never been done to my account before, and it was surprising since my account is not new. I contacted customer service via email about this, but they could not help. As a result of this hold, the bank charged me a total of {$400.00} in overdraft fees. Some fees were refunded in an arbitrary manner, but as a result of this arbitrary hold, I had to pay {$270.00} over the following days until XXXX XXXX, XXXX.
Consumer complaint received 2017-12-29
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

Account Number-XXXX This account is on my credit for {$3500.00} for XXXX XXXX, which I do not owe.