davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (IN)

I had money tooken out of my XXXX XXXX  money account on XXXX XXXX a total of XXXX transactions XXXX XXXX XXXX XXXX XXXX cash app suppose to had refunded my money to my account but XXXX XXXX is stating it never was sent then XXXX XXXX it stating that the money never came from XXXX account on their end but paperwork clearly shows the money being tooken out also they refused to help me by showing me anything after these transactions were removed I also have enclosed proof and highlighted the information I am referring too as well also cash app was the last company to have procession of my money but wont give me any information as to where the money is
Consumer complaint received 2021-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/XXXX I wrote a paper check for {$10000.00} on my home equity credit line account with XXXX XXXX XXXX XXXX Bank, and deposited it into my Bank of America checking account at a local BofA ATM. I was informed at the time of deposit that an automatic hold would be placed on my check for 7 business days, but that I could cancel the deposit transaction. Having no other way to get those funds from my credit line with XXXX XXXX into my checking account at BofA, I completed the deposit, thinking that what they meant was that the hold would be for " up to '' 7 business days. I confirmed with XXXX XXXX today ( XX/XX/XXXX ) that it received and cleared the check on XX/XX/XXXX, yet BofA still has the deposit on hold and says it won't release it for another 6 days!!! I spoke twice with BofA customer service reps -- on XX/XX/XXXX, after making the deposit, and again today, after learning that the payor bank had transferred the funds to BofA two days ago. Each rep told me the same thing, obviously reading from a script, that the check was in the process of being " verified. '' But obviously it was already " verified '' two days ago when my payor bank cleared the check and debited my account there for the {$10000.00}. 

I am a long-time BofA account holder, and in fact I wrote a check in this same amount on the same XXXX XXXX credit line almost one year ago, and that deposit was not placed on a 10-day hold ( I understand that it is normal for the funds to require 1 or 2 business days before becoming available ). Nor have other checks in the same or larger amounts from other of my accounts at other institutions been subject to an automatic 10-day hold by BofA. The first BofA customer rep I spoke with ( on XX/XX/XXXX ) told me this is a new BofA policy as of XX/XX/XXXX ( which makes sense because a much larger check deposit I made there on XX/XX/XXXX went through without such an extended automatic hold. Yet the paper receipt from the BofA ATM that I received states that the " reason '' for the hold is that " check specific information indicates item may be returned. '' Yet so far from being returned, the check was honored by XXXX XXXX on the very next business day!!!!!! Yet still BofA won't release the funds to my account. 

I can only think that BofA is implementing this new policy in order to discourage its customers from using paper checks, probably because there is some overhead expense associated with processing paper checks and BofA is trying to cuts its costs. Regardless of whether I'm right or not, this automatic 10-day paper check hold policy, especially for a long-time account holder with a history of making good paper check deposits in large amounts, including from the same financial institution the present check is drawn on, is clearly and unequivocally an unfair and deceptive practice on Bof A 's part, and the CFPB should order it to cease and desist immediately from such behavior.
Consumer complaint received 2021-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (WA)

I have been contacted -- called directly, my sister has been called, and I have been getting physical mail -- by XXXX XXXX XXXX. 

Address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CO, XXXX They state that I owe {$8400.00} from PayPal debt. I have contact PayPal directly and have confirmed that I owe no such debt, and they have advised me not to give any information to this collections company as it is likely a scam. I couldn't get the company I " owed '' the debt to over the phone from XXXX XXXX unless I gave them my information, but that is what is listed on the letters I am being sent. 

The main person calling is XXXX XXXX at XXXX XXXX XXXX ( XXXX but the number has been changing since I continue to block their calls, previous numbers are : ( XXXX ) XXXX, ( XXXX ) XXXX ) and she refuses to release any information to me about this debt unless I give her my Full name, date of birth, and last four of social security number. When I refuse I am sent to a " manager '' who yells that they already have all my information and need to verify that it is me, asking me to comply and give them the information they need. At one point they said in order to verify they needed to call me back to " set up a secure line. '' At this point I hung up and have been blocking their calls but they are rather relentless, and it is now harassment. They have called my sister asking for this information as well -- I am unsure how they got this information. 

The first call was on XX/XX/2021 and have been consistent since then to present. 

Recently I have now been getting letters from XXXX XXXX XXXX XXXX XXXX regarding this debt as well.
Consumer complaint received 2023-01-16
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: ALLY FINANCIAL INC. (TX)

On XX/XX/2022, my card with Ollo was charged {$660.00} from XXXX. I called into Ollo on XX/XX/XXXX, and told them that I did not authorize the transaction. They did a temporary adjustment, cancelled my card and sent me a replacement. 

On XX/XX/2022, they recharged my card for the {$660.00}. I called back into Ollo customer service and they said that they declined the dispute because I kept using the card after that specific transaction which I did not. 

They had sent me a NEW card that I was using since I called in about that charge, but I did not use that card with the disputed transaction since it was lost. My credit limit for the card is {$1000.00}. When they allowed that charge, the balance was {$960.00}. After the charge, the balance was {$1600.00}. I have been paying XXXX XXXX XXXX XXXX  every month and have not been able to use it since they recharged the account with that charge in XXXX. 

They are calling me everyday because the payments I have been sending since XX/XX/2022 are not enough for the {$1600.00} balance. But I did not authorize that charge nor did I have a rental with XXXX. They have been charging me $ $ $ late fees every month and are now reporting to the credit bureau that I am late on payments. 

XX/XX/XXXX {$27.00} late fee XX/XX/XXXX {$40.00} late fee XX/XX/XXXX {$40.00} late fee XX/XX/XXXX {$40.00} late fee XX/XX/XXXX {$40.00} late fee XX/XX/XXXX {$40.00} late fee XXXX XXXX charge of {$660.00} needs to be reversed because I did not authorize the transation. & I'd like the late fees and interest to be refunded to the card and the mark on my credit report removed.
Consumer complaint received 2024-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (OH)

I had a check XXXX XXXX issued from the response in relation to my original complaint on XX/XX/year> I was told to give it XXXX business days but i still have not received, I contacted the XXXX contact number listed in the response which representatives had trouble locating this check because of my profile no longer being active because of the closed account. This has already been a long stressful process. I am seeing if there is someway this payment can be released via branch manager at my nearest location like the other portion of the funds or if the shipping can be expedited
Consumer complaint received 2023-01-16
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. (NJ)

i have challenged the XXXX XXXX accurate reporting of this XXXX XXXX charged off account being reported by the credit bureaus as required by law XXXX  times now... i have pointed out that this account is being reported as a re aged account and only XXXX  has deleted the account... ..XXXX  and experian are still reporting inaccurate information on my credit report and doing so they are violating my consumer rights... i have attached proof of the inaccuracies but let me write them out for you if you take a look at the date of last payment the bureaus are reporting XX/XX/XXXX but if you look at the XXXX  year payment history they are reporting it as XX/XX/XXXX ... .this is inaccurate reporting and a violation of my consumer rights if you take a look at the account number experian is reporting XXXX and XXXX  is reporting XXXX XXXX both cant be accurate and therefore they are violating my consumer rights
Consumer complaint received 2021-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TX)

Rushmore Loan Management Services serviced our mortgage. The account holder is my deceased husband. On XX/XX/XXXX, I, the surviving spouse, sold the property which carried a mortgage serviced by Rushmore Loan Management Services. When I sold the property, there was a remaining Escrow Balance held by Rushmore totaling {$480.00} that is owed to me after the debt was resolved from the sale of the home. On XX/XX/XXXX, I had confirmed with an agent that my name was added to the account and a check would be mailed to me, under my name. However, we received the check issued to my late husband, which we can not deposit. Therefore, we re-engaged with Rushmore, speaking with another agent. At that time, they requested we send the check back to Rushmore, as well as writing a letter and signing it, stating I am the executor for the account. We provided that on XX/XX/XXXX. We didn't hear anything until XX/XX/XXXX, where it was stated the letter we provided was not sufficient. We again contacted Rushmore and spoke with a Customer Service Supervisor ( XXXX XXXX on XX/XX/XXXX. He confirmed additional documentation was needed, but was unable to provide what that documentation needed to be. After our call, I proceeded to provide a copy of an attorney prepared, signed, and notarized Affidavit of Heirship and Corroborating Affidavit used to sell the home in the state of Texas. A week has passed and nothing has been resolved with Rushmore Loan Management Services. We still have not received confirmation on what documentation is required, or if the documentation provided was sufficient to collect on the remaining Escrow Balance after speaking with two different Customer Service Supervisors on XX/XX/XXXX.
Consumer complaint received 2021-03-11
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. (NC)

I sent a letter to Equifax and XXXX  on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 70 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 70 days these items should be deleted immediately. I demand these inquiries be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Consumer complaint received 2021-01-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: California Business Bureau, Inc. (CA)

California Business Bureau filed a collection record on my credit report. I called and provided my social number but they could not find my account have any outstanding balance. I receive a phone call next day from California Business Bureau stated that I have a hospital bill due back in XXXX which was paid back in XX/XX/XXXX. They did not verify the payment and affecting my credit.
Consumer complaint received 2021-01-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lloyd & McDaniel, PLC (IN)

I have an account in collections on my credit report. Original credit was XXXX XXXX XXXX who turned it to collections thru XXXX XXXX. I never satisfied the debt and when I first called, possibly XXXX of 2020 ( not sure on exact date ) XXXX XXXX directed me to call Lloyd & McDaniels Law office and provided me their number. When I called in, the person on the phone told me my account was new and was locked, whatever that means. So I left my contact info hoping they would contact me. When I did not get a call, letter or email, I called back and was told the same thing. The lady on the phone understood my frustration but would not share a single detail of my account, answer any questions about why it was still locked and said I cant even pay on it. Yet again, still no contact from this law office that is supposedly in control of a debt on my credit report which is severely hurting my ability to get a simple loan or credit card. It is the only account in collections I have and they will not give me any options to move forward. I even submitted a settlement offer on their website hoping it would get things going but still ZERO contact from them. It is wrong for them to be able to negatively affect my credit report without ever sending me documentation as requested, not providing me any information, and failing to communicate with me. I was willing to pay but now I just want this removed from my credit report since they cant verify it or even unlock my file so I could pay on it.
Consumer complaint received 2023-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Fifth third called me without leaving a message. When I called back to verify my account the rep told me I had to make a payment before they could waive any fees for late etc. I called just a few days ago and spoke to a rep who waived the XXXX dollar fee and the previous rep I spoke with regarding my credit card told me that if I made the XXXX payment on XX/XX/XXXX no further late fees would be assessed to the account now they are telling me some different BS saying I need to make a payment before then. They should review the last three phone calls and coach their representatives accordingly because it seems like misrepresentation of marketing or fees which to me appears to be bank fraud to coerce me into making payments that I was told I could wait on.
Consumer complaint received 2020-04-04
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: AMERIS BANCORP (SC)

During my attempt to purchase a new home and relocate for my job I applied for a mortgage with Ameris Bank. The process seemed simple enough as I was selling my current home at the time and purchasing a new home. This would be the 3rd home that I have purchased so I knew what to expect. I was pre-approved with no problems and started the process immediately, providing all necessary information to the mortgage broker and agreeing to the loan terms and conditions. Then I was taken through the under writing process. At which time I was asked for information regarding my current home. I provided the underwriter a copy of the sales contract for which I had already accepted a full price offer on my current home to be sold 30 days after I closed on my new home. 1 week prior to closing on my new home I was contacted by the mortgage broker who stated that I did not qualify for an FHA loan because I had an existing mortgage. The mortgage officer stated that in the contract " we '' had talked about he was stating that my current home was being rented so that I could qualify for an FHA loan. I explained to the under writer that this had never been the case and that my home had always been for sale to purchase, never for rent. This has now caused me to have to restart the process on a conventional loan because the mortgage officer falsified documentation. If I had falsified any documentation during the loan process I'm sure that I would have been held financially or even criminally liable. The same should happen in this case. I am not having to work with my company to obtain temporary living until this issue can be resolved.
Consumer complaint received 2023-01-17
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. (NE)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or correct these immediately : XXXX XXXX Bankruptcy 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 Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BARCLAYS BANK DELAWARE (CA)

I reached out to Barclays Bank Delaware via certified mail asking for XXXX XXXX XXXX and ordering them to cease & desist contact in regards to the alleged debt. The letters were marked as received on XX/XX/2022 yet they continue to harass me 1-3 times a day despite the C & D which still stands until further notice ( 15 USC 1692c ( C ) ). They responded to my Debt Validation letter but failed to provide all the requested documentation listed therein. In the midst of our correspondence Barclays Bank Delaware falsely reported late payment on my consumer report ( 15 USC 1666b and 15 USC 1692d ( 1 ) ) which has caused me tremendous hurt financially, mentally, and emotionally. 

I reside in California and have also became aware this business is not licensed -- per the NMLS -- to collect debts in the State of California as required. 

I recently sent them a response with proof of all the federal violations they have violated along with an invoice for payment. I am waiting to hear back from them.
Consumer complaint received 2023-05-17
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: SUN LOAN COMPANY INC. (TX)

Ive attempted to have this account disputed from all three major credit bureau 's. Ive never attempted to obtain any financing from Sun loan, nor have I ever applied for or received any type of loan through this company.
Consumer complaint received 2023-05-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (MD)

I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. 
I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. 
According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. 
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 
Thank you for your prompt attention to this matter. 
Sincerely,
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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 2023-01-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Berlin-Wheeler, Inc. (Kansas) (IA)

I AM A FEDERALLY PROTECTED CONSUMER AND I AM PROTECTED UNDER THE FDCPA, XXXX LEECH XXXX XXXX. XXXX XXXX ACCT XXXX XXXX what gives you the right to collect on this alleged debt? FEDERAL LAW states I have to give you direct consent which I never did. The first communication with you was with you furnishing this alleged damaging information on my consumer report this is FDCPA VIOLATION. WHERE IS THE PROOF OF BILL ASSIGNMENT? WHERE IS THE CHAIN OF TITLE? ARE YOU LICENSED AND BONDED TO COLLECT IN MY STATE? THE FEDERAL TRADE COMMISION ( FTC ) STATES I HAVE RIGHTS AND TAKES DEBT PARKING SERIOUS. YOU HAVE NO AUTHORITY TO FURNISH ON MY CONSUMER REPORT. YOU ARE VIOLATING MY PRIVACY UNDER THE XXXX XXXX XXXX YOU DO NOT HAVE ANY RIGHT TO MY NONPUBLIC PERSONAL INFORMATION. DELETE THIS ALLEDGED DEBT IMMEDIATELY FROM MY CONSUMER REPORT.