davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (CO)

My principal payment only wasn't applied or reversed until XX/XX/2021, the payment was taken out of my account XX/XX/2021. I get charged a daily interest on the daily principal balance of the loan. XXXX  is now reporting a incorrect balance on the loan than what Bridgcrest is showing on my statement. A difference of over {$400.00} more than what is actually owed on the loan as of today. I have included a snap shot of both.
Consumer complaint received 2019-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I recently opened a few accounts at HSBC attracted by a few promotional offers. 

In chatting with the nearest branch VP I accidentally discovered/was alerted to fraud. I was told that some money was being diverted from my account. I was given different numbers at the branch, and the VP refused to put it in writing, but the total missing is over {$550.00} from my understanding. 
From my understanding of the sketchy information I got from the branch, and by calling their Fraud unit from the branch, someone had taken ( stolen ) at least {$500.00} and {$20.00} out of my account. That was around XX/XX/2019. I was told that the bank would have investigated the matter and sent me details of their findings. Instead about a week later HSBC Fraud sends me a note saying the withdrawals I questioned were " authorized '' and the " case is closed. '' So far I have NOT received any written accounting or investigation results from HSBC. I am pressuring HSBC to send me details but none have yet come in writing at least.
Consumer complaint received 2019-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (SD)

In the past week I have received frequent repeated calls from XXXX XXXX XXXX ( they say ) ( XXXX XXXX on caller ID is only one of the phone numbers they have used ). They have been trying time after time to confirm my personal information that they have, including name, address, and social security number. I have not cooperated, and asked them to stop calling and told them that the information they do have has apparently been fraudulently compiled. The address that they have for me is wrong - they have me on XXXX XXXX in XXXX XXXX, Texas. That is not me. I would like someone to send law enforcement to that location and pursue the real perpetrator. Thank you.
Consumer complaint received 2022-10-06
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXXXXXX 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 : {$150.00} ; 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  Inquired on XX/XX/2021 ; XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX Inquired XXXX XX/XX/2021 ; XXXX Inquired on XX/XX/2021 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2019-07-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (NY)

I receive in the range of 3-5 calls daily, no matter how many times I tell them that at this time I can not arrange payment. The calls are made by robo-caller, when answering the calls, an operator asks to confirm my name and transfers the call to a representative to discuss my debt. They use a few different phone numbers, predominantly from ( XXXX ) XXXX - XXXX
Consumer complaint received 2019-04-03
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC (OH)

I applied for a payday loan back in XX/XX/2018 in the amount of {$500.00}. The last email I was sent was an invite for me to use direct deposit. I was never sent an confirmation that the loan was approved but the very next morning I checked my account and the funds were there. I tried to contact the company and send the funds back but was told I couldn't do so. After reviewing the documentation I saw that I would end up paying 5 times the amount owed. Once the debt was sold to the third party National Credit Adjusters I did receive a letter in the mail and also a phone call from a very kind woman advising me of the payment options as well as offering a payoff. I told her at the time I couldn't afford another bill but I would call them when I am ready to make a payment. That conversation happened in XXXX and for the past 3 months I have received repeated call from different numbers all dealing with this same company. They call at all hours of the day and if I don't answer the number the will call from a different one the very next minute.
Consumer complaint received 2022-10-06
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: EQUIFAX, INC. (CA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$670.00}
Consumer complaint received 2021-06-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (NY)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2021 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2018-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

trying to see my credit report not letting me see it XXXX, XXXX violations they have the police report XXXX item lost stolen have insurance so I went with a new carrier so they don't want to refund the lost or stolen item that the warranty covers b/c I went to a new carrier Experian has 5 inquires and XXXX  that are not mine encloses
Consumer complaint received 2019-02-14
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. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX, XXXX   XXXX  XXXX, XXXX XXXX, XXXX.
Consumer complaint received 2018-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have disputed the late payments on XXXX XXXX XXXX, XXXX XXXX XXXX, for months. Equifax and XXXX refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2023-01-13
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: Experian Information Solutions Inc. (MN)

I disputed XXXX fraudulent accounts on my credit report. XXXX XXXX # XXXX and XXXX XXXX XXXX XXXXXXXX. While I provided a police report and FTC report Experian has refused to remove these fraudulent accounts on my credit report. They claimed the account was verified and I replied back to Experian requesting proof of the validation to which they ignored. By my FCRA rights, I have the right to request evidence items verified on my credit report. And Experian furthermore has failed to respond to me within 31 days. I will be seeking legal actions against Experian for Defamation, Negligent of Enablement of Identity Fraud, and Violations of the Fair Credit Reporting Act.
Consumer complaint received 2021-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (PA)

On XX/XX/XXXX XXXXXXXX XXXX  18 minute call XX/XX/XXXX XXXX XXXX  28 minute call XX/XX/XXXX XXXX XXXX  26 minute call XX/XX/XXXX XXXX XXXX  26 minute call XX/XX/XXXX submitted my bank statement from another institution to verify Im the account holder. 

I established this account on XX/XX/XXXX or XX/XX/2021. Since then I have been unable to deposit money. All of my accounts are showing not eligible for transfer. When I called customer service they basically say itll be 7 to 10 days until customer service technical support has a chance to look at it and if they dont understand the process or the problem then it is sent to the engineering team which intern takes more additional time. 

They have advised that I am able to transfer money in using A different banking institution, but if I do that I will have no way to withdraw the money from then until the issue is fixed. 

There is only two levels of support, and when you reach the top level they claim that they do not have a way to contact or reach out to a different individual in order to get this fixed.
Consumer complaint received 2022-12-02
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate these accounts ( A ), ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my 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 creditor. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Open Date XXXX XXXX, XXXX Balance : {$0.00}
Consumer complaint received 2024-03-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am deeply concerned by your persistent refusal to remove fraudulent accounts from my credit report, especially in light of clear evidence of fraud and confirmation from other bureaus who have successfully removed similar accounts. 
Your failure to comply with the law is unacceptable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (TX)

To : A Man or A Woman who are employed by XXXX XXXX and are working in the department titled : XXXX XXXX XXXX XXXX XXXX XXXX to 15 USC 1681i ( 5 ) ( A ) ; XXXX and XXXX XXXX XXXX XXXX Team, are in direct violation of as it is IMPOSSIBLE for XXXX to verify accuracy for an account that they NO LONGER OWN or manage and have sold or transferred or ASSIGNED to another company. 
Assignment : transferring some or all property rights and obligations to another person through a written agreement. 
I DEMAND TO SEE THE WRITTEN AGREEMENT OF SUCH ASSIGNMENT. 
ALSO NOTE DO NOT send mail from a Corporation again without identifying a man or a woman SENDOR AND SIGNOR as this is Mail Fraud sending a letter claiming a debt is owed to you without identifying who the sender is nor having the RIGHTS to collect a DEBT. A corporation CAN NOT send mail, a corporation is NOT A LIVING SOULtherefore Identify yourselves or stop sending me mail. 
The mail and wire fraud statutes both prohibit, in pertinent part, any scheme or artifice to defraud [, ] or to obtain money or property by means of false or fraudulent pretenses, representations, or promises. 
Also you prove to NOT BE THE HOLDER IN DUE COURSE of ANY PAPER bearing the name : XXXX XXXX  XXXX FURTHERMORE a UCC-11 DEBTOR SEARCH has been conducted whereby THERE EXISTS NO LIENS OR CLAIMS CERTIFIED that evidence the claim being made by XXXX or any other organization or entity. 
With that being said as you ARE NOT the OWNER of the account as you attest that you have ASSIGNED the Alleged Account to XXXX XXXX, XXXX ; then I DEMAND that you CEASE ALL REPORTING OF THIS ACCOUNT AND REMOVE IT FROM ALL AND ANY CONSUMER CREDIT REPORT BEARING THE NAME : XXXX XXXX    XXXX
Consumer complaint received 2019-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (FL)

Tried to obtain credit report about my own self from Experian by phone, online and various ways. On the phone, was told that all was fine and to pick which report I want. i said Experian. Was told report would come by mail. Then, by mail, Experian denied the request for its usual reasons ... illegibility or not proof of identity. I have prior documents showing them participating in illegal server transactions I want to prosecute them and/or class-action them. 

BTW : it is against the law to deny the individual their free annual report. Against the law to falsely accuse that individual of a crime. Using the name I gave and my home address, both supported with passport ( federal ) and driver 's license ( State of Florida ) in my possession, Experian mailed me the  denial notice which is evidence that the information that I provided was neither illegible nor incorrect. USPS delivered it to me at home with the address I had provided for report. ( USPS is gov't agency XXXX. To doubt my word that I am the individual named by me is to call me a criminal. Since I can prove that I am me, it is Experian who is committing a crime. 

I demand that Experian be investigated in my case.
Consumer complaint received 2019-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (MD)

I had been overpaying my escrow for over a year, however, recently had my property taxes reduced by 40 % as my XXXX Credit kicked in on XX/XX/2019. As I had an official bill from the XXXX XXXX Tax department stating what my taxes would be for the next three years, I had AmeriHome run an escrow analysis to reduce my payment and release the large surplus of funds in escrow. Their analysis confirmed the overpayment and adjusted my monthly bill accordingly. They also sent me {$1000.00} from my escrow. However, my net escrow balance is still {$1300.00} which is well above the " 2 month escrow cushion '' per law ( https : XXXX ). Law states that " ( 5 ) Cushion. The cushion must be no greater than one-sixth ( 1/6 ) of the estimated total annual disbursements from the escrow account. '' My new monthly escrow payment is {$430.00}. If you multiple that by 2, my net escrow balance at this time should be no more than {$860.00}. I tried calling AmeriHome on XX/XX/XXXX and having them release the remaining surplus, however, they refused to do so.
Consumer complaint received 2019-07-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY (PA)

This creditor just posted multiple false dates and late payments to the credit bureaus. They are showing my last payment as XX/XX/XXXX and I have bank statements showing no such payment was ever made. They also reported three years of late payments at once this year when nothing has changed on the account since at least XXXX.
Consumer complaint received 2019-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The following email was received on Friday, XX/XX/2019 from Bank of America respecting CFPB complaint XXXX ; it provides an excellent example as to one of the many reasons the CFPB needs to be given more regulatory authority. In addition to this email, Bank of America has made several telephones calls to me, sometimes ( but not always ) leaving a message : +++++ " From : XXXX XXXX <XX/XX/XXXX> Date : Fri, XX/XX/2019 at XXXX XXXX Subject : Acknowledgement of Inquiry To : [ Redacted ] XXXX XXXX XXXX, Our Regulatory Complaints team has received correspondence on your behalf from the CFPB. I am your dedicated point of contact until this matter is resolved. Please note that the Bank of America email address this is being sent from is not monitored for incoming messages ; therefore, please contact me directly at the number listed below at your earliest convenience. 

Before I complete a review of your concerns, I need to confirm that you are the party who engaged the CFPB by speaking with you directly by telephone. Please contact me by XX/XX/2019, to confirm that information. My days and hours of operation are Monday through Friday XXXXXX/XX/XXXX. to XXXX XX/XX/XXXX. XXXX. 

I look forward to assisting you. 

Thank you, C-XXXX XXXX '' XXXX '' XXXX Regulatory Complaints Regulatory Complaints Office : ( XXXX ) XXXX extension XXXX Fax : ( XXXX )XX/XX/XXXX-XXXX '' +++++ In addition to complaint XXXX-XXXX I have submitted three previous CFPB complaints ( not " concerns '' as Bank of America attempts to trivialize ) against Bank of America ( XXXX-XXXX , XXXX, and XXXX-XXXXXX/XX/XXXX). 

At no time previous did Bank of America respond by directing ( not suggesting ) me to call them to confirm that I made a complaint before they would " complete a review of [ my ] concerns ''. 

Placing the duty to respond on the consumer and insisting on a non-documentation method of communication gives Bank of America the opportunity to claim that they responded but the consumer did not. It also gives Bank of America the opportunity to attempt to coerce the consumer into dropping their complaint. 

Bank of America has received more than adequate information to confirm that I am, in fact, the person who has filed the complaint ( not, as Bank of America attempts to trivialize, a " concern '' including, but not limited to, the fact that I am personally known by the two Bank of America officials ( the branch manager and branch operations manager ) that are the primary subjects of the subject complaint. 

This is another duplicitous and reprehensible tactic by the Bank of America designed to prevent documentation of willful negligence and to trivialize blatant discrepancies. 

It appears that that the company calling me is a Bank of America sub-contractor or company that tries to mediate disputes and that Bank of America is attempting to circumvent the CFPB.
Consumer complaint received 2019-07-26
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MD)

I opened a new checking and savings account with Citibank due to their advertisement of a {$400.00} bonus for opening the new accounts. I have received confirmation that I qualify for the bonus but Citi is refusing to fund my account with the bonus. I have attached a copy of the letter confirming that Citi acknowledges that the bonus requirements have been met.
Consumer complaint received 2022-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit reporting act XXXX account # XXXX, has violate my rights.15 USC 1681section 602 states I have the right to privacy.15 USC section 604 A section 2 : it also stated a consumer reporting agency can not furnish a account without my written instructions.15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.