davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (VA)

My name is XXXX XXXX and my wife and i have a conventional mortgage loan with Ameris Bank Mortgage Service 's on our property at XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX. Ameris Bank Mortgage Services has an address of : Escrow Department XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Illinois XXXX and a phone number of XXXX. My wife 's name is XXXX XXXX. Our loan number is XXXX. We have been customers of Ameris Bank for over 3 years and have never been late or missed a payment. We are the original owners of our home of 15 years and have been in good standings with the previous company with never and late or missed payments. 
We have tried several times with Ameris Bank to have the PMI removed from our loan as we feel that we have sufficient equity in our home. We are positive that our home would appraise for more than XXXX as their are neighbors on our street with the same size home and amenities that have sold for XXXX or slightly less in the last couple weeks and months.. We owe XXXX Our first inquiry to Ameris bank ( XXXX ) regarding PMI removal resulted with a representative telling me that the Unpaid balance would need to be 78 % or less of the property 's value. 
Our most recent inquiry resulted in us being told that it needed to be 65 % of the property 's appraised value. The UPB number continues to go down every year. 
After speaking with a mortgage loan specialist with Ameris Bank, he advised that he could not tell me why the rate was as 65 % and said " That is crazy '' and said that the number should be around 80 %. He told me that he was going to do some research and get back to me. 
The following week, ( XXXX ) he called and said that he had spoken with a member in the escrow department and was told " the number is what it is and cant be changed '' and had no explanation but offered to help me with a Re-finance. ( Of course he did ). 

Respectfully, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 and 60 days late in XX/XX/2017 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 2022-07-22
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 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. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-07-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Creditor's Collection Service, Inc. (VA)

My son has a medical card and the hospital billed the insurance improperly and then turned me over the collection agency. I have spoken to them and the collection agency and keep getting the phone calls. I contacted his medical cars insurance XXXX XXXX  XXXX   XXXX  and he was covered for the service dates. He was transported to XXXX XXXX and they were able to properly bill so Im not sure why XXXX XXXX Hospital couldnt. His dates of service were XX/XX/XXXX and XX/XX/XXXX. His coverage through XXXX was good from XX/XX/XXXX to XX/XX/XXXX. I contacted them in XX/XX/XXXX after receiving a notice I was turned over to collections. I have contacted the collection agency as well and it doesnt seem to be getting anywhere. It has been reported to my credit and I am very upset as it was XXXX XXXX that made the mistake.
Consumer complaint received 2018-04-13
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)

At XXXX on theXX/XX/XXXX I went into the Bank of America Financial Centra  on XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. 

The reason for my visit was to withdraw cash out of the ATM machine inside the Branch. 

My issue is that I tried to withdraw {$200.00} cash out of my checking account, the process went through, however no cash came out of the machine. Because of this, I further withdrew {$100.00} because I still needed cash and I received the {$100.00} full amount. 

I ended up looking at my mobile banking and I realized the {$200.00} was in fact taken out of my account. 

I visited the Branch the next day on theXX/XX/XXXX to inform them of this mistake. They ended up lodging an claim for me. This claim was rejected upon there review. I appealed this and asked for access of the video footage, they said they couldn't share it with me and said they'd get back to me. 

I asked the to see if I withdraw cash out twice, they said they'd get back to me, no response until they told me my appeal is rejected. 

I'm frustrated because a few days after this original issue, I had an automated direct deposit taken out of my checking account and I was charged an overdrawn fee of {$35.00}, but if I had that extra {$200.00} I was stolen from BOA, it would of covered it.
Consumer complaint received 2022-06-16
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. (AL)

in accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX  Act. # XXXX has violated my rights. 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
Consumer complaint received 2018-04-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (WV)

XXXX XXXX hilds the debt on my credit cards. I have been diagnosed with XXXX XXXX and asked if there was a way to consolidate these bills so my credit was not ruined. It has been months and I am very sick. This company continues harassing me at work even after repeated verbal communications to cease. I have been yelled at, verbally attacked iver these bills. Had they helped in the beginning I would not have accrued the interest that has run these bills to a level I am in no position to pay. I firmly believe this hardship was done on purpose as poor business practices and should not be allowed to ruin me financially when I attempted to wirk with them.
Consumer complaint received 2022-06-16
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. (NJ)

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 XXXX XXXX XXXX, account name, XXXX XXXX, account, number, XXXX XXXX, XXXX XXXX XXXX, account XXXX accountname, XXXX XXXX XXXX account XXXX accountname,
Consumer complaint received 2021-09-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (MA)

I purchased my car on XX/XX/2019 for {$20000.00} and I put a {$3000.00} down payment resulting to {$17000.00}. I have paid {$420.00} each month and sometimes even more. Its past two years and it shows that I still owe around {$14000.00}. My payments hasnt been going down. In my statements shows that sometimes it only goes down XXXX dollar. Please help. This car has ruined my life and now I dont even have money to take it out. My payments never went down and Westlake financial service is robbing me!! Its cause a big XXXX  affect on me because Im been XXXX  about paying my car on time during the pandemic and now having to deal with this situation. Also, please contact me with a XXXX  lawyer. I had to use a translator for this.
Consumer complaint received 2020-07-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

Portfolio Recovery bought credit card debt from XXXX XXXX and they re-aged the account from the last date of payment which was XX/XX/XXXX and the account was closed XX/XX/XXXX. Portfolio recovery bought the debt in XX/XX/XXXX and reported negative marks to my credit every month when I do not nor have I ever had an account with them. They re-aged the account with this new date of XX/XX/XXXX. This account was charged off in XX/XX/XXXX. 
I contacted all three credit bureaus with this information on XX/XX/XXXX and they failed to remove the erroneous information from my credit file. This has crime has damaged my credit and effects my ability to obtain credit. This is a concerted and illegal effort of the part of both companies. Currently I am not a member of the class action lawsuit about these dubious practices but I will be seeking a legal remedy in the future
Consumer complaint received 2018-07-20
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. (OK)

Experian is reporting on my credit profile a " FP '' from XXXX credit these account should show as closed and included in a chapter XXXX however they keep reporting as I owe this and it is a failure to pay
Consumer complaint received 2022-06-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MT)

I have attempted ( again, I did previously ) to pay my Synchrony Amazon Store Card and the payment disappeared from my bank account, I got a confirmation e mail from Synchrony that payment was accepted but then when i check the Synchrony Site, I see payment was then rejected. Where did the money I paid Synchrony go? Its not in my account.
Consumer complaint received 2020-12-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I filed a dispute about the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

My name is XXXX XXXX ... I am XXXX years old ... .I HAVE NEVER LIVED IN XXXX , GEORGIA ... .I HAVE LIVED IN XXXX, GEORGIA my entire life ... .yet EQUIFAX has yet again added a XXXX XXXX apartment COLLECTION ON MY CREDIT REPORT THAT WAS ONCE REMOVED AND PROVEN TO BE FRAUD ... ..I HAVE NEVER ATTENDED IN SCHOOL IN ALL MY XXXX YEARS, YET EQUIFAX IS REPORTING STUDENT LOAN ACCOUNTS ON MY CREDIT REPORT THAT DEFINITELY DO NOT BELONG TO ME .... 

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.
Consumer complaint received 2022-06-14
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting and XXXX  Acct XXXX, XXXX. XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

In accordance with the Fair Credit Reporting and XXXX  Acct XXXX and XXXX, XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-04-07
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A. (FL)

I called Citi Bank 3 or more months ago to close my account and send me a check for the funds. They sent me a check, but never closed the account. During the past three or so months they have been charging me service fees for a account I thought was closed and had a XXXX balance. They are trying to make me pay XXXX or they said they would report to a collection agency and alert the banking network so I would have a hard time opening new accounts.
Consumer complaint received 2018-05-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (IN)

I was contacted by a blocked number and the person stated they were sending a process server to serve me with papers regarding a suit against me. I panicked and asked for more info. The " process server '' said they only had a sealed filed with no info. I was given an XXXX number and case #. I contacted the number and was told that Ace Cash Express was filing charges against me for intentionally committing check fraud. 

The debt is valid and I set up payment arrangements. I made 2 payments and then I had to cancel my card because I lost the original card. I was contacted on XX/XX/18 and told that I had to pay the balance by the end of month or XXXX XXXX would " send my file back upstairs for processing '' due to defaulting on po payment arrangements. Then on XX/XX/XXXX, XXXX   of XXXX XXXX XXXX, left a very detailed message on my voicemail including the amount of my debt and the consequences for not contacting by the end the business day.
Consumer complaint received 2020-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have been fighting with the bureaus regarding accounts on my credit report that need to be removed that aren't mines, and yet here I am again receiving debt collection calls about accounts that I have never opened, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX, and a few others. I have included them in my police report as well as my FTC Report. I should already have a fraud report on file, there should be no way companies are able to run my credit without me being notified, I have recently changed my number due to the heavy call volume of debt collectors reaching me on things I never purchased. I never had any banks or debits until I found on by recently checking a credit report of mines. I want these items investigated and deleted, also want them blocked. I had a car that I paid in full sent in documentation of it being paid in full and being signed over to me from the XXXX  XXXX company and it has showed back up ... PLEASE FIX THIS. This is draining. All the fraudulent inquiries from phone and finance companies, XXXX accounts. Just alot of things done without my consent.
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (MI)

My credit report shows 90 days to 120 days delinquent status for my student loans through XXXX XXXX. After providing proof to XXXX XXXX that my student loans should have been in forbearance during the months of XX/XX/XXXX and XX/XX/2017, XXXX sent me a letter agreeing that my student loans were retroactively placed in forbearance for the months of XX/XX/XXXX and XX/XX/2017 ; however, XXXX is refusing to remove the delinquent status from my credit report.
Consumer complaint received 2022-06-16
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 
And also the following accounts too XXXX account # XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX  account # XXXX Chapter XXXX Bankruptcy Ref # XXXX XXXX XXXX  account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 1604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I sent a letter on XX/XX/XXXX to remove the unverifiable items that is UNKNOWN to me. I called XXXX and Experian after I purchased a credit report from Experian on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Name : XXXX, XXXX Addresses : XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX and Accounts : XXXX XXXX, XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying Experian to get a report every month and I have been disputing fraud accounts on my credit report all this time. XXXX of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by XXXX and Experian not blocking these accounts is inadvertently resulting in me being extorted.
Consumer complaint received 2022-06-16
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. (NJ)

In accordance with the Fair Credit Report act US DEPT of EDU account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency cant furnish a account without my written permission
Consumer complaint received 2021-12-01
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: EQUIFAX, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-01-31
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I went into Bank of America located at 1 XXXX in XXXX XXXX to cash my check on XX/XX/20 and was subsequently denied, due to my race, after several excuses. I was first told that I could cash my check, then told I could not get any cashiers check, then told I could not cash my check due to check cashing limits, then was told that I needed to open an account to cash my check, then told the systems were down. It should be noted that individuals came into the bank, all XXXX and spoke with bank employees, who were all XXXX, at this point is when I was denied cashing my check. I later checked on the policies of the bank re : check cashing which turned out to be no bank policy at all. These individuals were making up their own rules to deny me cashing my check. I am XXXX XXXX. To test one of their excuses, I had an individual who has a bank account with this bank, go in and withdraw a well over the limit they indicated you can not withdraw, so obviously that was a lie. They told me they could not cash anything or allow to be withdrawn over {$5000.00} as my check was more than this. I had this individual go in the next day and withdraw {$6000.00} out of their account to see if that was their policy, and of course, it is not. Also, it should be noted that I recently sued this bank, so I am not sure how much of a factor, if any, this played in my being denied to cash my check.