davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (MI)

I have been trying to link my checking account to the investment site XXXX   and have been unable to do so. It is very frustrating because I am trying to start investing my money. I can not do so if I can not access my account through this app.
Consumer complaint received 2018-05-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: DISCOVER BANK (TX)

On or about XX/XX/XXXX, My concern is Loan issuers lack of comparison to the rate being charged to the rate to be charged for new applicants today based on the issuer 's pricing for new accounts. Further concerns ; their lack of compassion and consideration in following reasonable polices to give any help due to my Identity Theft crisis in XX/XX/XXXX through XX/XX/XXXX, whereas my credit score to plummeted from XXXX ( GOOD ) to XXXX, POOR condition, as if overnight. Lacked Consideration refinancing current Loan amount {$3.00}, XXXX ; had original balance {$15000.00}, to lower existing monthly payments and increase the rate of pay-down. This would be achieved by reducing the minimum payment ratio from 10 % of the balance outstanding to 5 % for example or by offering payment holidays. The loan rate increases and arbitrary charges for services without consideration for whether the factors that led the card issuer to increase your interest rate still apply. Loan issuer proceeded down the path where factors that led to the increase no longer apply and failed to decrease my rate and follow reasonable policies in doing so. 
This behavior deprived me of ability to meet Hardships & Emergency financial needs during Family crisis at this time. My inability to qualify for access to reasonable lending leads me to predatory lenders which causes the need for me to seek & qualify for Credit card Debt relief and/or Chapter XXXX Bankruptcy methods. Have been a long time customer in good standing since approximately year XX/XX/XXXX.
Consumer complaint received 2018-05-03
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ditech Financial LLC (VA)

XX/XX/XXXX, I called to Ditech and stated that my XXXX-year-old Son was killed after being struck head-on by an off-duty police officer who was driving recklessly on the wrong side of the highway. During that time, I was satisfying final expenses ; and requested a payment extension. The Ditech Rep stated that they would forward me the paperwork for the request. 

XX/XX/XXXX, I received a plethora robo phone calls from Ditech requesting payment for XX/XX/XXXX and XX/XX/XXXX payment, ; and with every single phone call, I had to agonize over the pain of explaining to them about the death of my Son. I asked them was it possible to log the information I provided them, in an effort to avoid constantly repeating, my XXXX year old Son was killed in a car XXXX  and Ditech is working on extending the payments. However, to no avail, I had to continue to endure this suffering because no one bothered to take the proper steps necessary to accurately notate the account, and actually read it prior to calling me. 

XX/XX/XXXX, I accessed Ditechs online mortgage payment system to make two separate payments for {$690.00} each, for XXXX ; however, Ditech debited my account twice for {$2600.00} each time, for a total amount of {$5200.00}. I immediately called Ditech to make them aware of this error, and I was told by Ditechs representative that there was nothing that she could do about a Web payment glitch, and I would have to go to my financial institution and have them to perform a stop payment in order to reverse the charges and to get my money back. After the payments were returned to my account, I went to the USPS and purchase two money orders for {$700.00} each, for a total of {$1400.00}, with each {$700.00} money order labeled payment for XX/XX/XXXX and XX/XX/XXXX,  respectively. Within the same month, I purchased another money order for {$700.00} for XX/XX/XXXX payment ; which clear all outstanding payments. 

XX/XX/XXXX thru XX/XX/XXXX, I have purchased money orders for {$700.00} which exceeds what is actually owed each month, and from XX/XX/XXXX to present I have continued to received harassing phone calls and letters of threat to take my home due to an unforeseen tragedy in my life, a glitch in Ditechs online mortgage system, and incompetent and insensitive Ditech employees. 

XXXX, XXXX, and XXXX were the only competent and compassionate employees out of the 50 or more of the Ditech employees that I spoke with that could identify the problem within their system, and could see that payments were being made. Further, I was told not to worry about it, the problem would be resolved, and the Ditech Rep apologized profusely on behalf of Ditech. Unfortunately, noting has changed. I continue to be harassed and threatened with letters of foreclosure for Ditechs mistake.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

DIRECT TO EXPERIAN : According to my consumer report I received dated XX/XX/XXXX, I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or XXXX XXXXXXXX XXXX XXXX XXXX, oXXXX XXXX such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted XXXX XXXX XXXX  XXXX XXXX and XXXX, and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : 1. XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX 2. XXXX XXXX XXXX  XXXX XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 3. XXXX, XXXX, XX/XX/XXXX Any information listed on my consumer report must be verified or immediately removed. I am due for a thorough and proper investigation. Please send me any information regarding my request and an updated consumer report showing that the abovementioned demands have been met.
Consumer complaint received 2020-07-28
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. (TX)

XXXX XXXX XXXX has placed 2 collections on my credit report, for a medical company in Alaska. I live in Texas, not Alaska. I have disputed this several times with both TransUnion and XXXX, and was told each time that the information has been verified. This is getting frustrating to the point that if I can't find resolution this time, I'll have no other choice but to file suit against them! All I want is for them to use common sense, as I can't be in Texas and in a medical facility in Alaska at the same time! This is severely affecting my ability to access available credit, so I hope you can help, as no one else seems to care what stress this is causing me.
Consumer complaint received 2018-05-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Back in XX/XX/XXXX, a fraudulent purchase was made through XXXX and charged {$120.00} to my Bank of America credit card through XXXX. After dealing with XXXX, I was forced to dispute the charge through Bank of America and it was decided on XX/XX/XXXX that the claim was in my favor and I should be getting refunded the charge. As of today, XX/XX/XXXX, I have not received my money refunded to my account and initiated contact three separate times to receive answers. I call on XX/XX/XXXX and XX/XX/XXXX and was informed that the funds should have been refunded within three business days. On XX/XX/XXXX, I called again because the charge has not been refunded and was told that it would take a few weeks to receive a refund for the charge. I have since closed my account with them because my faith in this company has diminished since they seem to be incompetent about refunding me my money.
Consumer complaint received 2024-03-22
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: TOYOTA MOTOR CREDIT CORPORATION (FL)

On XX/XX/2023, I bought a vehicle from Lexus of XXXX XXXX, although I didn't finance the purchase through them. I financed through XXXX XXXX. Despite this, Lexus XXXX XXXX XXXX bank conducted TWO credit inquiries. On my credit report, the first inquiry is listed as Lexus of XXXX XXXX ( XXXXXXXX XXXX XXXX ), and the second one is attributed to Lexus of XXXX XXXX ( TOYOTA MOTOR CREDIT CO ) . I've reached out to their financing department multiple times, and they assured me they would address the matter with their bank. Unfortunately, they have since ceased responding to my calls and emails. I've left voicemails regarding the issue, but there have been no updates.
Consumer complaint received 2018-05-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (TX)

I had an agency look over my credit to help restore it. They informed me that the collecting agency, XXXX XXXX, had placed me in collections which caused a hard inquiry on my credit history. The date I placed on it reports for XX/XX/2017. I was never notified about this debt or an attempt to collect. The amount to collect is {$24.00}. I called to speak to a manager to pay off the debt and have it removed from my credit history and they always prompted me to an automated voice system. A few other attempts resulted in them hanging up on me.
Consumer complaint received 2022-01-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

This is XXXX XXXX and XXXX XXXX We offered {$280.00} on the collection account and they refused. They want between {$500.00} and {$650.00} to cover a {$750.00} debt and this is too much. We want to pay if but to be fair to both parties. We are elderly ladies that are co executors of the will and there was little money to cover the expenses and we did promise to try to cover all of his debt. We fell short because this company will not work with us. XXXX was a XXXX vet and XXXX that incurred a lot of medical debt in his last year. He loaned someone money that wrong bad checks to cover the loan and that was unfortunate.
Consumer complaint received 2020-09-11
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: Experian Information Solutions Inc. (TN)

NO RESPONSE OR COMPLIANCE FROM XXXX   XXXX, OR EXPERIAN SINCE DISPUTE SUBMITTED ON XX/XX/2020. This is my second written document that has been forwarded to these credit bureaus. Neither credit bureau has responded in ( 30 ) days. (  They should delete these items from my credit report. ) I filed a dispute with XXXX  XXXX, and EXPERIAN on XX/XX/2020 about fradulent, innaccuarate or unverifed items on my credit report. 

Name of negative accounts on XXXX XXXX & Experian listed below : 1. XXXX XXXX XXXX Unverified Account XXXX. XXXX  XXXX XXXX Unverified Account 3. XXXX XXXX  XXXX Unverified Account. 

Name of Experian negative inquiries listed below : 1.  Creditor : XXXX XXXX - Inquiry Date : XXXX - 2.  Creditor : XXXX XXXX XXXX XXXX XXXX - Inquiry Date : XXXX 3. Creditor : XXXX XXXX XXXX - Inquiry Date :  XXXX. 

Name of XXXX negative inquiries listed below : 1. Creditor : XXXX XXXX XXXX - Inquiry Date :  XXXX 2. Creditor : XXXX XXXX - Inquiry Date :  XXXX - 3. Creditor : XXXX XXXX XXXX  - Inquiry Date :  XXXX. 

I advised XXXX  XXXX and Experian that the fradulent, innaccuarate or unverified items listed below remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? I advised XXXX XXXX and Experian that they have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I made clear I am a litigious  consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.
Consumer complaint received 2022-01-15
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harpeth Financial Services, LLC (GA)

Loan shows it was taking out in XXXX. Reported on my credit XX/XX/XXXX as an open loan. The loan was apparently closed in XXXX. Advance Finacial 24/7 says loan amount was for XXXX $ Reported debt on my credit for XXXX $ Never received any notices from the company, nor any letters from a debt collection agency addressing this debt. Never had a chance to dispute this debt as being in correct. This randomly popped up on my credit report as of XX/XX/XXXX.
Consumer complaint received 2022-02-17
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: Experian Information Solutions Inc. (NY)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-05-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recover, LLC (IN)

COLLECTOR FAILED TO VALIDATE, CEASE COMMUNICATIONS AND IGNORED CEASE AND DESIST ORDERS.. CEASE AND DESIST COLLECTIONS WE ARE DEALING XXXX XXXX XXXX XXXX DIRECTLY! WE ARE CURRENTLY SUING THEM AND ARE IN LITIGATION AND YOU MUST REMOVE ALL CREDIT REPORTING OR YOU WILL BE SUED TOO!!!
Consumer complaint received 2020-07-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (LA)

Fraudulent Bills from beginning to end, Fraud, HIPPA, Privacy, Criminal Mischief Cease financial harm on purpose, it costed be about {$4000.00} to pay credit repair services to fix this, they hire XXXX  like XXXX XXXX who act like they are jealous of XXXX XXXX, all parties should make apology letter. My legal secretary will be calling and transcribe their inconsistency. Make them report full names, and social security because they all have Mr. XXXX Social Security Number and they will never respect privacy. 

Look at The Bills Attached Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX , La . XXXX
Consumer complaint received 2018-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

i applied for a credit card on XX/XX/18 with XXXX XXXX an i got denied based on my credit report that was send from experian with all type of inaccurate things on my report. which caused me to denied for credit.
Consumer complaint received 2018-04-15
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: SELLING SOURCE, LLC (NY)

I am a victim of identity theft. Several years ago my office was broken into and several identity documents were stolen. After the identity theft several accounts were applied for and/or opened in my name without my knowledge or consent. I filed a police report and have attached a copy of it to this complaint. I ordered my XXXX  report and found the inquiry below which was not authorized by me : XXXX XXXX on behalf of XXXX XXXX DATE : XX/XX/2015
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LoanCare, LLC (NC)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 6o2 states I have a right to privacy. 15 USC 1681 section 6o4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 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 any purpose.
Consumer complaint received 2022-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I had fraudulent charges in my Bank of America debit card and BBnT business card and Bank of America credit card. Transaction was I believe XXXX from XXXX in XXXX Nc. I dont live in XXXX  nor did i go to XXXX XXXX XXXX done on XX/XX/2022. I got a phone call from BofA Wednesday morning saying they blocked my debit card for suspicious charge. They asked if I made transaction I said no. They said transaction was declined and blocked card and issued new card. Same transaction was done 4 time on business card I was an authorized signer in. My boss at the time filed a fraud claim with bbnt for those transactions. 

I didnt check my wallet because I was home XXXX XXXX XXXX and didnt need to purchase anything. On Thursday I went to my grocery store and realized I didnt have my debit card ( bc new one was being sent out ) realized I was missing my business card, debit card, and multiple gift cards. I took my CC and it was declined. I called BofA and they said I was over my limit because of a XXXX transaction. I told them that wasnt me.. it was fraud also tried in my debit card and it was done and approved on my business card that had a fraud claim with that financial institution. 

Bank of America denied claim saying it was done with my chip. I refilled claim saying it was fraudulent. They never communicated with me on the second claim. Its 5 months later they still denied claim saying it was done with PIN number and chip. No one has access to my information. I was not in XXXX Nc at XXXX. I did not order anything from XXXX online. I was home. And Bank of America refuses to file this as a fraudulent transaction. I work at XXXX XXXX and have filed claims for XXXX for the same amount as fraudulent transactions. Ive had neighbors who had had their car broken into and had the same fraudulent charge on their card. I fully believe someone broke into my car and I didnt know until days later. The point is I am not paying for a fraudulent transaction and Bank of America refuses to show empathy, acknowledge the situation, provide a resolution. Bank of America refuses to even take my complaint on their process and I need a resolution.
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

After several rounds of disputes with ChexSystems about this address there has not been any real investigation. I gave them a contact number to the Apartment community that they are supposedly representing on my report. The address that you are reporting is invalid as well as incomplete and can not truly be verified. To the least, the address has not been authenticated as per my requirement as you are falsely reporting inaccurate information on my report. I challenged ChexSystems to verify in their re-investigation an address that is not a valid United States Postal Service address according to the rules of the FCRA regarding re-investigations. ( COPIED FROM AFFIDAVIT ).
Consumer complaint received 2024-03-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC (FL)

I am writing to dispute the debt you are attempting to collect from me. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq., specifically 15 U.S.C. 1681-S 2 ( 7 ) ( a ), I have the right to dispute the validity of this debt. Here are the specific reasons for my dispute : Validation of Debt : Pursuant to 12 CFR 1006.34 ( b ) ( 5 ) and 12 CFR 1006.34 ( c ), I request that you provide a written validation of this debt, including the amount of the debt, the name of the original creditor, the dates of service for the debt, and my signature on the contract of this debt. I also request information on how I can dispute the debt electronically, as allowed by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). I request that you cease all communication with me regarding this debt collection effort. This is in accordance with 12 CFR 1006.34 ( d ) of the FDCPA. Please note that I will not acknowledge this debt as valid until I have received the requested information. I expect a response to this letter within five ( 5 ) days of the date it is received. Please be sure to include your validation information and any procedures for disputing the debt electronically. Thank you for your time and attention to this matter.