davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a loan with BANK OF AMERICA and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, BANK OF AMERICA and XXXX XXXX XXXX  with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2022-07-22
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX  # XXXX XXXX  Bankruptcy, 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 2021-04-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX  is not accurately reporting the balance as {$1000.00} on my XXXX  XXXX Card to Transunion, XXXX, and XXXX. I am not carrying a balance on this card. This card has been paid in full.
Consumer complaint received 2018-05-05
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

We obtained a mortgage through Bank of America in XX/XX/XXXX. In XX/XX/XXXX, I lost my job, and started commuting to XXXX weekly. In XX/XX/XXXX, we moved to XXXX, TN, and put the XXXX   house up for rent. A year later, due to the housing bust, we could no longer afford to rent the house, since any rental income we could receive was 1/2 what was needed to pay the monthly housenote. We continued to struggle with paying the note for another year.

On many occasions, from XX/XX/XXXX to XX/XX/XXXX we contacted Bank of America 's Home Retention department, alerting them that we could no longer afford the house, and that we were being proactive in pleading with them to help us, and avoid any credit problems. They said that, due to the type of mortgage we had, and since the house was not our primary residence, there was nothing that they were willing to do. Despite this, they continued to have a collections officer call us almost every day, and sometimes multiple times in a day. Although I tried to make him understand our situation, he was rude and condescending, implying that we were lawless thieves. In one conversation, he told me he would " call me every hour if that is what it takes. '' In XX/XX/XXXX, I had received notice that we had a potential renter who was willing to pay {$500.00} less than our house note for rent. At the time, we were {$6200.00} overdue. I used my bonus check for the year, and sent the amount in a Money Order. The next day, the renter pulled out, and I called the Bank of America Foreclosure department, asking them to return the Money Order, since I had no way to continue payment after reinstatement. They said that it had not arrived yet, but when it did it would be returned ( XXXX, XX/XX/XXXX XXXX ). It was never returned.

The next week we consulted a lawyer in XXXX, and were told that, if we let the bank foreclose, the affect on our credit would last up to 7 years. Although foreclosure had begun in XX/XX/XXXX, Bank of America, through deceptive and, in my opinion, unethical means, did not record the foreclosure until XX/XX/XXXX. The house was auctioned off in XXXX on XX/XX/XXXX at XXXX.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

The credit bureaus have listed fraudulent accounts on my report. Portfolio Recovery sent has reported XXXX fraudulent accounts on my credit report. No letter, no documents, no call. This is harming my credit report. My consumer rights have been violated
Consumer complaint received 2022-07-22
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2018-05-05
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. (FL)

I submitted a credit dispute to bothe XXXX and Experian for an account that was not not properly validated. Both reports state it was verified. I sent a debt validation letter to XXXX & XXXX PA for a collect account found on my XXXX and Experian credit report. I sent the request on XX/XX/XXXX certified and it was received and signed by the Collection Agency on XXXX/XXXX/3018. On XX/XX/XXXX a representative of the collection agency called me to inform me that they do not need to validate anything as their client sent an invoice. I proceeded to tell them that I did not receive any invoice nor did I receive the requested items in the debt validation letter. I further asked for all information in the letter to be sent in writing. It has been more than 30 days and I have not received any information validating the debt belongs to me as allowed under the Fair Debt Collection Practices Act ( FDCPA ). I attached a copy of the validation letter sent and the proof of certified mail received. I also submitted a CFPB complaint on the collect agency and they did not respond CFPB complaint XXXX. I also I checked to see if XXXX is a licensed collection agency in the state of Florida and it is not. All of these points show they do not legally have the right to report a negative file on my Credit reports.
Consumer complaint received 2021-10-23
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. (MS)

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters and called the company numerous times while attempting to obtain all information needed to remove this inquiry. This inquiry is effecting my chances highly of establishing a great history with the current company and keeping me in financial hardship. The name of the inquiry is XXXX XXXX. The bureaus reporting are XXXX, XXXX, and TransUnion. Thank you!
Consumer complaint received 2023-08-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

These crooks were sent a Cease and Desist letter through your office as well as the XXXX XXXX XXXX  in XXXX  look at my file! This is also a time barred credit card debt that is well over XXXX XXXX  old the statute of limitations for credit card debt in the State of XXXX  is XXXX XXXX  so you need to enforce the FDCPA laws on them for trying to collect on it and I am not required to send them anything nor will I be and am sending all to a debt collection attorney to sue them!! They also sent me four copies of this fraud letter in one day more harassment!! If they contact me again I will also be suing them for stalking and harassment!! I want a copy of my complaint forwarded to the FTC and XXXX XXXX XXXX  so they also can go after them!!!
Consumer complaint received 2018-05-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (IN)

This complaint is in connection with complaint # XXXX. I have since received paperwork from Ocwen and XXXX Bank that they are trying to foreclose on my house at XXXX XXXX XXXX XXXX XXXX In. The last time I had spoken with XXXX XXXX in Ocwen 's Ombudsman Office, she had said that she was going to check with her superiors to find out what could be done about the {$1300.00} they were saying that I had to come up with before they would start a NEW modification on my mortgage. I was never told or warned about any foreclosure until I got home from work XX/XX/XXXX and found the paperwork! There is also an open case against Ocwen since XX/XX/XXXXof XX/XX/XXXX that I would like to be a part of. Once my case is looked into further, you will find that I qualify and could help the case. Please help!
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION (OR)

I've been a Simple bank customer since its beginning and loved them. BBVA bought them out and recently decided to close down Simple. They ensured us that the process would be seamless, but it has been awful.

Yesterday was the transition day and we were all instructed to sign-up for online banking through BBVA. When I tried this, I got locked out and was unable to access my accounts. This is not isolated to me, and it appears that there are tons ( maybe even all ) who are experiencing this same issue.

So what? Technical issues happen and are a part of life. I work in IT so I know this firsthand.

However, I'm filing a complaint because there is no way to contact BBVA, and they have failed to send any emails about the situation. Instead, I had to go to social media. Yesterday ( XX/XX/XXXX ) they put up a tweet " BBVA customer service will be open tomorrow, Sunday, XX/XX/XXXX from XXXX XXXX. to XXXX XXXX. Central to assist Simple customers converting to BBVA USA. Please call XXXX for service during that time. '' Well, I've called 25 times and been hung up on every single time. Their customer support staff are being instructed to hang up on these concerned people who can not access their funds. Some of them pretend like they can not hear us and others simply hang up within the first 10 seconds of the call. I know that this is coordinated and intentional because it happened so many times with different support representatives. 

This is truly astonishing to me, and absolutely unacceptable.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (SC)

XX/XX/XXXX I received my XXXX consumer report and LexisNexis Risk Consumer Center & LexisNexis Solutions Inc. is still reporting Bankruptcy in the public record section of my XXXX consumer report. Even though Bankruptcy maybe public record BUT for it to be reporting to my consumer report, I must give them my written permission and I never gave them my written permission. According to 1681b- they have violate my rights. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. LexisNexis Risk Consumer Center & LexisNexis Solutions Inc. has violate my privacy act accord to privacy act of 1974. The Privacy Act of 1974 states : No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. I have provided attachment with proof of privacy act 1974, proof from Delaware Courts don't report Bankruptcies to consumer reporting agencies, and i have proof of my spouse letter for South Carolina Bankruptcy court states that don't report to consumer reporting agencies..
Consumer complaint received 2020-07-29
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$8900.00}, {$0.00}, {$8000.00}, {$21000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8900.00} -This is not my account. 

4. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 


-- PERSONAL ACCOUNT 6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account.
Consumer complaint received 2021-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital one flagged my account for fraud because I received a loan from the SBA. Im a sole proprietor and have been a private XXXX since XX/XX/2015. SBA says since my business is conducted in my name and SSN I can use a personal checking account. I also have an EIN number. Which Ive provided capital one with my ein, XXXX tax returns. Sba promissory note and 1099 for the last 3 years. They have froze not only my checking account but my savings account and will not give me a time frame of the on going investigation. Furthermore they have said they plan on giving sba back my funds but according to my bank account my funds came from a lender. Fraud department says they only thing I can do is leave a voicemail to a fictitious number or email in my documents which I have 4-5 different times
Consumer complaint received 2024-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (CA)

I am repeatedly getting calls and voicemails with a recorded message telling me to contact Harris and Harris , Ltd. by calling the provided number. When I finally was able to reach a live person, I was informed that the company was trying to collect on a debt. When I asked for the name of the person and the address they were trying to collect from, they refused to give me the information. They then asked me for my name and address, which I obviously am not going to provide to a company that can't even tell me who they're trying to collect from. I am not delinquent on any debt, and Harris & Harris , Ltd. has provided no means for removing my phone number from their call list.
Consumer complaint received 2020-07-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (MI)

Hello, I recently applied with a re-finance through rocket mortgage approximately around XX/XX/XXXX. The process seemed brilliant and easy ; however, after turning in all documents and told I was told we would be closing soon around XXXX. After many delays, I was told everytime I called in we were close to the closing process. Then I started receiving messages that they needed a paycheck almost every week to prove employment. The problem with this is, it takes rocket mortgage on average a week to verify the documented paycheck you submitted. But when they say you are closing again, they halt the process and need a new pay check. So everytime I submit a current week paycheck, they process it next week. Then say, we need next weeks pay check to close - Its an infinite loop of them taking a week to process a current paycheck, that I am perpetually " always '' a week behind in their system to process a paycheck. It is now XX/XX/XXXX after told many times we are closing and its not happening. 3 months and 12 days later of personal time and energy wasted when I could've gone to a local credit union or bank. They keep you on the hook because of all the invested energy already but it seems nothing will ever close. No client needs to experience this. I am still today awaiting to close the loan - There was never a mention of credit score, loan value or appraisal just - waiting on documents - Waiting to get the loan togethor then a repeat of we need your next current pay check - Pay check submitted - One week to verify - Now that current pay check is one week late once verified ( because a pay check given to them on XX/XX/XXXX will not be verified by their team till XX/XX/XXXX or later ) and they re-do the process over and over. Its not currently possible to close on a loan with these practices.
Consumer complaint received 2023-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HOME BANCSHARES, INC. (TX)

I am contacting you about Centennial Bank, XXXX XXXX XXXX. I have the option to make recurrent payments to vendors. In XX/XX/XXXX, I removed a vendor because of an overpayment and I would no longer be required to pay this landlord on my office lease. In XX/XX/XXXX, despite canceling this payment, they remitted {$2500.00} to XXXX XXXX. I contact Centennial after XXXX returned the checks marked void. Today, I received two additional checks, one dated XX/XX/XXXX and another dated XX/XX/XXXX, for the same amount that was voided and returned. I contacted the bank helpline, and they looked at my recurrent list of payees and my list of payees. XXXX appeared on neither list. They can not explain why. This is a sorry state of affairs. Since Centennial acquired XXXX XXXX XXXX, it has been a total disaster. This is one of many errors. It is my intent to withdraw and close all my accounts once I can switch how they are linked to payees.
Consumer complaint received 2024-03-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (SD)

I am not liable for this debt with Midland credit management of XXXX I first seen this on my credit report through credit karma and i disputed it? Its also shown as an open account? I do not have a contract with midland credit management, they did not provide me with the original contract as I requested or my wet signature and ID verification? Theres not even an account number that I could give you. Thank you for your help in this matter.
Consumer complaint received 2020-07-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Hunt & Kahn, P.A. (FL)

I had a XXXX XXXX XXXX XXXX cc that was included in my Bankruptcy Ref # XXXX the charged off debt was sold to Hunt & Kahn I had a XXXX XXXX XXXX XXXX cc that was included in my Bankruptcy Ref # XXXX AND DISCHARGED. Yet this one specific charged off debt was sold to debt collectors, Hunt & Kahn , P.A . representing XXXX XXXX XXXX, a well known debt buyer. I have REPEATED responded to Hunt & Kahn 's aggressive collection attempts by advising them that this collection amount was discharged in my Bankruptcy from  XX/XX/2011. They have also erroneously increased the amount that was discharged by 40 % and now are garnishing my wages to recover the discharged amount - which was also overinflated from the original discharged amount. The Institution Information : U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX ( XXXX ) XXXX Overview Bankruptcy Reference Number # XXXX Date Filed : Reported on XX/XX/2011 XXXX
Consumer complaint received 2022-07-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY (CA)

XX/XX/XXXX, XXXX Transfered {$40000.00} and {$190000.00} from American Express Personal Savings account to XXXX XXXX Savings Account XX/XX/XXXX, XXXX Initated transfer of {$3000.00} from my XXXX XXXX XXXX XXXX account to XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX  XXXX my account and online access without notifying me or providing any reason ; I can not access my funds or my account at this time XX/XX/2022 at XXXX Called XXXX XXXX Customer Service; agent claimed she could not assist me and provided no explanation as to why my account had been XXXX or why I can not access my funds ; she stated I have to wait for another another department at Bask Bank to call me to further explain. 

I have never had an account " XXXX '' nor have I been denied accesst to my funds from any other institution. 

XXXX XXXX needs to release my funds in the form of a cashier 's check mailed to my listed mailing address or provide my other institutions with a letter of identity to return my deposits to my original accounts ; XXXXXXXXXXXX XXXX appears to be fradulant.