davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I received a XXXX from XXXX XXXX XXXX in the amount of {$100000.00} as a result of hitting a XXXX  jackpot. The check from XXXX  was written on a Bank of America XXXXaccount. I thought great, I have an account with BOA. I took the check to local branch on Wednesday of this week and asked specific questions about when the funds would be made available. They said they had to run it through the system first to see if there would be any holds. Did so and it can back with no holds. Teller explained that I should have access to the funds the following day. After completing the transaction and leaving the bank I get an email that they have placed a hold til XXXX morning at XXXX ( ok just XXXX  additional day, not tripping ). Then XXXX morning I receive an email stating that they placed an additional hold on the check because check specific information indicates item may be returned. They added an additional XXXX day to the hold saying funds would now be available XXXX after next ( XXXX days after the initial deposit ). I contacted BOA customer service to offer further clarification. First I was told the check was large. I replied yes large to you and me but not to multi XXXX dollar institutions like BOA and XXXX. Furthermore, the check is from a BOA account and they should be able to verify that it is good and funds are available. There should not be a risk of it being returned. The funds are there or not. I asked to have it escalated to a supervisor. I explained again that check was written on a BOA account ( XXXX ) and they should be able to authenticate and verify availability of funds. She said business accounts are different than personal accounts. Therefore, the verification was treated similar to an external bank. I called XXXX on that. I am unnecessarily missing out on the opportunity to collect interest on my own money for nearly XXXX weeks and at this point do not trust that BOA will honor releasing the funds to me XXXX days from now. They have proven to be untrustworthy and have not offered a justifiable reason for why they are not making my funds available to me so that I can benefit from the interest and other investment returns on my money.
Consumer complaint received 2021-06-13
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: DISCOVER BANK (NJ)

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2022-05-04
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 XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX & Account # XXXX, XXXX XXXX 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
Consumer complaint received 2022-02-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (VA)

ARS collection agency, has been notified by XXXX XXXXXXXX that the charges {$160.00} on XXXX occasions were processed and paid through XXXX. XXXX continues to try and collect and refuses to remove debt from credit report after letter of eligibility has been sent numerous times and told can not collect on debt that is unlawfully.
Consumer complaint received 2018-07-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

CAPITAL ONE 360/XXXX XXXX XXXX WHY DID THEY FREEZE MY ACCOUNT XXXX XXXX XXXX? WHY DID HE DEFRAUD ME? WHY ARE YOU LETTING THIS MAN COMMIT ACTS OF FELONY ON THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS IT BECAUSE I DIDN'T GO AND SIGNED MY FILE WITH THAT HIM AND HIS OTHER BANKER XXXX XXXX XXXX CEO, Chairman & Director, XXXX XXXX XXXX XXXX XXXX XXXX , Massachusetts XXXX Phone : XXXX AND XXXX XXXX CEO WHAT ARE YOU AGENCY GOING TO DO ABOUT THIS?
Consumer complaint received 2022-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (NY)

Due to covid I lost my job and went into forbearance program with flagstar bank my mortgage bank, after I start working again I applied and was approved for streamline loan, I paid XXXX months what's called trial, after XXXX months I got the paperwork to fill out sign and noterize, did it all send it in took a picture from the tracking number, called them and a representative confirmed with me that they got the documents on XX/XX/2002, after a while I still got emails and calls about the documents, I called back and start getting the run around somebody will call me blah blah blah .... The only calls I got was harassment about when I can start paying the mortgage ( old balance ) and every time I told them I sent in the papers and I'm waiting the account to be updated, I called back after a week and they said well they don't know what happend with the documents they going to send a mobile notarization, she came down filled out the papers again, she provided me with a tracking number and after a few days I checked with the bank after transferring me XXXX times they confirmed that yes they received it on XX/XX/XXXX, and of that week I received a latter that my loss mitigation file has been closed because they haven't received the necessary documents to complete the modification, called them being on hold for hours nobody is available to speak to me, they can have someone call me back, which we know from experience that it doesn't happen, and that's where I'm right now.
Consumer complaint received 2017-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

I have spoken with Experian about a existing issue several times. Today I hand the chance to speak with XXXX in Dispute Department he is apart of XXXX XXXX.With XXXX XXXX and XXXX XXXX  XXXX. They refuse to remove these accounts form my credit report. I am requesting them removed because they were transfer without my knowledge and reporting twice. These accounts no longer belong to me. I am asking for them to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX ( XXXX ) XXXX
Consumer complaint received 2022-02-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (PA)

Someone opened up an account using my name and social security number And then transferred money using XXXX to another person. Opened the account on XX/XX/2021 and then on XX/XX/2021 sent several electronic payments equaling {$210.00}. I received a statement from a collections company from the bank to settle the account balance, so I then went to the bank and reported it.
Consumer complaint received 2022-02-28
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC (FL)

XXXX was notified of fair reporting act, Spring Oaks Capital LLC continue to park this old debt on my credit report, sabotaging the credit score on various occasions, the debt is to old to be on the credit report, and disputed this twice with XXXX. This debt was closed XX/XX/2014, reopening on different collection agency.
Consumer complaint received 2022-02-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (IL)

Good morning I recently took out a loan with American First Finance XX/XX/XXXX of XXXX I purchased a refrigerator the refrigerator was {$1600.00} they give you 101 days to pay it off with no interest or fees after that they tell you that you know the price will be higher yesterday XX/XX/XXXX I called them because I looked at my credit report and I wanted to try to pay off the loan my credit report only shows that I owe {$1300.00} so this is what Im looking to call to pay them once I talk to representative XXXX he made me aware that I still owe {$4500.00} I told him that is not what my credit report says and I told him I went online to try to find my contract and it wasnt available because they never sent it to me so he Then forwarded me the contract to my email so it shows that if I dont pay off the loan it goes up to {$6600.00} which Ive already paid {$1700.00} I told him I dont remember signing anything that says Im willing to pay something that high I asked him whats the interest rate on that and I think that its illegal to charge someone at least six times what they borrow and he said that its not .he then said the settlement offer would be {$3200.00} I still told him that price was ridiculous he dropped it to XXXX I asked him to just let me pay what it says I owe on my credit report which was the {$1300.00} he said no the lowest that theyll go is XXXX I then said at least drop it to XXXX I will pay that he said no I asked for a supervisor the supervisor XXXX agree to XXXX I still feel like this is unfair so I told them let me contact some people to see if this was fair that they were charging this amount and I will get back to them they gave me 30 days to except a settlement of XXXX I need help finding out is this fair and are they able to charge people ridiculous prices like this I honestly dont remember signing that I would pay this large amount but they sent me the contract so I guess Im stuck unless you could tell me otherwise
Consumer complaint received 2022-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (HI)

Since NATIONAL CREDIT ADJUST has posted a debt I have no idea about on my credit report, I have disputed them and asked for proof of verification of my signature and such and they have done no such thing. They lie and instantly " VERIFY '' the accounts are in fact mine with the credit bureaus. I do NOT owe them a dime. I do NOT CARE if they are " Debt Collectors '' and think they can bully me into something I didn't do as I was in jail when this supposedly happened. I've told them my ex fiance put a lot of bills and debts in my name without me knowing and it's coming back to haunt me. They also do not respond to requests for proof of signature and incorrect opened date. PLEASE Reprimand them
Consumer complaint received 2022-02-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First National Collection Bureau, Inc. (FL)

on XXXX XXXX i recived a phone call and aletter in the mail by a debt collector name of : in regards of a collection that i never have no information about this accounts they are claiming .i do not have any attention on paying this company not a pennies am refusing to pay them.they have herassed me by calling me phone none stop repeatedly.they have violated my rights under fdcpa see15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called XXXX.15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except i will not pay this company, if they try to contact contact me again i will file a civil law sue..
Consumer complaint received 2022-02-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (HI)

Since SUNRISE CREDIT SERVICE has posted a debt I have no idea about on my credit report, I have disputed them and asked for proof of verification of my signature and such and they have done no such thing. They lie and instantly " VERIFY '' the accounts are in fact mine with the credit bureaus. I do NOT owe them a dime. I do NOT CARE if they are " Debt Collectors '' and think they can XXXX me into something I didn't do as I was in XXXX when this supposedly happened. I've told them my ex fiance put a lot of bills and debts in my name without me knowing and it's coming back to haunt me. has posted a debt I have no idea about on my credit report, I have disputed them and asked for proof of verification of my signature and such and they have done no such thing. They lie and instantly " VERIFY '' the accounts are in fact mine with the credit bureaus. I do NOT owe them a dime. I do NOT CARE if they are " Debt Collectors '' and think they can XXXX me into something I didn't do as I was in XXXXl when this supposedly happened. I've told them my ex fiance put a lot of bills and debts in my name without me knowing and it's coming back to haunt me. They also said the debts are open as of XX/XX/2022 which is complete XXXX!
Consumer complaint received 2022-02-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (FL)

On XX/XX/2022, I authorized a check payment in the amount of {$6500.00} to Radius Global Solutions. 

All other checks processed for payment cleared my account without any problems. 

On XX/XX/2022 XXXX XXXX I received an email from Radius Global Solutions claim. 


On XX/XX/2022, XXXX XXXX of Radius Global Solutions claimed on XX/XX/2022, the " payment posted '' but the " check was returned due to insufficient funds. '' This is factually incorrect. The reason I paid my balance in FULL was because there were sufficient funds in my account and remain sufficient funds in my account. All other authorized check payments cleared my account EXCEPT Radius Global Solutions. 
XXXX XXXX denied there was a delay. XXXX claimed he did not know if there would be " enough '' to for me to cover the debt. I responded that he was making inappropriate considerations. XXXX XXXX is not my financial advisor. I am the customer, I paid the debt in FULL. The business need not be concerned about my " ability to pay '' as the debt was paid in FULL with the expectation the business would complete their end of the transaction without ANY delays. XXXXXXXX XXXX  statement indicates he is acting outside the scope of his duties. My financial abilities should be of no concern to Radius Global Solution as my payment was made in FULL on XX/XX/2022. 
I informed Radius Global Solutions that I will be contacting XXXX XXXX bank about their business practices. 

I request an inquiry into the severe delay in processing my payment as it is now XX/XX/2022. 

Attachments ( 1 ) Radius Global Solutions Email to Customer
Consumer complaint received 2022-02-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (FL)

XX/XX/22 - Received a letter from Credit Management , LP to collect an alleged debt of {$260.00} for XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX under File number XXXX but this is not my debt and now my credit is negatively impacted by this false claim.
Consumer complaint received 2017-08-31
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. (MO)

After recently pulling a copy of my credit report I notice that the credit bureau is reporting an account from family support division on my credit report in which I disagree that this account belong to me I believe that this could be a mixed file with my son who has the exact same name as myself. I disputed this account declining any automated response or XXXX verification in which is unacceptable. I demand that they disclose to me all of the recorded documents retained in their file as of today 's date. Under the Fair Credit Reporting Act 15 U.S.C. 1681g. Not only did they ignore my request but they responded saying verified and refused to send me copies of any physical documents. When I called they informed me they are not required to which is false information and they have refused to remove this account. Unless irrefutably proven, physically to be fully metro 2 compliant and current, true, correct.completely timely, mine, of my responsibility or else  mandateoper reporting laws of my state and or federally absolutely no adverse derogatory allegations can be lawfully retained much less legally reported as such. This account remains unproven, noncompliant and or unverified.
Consumer complaint received 2022-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America account XXXX XXXX XX/XX/XXXX in the amount of XXXX. XXXX XXXX XXXX XXXXXXXX amount that must not be held from the consumer is XXXX. At the time I didn't know this but ; a XXXX check was issued by Bank of America and mailed to the wrong address, an old address I no longer have access to, on XX/XX/XXXX. Check arrives to wrong address on XX/XX/XXXX. 

On XX/XX/XXXX, I'm notified by BoA via paperless letter about the levy. THIS document had my correct mailing address on it ( I'm attaching it ). 

In between XX/XX/XXXX and XX/XX/XXXX I learn that there is a minimum the consumer must not have frozen from them. 

On XX/XX/XXXX, trying to track down the possible mailing of a check, not knowing how to get it, I call Bank of America customer service and discover that this has happened, when speaking with the BoA legal order team. There was no other notification that a check existed other than the check itself. 

The legal order team told me I had to wait 90 days from that point, for a new check to be issued. ( I'm unemployed and no longer collecting unemployment ) I need access to the XXXX and should not have to wait another 90 days, and be left with XXXX dollars until then. 

The check that was mailed has not been cashed/deposited, according to the BoA customer service XXXX I called customer service again on XX/XX/XXXX, and that check has still been deposited/cashed by no one.
Consumer complaint received 2022-02-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FIRST HORIZON BANK (TN)

XXXX XXXX XXXX  allows people to cash checks when the person on id dosent match the person present ( if they even ask for ID ) { XXXX XXXX, XXXX, Tn }. They even let people cash checks without a bank account. I closed my account XX/XX/21, they are still cashing checks with my name on it. 

XXXX XXXX  allows people to accept loans when that person is not enrolled for that current semester. Then when I try to apply for class, I am told my credits exceeds the amount of finacial aid given, my pale grant will not cover the classes. in the meanwhile collecting student loan debt for semesters i am not enrolled. 

I have outstanding student loan debt from University of XXXX and i have never attended that college.They also allow people to accept loans when they are not enrolled in the current semester. 

XXXX XXXX XXXX  cashes these checks. Espesically the one in XXXX and XXXX.
Consumer complaint received 2022-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

While I have enjoyed a great relationship with Bank of America ( and it goes back to XXXX Nations Bank ) and having the majority of all finances with them since approximately XXXX I have recently had some problematic issues with the credit card - XXXX XXXX XXXX XXXX. 

Unfortunately Bank of America closed this card at the end of XX/XX/XXXX and now I am astonished that Bank of America is reporting me as late multiple times on my credit for this account. 

I did first notice that my auto payment in XXXX was returned and this was the first occurrence since the account opened in XXXX. This was confusing as I was under the impression from when this account was set up as I filled out paperwork and provided a wet signature for the monthly minimum payment to be pulled via ach. At this time ( XXXX ) Bank of America informed that this auto payment would be pulled via ach and thus the automatic payment would be attempted up to three times. I discovered after this XX/XX/XXXX auto payment was returned that this is NOT the case and this payment was attempted only once. 

This situation occurred again in XXXX ( XX/XX/XXXX ) and I immediately posted a payment to this account and requested that the statement date be set up for later in the month ( sometime XXXX or after ). Since the staff member took my payment over the phone she offered me dates and I choose toward the end of each month. I remember choosing around the XXXX of the each month as my new statement date. It is extremely important that this payment is not attempted on XXXX of each month. I was told that this statement date change may not occur during XXXX but should occur starting in XXXX. XXXX payment went through fine. 

Unfortunately this change in statement date never occurred and this bank is still attempting this auto payment on XXXX of each month. ( This statement date change still needs to take place ). 

I have spent significant time during XXXX, XXXX, XXXX and now XXXX on getting manual payments over, changing the statement date, attempting to get the card open again and now this/these 30 day late marks. 

For all reasons above and since I set up this statement date change in early XXXX ( and immediately made a payment at this time ) my goal and need is to have this/these 30 day late marks removed. i have put forth significant effort on this matter, originally set up the ach minimum payment to prevent this situation ( it was supposed to attempt up to 3 times ), requested ( and thought I received ) a statement date for a later day each month during XXXX, and have made all payments to bring this account current. 

In addition to all of the above I am also a single father and this situation has caused and will continue to cause serious financial injury to me if it stays as is. 

I would greatly appreciate all of your assistance in this matter.