davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Merchants and Professional Bureau, Inc. (TX)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

We are a small company, with an account at Bank of America. Deposits and transfers are regularly transacted via this account. This week on XX/XX/XXXX we had a very disturbing incident. We deposited a check for {$45000.00} from one of our customers, at the Bank of America branch at XXXX XXXX XXXX XXXX XXXX XXXX, in XXXX, AZ. Almost immediately within the same day, we received an email from Bank of America saying : " Hold notice : We've placed a hold on one or more checks to help verify funds. Review the availability information and hold reason for details. 

Details XX/XX/XXXX at XXXX XXXX XXXX XXXX {$45000.00} We've placed a hold on your deposit because we have information indicating the check ( s ) may be returned. '' They have placed this check on hold for 7 days! This customer is a very reputable hospital and we have no reason to believe this check will need to be returned. We went back to the branch and requested an explanation. None was provided. We also called and emailed our account contact in Bank of America ( he's an Assistant Vice President, Small Business Banker ) to provide a reason for the hold. Our account is in good standing, and I also let him know this can potentially affect our payroll. 

Yesterday, XX/XX/XXXX, he called me and let me know he and his colleagues have looked into it and can't see an real explanation, but that he'll check again. 

Today, XX/XX/XXXX, he emailed to say he's not been provided any real update for the hold. I emailed him back and let him know that : - We should know exactly what the reason is so that we know not to do it again. If I don't know the reason I might get funds held again. 
- If there's actually no reason for holding the funds, then it shouldn't be held. 
- Neither he nor any of his associates know the reason for the hold, and I haven't received any email explanation from BofA for the funds hold, so I can safely assume there's no reason. 

I'm afraid the bank is holding funds for their interest-earning purposes, and this is highly unethical. This can affect many things for a small company, including payroll, payments to suppliers and other expenses. If a bank deviates from regular practise and suddenly holds a deposit, they should at least inform the account holder of the actual reason for a hold and the actual reason for the length of the hold. I find it highly suspicious that they know exactly how long it will take them to determine the check is actually safe and sound, that is, exactly 7 days of interest earned for Bank of America. Hold checks at random here and there from various accounts, and what nice interest that would earn. It would be interesting to know if this amount of {$45000.00} was actually cashed ( ie. deducted from our customer 's account ), as of XX/XX/XXXX, and where exactly it went before it hit our account 7 days later on XX/XX/XXXX.
Consumer complaint received 2023-06-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (LA)

This company had my account listed as in bankruptcy. I have since been trying to get someone to speak to me after multiple unsuccessful attempts over a few weeks I finally got someone to speak to me in reference to my account,. I contacted my old bankruptcy attorney to get proof that I was not I bankruptcy and that my home wasn't included. This company has been reporting my account late to the bureaus even though it has been paid on time. I was told by a representative that they were adding bankruptcy charges to my account and she processed to to be removed immediately. I was also advised that my monthly payments have been sitting in an unapplied funds account and not being credited to my account. I was told that due to the overpayment for the erroneous bankruptcy overages and charges to mortgage that my payment due for XXXX was {$170.00}. As it stands my account is standing 28 days past due even though my mortgage was paid on XX/XX/2023. Everyone I speak to advises they can see the notes and that the credit is to be applied to my account but nothing has be done and everyone says it will be done that day and it has been over a period of 3 weeks at this point. I have emailed the cashiering department since every representative states the issue is with them and nothing has occurred. I have requested to speak to a supervisor on several instances and was always told none was available. No one is wanting to rectify this situation and I have seemed to exhaust every option. I have been having issues with this account since BSI Financial has taken over and reporting my account as late to the bureaus.
Consumer complaint received 2022-04-10
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: ECMC GROUP, INC. (MD)

In 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 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason Constant opening and closing on the account.
Consumer complaint received 2022-09-27
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed. 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 hand written instructions.
Consumer complaint received 2018-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

We started using XXXX XXXX in XX/XX/XXXX. This Account was on both my husbands credit report and on my credit report. It has been taken off my husbands credit report but is still on my credit report. As of today XX/XX/XXXX it's still on my credit report. When XXXX XXXX sent them letters they responded Dispute Resolved / Consumer Disagrees. The company we are disputing is XXXX XXXX XXXX XXXX  XXXX, the Account is paid off. So why is this still on my credit report and has been taken off my husbands credit report? My name is XXXX XXXX XXXX XXXX and my husbands name is XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (MS)

I requested redemption of cash reward points from Wells Fargo valued at {$77.00}, They have documentation that says you can only redeem earned points at {$25.00} intervals so they only sent me {$75.00}. How this passes as ethical is beyond me. If I earned the points and they have a monetary value how is it ethical that they restrict redemption to an abitrary {$25.00} amount. How much money are they saving when customers cancel their cards or die and relatives cancel the cards? Granted the amounts lost would not exceed {$24.00} yet they say it was earned by the customer by using the Wells Fargo card who assigned the value of the points. If it is earned then it is owned by the individuals that earned it. What are the odds that you will ever have an exact {$25.00} increment when redeeming points? I contacted the company and they sent me the rules and when I tried to contact the " XXXX '' man and has not returned my call. This occurred around XX/XX/2021. It's a small amount of money that's involved, however this could reap thousands of dollars for Wells Fargo 's Rewards program over time at their customers expense.
Consumer complaint received 2022-10-12
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. (CO)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 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 data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2022-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

One credit bureaus saying account is closed which are split to multiple different accounts for student loans. XXXX  doesnt even have student loans listed. The fcra states that all accounts should be 100 % accurate. Ive tried multiple times to get them removed only to just get them updated on XXXX and experian. Also the dates are off and not same for date of first delinquent. These accounts are to be removed from credit immediately due to fair credit act thank you my credit has suffered drastically to the point I cant get housing I have trouble getting some employment due to information that is almost 8 years old.
Consumer complaint received 2020-01-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Adler Wallach & Associates, Inc. (CA)

AWA COLLECTIONS HAS BEEN TRYING TO COLLECT FOR DEBT WITHOUT PROOF OF OF THIS DEBT, HOW IT WAS CALCULATED OR ANY CONTRACT FOR THE SUPPOSED SERVICE, LIST OF SERVICE, ETC. 

THEY'RE DISREGARD FOR MY RIGHTS HAS CAUSED THE ERROR IN REPORTING WHICH HAS LOWERED MY QUALITY OF LIFE. 

THE AMOUNT THAT THEY ARE TRYING TO COLLECT IS {$2300.00} THAT THEY HAVE NOT EXPLAINED AND SHOULD BE DELETED.
Consumer complaint received 2022-10-12
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. (AZ)

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reported on my Credit Report : XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$630.00} ; XXXX XXXX XXXX Balance : {$1000.00}
Consumer complaint received 2022-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

One credit bureaus saying account is closed which are split to multiple different accounts for student loans. Transuion doesnt even have student loans listed. The fcra states that all accounts should be 100 % accurate. Ive tried multiple times to get them removed only to just get them updated on XXXX and experian. Also the dates are off and not same for date of first delinquent. These accounts are to be removed from credit immediately due to fair credit act thank you my credit has suffered drastically to the point I cant get housing I have trouble getting some employment due to information that is almost 8 years old.
Consumer complaint received 2022-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (IL)

This complaint is in response to complaint # XXXX. NATIONAL CREDIT SYSTEMS provided documentation in the complaint in regards to the XXXX XXXX XXXXXXXX XXXX XXXX. I am a private natural man and will be addressed as so and the documents they provided proved what my initial complaint was about which is they are a third party which means pursuant to 15 USC 1692c I never gave permission directly or indirectly for this third party to communicate with me. Pursuant to 15 USC 1692c I demand you cease all forms of communication including the CRA 's. Credit reporting is a form of communication orally, in writing, and electronically. The documents you provided also proves I have no contract with NATIONAL CREDIT SYSTEMS so this company indeed unlawfully have my private location information and credit card information. This company does not have my authorization to have that private information. They have no authority.
Consumer complaint received 2022-10-12
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. (OK)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights 15 U.S.C 1681section 602 A states I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 it also says a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This complaint is to follow up any response from you after the 30 days of investigation. As I revived my Credit file I have noticed that the account still is reporting as inaccurate and incomplete in information. I am once again request for another investigation to the account and send me the notification that the disputed account have been updated : XXXX : XXXX XXXX XXXX Balance Owed : {$260000.00} The presence of late payment history on this account is completely unfounded, as I strongly believe that I made all payments on time. I demand an immediate update to rectify this erroneous late payment record associated with the account. Your prompt attention to this matter is expected.=======TransUnion : XXXX XXXX XXXX XXXX XXXX : {$260000.00} The presence of late payment history on this account is completely unfounded, as I strongly believe that I made all payments on time. I demand an immediate update to rectify this erroneous late payment record associated with the account. Your prompt attention to this matter is expected.
Consumer complaint received 2022-04-10
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. (CA)

I have two student loans with XXXX formerly XXXX. I paid one loan off in XX/XX/XXXX. My credit reports show the account paid in full in XXXX. My credit reports were not updated in XXXX or XXXX with this Information. I filed a dispute in XXXX and my credit reports were updated to show paid in full and account closed. All of my payment history was removed. The next month XX/XX/XXXX I filed another dispute to have the account deleted from my credit reports but it was not updated. I called XXXX on Friday XX/XX/XXXX. I spoke to a woman who advised me to file a dispute with the credit Bureau. I told her I did and nothing happened. She advised that I write a letter to the credit division department of XXXX and ask to have the account deleted. She also told me that they delete accounts that are paid in full after 90 days. I told her that it's been over 90 days. She repeated herself and advised that I write to the credit division department of XXXX.
Consumer complaint received 2022-04-10
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 Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-09-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: SECURITY FINANCE CORP (TX)

I had just gotten out of the hospital and recieved a phone call from sunbelt credit who go through security finance and when I explained to them that I was able to make a payment because I had just gotten out of the hospital the woman on the phone XXXX who goes by XXXX started to cuss and yell at me.
Consumer complaint received 2018-07-11
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (CA)

Professional Bureau of collections account no.XXXX appeared for the 1st time on my XXXX credit bureau in mid to late XX/XX/2018.The original creditor had been paid 4 months before and said the collection was in error.XXXX today possess a letter from the original creditor saying the debt was paid and gave a contact number to verify.XXXX via phone call service to XXXX said they had received the document but hadn't yet ruled on the matter.I have attached here letters from the original creditor saying I do not owe the debt  and that debt was paid in XX/XX/2018.SO WHY IS THIS COLLECTION ACCT APPEARING ON MY XXXX REPORT IN LATE XX/XX/2018 AND WHY DIDN'T XXXX DELETE IT IMMMEDIATELY AFTER SPEAKING WITH ME TODAY. 
CFPB PLEASE PUT THESE COMPANIES ON YOUR WATCH LIST FOR LEGAL ACTION.THEY HAVE DESTROYED MY CREDIT WITHOUT THE RIGHT TO DO SO.
Consumer complaint received 2022-04-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (DE)

MY NAME IS XXXX XXXX PURSUANT 15 USC 3002 I AM A NATURAL PERSON MEANING MY ALL CAPS NAME ISNT ME BUT IS MY PROPERTY. THE COMPANY, CONVERGENT OUTSOURCING, PURCHASED AN ALLEGED DEBT FORM SOME OTHER COMPANY. I HAD NO INVOLVEMENT WITH THIS TRANSACTION. Whereas I believe them to be a debt buyer, Convergent outsourcing, must operate under the FDCPA. I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, that pertains to account XXXX. Failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy. Notice, it is a fact, affiant is the consumer, in fact and I, the affiant am legally refusing to pay this debt. I am demanding a cease and desist of all illegal activity, any communication and collection activity, including reporting which constitutes collection activity, of this and any alleged debts until you can provide me with the requested information in the affidavit herein.