davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-21
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Dynamic Recovery Solutions, LLC (CA)

This ( {$90000.00} ) XXXX XXXX XXXX Credit card ( ending in XXXX ) debt of more than ( 6+ ) years having no dialogue and or activity has been passed on over and over to numerous collection agencies and has now been passed onto the most recent collection company by the name DYNAMIC RECOVERY SOLUTIONS ( their account # XXXX ) located at XXXX, XXXX. XXXX ( XXXX ) XXXX. 

Conclusion : Because of the expiration of the statute of limitations to legally collect in XXXX ( 4 years ), I 'm asking Dynamic Recovery Solutions to remove this debt from my XXXX credit reporting agency and or other agencies and issue me documentation on my behalf that this time barred statue can not be legally collected any longer because of the non activity of over ( 6+ ) years and because of the expiration of the statue of limitations for the ability to collect.
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have disputed medical accounts collections information, late payments reported by  XXXX  and an account from the University  XXXX   XXXX  that is not mine with no corrections.   My score went from being  XXXX  to  XXXX  within a couple of weeks with no changes to my Transunion credit report. When I called customer service they said it was because  my medical collections up dated which my understanding is the collectors can not update dates when I have not made any payments and nothing has changed on the collection accounts. However somehow they are able to report new dates and make the accounts appear to be new. I have late payments with  XXXX  which are not correct because I was only s ent one paym ent to pay and I was not made aware of a {$25.00} payment. I applied for income based payment plan and was just told to make  one p ayment and was never explained that my direct loan was a separate payment.  The U niversity  XXXX   XXXX  is reporting a charge off fr om 2001 th at is not mine and they have not communicated with me how this is my debt.
Consumer complaint received 2016-02-15
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: FCI Lender Services Inc. (FL)

I got a heloc loan with XXXX XXXX XXXX XXXX 2006 .. the loan was transfered to XXXX XXXX XXXX ..XXXX XXXX had pmi insurance on the heloc ..the loan went into default and was transfered to XXXX XXXX XXXX XXXX, XXXX . there I spoke to a representative there who told me that the loan was paid in full by XXXX XXXX XXXX. now a company call FCI lender Services inc XXXX XXXX XXXX XXXX Ca XXXX is threatening to foreclose on my property. my concern is if the loan was paid in full by XXXX XXXX XXXX with pmi insurance how can this debt be collected on again.. and can they foreclose on my property..?
Consumer complaint received 2016-06-12
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

While making dinner on XXXX XXXX 2016, I received a call from BOA reguarding a credit card in my husbands name that we owe on. However when I told the young man that I did not have a job and that my husband was XXXX currently, he kept trying to get me to make a payment after no avail of trying to be able to call back when i found a job and could make a payment I decided to hang up. Then this young man called me back after I hung up on him. First call was at XXXX and lasted around 8.5 mins. The young man called me back again at XXXX, I had raw meat on my hands at this time and could not answer so it ended up going to Voice Mail, where the young man did not leave a message.
Consumer complaint received 2016-09-27
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

A Notice of Default and Election to Sell has been recorded with the XXXX XXXX County Recorders Office on XXXX XXXX, 2016 in error violating RESPA enforced by Regulations X and Z and the California Homeowners Bill of Rights.
Consumer complaint received 2015-05-05
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Southwest Credit Systems, L.P. (TX)

I will be attaching my last dispute to communicate best with you what 's going on. However, my main issue is with the XXXX Texas Tolltag Authority. My main XXXX complaints are 1 ) The fees they charge ( {$25.00} per invoice ) are incredibly exhorbatant and 2 ) Their billing makes no sense. They retroactively send invoices for 3+ years in the past with {$25.00} fees attached, having never sent invoices prior, then refuse to remove the fees. I recently received a bill for the first time for {$120.00}, for only {$21.00} worth of actual tolls, from XX/XX/XXXX, having never seen it. Please read the attached dispute to more accurately get a sense of the lengths I have gone to get verification on my debt. My main concern is that there is absolutely no governing body that makes sure the NTTA is within any type of fair billing practices. There is no one to go to when you dispute the charges. They hold you hostage for as long as they like with bills from the past and then if you do n't pay it, threaten with arrest. I have spoken with lawyers who refuse to take my case because " there is no point in fighting with the NTTA. '' I have spoken with so many people who have the same issue but have no where to turn. Someone has to be there for us, to impose some type of rules on them. Their billing has to make more sense, there has to be some type of rules that govern how they can collect and how far back they can go. I just do n't understand how this entity gets away with this and no one questions them. I have paid over {$2500.00} to them for tolls and received another packet for {$12000.00}, only {$1000.00} of it is for tolls. FROM AS FAR BACK AS XX/XX/XXXX! Someone please has to help us Texans, it 's ridiculous.
Consumer complaint received 2020-11-02
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

On XX/XX/2020, I attempted a Cash Withdrawal from an ATM Machine and it DID NOT dispense my Funds. I then used the 2nd ATM at same location and got my money. The {$200.00} that was not dispensed was deducted from my Debit Card. I called the Owner of the ATM machine to file a complaint. I was told I had to Call the Card Issuer to file a complaint and I did so on XX/XX/2020. The Card Issuer failed to submit an EFT dispute to the Terminal Owners and on XX/XX/2020 sent a letter to me stating the claim had been closed due to suspicious activity. I called the Issuer Fraud Dept and was told the Claim was closed in Error and it would be reopened. That was XX/XX/2020. The Claims Dept keeps you on hold for 2-3 hours at a time and I have called numerous times and get a run around. I have checked with the ATM owners and they still have no request from Card Issuer to audit the Terminal.
Consumer complaint received 2016-10-04
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had deposited a settlement check from my attorney in the amount of {$11000.00} to my BofA checking account through an ATM machine at the branch. I had never deposited any bad check with BofA ever. However, they had held the funds and would not release it while I contacted them many times requested that they release partial funds so that I can meet up my bills because they 're due. Unfortunately, they came up with all kind of excused that they could n't get hold to verify with the branch. After hours of waiting on the phone, they still wo n't do anything about it. I then requested to provide me a number so that my law firm can contact and help resolve any issue they might have had and as a result they wo n't talk to him and was not helpful at all. I explained to them that the check payable to me was from a client trust account and there should be funds available. I requested that they release some funds so I can pay my bills otherwise I will get charge the late fees. Unfortunately, they would not do anything at all. This makes me very upset and there 's nothing I can do about when my bills are due and the funds available to me are being held. It is unjustifiable and unfair to me.
Consumer complaint received 2020-11-02
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (IN)

I filed a dispute XX/XX/XXXX it was filed with the eppi card holders on XX/XX/XXXX. But the dispute that was entered in was not the dispute I sent in. There was other things in the dispute that was not in the paperwork I sent. I had received a paper from the fraud service department and they stated that I had submitted {$1400.00} in disputes but my dispute amounts should have been {$2200.00} in total. I then reached out to the company and explain to them that this was not right I requested the papers that were used in deciding whether or not it was fraud. My dispute was never put into investigation on this call. Since I have not heard back I called again XX/XX/XXXX and put the file back into escalation. *2nd time* i was told it only takes 3 to 5 days. I called back AGAIN XX/XX/XXXX and my investigation hadn't been looked at yet so we placed it again into escalation. *3rd time* I called back today and still the same thing. Please just wait..
Consumer complaint received 2015-12-08
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I had a home equity line of credit with Bank of America that is still showing as open after XXXX and a half years since my last payment. it then went to charge off status, but still shows as open. It should fall off my credit profile in the next couple of months. I have disputed this info with XXXX and B of A several times and they keep pointing the finger at eachother
Consumer complaint received 2020-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (CA)

My name is XXXX XXXX XXXX I have emailed Santander Consumer USA for a closed account on my credit report I have not received a response back to resolve the problem I truly want to fix this problem I am experiencing I have lost everything due to this matter please feel free to email me. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-04-28
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Back in 2014 I cashed Savings Bonds for my daughter at XXXX different banks- Bank of America and XXXX ( I have accounts with both of them ). They both reported interest earned to IRS. NOW, as an unemployed and XXXX XXXX XXXX, Financial Aid demands that I furnish a document of these interests earned ( XXXX, box XXXX ) but because I only received the summary for filing purposes, I had to contact both banks for a detailed XXXX showing the interests earned was from the savings bonds, NOT interested earned on savings. I had NO problems with XXXX, they sent me a detailed XXXX report showing that the interest earned was from savings bonds and I received it within FEW DAYS. Bank of America never responded to my request so I called the bank again and submitted a second request. AGAIN, NOTHING. One rep called me asking me for more information but he found out that I was using a relay service, he refused to talk to me!!! I had to call and speak to a different rep then subsequently with his manager then the manager did some researching and found what I needed THEN RE-SUBMITTED MY REQUEST AGAIN to the tax department which would take ANOTHER TEN DAYS!!! I 've ALREADY waited TWO WEEKS for it!
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (SC)

I have submitted a previous request regarding the public record on my Equifax credit report to please be removed. The tax lien has been satisfied and I 've submitted documents showing this but Equifax is still refusing to remove it from my report saying that it is listed as " released. '' I am trying to get a house for my children and myself and this public record is hindering me from doing so because it 's reporting as *derogatory '' on my report. I have submitted the satisfactory document to the other credit bureaus and they have deleted this from my report with no problem. I am in desperate need to have this deleted from my report and I am in desperate need of a place to stay!
Consumer complaint received 2024-05-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

First an individual knew my bank ( which is USAA ) and this same person knew what I do on XXXX back in XXXX XXXX. ( Reason I am doing this now because of that big scam I found in the news against USAA this year XXXX ). So I would go on XXXX and watch an investor XXXX XXXX of XXXX XXXX XXXX This fake XXXX XXXX convinced me to do screen share so this fake XXXX can do two separate wire transfers for a total of {$12000.00}. 
This is the scammer s number they contacted /text with me : XXXX XXXX Please help me get my money back.
Consumer complaint received 2022-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that these information are 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or UPDATE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$260.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}.
Consumer complaint received 2016-09-26
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: TD BANK US HOLDING COMPANY (NY)

I received a letter dated XXXX/XXXX/2016 stating that my Target red card had been closed due to too many returned payments I immediately called target red card customer service to see what had occurred because I have n't had this issue before they then stated that this had also occurred back in XXXX because my checking account was closed and or frozen I stated that it wasnt and that i hadnt had any similar problems like this with any of my other creditors he then conferenced called my financial institution which they confirmed that my account was n't closed nor frozen but in fact the issue which was causing them to receive that error code thus subsequently returning payments was because my checking account did n't have check writing capabilities which they were initiating payments as a check and could only be used to make payments using the debit option I asked for my account to be reopened but the customer service agent was n't willing to help with that request
Consumer complaint received 2021-06-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (MN)

On XX/XX/XXXX, {$190.00} was taken from my bank account by PayPal. They claimed that the charge was an authorized recurring charge to pay XXXX and the App Store. I contacted XXXX and the App Store, but there was no such recurring charge and they did not receive the funds. PayPal support just closed the case claiming that I had authorized the charge.
Consumer complaint received 2016-04-02
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Law Offices of Timothy E. Baxter & Associates, P.C. (MI)

I was garnisheed by Timothy E. Baxter & Associates for a balance of {$150.00} and I never received a notice that I was being garnisheed until after the money was taken from my savings account with my credit union when they sent me the notice. I never even knew this debt still existed until I was garnisheed by Timothy E. Baxter & Associates. The notice that they sent to my credit union was supposed to be received by me within 7 days of filing and I did n't receive the notice until today which is XXXX XXXX, 2016. I never received any communication about this debt until I was garnisheed i.e. the only communication I received was from my credit union after I was garnisheed.
Consumer complaint received 2020-11-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cascade Capital, LLC (FL)

XX/XX/XXXX I settled a medical debt with XXXX XXXX for service that was rendered XX/XX/XXXX. 

Today, I spoke to XXXX XXXX from XXXX XXXX who told me I owed another bill from the same creditor but with a different amount and account number. This is the first time I've heard about this new account.
Consumer complaint received 2017-08-09
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CENTENNIAL LENDING GROUP LLC (PA)

I was approved through Centennial Lending Group LLC. for a XXXX loan and the branch manager had told me I was good to go on multiple occasions. Gave me a pre-approval letter and said I was good with their underwriting system to make an offer on my house. Which they knew I was on a time crunch for due to having my current house already sold. A few weeks into the process after already being under contract, they come back and said we are no longer qualified due to the fact of my income to debt ratio. Which is something they knew up front and if they would have looked at since they had my credit report since day 1. The only thing they said was sorry, my fault. Then they told me on 2 different occasions after that I was good to go for a FHA and conventional loan. Then come back a couple days later and say no I am no longer good. I talked to the owner of the company and she said that it was not their fault that they messed up. Their multi-week mistake left me with a house that sold and no longer a house to move into. This is a LOT of XXXX for a XXXX vet to have to deal with on top of all the other issues they have to deal with as well. This company took zero responsibility and did not do anything to try and make anything right.
Consumer complaint received 2022-02-11
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)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT EXPERIAN, XXXX, AND XXXX are doing identity theft on my personal credit report by being deceptive. Fraud is deceptive. Deception means you are giving an appearance on something that is misleading. According to the FCRA, 15 USC 1692e, you can not use any deceptive/misleading representation. These practices can not be utilized on my credit report for PRIVACY. It is DECEPTIVE, because Experian, XXXX, and XXXX are telling my private information to the public people without my consent. I have private information being publicized. A consumer reporting agency can not furnish anything unless it was initiated by the consumer, which is myself. Which I never authorized them, resulting in deception! 15 USC 1681b ( c ) ( 3 ), 15 USC 1681d ( 1 ), 15 USC 1681m ( d ) ( 1 ) ( D ) the consumer has a right to prohibit information contained in the consumers file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer ;, 15 USC 6802 ( e ) ( 2 ) go in further detail of how I've been deceived. These accounts are deceptive, they are breaking my privacy rights and need to be removed! Not just that, but they are reporting inaccuracies throughout my consumer profile!! According to the FCRA, everything has to be reported accurately. 15 U.S.C. 1681i 55 ( e ) Treatment of Complaints and Report to Congress ( 1 ) In general. The Bureau shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 603 ( p ) contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) ; and ( B ) transmit each such complaint to each consumer reporting agency involved. These accounts are deceptive and inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-18
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)

have ftc on file and police report account XXXX for XXXX $ from XXXX XXXX XXXX in this account was removed and should have been blocked all three credit buearu are reporting this account as a collection this was removed found unverifiable over 2 years ago havent recieved any letter saying this account was being reinstated please remove