davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Since XXXX of the options is a payment deferment, I requested that option. 

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Last XXXX digits SSN : XXXX I called on XX/XX/2024 and spoke with Account XXXX XXXX. XXXX said she updated my financials and sent the request. 

XXXX also stated I was not eligible to extend the foreberance any further since it had already been XXXX  months. 

On XX/XX/2024 I called back and spoke to Account XXXX XXXX who stated No request was received and I needed to update the financials again? This is horrible customer service. She also stated that Bank of America only offers loan modifications, albeit I received a letter from Bank of America stating a payment deferral is an option. 

At this point, it appears there are inconsistencies throughout Bank of America. 

First financials were updated with XXXX then XXXX says your records show nothing updated and I would need to start all over again.
Consumer complaint received 2020-10-27
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2020 I sent via certified return receipt mail ( attached ) data that included each the creditors request to remove fraudulent inquires off my Experian Credit File specifically that of XXXX Cards XXXX of XX/XX/2020 the next being XXXX of XX/XX/2020 and the remaining being that of XXXX XXXX of XX/XX/2020 since this date I have sent multiple disputes requesting the removal Of these fraudulent erroneous inquires., They Experian Credit Bureau have purposely and repeatedly ignored and failed to respond within thirty days of receipt of my request even though the individual letters from the creditors were attached thereto., In addition but not limited to, my XXXX  XXXX XXXX XXXX  changed my status to Paid As Agreed Back on XX/XX/2020 and it had been recorded and reported on my XXXX XXXX Credit File XXXX Also My XXXX  File as Paid As Agreed but my Experian File has failed to report the new status provided to them via XXXX XXXX XXXX XXXX , in no way am I disputing the account via XXXX XXXX XXXX XXXX , but I am addressing Experians lack thereof of not reporting what was provided to them as Paid As Agreed without the previously paid thirty days late portion., Experian has continually and continuously failed to respond via My Consumer / FCRA RIghts., It is my wish to first contact you and then seek out the professional services of my attorney to sue them for Willful Violation of My Consumer Rights., Please be advised that I am sending a copy of this dispute to XXXX XXXX XXXX XXXX  to verify in no way am I disputing this with them but rather the way in which Experian has been provided the new data back on XX/XX/2020 to my payment status to Paid As Agreed with the deleted previously paid 30 days late portion thereof
Consumer complaint received 2022-04-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (MO)

In XXXX of this year, PNC closed all XXXX of my accounts without my consent. I never received any correspondence notifying me of the actions taken on my account. 
The first time I contacted them on XX/XX/XXXX, I received conflicting information about my accounts. First, I was told that my online banking was turned off and then later I was told a hold had been placed on my account. Subsequently, I went to the branch location to attempt to resolve this matter and I was advised that my accounts were closed and that I should receive a check for all the funds within 30 days. 
In XXXX, I received correspondence notifying me that I had been granted full access to my accounts. After receiving this advisement, I went to the branch on XX/XX/XXXX to attempt to retrieve the funds because I had yet to receive the funds within the advised 30-day period but I was unsuccessful because of the hold that still remained on my account. 
I contacted PNC by phone again on the same day and I was advised the letter notifying that I had been granted access to my accounts was erroneously sent and the hold was still placed on my account with no close end-date. 
I have been told that a case had been created on XX/XX/XXXX to escalate my banking concerns and that I should hear from a manager within 1-2 business. No one made contact with me so I went to the bank branch on XX/XX/XXXX to alert them I would be filing a CFPB complaint if I had not received a check for the funds or the check number and tracking info by XX/XX/2022. They filed and scanned the letter I gave them to my online file. 
My case was then assigned to XXXX XXXX in the XXXX XXXX department. She attempted to contact once by phone and email on XX/XX/XXXX. I called her back 3 days in a row, left a voicemail, and she didnt return my call. 
Every time I called to attempt to get in touch with XXXX XXXX I was connected to a completely different department and on XX/XX/XXXX was told a different person named XXXX XXXX would have to get back in touch with me who had made no contact before. 
XXXX XXXX contacted me on XX/XX/XXXX and asked me what my issue was as he was unaware and said he would call me back with an update. I have received no call back from anyone within PNC Bank or the branch.
Consumer complaint received 2021-12-04
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: EQUIFAX, INC. (DC)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Adjustment Company Incorporated (IL)

The debt owed to XXXX XXXX XXXX was settled on XX/XX/23, over a year ago, through XXXX. However, a year later, CONSUMER ADJUSTMENT COMPANY, INC, a different debt collection agency, has erroneously attempted to collect the same debt. Their actions have negatively impacted my credit by falsely reporting the already resolved debt, resulting in a drop in my credit score, loan denials, and higher interest rates. Despite informing them in advance that the debt was paid, they persisted in their collection efforts. I am now seeking compensation for the damages caused by their actions.
Consumer complaint received 2021-05-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (TX)

On XX/XX/XXXX I invested {$25000.00} in 4 cryptos using the Coinbase platform. On XX/XX/XXXX my account was frozen. I filed several requests to have my account restored. They wanted verification of ID using a camera. Their camera was so unstable I was unable to successfully get a pic. I informed them of this and asked for an alternative ID process. They kept insisting on the pic. Finally, on XX/XX/XXXX a friend helped me get the pic. The ID was accepted on XX/XX/XXXX and my account restored for 3 of the cryptos which I immediately transferred off the platform which incurred a fee. The 4th crypto was XXXX which was under SEC investigation. They froze that crypto on XX/XX/XXXX without allowing investors to sell, trade or transfer it. No notice. So I still have {$5000.00} in XXXX frozen resulting in loss of $ XXXX that I could have sold the XXXX in this period. 
Given the volatility of cryptos, denying me access to my crypto for 8.5 months has cost me over {$100000.00}. I believe Coinbase 's actions were illegal, without conscience and fraudulent given they advertised I could trade on their platform. 
Reasonable compensation would be {$100000.00} and freeing my XXXX to be transferred. At best, they have been heavy handed and unresponsive. They should have never been allowed on the stock exchange.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I went to the XXXX XXXX XXXX  official website. I checked to receive all three reports. 
On my second try, I finally was able to get the TransUnion Credit Report. Two pages were difficult to print as it appeared on the site. On XX/XX/2024, I went back to the website and tried to print the other XXXX reports, but the site kept coming up errors. It is not clear on the site how to get your credit scores. It is very confusing. The bottomline is that the bureaus need to just give consumers their scores FOR FREE TOO with this annual reporting. Now, after your initial request for a XXXXmonths report later in the year, perhaps consumers can pay a fee for the credit scores, but this process needs to be simple! We are lured into getting some ACCOUNT for credit checking and that is unnecessary! Stop the usury and exploitation! Just add a button on your website to purchase ALL three scores at once for a reasonable fee and stop holding us hostage with these monitoring accounts.
Consumer complaint received 2022-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (IL)

An account under " XXXX XXXX XXXX '' appeared on my credit report. To my knowledge I have received no correspondance from this company. I'm unaware of any debt in this amount and have received no information regarding the supposed debt. I would like this removed from my report until I have been properly contacted and notified of the debt. 

No contract, bill, statement or any such " communication '' has been sent on behalf of this debtor what so ever. I would like this erroneous information removed from my report, as it's hindering to my purchasing power and future credit opportunities.
Consumer complaint received 2022-04-28
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. (CA)

GFPB WRITTEnUPo : You In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the The right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under ar open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/2021, I entered into and investment contract with " XXXX XXXX  '' ( the " Company '' ), to transfer {$120000.00} USD. Entering the online trading sphere comes with many hopes but due to Company 's shady activities and dealings, I lost my money within a very short period of time. I advised Bank of America of this fact on XX/XX/2021 and have not received any satisfactory response so far. Bank of America could have protected me from this. Unlike me, the bank knows about the existence of such scams and how they prey on vulnerable victims like myself, taking advantage of lack of knowledge, awareness, and circumstance. Despite the irregularities in my spending and such untypical patterns, not a single contact was made by Bank of America to contact me regarding my transactions. The treatment from Bank of America is compounded by trauma and anxiety and has left me in the awful situation I now find myself in.
Consumer complaint received 2021-12-04
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: LEXISNEXIS (MS)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681 623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA, I don't have contractual relationship with this company. I don't recognize this Public Record. Please provide me the name and address of the original creditor.. Reference Number : XXXX 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( 3 ) Certain public record information Except as otherwise provided insection 1681k of this title, aconsumer reporting agencyshall not furnish aninvestigative consumer reportthat includes information that is a matter of publicrecordand that relates to an arrest, indictment, conviction, civil judicial action, tax lien, or outstanding judgment, unless the agency has verified the accuracy of the information during the 30-day period ending on the date on which the report is furnished Please correct and update it from my credit report. It is completely a violation in accordance with the FCRA that sates : the ACCOUNT MUST BE COMPLETE, ACCURATE AND VERIFIABLE. Please remove it from my credit In Mississippi, Contracts, oral or written, and Promissory Notes have a statute of limitations of 3 years ( MCA 75-3-118, 75-2-725, and 15-1-49 ). Please Follow the Law Of The State of Mississippi
Consumer complaint received 2019-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On the morning of XX/XX/2019, I deposited a check for $XXXX at Bank of America in XXXX, Florida. The check was issued by XXXX XXXX XXXX and drawn on an escrow account at XXXX. The payment were the proceeds of the sale of my residence. It was noted that the power was out in part of the Bank of America branch and the branch manager asked me to present the check in the external ATM.The receipt indicated the check was subject to a hold for as much as nine days. I called Bank of America and spoke with an individual indicating the check just came in and will possibly clear in two days. He suggested I call back after close of business on XX/XX/2019 regarding availability of funds. On XX/XX/2019, the check cleared XXXX XXXX XXXXs account and funds were made available to Bank of America. Despite funds being made available to Bank of America, they continued to hold the funds from my use.On XX/XX/2019, XX/XX/2019, and XX/XX/2019 I contacted the bank and received various conflicting stories as to the hold. Despite the check clearing the XXXX XXXX  account, Bank of America continue to hold the funds without a valid purpose.On XX/XX/2019, I contact Bank of America and advised the funds were held as Bank of America systems reflect numerous returned checks from the XXXX XXXX XXXX. I immediately contacted XXXX XXXX who denied any returned check and provided evidence that the subject check cleared their account on XX/XX/2019. Bank of America representatives indicated that the reason funds were held was based on "reasonable cause to doubt collectibility." However, this claim is fundamental flawed given the check had cleared and Bank of America had already received possession of the funds.The Expedited Funds Availability Act requires financial institutions to notify the consumer of the purpose of holding funds for an extended period. Given Bank of America's erroneous and possibly fraudulent allegation of cause to hold the check, Bank of America violated the check clearing regulations. They failed to pay interest on the erroneously held funds. Moreover, Bank of America deviated from FDIC rules C12 and C14, notifying me in writing for the purpose of the hold and failing to make part of the funds available.
Consumer complaint received 2022-10-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation (NE)

Selected Concern : TI Detailed Comments : You put a charge on my account for XXXX. I didn't go to XXXX XXXX on XX/XX/XXXX or XX/XX/XXXX. This is the third time I have tried to contact you. Please respond. 
I have sent the required forms. They forwarded to XXXX XXXX and are blaming them for charged. Contact had been made XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022. This is the same response over and over and I am still being forced to pay for services I never had. 

Dear XXXX XXXX, This email is in response to your recent inquiry. Our records indicate that we received your claim form and are awaiting a response from XXXX XXXX. Please contact our disputes department directly at XXXX for further assistance. 

Thank you for contacting Fortiva Customer Service. 

XXXX XXXX XXXX | XXXX, GA XXXX | XXXX | XXXX  -- -- -Original Message -- -- - From : XXXX Sent : XX/XX/2022 XXXX PM To : XXXX Subject : Customer Contact Request
Consumer complaint received 2022-04-28
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. (CA)

GFPB WRITTEnUPo : You In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the The right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under ar open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (FL)

I sent out a letter to all three credit bureaus to have the debt from Phoenix Financial Services, LLC to be verified. I do not know where the debt is from, and I understand i have the right to have any debt reported verified. I did receive this letter dated XX/XX/2021 from them stating the were unable to obtain the verification, and will remove it from the credit bureaus and from my credit report. I don't know where this debt is from, and how do I know it is mine?! However, it is still reporting, and till this day the debt has not been verified. I tried to follow up on this, and the only response I'm getting is from collection companies trying to get me to pay them. I don't know where this is from, and it it misleading. This is causing me so much XXXX, and XXXX. Please help me get this resolved. they said they couldn't validate the debt, so how can they still try to collect this debt. Please help me get them to stop trying to charge me something they cant verify is mine, and please help me get them to remove it from my credit as they stated they would. thank you so much!
Consumer complaint received 2024-04-02
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc. (CA)

This debt collector violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account, they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. 

I demand that this company remove my account from all three credit reporting agencies due to the violations. If they fail to do so, I will be compelled to escalate the matter to my litigation attorney. I have been advised that the company 's failure to indicate my account as " consumer disputes '' on my credit report constitutes a violation for which I am entitled to take legal action against them.
Consumer complaint received 2023-01-18
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: EQUIFAX, INC. (IL)

As of XX/XX/2022 they have been reporting my late payments for account XXXX XXXX XXXX  in the amount of {$640.00} for a total of 4 late payments reported the months of XXXX, XXXX, XXXX, and XXXX of 2022. 

As of XX/XX/2022 they have been reporting my late payments for account XXXX XXXX XXXX in the amount of {$940.00} for a total of 5 late payments reported the months of XXXX, XXXX, XXXX, XXXX and XXXX of 2022.
Consumer complaint received 2022-04-28
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 # XXXX ( XXXX  XXXX XXXX  ) Account # XXXX ( XXXX XXXX  ) Account # XXXX ( XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX XXXX ) The Accounts above Has violated my rights. 

15 U.S.C 1681 Section 602 A. States i have the right to privacy 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.