davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

Your company have violated the provisions of section 605B, 623(a)(6), or 615(f),You have no proofs to offer to support a dispute, and thus your assertion in the form of a policyreport is being used to obtain blockage, not contest the accuracy of its reportingYou have refused to fallowed the credit reporting act 605bStating that you have reason to determine that you have made a misrepresentationof material fact relevant to the request to block; c) XXXX  has reason to determine that youobtained possession of goodsThe account and those inquired are fraudRespond As a victim of identity theft (meaning Identity theft is a crime in which an imposter obtains keypieces of personal information, such as Social Security or driver's license numbers, in order to impersonatesomeone else) I have provided relevant information about my Identity Theft Report. FCRA § 605B(b), 15U.S.C. § 1681c-2(b). Such notification by a CRA triggers two obligations for the furnisher. First, underFCRA section 623(a)(6)(A),you must not allowed the furnisher may not continue to report that informationto any CRA. FCRA § 623(a)(6)(A), 15 U.S.C. § 1681s- 2(a)(6)(A). Second, under FCRA section 615(f), itmay not sell or transfer that debt to anyone else who would try to collect it. FCRA § 615(f), 15 U.S.C. §1681m(f).As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. § 1681i, a copy of whichis enclosed, I am requesting that the item(s) be removed to correct the information. You have no way toascertain the legitimacy of my action without investigating the items in questionXXXX XXXX XXXX  ACC#XXXXXXXX XXXX XXXX ACC#XXXXXXXX XXXX XXXX ACC#XXXXXXXX XXXX XXXX ACC#XXXXXXXX, XXXX SOC SEC # XXXX
Consumer complaint received 2017-12-19
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ad Astra Recovery Services Inc (CA)

I had an old payday loan that was sent to Ad Astra Recovery Service Inc for the amount of {$200.00}. I am trying to improve my credit score and willing to pay the debt but I want a letter stating they will stop reporting altogether the account to the collection agencies after they receive payment. The customer service rep said he could only give me a letter showing paid. I was told that it will show paid from the current date which means it will stay on my credit from the current date and not the date it went delinquent, even though it shows paid it does not help your credit score. He said they can only send me a standard letter. I will pay the debt once I receive a letter stating that they will stop reporting the account to the credit bureaus, so I can that completely removed from my credit report.
Consumer complaint received 2021-05-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (TX)

I noticed on my credit report that this company added a collection debt on my 3 credit bureau credit reports. I sent them a debt validation letter within 30 days on XX/XX/2021. They have not gotten back to me and have not verified the debt. Due to this, the item must be removed from my credit reports immediately.
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

A company by the name of tower loan has been putting inquiries on my report for the past 3 years. They have contacted distant relatives threatening them, and harassing me. I have never filled out any loan requests for this company, and have never given them my personal information. There are three unauthorized inquires On my report dating all the way back to 2018. They send blank checks to my address, without me giving them my information. These inquiries on my report are illegal, and all three credit bureaus refuse to remove them, nor offer any assistance. This is going on 4 years with unauthorized access to my credit report, and even adding more fees to a fraudulent loan.
Consumer complaint received 2021-07-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd ()

1. My XXXX registered company is a paying customer of TransferWise Ltd. As part of its services to us, Transferwise has given us a bank account in the US with XXXX XXXX 
2. A customer of ours did a wire transfer of ~USDXXXX to our bank account on XXXX XXXX. This amount did not reach us. 
3. Our customer 's accounting section says that the funds have gone out from their bank account into the recipient bank account. 
4. This is an inbound transaction to our bank account via TransferWise. The funds are sitting inside Transferwise systems somewhere and they have failed to discharge their lawful duty in putting the funds into our bank account. 
5. On XXXX XXXX, I contacted TransferWise support with proof of the transaction asking them what's going on. 
6. Since then, TransferWise has been stonewalling and refusing to do anything, absolutely anything, citing " privacy issues ''. 
7. I fail to see what privacy issues are being quoted here. 
8. Imagine this - thousands of dollars have been transferred to us which TransferWise is lawfully required to transfer to our account. Not only have they failed to do that, they are not even willing to look into the matter. 

As a consequence of this, our essential working capital is stuck. We are a software XXXX  startup and we need to make many many different payments for our inbound services. Every day of delay in not receiving the funds from TransferWise means that we are unable to pay our suppliers, which severely hampers our ability to serve our customers, which means we dont generate any revenue - its a massive cascading effect which can sound the death knell to a startup that has just been incorporated.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2020-11-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

My name is XXXX XXXX XXXX, I had a pre paid credit card with Bank of America for {$100.00} ( charge off XX/XX/2020 ). 
I left the country and I was not even aware this debt went to collections I left the country for 6 months. I have proof from my employer of my absence here. 
I paid it off as soon as I got back and now that I am ready to buy my house this {$100.00} debt that I have paid infill is hurting my chances to buy my own house, I have tried to reach to bank of America I have begged I have submitted proof of my absence and they simply DONOT care. can someone help me remove this negativity from my report??? 
I will attach proof correspondence and my employer leave of absence. 
can someone please give me a call back in XXXX at XXXX.
Consumer complaint received 2022-04-07
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: The CMI Group, Inc. (CA)

XXXX was my cable/phone/internet provider for services at my former address. The original technician XXXX XXXX  me during the first " installation '' visit, and never properly installed the services -- he ran my equipment through an old, rotted XXXX XXXX cable that was falling apart in pieces instead of running a new account cable to the pole. The services NEVER worked properly, forcing HUNDREDS of complaint/repair phone calls, texts and emails where they still never properly repaired the services or offered concession discount. I still continued to diligently pay the full bill anyway, because I had no choice, for several years, for service that literally NEVER worked properly from day one. I finally changed services to another company several years later, returned the equipment -- with receipt proof of return, and was forced to file several XXXX XXXX XXXX complaints about the abusive company practices. They continued to charge my credit card for MONTHS after the equipment was returned and services were stopped with them, with a brand new company providing services. I had to voice record and video record their phone calls several times, and they actually SENT ME TO COLLECTIONS 3 SEPARATE TIMES, CLAIMING I OWED A DEBT TO THEM THAT I DO NOT OWE, HOUNDING ME WITH COLLECTIONS NOTICES AND PHONE CALLS AND CAUSING SERIOUS HARM TO MY PRISTINE CREDIT REPORTS AND XXXX SCORE, THREE DIFFERENT TIMES. NOW, THEY'VE DONE IT AGAIN, FOR THE THIRD TIME, PLACING AN ILLEGAL COLLECTIONS DEBT ON MY CREDIT REPORTS FROM CREDIT MGMT LP, THAT WILL HARM MY CREDIT FOR THE THIRD TIME. THEY NEVER STOP. I DO NOT OWE THEM THIS DEBT. THE EQUIPMENT WAS RETURNED WITH RECEIPTS AND EVERYTHING WAS DONE IN WRITING TO PROVE IT. I AM SICK AND TIRED OF THIS ABUSE AND HARM TO MY CREDIT SCORE FROM THIS UNSCRUPULOUS COMPANY AND ITS ILLEGAL AND UNFAIR BUSINESS PRACTICES. I WILL BE SUING THEM FOR WHAT THEY HAVE BEEN DOING TO ME FOR ALMOST TWO YEARS NOW. I AM SICK AND TIRED OF BEING HARMED BY THIS COMPANY. THEY NEED TO STOP. IMMEDIATELY. AND I AM GOING TO SUE THEM FOR THE DAMAGES THEY HAVE ALREADY CAUSED.
Consumer complaint received 2020-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (UT)

I have sent several disputes to each of the credit bureaus : XXXX, XXXX, and Experian. They have yet to send over a single correspondence to me or respond to any of my disputes. I do understand that there is a pandemic going on, but they are still legally required to provide results. They are reporting inaccurate items on my credit file that need to be fixed. The bureaus are required to respond to me!
Consumer complaint received 2018-02-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

Modification paperwork was submitted, and we were told not to make payments during the modification process. We submitted documentation for the loan modification at least three times. XX/XX/XXXX, we received notice asking for two most recent pay stubs and YTD income for each job. On XX/XX/2014 we received notice from Ocwen that pay stubs for borrower one were not legible. The letter also indicated that a complete package for the modification must be received by XX/XX/2014, or a new loan modification would need to be submitted. XX/XX/XXXX, XXXX, and XXXX 2014 we received to notices requesting us to submit borrower 's one pay stubs. The pay stubs including all paperwork was submitted again. XX/XX/2014, we received a letter from Ocwen stating that the application was accepted. If more documentation would be needed, we would be notified in 5 days. XX/XX/2014, we received another letter stating that the application had been received. We would be notified within 5 days if more documentation would be needed. XX/XX/2014 foreclosure documents were delivered by the county sheriff 's department. We were given 7 days to vacate because the home was foreclosed.
Consumer complaint received 2021-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NE)

Middle aged white man, come onto my property, taking pictures and looking around. 
Observed person on property ; Went to front door and asked " how can I help you? '' Middle aged, white man, in blue jeans and baseball hat asked, " from your mortgage company ''. " Who's your mortgage company? '' Person would not identify himself, and in response to my questioning, put a document on my porch and walked away, disgruntled ; saying he was from my mortgage company, but would not say the name of the mortgage company. Instead he questioned me " do you live here? '' " whats your mortgage company? ". 

I began recording on my cell phone and spoke to him further. I wished him health for working for a corporation trying to undermine homeownership. 

He responded with " XXXX XXXX XXXX ''. Repeatedly calling me " XXXX XXXX XXXX '' as he got in his car and drove away. 

Specialized Loan Servicing sent a representative to my house, who then used hate speech, for no apparent reason when confronted by me. 

Corporately supported racism and hate crime targeting a single, XXXX woman.
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NRA Group, LLC (PA)

NATIONAL RECOVERY AGEN Original creditor : XXXX XXXX XXXX {$250.00} NATIONAL RECOVERY AGEN Original creditor : XXXX XXXX XXXX {$1000.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Consumer complaint received 2021-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (NC)

Greeting XX/XX/2021 We called XXXX AND XXXX XXXX XXXX XXXX, to find out about an engine. The price was {$3400.00}, {$500.00} for deposit, plus an additional {$75.00} for the core deliver date was XX/XX/202. 

XX/XX/2021 not delivery XX/XX/XXXX, got a call from XXXX stating that the " the terms had been changed, now the core value had gone up for {$500.00} '' I asked them to cancel the order and the gentleman said, " I just lost my money '' Barclays XXXX is favoring merchant, and never called me or requested additional information. I opened the case again and they still favor the merchant. 

As per Merchant, I refused to accept deliver of the engine and pay the remaining balance, the engine was never deliver. 
I never changed my mind, the change the terms increasing the core value. 
Never was disclosed in any way, verbally, email or mail that deposits are non-refundable. 
I never received a receipt from XXXX XXXX XXXX XXXX XXXX XXXX, in their website weeks later I found that they a Credit Card Authorization Form which I never filled out. 

I would like for you to know how My Credit Card Company " Barclays '' handles their customer complaint and let people steal money from the consumer. 
I got charged {$500.00} for not reason and this company make {$500.00} for not doing anything. 

Best regards XXXX XXXX
Consumer complaint received 2021-09-08
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. (TN)

I am submitting this complaint because this company is reporting outdated, inaccurate, unfair information on my credit report. I have disputed this account on multiple occasions an nothing was never sent to me to verify or validate this debt. I 1st disputed this account back on XX/XX/XXXX.Then after no response I disputed it again on XX/XX/XXXX.Its now XX/XX/XXXX and I still haven't received sufficient verification on this XXXX XXXX account they are reporting. I also have proof that the other 2 main credit bureaus have removed this account because it was reporting incorrect on my credit profile. Why is Transunion still reporting this information? According to the FCRA all accounts reporting on my credit report should be accurate and verifiable.
Consumer complaint received 2023-01-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

i was paying my best buy cc with my bank of America bank account. 
when i was paying my XXXX XXXX cc, i was trying to pay XXXX on my account, my phone glitched and paid the full balance of my cc which was over {$1000.00}. at the time i only had {$300.00} in my bank of America checking acct. and Bank of America allowed the charge to go through instead of declining for insufficient funds. like it would have if i tried to buy something at a store or if i went to an Atm and tried to take {$50.00} out when i only had {$5.00} in my account. I have been with Bank of America for 28 years. I have never had this happen to me, they have always been good about declining things. I don't understand how this could even be allowed. I get paid ever two week, that will me getting a lot of over draft fees from the bank and higher once because of the large amount over draft. this is fraud because i never asked for them to allow them to cover the XXXX that i don't have ever. i don't care if i authorized the payment I didn't have the fund to cover it. and the bank get to make out with all the over charge fees. I am a single mother of XXXX kids. ever if in two week my direct depots come in it only XXXX so now that is 4 weeks with out money to feed and pay my bills. this i out rages and if this doesn't get fixed i will be getting a lawyer and sueing bank of America for allowing this tow happen.
Consumer complaint received 2021-01-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. It has been 30 days and I havent received a response. I feel like Im am being taken advantage of and being ignored. Section 611 ( a ) it states that a failure to investigate those items within 30 days is a automatic deletion from my credit report it has been 31 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. Also my information was impacted by the XXXX  data breach and may have got into the hands of the wrong individual.
Consumer complaint received 2024-02-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My property taxes were under an escrow account for more than XXXX  years with Bank of America. 

Until I recently found out, after a title search revealed that when Bank of America was supposed to be making timely payments from my escrow account, they did not. The lack of a timely payment caused a property tax lien to be placed on my property. The property tax lien by no fault of the property owner but due to Bank of America failure to pay the taxes in a timely manner unbeknownst to me ( the consumer ) had been on the property for a few years.

It was only discovered by a recent title search and I was never contacted by Bank of America about this tax lien. I contacted the Taxing authority to take the necessary steps to get it removed.

After that, I had the escrow removed from my account since Bank of America was not responsible enough to pay the taxes in a timely manner and failed to even disclose that a tax lien was placed on the property.

How many other consumers is this happening to?

I will Never have Bank of America escrow my account again.

I recently received a letter from Bank of America notifying me about I havent paid the property taxes and they may step in and pay them and in turn set up an escrow account.

Its so hypocritical for Bank of America to send me a letter after they did nothing for years about that property tax lien filed against my property while under their care to escrow.

Tell Bank of America that the remaining balance of the property taxes will be paid. I have been in contact with the Taxing Agency and no action such as a tax lien has been filed against the property. The property is not subject to foreclosure ( risk ) due to delayed payment of taxes. Therefore, I do not under no circumstances consent to Bank of America escrowing my account since they have proven to fail to pay the taxes causing a tax lien to be placed on the property. 

Just leave my account as it is, where no taxes are escrowed.
Consumer complaint received 2023-01-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (NE)

When dealing with Credit Acceptance they were very demanding and harassing when we had our loan with them. They repossessed our truck when we had payment arrangements made so we thought with the company. We were finally able to pay off the loan. They added numerous additional fees to our loan throughout the life of the loan. They were a very difficult company to work with.