davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-30
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. (TN)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Please check the Payment History, Balance, Date of Last Activity, Date of Last payment and Status information on this account and adjust accordingly. Below is the account that is reporting on my Credit Reports needs to correct as soon as possible : XXXX XXXX XXXX : {$270.00} Late Date XXXX ] XX/XX/22 [ XXXX ]
Consumer complaint received 2017-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

My bank ( Bank of America ) is holding a deposit I made at an ATM until XX/XX/XXXX in violation of Title 12, Chapter 41 of the US Code and Title 12, Part 229 of the Code of Federal Regulations, the Expedited Funds Availability Act of 1987.  They are also violating their own deposit account agreement or contract with me. 

I deposited my first check with Bank of America on an account younger than 30 days on XX/XX/XXXX. I was informed that it was subject to a mandatory hold period until XX/XX/XXXX at  the time of the deposit at the ATM. I went into the bank to discuss and they indicated there was nothing they could do and for future deposits, to cash the check with a teller and deposit cash. I am a XXXX XXXX XXXX employee and the check was a check issued by the XXXX XXXX XXXX. I called on Saturday, XX/XX/XXXX, and spoke with several people with Bank of America, and finally spoke with a manager who advised that she would put in a request for them to release the funds once they had cleared. I called again on Monday, XX/XX/XXXX,  and was informed that they did not see a " ticket '' for that request, but that if approved, it would go through no later than XX/XX/XXXX. 

I reviewed my deposit account agreement with Bank of America, which says in relevant part on page 31 : Special Rules for New Accounts If you are a new customer, the following special rules may apply during the first 30 days the account is open. Funds from electronic direct deposits to your account are available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first {$5000.00} of a days total deposits of cashiers, certified, tellers, travelers, and federal, state and local government checks are available no later than the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you and deposited in person to one of our employees. The excess over {$5000.00} is available by the fifth business day after the day of your deposit. If your deposit of these checks ( other than a U.S. Treasury check ) is not made in person to one of our employees, the first {$5000.00} will not be available until the second business day after the day of deposit. Funds from all other check deposits are generally available by the fifth business day after the day of your deposit. However, we may place longer holds on certain items for other reasons, such as large deposits. '' In addition, pursuant to Regulation CC as interpreted by the Federal Reserve applying the EFAA, if I made a deposit of a government check at an ATM, it should be made available to me no later than 2 business days after the deposit. Being generous with the weekend, today is that day and they are refusing to release my funds. I went in person today and spoke with a manager at the branch at XXXX XXXX XXXX in XXXX, IL, and was told there was nothing they could do.
Consumer complaint received 2022-04-30
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. (TN)

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Please check the Payment History, Balance, Date of Last Activity, Date of Last payment and Status information on this account and adjust accordingly. Below is the account that is reporting on my Credit Reports needs to correct as soon as possible : XXXX XXXX XXXX : {$270.00} Late Date XXXX ] XX/XX/22 [ XXXX ]
Consumer complaint received 2022-07-05
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)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX 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 a account without my written instructions
Consumer complaint received 2020-01-25
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. (NY)

INQUIRIES ON MY CREDIT REPORTS THAT ARE NOT MY DOING. PLEASE ERASE. I have 5 inquiries that are not my doing. I do not want a response saying please contact these companies as i have done so and they say that there is Nothing on file for me. So please remove asap. 

XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX Re seller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX Bulk Purchase Finance - General Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX
Consumer complaint received 2021-06-30
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: EQUIFAX, INC. (IL)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2022-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (CA)

Since 2021, we have contacted credit bureaus to report identity theft regarding a supposed debt to XXXX XXXX according to debt collector CBE Group ( paycbegroup.com ) in the amount of {$2100.00}. The credit bureaus said they would take care of the matter but I am still receiving collection notices. 

This debt is not mine and most likely originated from identity theft. Please look into the matter, thank you
Consumer complaint received 2021-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had a Capital One credit card for nearly twelve years. From XXXX until last year. I already paid the card off on time or made the minimum monthly payments. Everything was fine, up until XXXX, when my card was hacked and used with fraudulent purposes. This is when you need the most support from a company. I called them up and asked for fraud protection to cover this scam hacking attempt on my card. Instead of helping me, they would not honor their word and protect me. Instead they claimed the fraud was liable on my part, which is absolutely ridiculous. 

Not to mention a complete and total lack of loyalty after being a customer in good standing for well over a decade. Subsequently, they started to accumulate debt on top of the fraudulent debt, they raised the monthly minimum payment to an astronomical amount I could not longer afford. 

Upon calling them for assistance, they consistently were not helpful and did nothing to help me, especially during the worst pandemic in modern history no less. 

In XXXX of last year, they closed down my account errantly and discharged the debt. I then received lawsuit court papers in XXXX of this year out of the blue from a collections agency, posing as a law firm, which you will see right on their letterhead, which in and of itself is fraudulent to pose as a law firm, when in fact you are nothing more than a collection agency.
Consumer complaint received 2020-01-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCE CORPORATION (OH)

On XX/XX/XXXX a took a loan with one main financial in XXXX, OH, for XXXX at the end of my loan my whole amount will supposed to be XXXX or something around. they did never mentioned that they calculated monthly and annual interest on the whole amount of the loan which is XXXX, when I just took a loan for XXXX. I've being doing my regular and additional payments into the account but they never mentioned that. I spoke with a representative with name XXXX, she said they calculated monthly and annual interest on the final amount which is XXXX. I considered this outrageous and not fair because they never mentioned something about. I spoke with that representative and she told me she spoke with the district manager and that how they do it.
Consumer complaint received 2020-09-03
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. (PA)

I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX, THE following items do not belong to me and is a result of fraud that I did not authorize : Acceptance now.
Consumer complaint received 2023-06-30
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act Collection XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX ( XXXX ) XXXX date opened XXXX XXXX last activity XXXX XXXX collection/charge-off in the amount {$1000.00} account # XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (NY)

please check the following accounts that appear on my credit report, without any authorization, do not belong to me Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine.

2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX, XXXX XXXX ( XXXX ) XXXX collection/charge-off in the amount of {$710.00} date opened XXXX XXXX last activity XXXX XXXX account # XXXX has violated my rights 15 U.S.C 1681 Section 604 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-01-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc. (CA)

In XX/XX/2018 I was seen in the emergency room with a provider who was in my network but at a hospital where I am not a member. 
I was billed and contacted by Progressive Management after this bill went to collections. 

I provided my medical insurance and policy number to Progressive Management in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for them to file a claim with the correct insurance company and they were negligent. Therefore incorrectly reporting this to my credit. 

According to Supreme Court Ruling AB1611 I can not be held responsible for this emergency bill as I provided the collection agency my insurance information to file claim. 

I want this entire debt cleared and removed from my credit or I will otherwise sue for the balance as well as statuary expenses.
Consumer complaint received 2018-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (PA)

This is a complaint being filed on behalf of my mother-in-law who has a credit card with XXXX  XXXX XXXX XXXX through XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, Ohio. According to her, she only used her card for one purchase, which according XX/XX/XXXX or XX/XX/XXXX was for {$1300.00} as of XX/XX/XXXX. However the statement listed her balance as XXXX even though she was paying her bills. After talking with a representative of the credit card company after my mother-in-law gave her permission, I was instructed to send a letter to obtain copy of her payment records to the address above. I sent two letters that has my mother-in-law 's signature -- XX/XX/XXXX and XX/XX/XXXX mailed on XX/XX/XXXX. Payments were included with the first letter and were process according to her next bill. The XX/XX/XXXX, letter was sent by certified mail USPS XXXX and was received. As of XX/XX/XXXX, I have received no response from the bank.
Consumer complaint received 2022-01-12
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY (MA)

I certified mailed out a verification letter, affidavit of truth signed by the notary and myself. An invoice for all the fraud violation Wells Fargo sent me on XX/XX/XXXX. In the letter I asked them to not collect my car, return title lien free, delete all my info regarding the car off my credit report immediately and pay the invoice. They said that they didnt receive it til XX/XX/XXXX. I gave them 30 days to respond they sent me a response on XX/XX/XXXX with a letter that was back dated XX/XX/XXXX and a letter dated XX/XX/XXXX in the same envelope not sent certified mail so they cant prove when I received it. I waited til XX/XX/XXXX for them to send me what I asked plus a check of the invoice i asked for. Today i wake up and see my car is gone.
Consumer complaint received 2022-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (NJ)

In 2019 I sold my XXXX XXXX  it had bad engine problems I sold it as junk And I cancelled the insurance on it. XXXX still billed me after I cancelled it and harassing me about it. Why should I pay insurance on a car I sold, I cancelled the account in advance so I wouldnt have a payment on a car I didnt have anymore. The woman I spoke to on phone was very rude about it and refused to hear what I had to say to her when I called to dispute the charge on my credit report. I cancelled the insurance before I even sold it because the car was undrivable and smoked because of the transmission and engine problem
Consumer complaint received 2022-04-30
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. (SC)

XX/XX/2021 Installment loan XXXX XXXX XXXX : {$870.00} BAL : {$820.00} DEROGATORY ACCOUNT STATUS : CLOSED ACCT # : XXXX CHARGED OFF THE ACCOUNT ABOVE SHOWS BILLING ERRORS OF INCORRECT BALANCE AND ACCOUNT STATUS I have reached out to all XXXX Entitys about this billing error on my credit reports. XXXX, XXXX, & Transunion to fix this matter and remove the account due to the violation of my consumer rights and non consent of my signature approving to furnish my account with these charged off accounts. The entitys have refused to do their actual duties of research in correspondence to my request.
Consumer complaint received 2019-10-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (SC)

I contacted my mortgage company, ocwen/phh and informed them I was having hard times and was going to miss payment. They said that I couldn't apply for a modification until 3 missed payments. I tried to pay after missing 3 payments ( to keep it from becoming more than 3 ) they wouldn't accept 1 payment, they needed all past due amounts, they then denied my modification for being more than 90 days behind.
Consumer complaint received 2019-11-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIZENS FINANCIAL GROUP, INC. (MD)

I have entered into a debt reduction program. Citizens Bank and XXXX XXXX is calling non-stop ( 8-10 ) times each per day on my cell phone ( XXXX ), my work line ( XXXX ) and now my son 's cell line ( XXXX ). This is addition to the emails, texts and mail notifications.
Consumer complaint received 2018-02-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Why did I received the below e-mail from Bank of America From XXXX Bank of America XXXX Subject : You have a new bill from Bank of America Credit Card To : XXXX Reply To : Bank of America XXXX E-mail noted " You have a new E-bill from Bank of America Credit Card. 

I HAVE NOT SIGNED UP FOR ON LINE E-BILL OR ON LINE BILLING. 

AGAIN, WHY DID YOU SEND THIS E-MAIL TO ME.
Consumer complaint received 2018-02-13
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. (FL)

There was an incorrectly reported repossession that was reported on my credit report in XX/XX/2010 by XXXX XXXX XXXX. There was no repossession. No other bureaeu reports this except Equifax. I have contacted XXXX and they blame Equifax for inaccurate information and it is on them to correct. Equifax will not remove this item, besides being inaccurate this is beyond the 7 year reporting mark on credit. I'm being punished with false information that they will not remove from my credit report. This has stopped me from obtaining credit. I do not understand how a company can report false information, and beyond the time frame for reporting and still not remove it.
Consumer complaint received 2024-03-20
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: BMO Bank, N.A. (AZ)

This is the fourth complaint filed against BMO. I have attempted to follow all of XXXX XXXX instructions to attempt to make a payment on my lease. I mailed a check to the address provided with the account number on the check. It was returned by BMO with a letter statingUnable to Locate Account. I returned back to the bank that confirmed I can not make a payment in a branch and that it needs to be mailed. The branch attempted to find the account number like XXXX XXXX instructed in his last response. The branch was unable to do so. 
XXXX XXXX the branch manger could also not locate an account for me, reached out to XXXX XXXX who then instructed her to get me to return with cash or a cashier check and enter in as a GL. They would then email XXXX XXXX who would update the account. 
This seems very unethical as to this day XX/XX/2023 nobody is able to give me any transaction history of any payment made or give me a copy of my lease agreement. 
I am now two months behind in payment that I have attempted in every way to pay. 
I have asked XXXX XXXX for this information to be provided to me in writing. They will not do so and nobody seems to be making any effort to resolve this issue other than me.
Consumer complaint received 2023-01-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc. (ND)

During the pandemic, I went into forbearance on my current mortgage. I live in XXXX, and as soon as XXXX  approved their plans on how to assist affected citizens with the XXXX XXXX XXXX  XXXX dollars, I applied to the state. They processed my application and have been waiting on the servicer, XXXX, to sign on with the state so the can move forward. I have not been able to get get a clear answer on any of this from XXXX and just keep getting a different answer every time I call and each solution generally involves, just wait it out and be patient. This mentality has just added to the delays and I am just ready to get this resolved and move on, however, I can't because of the servicer.