davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

On XX/XX/XXXX around XXXX to XXXX XXXX  CST, I attempted to deposit {$4200.00} cash into my Bank of America checking account through the ATM located at XXXX XXXX XXXX, XXXX XXXX, AR XXXX. 

After the ATM took my money, its screen flashed an error message that lasted for about 5 to 10 seconds. Then it restarted the screen by asking if I wanted to deposit or withdraw as if nothing was deposited. 

I also deposited a separate {$6200.00} cash into my account during the same ATM trip. That was successful. 

On the following day, XX/XX/XXXX I called BoA and started a claim. On XX/XX/XXXX, I received a letter in the mail from BoA stating they were unable to approve my claim. 

I would like BoA to : - Investigate the daily ledger for that ATM on both XX/XX/XXXX and XX/XX/XXXX, so the actual cash in the machine and total amount deposited ( minus withdraws ) are equal - Pull the ATM 's transaction logging and investigate that error message - Investigate the video footage for that ATM between XXXX to XXXX XXXX  CST on XX/XX/XXXX XXXX
Consumer complaint received 2021-09-22
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. (FL)

This credit bureau violated my consumer rights under 15 usc 1681b ( a ) ( 2 ) '' no permissible purpose or no written instruction '' I never gave any permission to report such unverifiable and inaccurate accounts. all the disputed accounts are drafted on my letters. I want them to be removed immediately. They failed to delete these after several letters i have sent to them. They failed to verify and update my report the correct way.
Consumer complaint received 2020-10-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Reliant Capital Solutions, LLC (CO)

Reliant Capital Solutions Is depicting inaccurate information on my credit report insisting my debt 's date of last delinquency was within the last 2 years. This debt is over 7 years old and the date of last delinquency is over 7 years go. Therefore Reliant Capital is breaking the law by changing the date of my delinquency in order to continue to collect on a debt that's older than 7 years. 

I have disputed this frivolous debt for the past 7 years as the original creditor charged charged it off to be handled by Reliant Capital Solutions. Reliant Capital Solutions has only provided me with a bill from the original creditor with no proof of a contract, signature or anything from 2013, the year this account reported the most recent delinquency. This debt is a frivolous debt and the collection agency has never proved the validity of this debt. ( Only submitted to me over the years a printout of a ledger. ) In order to keep the harassment and deceptive debt collecting practices in place, they marked my credit reports that this is a recent debt in order to bully me into paying this frivolous and fraudulent outdated debt. 

I refuse to pay a debt that is not mine or accurate. 

In addition, the reason for this complaint is reporting this outdated debt to my credit report that as a recent debt is a fraud, scam, deceptive and against my rights per the FCRA. 

I will be contacting the Attorney General of the state this collection agency is licensed and will seek damages in civil court if this account is not removed from my all 3 of my credit reports. In addition I will I will be contacting the States Department of Regulatory Affairs regarding this matter.
Consumer complaint received 2017-09-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION (MS)

Turned in my lease ( XX/XX/XXXX ) after a dealer incentive to buy a new car. I was told by the dealer there would be no additional lease charges. On XX/XX/XXXX received a bill from XXXX XXXX in the amount of {$1400.00}. They drafted another payment of {$720.00} and applied it against the balance. I was told the excessive charges were for a cracked windshield and 2nd key. I turned in both keys. I got no credit for tuning the car in approx 12,000 miles under the contract limit and was not told of any additional charges before buying the new car. The dealer did involved and I agreed to pay a final balance of {$340.00} to XXXX XXXX which they said would bring balance to XXXX and the dealer reimbursed me as well. 

Now over a year later, I received another bill from XXXX  for {$360.00}. I was told I was lucky this was n't turned over to collections and it would be if I did n't pay it. I was told the additional fee was added because I did n't buy a new car from XXXX. I told him I did buy a new car the day I dropped this one off. He said he did n't see where I purchased a new car. I told him to check with the dealer. He then asked if I financed the car with XXXX. I told him that I financed the new car with the bank chosen by the dealer which was XXXX XXXX XXXX. He said that explains it and they would have waived the fee had I financed with them. I did n't so I have to pay them the {$XXXX} over a year after turning in the car and paying the amount agreed in XX/XX/XXXX. He also said I should have read the contract more carefully as it allowed them to charge the additional fees whenever they want to.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I use to have a mortgage with this company, but they were completely paid off in 2020. They keep reporting to my XXXX, XXXX, and Transunion credit report as an open account even though it is an closed & paid in full account. They are ruining credit score and I have talked to credit and this servicer with no type of resolution. At this point, they are blantly and with intent to ruin my credit and will not report to all three credit bureus that his account is closed as of 2020. Also, they are reporting each month to my credit report as late.
Consumer complaint received 2020-11-15
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

On or about XX/XX/2020 I was contacted by the credit card via text about a potential charge to my account. I called the company and based on the information they provided, I informed them that the charges were not made by me. They took all my information and asked if i had the card in my possession which I did. They said they would freeze the account, send me a new card and start the investigation process. Two charges were made online to a XXXX XXXX  for the same amount. I reiterated that the charges were not made by me. I have never purchased anything at XXXX XXXX. I inquired what were the items purchased and they would not give me the information. A few days later i received a letter stating that the charges were being investigated and they would be credited from my account after being charged. 

On XXXX XXXX, 2020, I received a letter stating that there was no indication of fraud and the charges would appear on my next statement. I called the company and disputed the charges again. They stated that because I had the card on me and it has a chip, the charges were made by me. This is obsurd as they would not give me any information on the nature of the charges or what was charged. I threatened to get an attorney to assist in resolving this matter. 

On XXXX XXXX, 2020, I received another letter stating that " we're happy to tell you that your fraud investigation with captial one is now resolved '' which I do not understand what they are talking about since they did not credit my account for these fraudulent charges as they were not made by me.
Consumer complaint received 2023-02-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report.

I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block.

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately.

I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate every piece of information and remove these items below from my credit report.

Accounts 1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX 4. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 7. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 8. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 9. The following personal information is incorrect Account Number : EMPLOYER : XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2015-06-10
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Echelon Financial, Inc. (WV)

I tried to apply for a loan online. I was redirected to XXXX to get my credit score. 
It was supposed to have been a {$1.00} charge to receive the credit score and NO additional charge if the trial membership was cancelled. 
When I was unable to get my score, I called the SAME DAY ( XXXX XXXX,2015 ) and cancelled my membership. 
A {$1.00} fee was charged to my account, from both Myscore and XXXX on XXXX XXXX. 
HOWEVER, on XXXX XXXX additional fees of {$29.00} from Myscore and {$17.00} from XXXX were charged to my account, even though the membership had been CANCELLED a week earlier. 
Since these additional unexpected charges caused an overdraft on my account, I am also being charged {$36.00} PER DAY for overdraft fees. 
Myscore has agreed to eventually refund the original {$29.00} plus {$1.00} fees but not any of the overdraft charges. 
XXXX is REFUSING to issue any kind of refund. 
PLEASE HELP!!!!!!!!!!!!!
Consumer complaint received 2020-11-15
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: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2019-08-19
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION (NM)

Had a home mortgage through XXXX XXXX XXXX  from XX/XX/XXXX-XX/XX/XXXX, then was switched to M & T Bank in XX/XX/XXXX. No notice was given to this switch until I was placed into foreclosure XX/XX/XXXX. The loan from my understanding was eligible for me to drop the insurance hazard insurance fee almost $XXXX  dollars extra/month due to me paying off  atleast 20% of the price of the phone. There was also another $XXXX  in late fees carried over to M&T bank when I was never delinquent with XXXX XXXX. However, when I discovered the loan was with M&T the $XXXX late charges were billed from them plus an additional $XXXX of late payment fees plus still no removal of the $XXXX  hazard insurnace. I had my Attorneys from XXXX XXXX XXXX XXXX write a letter demanding adjustment of these fees. There was no response until I received a phone call from M& T Bank on XX/XX/XXXX stating that if I did not pay 5 total payments of mortgage valued over $XXXX dollars then foreclosure would be accelerated and I would lose my home. I explained I just received notice of this and they said I could pay 4 months because XXXX was not due yet. I payed the four months to take this out of foreclosure and spoke with an XXXX   and it was agreed upon paying these 4 months would not get me reported to the bureau. As ofXX/XX/XXXX, M&T reported me delinquet for XX/XX/XXXX Payment when I paid the mortgage through XX/XX/XXXX. This caused my credit score to drop almost 90 points and kept me from getting an XXXX  Credit card.
Consumer complaint received 2022-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC (PA)

After over a years worth of ontime payments, I had one transaction reverse due to non sufficient fund. The next day I fixed this issue and made an online payment to cover that payment and then some. 

Continental Finance reported this as delinquent to the credit bureaus, when in fact the account is in good standing. 

I tried to call them, but their automated system is not capable to handle this request, When I tried to get operator, the system told me no one was available and hung up on me.
Consumer complaint received 2021-09-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Herbert P. Sears Co., Inc. (NV)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2019-08-19
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. (NY)

I have purchased a new vehicle year XXXX  with XXXX,after having so much problems with the engine.i decided to give it back XXXX after 2years of paying the loan.i was fed up.The dealer where I purchased this vehicle has promised me to clearance of the loan with XXXX XXXX.for past three months I noticed a delinquency in my credit report.i have reached out to them many times.i have send letters debt validation letter.nothingIt’s hurting my credit bad.please help.thank you.
Consumer complaint received 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

Experian has reported a discharged Bankruptcy Chapter XXXX from 2012 that has an incorrect State and address. They have the wrong person. I have never in my life lived at XXXX XXXX XXXX, XXXX, KY, XXXX. Nor do I have any family or friends who live in Kentucky. This is 100 % not me. So this incorrect information needs to be deleted without fail. The reference number for this inaccurate report is XXXX. Date : XXXX
Consumer complaint received 2017-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

In XX/XX/XXXX we realized our debit cards were being used fraudulently and our checking account went negative. 
No one from bank contacted us. We contacted them and all charges were credited. 
WELL XXXX I was out of town for a month and the same thing happened and then our credit card as which was used fraduently and paid thru our checking account had this happen again, I contacted them and they opened up a fraud claim that was approved, However I called and they stated they had no idea about this fraud claim. 
I was at local branch and the teller remembers me calling them ( FRAUD DEPT ) to make the claim from the branch. Well several months later nothing still has been done. 
I was credited for a couple of the charges but not everything. I also thought I closed the fraudulent account but it remained open and took us into the negative as well as the new account as well????? HELP XX/XX/XXXX fraud claim opened XX/XX/XXXX CALLED NO FRAUD CLAIM FOUND XXXX opened another fraud claim and received a small credit roughly 240.00 .
I am still missing credit of ove 3000.00 $
Consumer complaint received 2023-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CO)

I tried XXXX times to request an appraisal on my home to cancel my XXXX, but BSI Financial was unresponsive or provided false information. Now that BSI Financial has agreed they need to end the XXXX  on my home, they have not removed the XXXX  from my monthly payments, have not responded to my phone calls or emailed requests for contact, and have not provided me a full letter verifying that XXXX  is removed. 

I reached out to BSI financial in writing on XXXX occasions and received either verifiably false information or was ignored when I requested removal of my XXXX  due to the Loan-to-value amount of my home and 2 years of on-time payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I was advised by BSI financial teller XXXX ( # XXXX ) that I needed to " read the XXXX XXXX XXXXules '' because I was not eligible based on those XXXX qualifying conditions. I advised him I was eligible, and I did read the rules, which is why I called. XXXX then advised me to write to the wrong email address. I wrote again on XX/XX/XXXX to advise that I would be filing a consumer complaint and received a call to set up an appraisal. My appraisal occurred, and valued my home at an amount that would remove XXXX. On XX/XX/XXXX I wrote to XXXX requesting a response within 30 days of my appraisal, as required by XXXX XXXX, since they had not responded within 30 days of the appraisal. On or about XX/XX/XXXX I recieved a letter stating that my XXXX  would be canceled, based on the information attached to my cancellation letter. There was no information attached to my cancellation letter. I wrote to BSI Financial on XX/XX/XXXX to tell them I needed the second page of my letter. They did not respond. On XX/XX/XXXX, I went into my online BSI portal and saw that my mortgage was unchaged even though my XXXX should have been removed. I wrote to BSI financial again that same day requesting they call me with their plans to proceed, and to remove XXXX. I have not received a response.
Consumer complaint received 2021-09-22
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. (CA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-04-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (CA)

I submitted application to FlagStar Bank for inclusion in the federal mortgage forbearance program. 
I received a conformation that I was accepted on or around XX/XX/2020. On XX/XX/XXXX I received a phone call from FlagStar Bank that I should call them about my " late '' mortgage payment on XX/XX/2020. When I called, I was told even though I was in the forbearance program, I should try to make a payment and that the call was an attempt to collect a dept. 
I told the agent I considered the call and the attempt to collect a debt harassment and if I was accepted in the forbearance program, there should be no need for me to call in and explain my situation all over again. 

My complaint is that FlagStar is practicing harracement of participants in the federal forbearance program.
Consumer complaint received 2021-09-22
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: Experian Information Solutions Inc. (MI)

2 Months agoreceived your correspondence on this alleged accounts in my file stating you verified or updated, these accounts was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset.
Consumer complaint received 2021-09-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TN)

I am being harassed by a company called Rocket Mortgage. They call me around 10 times per day and I have repeatedly asked them to take me from their call list but they will not. They will call late at night ( XXXX XXXX  ) and early in the morning- sometimes around XXXXXXXX XXXX I have NOT solicited this company for any reason and have no business with them. Further, I am on the " do not call '' registry and I have blocked them but they still call. 
Something should be done to stop this type of harassment.