davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-05
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America debited from my checking account a check belonging to a different account holder. My account and the check issuer 's account differ by XXXX digit. The image of the check as shown on my online banking clearly indicate the mistake. I am appalled at the lack of transaction controls at BoA. My checking account did not have sufficient balance to cover the check. A check which I did not issue and did not expect to post to my account! In the process, my account was overdrawn. I called BoA customer support the next day. I was assured the debited account and NSF fees would be refunded in 5-7 business days. During this period, BoA charged me a further {$35.00} as extended overdraft fees! I has been over a month and I am yet to see a refund for the {$35.00} NSF fee and {$35.00} extended overdraft fee. My account is still overdrawn pending refund of these fees which were caused by faulty BoA systems.
Consumer complaint received 2023-03-17
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: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these inquiries ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. I need the following inquiries to be deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-02
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc. (VA)

XXXX XXXX XXXX  XXXX has Illegally sold my account to credit control both breaking the HIPPA LAW. I am protected Under the HIPPA LAW as a patient. Credit control has accessed my social security number my address phone numbers, has threatened my job and has access to my medical records, this company knew EVERYTHING I was treated for. That was private information! I have filed a complaint with the HIPPA law.
Consumer complaint received 2016-09-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I disputed XXXX filings on my credit report ; 1 ) XXXX for fraud due to wrong account number reported on report ; and 2 ) a claim that if false and paid in full. TransUnion and XXXX refused to remove the information after I provided proof that I did not have that account with the bank and the other claim I provided a negotiable instrument with contract on it stating that the claim was paid in full.
Consumer complaint received 2022-02-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NC)

We fell behind on the mortgage XXXX of 2021 as result of job loss, covid illnesses in our household. We started the procedure with the loan servicer SPS. We sent them multple copies of paperwork for several months. We did not feel comfortable continuing to send payments during this time because they seemed to always misplace or lose documents. We sent them all financials several times. After several months they asked for hardship paperwork again. Finally they denied any help to resolve the issue except paying the full amount, which we did not have. Since XXXX we have continued to try to deal with SPS Servicers, but they are unwilling to assist us in new mortgage assistance in anyway. We will be able to pay the mortgage now that we have sources of income to pay the mortage and past due. Meanwhile SPS servicers have continued to add multiple and multiple expenses to the loan including an unlimited supply of drive by inspection charges and other unknown charges m eanwhile we continue to feel like we have been getting the runaround. We have been willing to do what we can to save our home of 27 years, our childrens home. On several occasions they have allowed the homeowners insurance to be cancelled. We paid to have it reinstated and SPS improperly dealt with the insurance allstate and told them no one was living in the house. This house has been occupied almost daily for 27 years. With all the drive by 's they have done supposedly, I am not sure how they have been unable to see all the cars in our driveway.One of the agents at SPS recently said if we could afford to pay the insurance to get it reinstated after they SPS messed up then why can't we pay the mortgage. We feel like they have been harassing us for several months, leading us on and tacking on a multitude of expenses. Recently we received another notice to pay homeowners again since they SPS had mandatory insurance placed and now XXXX said SPS dropped the ball again.We will be able to pay the mortgage from this period on, we just want to be treating fairly. This has been a true nightmare dealing with this company. Please help us save our house. We have plenty of equity at stake, and am sure the SPS company and loan owners are well aware. Now we received a letter from an attorney today requesting the loan and all the fees added by SPS is due in full {$150000.00} Dollars or we will be foreclosed on.
Consumer complaint received 2022-02-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NV)

Yesterday I was in a dept store in the middle of a transaction and I received a phone call from XXXX and the woman told me she was from XXXX  XXXX and they had not received my pymt and I needed to make a pymt immediately in order to stop disconnection schedule within the next 2 hours. I was having a family event at home and complete panic set in. I could not think clearly and borderline hysterical. I did not have a pen with me but she gave me a fraudulent XXXX  XXXX employee name and ID # and I needed to make this pymt immediatly and to pay by XXXX. I told her my pymt was made on XXXX and she said they had to record of it. Due to my hysterical state of mind I did send {$170.00} only to find out I had no recourse for stopping a fraudulent transaction on my account from Chase. I am going to the Police Dept today to file my police report and I have a FTC Report # XXXX. This has never happened to me and I was extremly upset during this phone call. The phone number associated with the transaction with Chase Bank is XXXX. This is a crime what happened to me and I had no protection even with Regulation E. Once all my information is compiled I will be forwarding it to Chase with a written request to reverse this transaction.
Consumer complaint received 2021-10-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (NC)

I hope all is well I just would like to start off by saying thank you very much for allowing me to bank with you all these years. I was recently in the hospital and I had to get procedure done because I was in severe pain and I could not get to the bank to add funds to my checking account and resulted in me getting excessive over draft fees. I apologize I couldnt drive or even function until I had the procedure. This year has been rough on me as well as a lot of other people. I do apologize this was unexpected and out of my control. Can you please give me all the over draft fees back because they are excessive and are causing a hardship for me and my family. Please understand it was out of my control didnt even know this was going to happen unexpectedly just like this virus. Thank you for your time. Have a wonderful day and please be safe.
Consumer complaint received 2022-02-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2021-02-26
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/XXXX/202, I submitted a dispute to all three credit bureaus. It has been beyond 45 days and i still have not received any results back.I am being taken advantage of. According to FCRA, it must be removed if it was not verified within 30 days. Please abide by the law and remove those accounts from my credit report.
Consumer complaint received 2020-06-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: New Hampshire Northeast Credit Services, Inc. (MA)

hospital terrible does't help me and put my score down and put my name in collection, i went in hospital because i was XXXX  and i had XXXX  XXXX, the hospital no accepted my XXXX because of Michigan, said i don't have job i i can send the letter of bridges organization about XXXX  XXXX, the hospital put my name in collection and i called and can pay just XXXX the collection very rude, i explained about corona virus my situation she told to me i have another debts and she will put another in collection the name of company NH / NE CREDIT SERVI
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove this following account on my reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (NJ)

my credit card is frozen after i paid my bill not once twice. the company holding my payment and i cant used the card for any purchases. i set up a minimum of XXXX instead of taking XXXX they took out XXXX from my bank account. my bank stop the payment and the funds was returned. I made another payment for XXXX and my account is still frozen. i called the goldman sachs to find ot a solution and i got no where.
Consumer complaint received 2017-02-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My parents entered into an arrangement with XXXX XXXX XXXX to pay off credit cards used to pay for my mother 's medical expenses. My mother passed away in XXXX 2015. In helping my father determine the agreement with XXXX, including the contract length, the payment arrangement, and the status of the debts associated with the contract, it has come to my attention that this company operates in a deceptive manner. The company takes the obligors monthly payment, does not contact the creditor until XXXX believes they can make some sort of settlement with the creditor. During that time, the representative told me they are well aware that the obligor 's creditors continue to charge late charge fees, increased interest rates, etc. Even though my father had notified them of my mother 's passing, XXXX failed to contact any of the creditor 's to determine if the accounts were in my Mom 's name or Father 's name. My father had enough money in his XXXX Account to settle the debt, but until I called they had not contacted the XXXX remaining creditors.
Consumer complaint received 2015-05-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (NJ)

This collection is agency is attempting to collect a debt that is not valid nor is it owed. I have spoken to the original creditor ( XXXX ) and I was never notified of this debt nor have I received any correspondence in reference to it. I still have the XXXX account and the monthly balance due is not even equivalent to this so call debt.I have filed disputes with all XXXX credit bureaus and the collection account remains on my reports and is impacting my ability to obtain a mortgage. Neither XXXX nor the collection agency has provided me with any information regarding this account.
Consumer complaint received 2023-03-17
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$180000.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX Balance : {$530.00} XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$37000.00}
Consumer complaint received 2015-08-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

XXXX issues:1. My XXXX payment was made on XXXX XXXX, 2015 and was not credited to my account until after I emailed the CEO, XXXX XXXX, on XXXX XXXX, 2015. In my email, XXXX of the things I requested as follow-up was a written response informing me if my XXXX payment was reported as a delinquency to the credit bureaus. I never received a response and would like an update. 
2. My XXXX payment was made on XXXX XXXX, 2015 and has n't been credited to my account.
Consumer complaint received 2019-02-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

I opened a merchant account for credit card processing. I was instructed to immediately start processing transactions via manual keyed input. During this time i was also contestant instructed to upload company ID and personal ID to verify the account. I did this and was told repeatably that i was approved and everything was verified. When i would try to access my money from their system to transfer to my already verified bank account, i was again met with i needed to resend ID 's for account verification. A pending transfer from Paypal account to my bank was put on hold during this time and then later reversed and the money was frozen and put on hold in their system. I continued to take credit card transaction payments and once again i was told my ID checked out and it would be 24 hrs for the back office to make a decision to release the funds. I tried to transfer another amount from my merchant Paypal account to my already verified bank account and was again met with i needed to verify my bank account and company ID along with personal verification.So this transaction was now stuck in pending mode with a restriction on my account due to to many manual keyed entries and no card swipes along with pending ID uploads again. I was doing this bc they instructed me to go ahead and key in the card numbers till my swiper arrived.When i would call customer service they told me the system was down and it would be 24 hours before i could reach anyone to look up my verification approval. At this point i asked for a legal department and dispute resolution officer. I was told that there was no way to get in contact with such departments and was told to try in 24 hrs again. I called once again the next morning as soon as they received calls at am and i voiced my growing concern about the repetitiveness of the ID verification and now 2 pending holds my money transfer. I was put on hold while the call center lady asked a senior supervisor to approve the ID 's and release the holds. She came back on a said yes your all approved and free to move around with no restrictions. However the funds availability would yet be another 24 hrs and she said rest assured sir we are working on it. 4 hours later my account was once again restricted and i was asked again for further company ID and personal verification and all my transactions had been suspended and all money was put on hold or pending transfer status until additional company and personal ID verification was complete. This cycle has contained to repeat itself daily and i'm always told 24 hrs. Today they said it was going to be 30 days now before any of my money was going to be available bc thats just the way it works with them. The representative stated that Paypal was just a mere middle man in merchant processing accounts and the third party that they used for the transaction payments would further delay the process of money acquisition.
Consumer complaint received 2016-02-19
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX To Whom It XXXX Concern : XXXX XXXX, XXXX Experian XXXX. Box XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Box XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The following creditors have made unauthorized inquiries onto my credit report. 
Please contact these creditors and provide me with a complete written explanation for precisely why they have obtained my consumer credit report. I did not authorize these credit reports to be obtained and I want an explanation : XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX Date : XXXX XXXX, XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX XXXX Date : XXXX XXXX, XXXX
Consumer complaint received 2016-10-28
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Prosper Marketplace, Inc. (NY)

I have received an e-mail from a Prosper that my personal loan application was declined and stated that my XXXX score is XXXX. I called Proper and I spoke to customer service rep who confirmed my Ss and DOB and refused to informe me who have appliec on my behalf or the source of their info, she stated that it wo n't affect my credit while they have a full info on me. 

The name is Proper Marketpace Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX
Consumer complaint received 2023-03-17
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: EQUIFAX, INC. (PA)

I have already filed a complaint as of today, only one account was deleted from my credit report. I requested all 3 bureau 's to remove 3 accounts total that does not belong to me. They only removed 1. They updated the other two and kept them on my profile. They are aware of the identity theft and also have that note on my profile and still haven't removed the other two accounts. The other two account I need removed is from XXXX and XXXX These two accounts do not belong to me.