davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-11
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of American violated Federal rules when they placed a 10 day hold on a ATM deposit of Cashiers check {$4600.00} that I had drawn from my XXXX locally down the street. After calling them multiple times and visiting the branch 3 times on my trip out of state. They decided they can just do what they please even after I pointed out to employees and supervisors that they were violating FDIC rules on clearing bank deposits. Their actions caused me to be late with my mortgage payment which I transfer every month through the branch. The hold did not qualify under the exception rules at all and they were told that and still kept the hold in place long after the cashiers check cleared. I want some sort of sanctions or formal reprimand placed against B of A for not following the rules and I should be given both an apology and some sort of monetary compensation for damaging my payment record with my lender and causing me to drive 3 hours 3 times out of state to the nearest B of A while I was on vacation to try to handle the problem. I had to pull out over {$4000.00} more from another bank causing me extra fees and charges just to make my mortgage payment which was late because of their hold.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? XXXX XXXX XXXX XXXX XXXX XXXX U.S. Bankruptcy Court Reference # : XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account:XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These items NEEDS TO BE REMOVED ASAP AND SEND ME THE MAIL WITHIN 4 BUSINESS DAYS REFLECTING THE REMOVED ITEMS
Consumer complaint received 2022-08-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XX/XX/2022. I sent a letter to the courthouse asking do they report bankruptcies to the credit bureau. Their return letter stated, " The United States Bankruptcy Court does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers credit files. '' I sent certified letters to the credit bureaus let them know that I did not give them permission or written consent to them or any other agency to furnish my information. How did the credit bureaus edify my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 USC 1681. nor did they follow their own consent policy. It is damaging to my reputation and a blatant disregard to my right to privacy.

15 USC section 603 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of being 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 consumer 's 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.

The have violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions According to : 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 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I called XXXX, XXXX and Transunion and informed each of them that information on my credit report is incorrect, specifically the spelling of my last name. In the section titled " Other names '' my last name was spelled " XXXX '' instead of the correct spelling which is " XXXX ''. Also my birth year was listed at " XXXX '' instead of " XXXX ''. I was on line looking at the report and identified the most blatant errors I am not certain if there is more. I was looking at the document online and I was unable to look at the entire document at that time. When I went back to try to pull up the information I was unable to access the credit report. Since that time I have requested all three of my credit reports and I have not received a copy of any of them at this time. I would like a complete credit report sent to my address from ALL THREE agencies so I can compare and contrast the information that is listed on all three of the reports. I need to identify all inaccurate information between each of the three reports.

One of the main problems I am having with these agencies is that is extremely difficult to get a live representative online. Every time I call I get put into a message system that forces me to select options that do not apply to my concerns. I am NEVER able to get in contact with a live representative. Another MAJOR CONCERN is that I am unable to access MY SOCIAL SECURITY account. Specifically, because " XXXX " has information about me that is NOT correct, which is preventing me from accessing MY OWN social security account. This has been going on for YEARS. I have had to go to social security over 8 times to get a password RESET which did not work because the credit information associated with my account is WRONG. I have had my password RESET about 4-5 times and the problem has not been resolved.
Consumer complaint received 2017-06-09
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

BANKS OF NORTH CAROLINA   NC General statute article 22 53-282 ( b ) The licensee shall ensure that each customer cashing a check shall be provided a receipt showing the name or trade name of the licensee, the transaction date, amount of the check, and the fee charged.
( c ) A licensee shall ensure that in every location conducting business under a license issued under this Article, there is conspicuously posted and at all times displayed a notice stating the fees charged for cashing checks, drafts, and money orders. A licensee shall further ensure that notice of the fees currently charged at every location shall be filed with the Commissioner.
Consumer complaint received 2019-02-28
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. (CA)

I was informed by both a telephone operator and her supervisor the following : XXXX XXXX  reported fraudulent account opened XX/XX/18. Account reported to creditor timely as fraud. Disputed validity if Trans Unions report that account is open active and no past due amounts. I was told that since they feel their investigation is complete it would now be another 30 days before they could review their error
Consumer complaint received 2022-09-07
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: Tesla, Inc. (NJ)

Tesla had a program last year of 2021. Where applicants can put a down payment of {$7500.00} and lease a model XXXX XXXX vehicle. After, I ( XXXX XXXX XXXX made the initial {$100.00} payment to design and order my model XXXX XXXX car. I was denied the opportunity to proceed to making a down payment of {$7500.00}. I then make a request to Tesla loan originator located in XXXX, XXXX and request him to send a letter of denial, person identity who refused, and reasons why. Unbeknownst to me, the loan originator stated Prohibited Basis in his statements of emails sent to me. I truly believe I was denied under Prohibited Basis. It has been 45 days since I requested that statement of denial and still no response from Tesla. 

I appreciate your time and allowing me to share my story! 

Thank you
Consumer complaint received 2017-06-09
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica (CA)

Borrower is in the middle of a purchase transaction and we have been trying to ge t two mo nths stateme nts. 3 weeks  later we still do not have the statem ents. Borrower w ill be loosing his lock and possible the home. Need statement faxed to emailed as soon as possible.
Consumer complaint received 2017-06-09
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc. (CA)

On multiple occa ssions, NCB Management Services  has called me at work. Once they left a voicemail and the other time I picked up. Our work lines are recorded and now our conversations are recorded in my system at work. Now I 'm stuck with the potential of losing my job if that conversation or voicemail is heard during quality testing. Every day I fear it 's my last day because those conversation are recorded and archived. The person was also very rude and would not allow me to exit the conversation.
Consumer complaint received 2017-06-09
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. (TX)

I 've been battling with this company for the last year to get negative and fraudulent account off my credit report. I 've Called this company and asked what they needed.. I 've called the police, the id.gov place. I guess chooses who and when to help a consumer. I need to get this resolved bc my family needs to move and this account and some lates are killing my credit. Please see attached evidence and I have more and can upload if needed. I 've learned so much about the laws and how to protect yourself.
Consumer complaint received 2022-09-07
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: U.S. BANCORP (MS)

I disputed this on XX/XX/2022 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I have not heard from them either. They didn't send me any validation. I don't remember getting their credit card. I never seen them before.
Consumer complaint received 2015-08-05
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (UT)

I attended XXXX XXXX XXXX University XXXX XXXX and owe about {$110000.00} in private student loans. I am not able to make the payment of over $ 4,000/month because I am not working in my field XXXX. I am also experiencing a financial hardship XXXX loss of job ). I am not able to make these payments and do not want to default and ruin my worked-for credit score!! What do I do help? Navient is impossible to deal with and they wo n't help me at all. Can I lower my payments?? Can I postpone them until I am working again?
Consumer complaint received 2017-04-19
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Resurgent Capital Services L.P. (CA)

I am constantly being bothered and harassed by a company called  XXXX   XXXX !!!! The guy named  XXXX  called me at work about a debt I know nothing about requesting credit card information. I advised him I could not talk he called my job.     After that I have received calls on my cell phone and I receive at least two emails from them a day. They are being very aggressive and threatening to sue me if I do n't resolve the matter before  XXXX   XXXX .     I have received  36  emails from the following individuals below just in the month of  XXXX  and today is only the  XXXX !!!     I have received emails from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  They also said they are c alled LVNV Funding
Consumer complaint received 2017-06-09
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: EQUIFAX, INC. (IN)

IHAVE MUTIPLE IN QUIRIES THAT I HAVENT AUTHORIZE I HAVE APPLIED FOR CREDIT IN A YEAR HAVE MUTIPLE INQUIRES ON  XXXX  CREDIT  XXXX , EQUIFAX,   XXXX   FILE BANKRUPTCY DISCHARGE AND HAVENT USE OR GAVE ANYONE MY INFORMATION SEEN ALL TYPES OF INQUIRES THAT I HAVENT REQUESTED.
Consumer complaint received 2017-02-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion refused to reinvestigate collections that do n't belong to me. I never received proper documentation from Transunion of documents provided to the bureau to verify that the debt belongs to me. 

Tranunion did not properly notify me of collection accounts being reinstated on my report. 

Debts impacted XXXX XXXX
Consumer complaint received 2022-09-07
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: EQUIFAX, INC. (FL)

I am a natural person Im a living human being I have rights under 15 USC 1681 Equifax is governed by 15 - USc 1681 and they have violated my rights numerous times I demand the accounts listed below be removed because according to 15 Dash USC 1681 I have the right to privacy and I did not give Equifax written permission to furnish these accounts this may be a case of identity theft which happened during the equifax data breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2017-06-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (LA)

Date   XXXX     Amount  XXXX  Company :  Phoenix Financial Service , for  XXXX   XXXX   XXXX   XXXX  Received call from company representative on approximately  X/XX/17.  Was told it was attempt to collect debt. Company representative told me who the debt was for. I expressed some confusion over debt given the billing timeline and not receiving bill for services and being confused about the name being collected for vs. the hospital the representative later said it was for. Company representative gave me an email he said I could email but told me not to use info on the company site because it would send " another validation of debt '' letter. At the time, I thought it was a little odd that he said that because I had never received any mail from the company or a letter for a validation of debt. He went on to ask if I wanted to pay anything and I said, no because I needed to know more about the debt. He reiterated that I should contact the email he gave me. After the call, I looked up my credit report the next day and noticed that the report from the collection company was placed for collection well after I had visited the hospital the representative claimed this debt was for. Believing this was not my debt and an error, I filed a report with the credit burea u (  XXXX  )  who said more information was needed. I later after more investigation to get ready to write a debt validation letter, found out that it was agains the Fair Debt Collection Practices Act for the debt collector to advise me against seeking Validation of Debt, especially when I was talking to the representative about trying to understand about what the debt was for. The company and company representative knowingly and purposefully advised me against this.
Consumer complaint received 2022-03-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

Wakefield & Associates at XXXX XXXX XXXX XXXX XXXX XXXXXXXX has been sending me collection notices in the amount of {$490.00} the collection has been reported as past due. I do not know this company. I have never done business with this company. This company does not have a contract bearing my signature.
Consumer complaint received 2022-03-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FORD MOTOR CREDIT CO. (IL)

To whom this may concern, I purchased a new vehicle with XXXX XXXX XXXX XXXX on XX/XX/2022. I took the car in for service three different times. ( XX/XX/2022, XX/XX/2022, and XX/XX/2022 ) On the third visit, I was informed the vehicle had a nail in the tire. I was also informed replacement brake pads, and rotors are needed. The brake pads are on backorder. The car is under warranty, and I am being charged a full monthly payment ( XXXX ) while parts are being ordered for my vehicle. I have tried speaking with customer service to resolve this issue, but there is no resolution as of date. I was informed by one of the supervisors as long as the vehicle is in my possession the vehicle is not considered down or qualify for any credits. I would like further assistance into this matter.
Consumer complaint received 2022-03-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX  has been charging me {$1800.00} for Capital One I have been telling them I never borrowed from Capital One so the charge is fraudulent a few months ago they called me and told me to do a {$100.00} payment and that it will settle the account so I figured its worth it so they can stop calling me but they just deducted the money from the total and still call me
Consumer complaint received 2018-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: STATE EMPLOYEES CREDIT UNION (NC)

Requested a new debit card in XX/XX/XXXX. Never received the card so I called to determine what was happening. I was informed that a new card ( a different one than the one I requested ) was being sent because the previous card ( the one that requested ) was compromised. As the card hadnt arrived even though they claimed it had been sent they sent another one. Fast forward another month. I finally receive the card itself but no PIN number. As of XX/XX/XXXX I still have no PIN number for this card. I have two checking accounts with them and have been using the card to my other checking account in place of the normal card until XX/XX/XXXX when that card too was cut off without warning for possible breaches at places Ive shopped. I now have no way to pay bills as they are connected to the old cards and I dont have new cards that I can actually use. When I called to find some way to keep things going until I received either PIN numbers or the new card and PIN the phone agent provided no tangible, actionable help beyond resending the PIN and a new card in 7 business days. There has to be a better way to handle this then cutting off cards without providing some type of warning beyond a letter that may or may not arrive before it happens ( if at all ). I now may face late fees and additional penalties for any bills that were connected to the second card that was used in place of the first one that was also cut off almost 3 months ago. I cant switch the bills to another card because I dont have another one to switch it too. While at the bank on XX/XX/XXXX for a separate issue that was resolved, another customer came in with almost the exact problem and was given little to no resolution. It seems like this system isnt working well and changes need to be made.
Consumer complaint received 2018-03-22
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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) ()

A REQUEST FOR BAYVIEW LOAN SERVICING LLC LOCATION OF XXXX FLORIDA TO REPORT XXXX XXXX XXXX SINGLE FAMILY HOME OWNER MORTGAGE SALE ON AROUND XX/XX/2017 TO THE THREE MAJOR CREDIT REPORTING AGENCY 'S 1 ) XXXX   2 ) XXXX 3 ) XXXX XXXX. LOAN # XXXX PROPERTY ADDRESS : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX
Consumer complaint received 2022-03-29
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: WAKEFIELD & ASSOCIATES, INC. (KS)

I have disputed a charge with my insurance company, but the charge was sent to collections. I filed a report with the collection company alerting them of this, and I talked with them saying that I am disputing the charge and it would take, according to the insurance company, 7-20 days to refile my claim. The debt collection agency has been calling me an excessive amount of times. For example, the debt collection agency has called me 15 times from XXXX p.m. yesterday to now ( XXXX a.m. ). I can not make the insurance company refile my claim any faster, which I have told them. 

I am also aware that I have an unpaid {$36.00} charge from 2018. I will pay this once I get the current claim figured out because I do not feel comfortable paying them just part of what is owed since once the claim is refiled I won't need to pay it all.
Consumer complaint received 2019-03-01
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: Experian Information Solutions Inc. (NY)

I am a victim of identity theft, and I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. 
I contacted the Companies, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.