davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-23
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

For the last 9 months or so, Bank of America has limited my online banking profile, causing me to not be able to make online payments properly. Each time a payment is attempted, I receive an error message detailing that the payment can not be accepted due to my account status. The account has never been in bad standing and I do not understand why the creditors online platform does not allow me to make payments in a manner that is convenient and expedient. I have had to call each and every time to make a payment over the phone and often times have been on the phone with service representatives for a period often exceeding 30 minutes in time. 
Bank of American then decided to take adverse action on XXXX of my accounts, closing XXXX out and lowering my credit limit from XXXX to XXXX on the other account. I do n't feel that that action was fair insight of my inability to properly access and use their online platform. Moreover, repeated attempt to correct the issue always seem to fall on deaf ears or seem to be corrected for a day or two.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Ability Recovery Services, LLC (TX)

I initially disputed inaccurate information about a collection account reported on my credit report, which was associated with a creditor named " ABILITY RECOVERY SERVI. '' The account was allegedly opened on XX/XX/XXXX, and reported on XX/XX/XXXX, with a balance of {$1900.00}. The debt was incurred in XXXX XXXX, Texas at a time when I was hours away in XXXX, Texas. XXXX of this was provided to the collections agency and original creditor. In response to my dispute, the credit bureaus replied in XX/XX/XXXX, stating that the item had been verified as accurate. However, I contacted the original creditor, " XXXX XXXX, '' who confirmed that they had no records linking me to the alleged debt. Despite this confirmation, the debt continued to be reported. 

Given the lack of evidence from the original creditor, I reached out again to both the credit bureaus and the collection agency, requesting a thorough reinvestigation of the reported entry under the Fair Credit Reporting Act ( FCRA ), specifically citing Sections 611, 623, 605 ( a ), and 609. I provided copies of previous correspondence with the creditor and the credit reporting agencies to support my claim and requested a resolution within the FCRA 's mandated 30-day period.

As of the last update, the debt was still inaccurately reported, prompting me to prepare to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) against both the credit bureaus and the collection agency for potential violations of the FCRA.
Consumer complaint received 2018-03-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (MA)

There have been 2 inquiries made on my XXXX XXXX report by Citibank XX/XX/XXXX and XX/XX/XXXX without my knowledge or authorization. Ive never attempted to open an account with this bank. Ive noticed this bank via phone and email on several occasions and have been given different answers each time. The last phone conversation was on XX/XX/XXXX and I was assured that these unauthorized inquiries would be removed. 2 months have passed and they are still on my file
Consumer complaint received 2016-05-16
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

XXXX XXXX XXXX, my mother refinanced her house through Bank of America in XXXX, XXXX. She was XXXX years old. They gave her a 30yr mortgage. After she refinanced, she said XXXX if anything happens to me the house will be paid off. Three months later she passed away. I went to Bank of America with her death certificate and will and gave to XXXX XXXX. She assured me it would be forwarded to the Mortgage Dept, and if there was insurance it would be applied. I never heard from Bank of America. I faxed those documents 4 times and hand delivered them to XXXX 3 times. The property was left to me and they acted like I did n't exist and because of privacy they could n't discuss it with me. I hired XXXX XXXX to represent me. Bank of America on 3 different court dates had no paperwork that my mother signed. On the 4th court date, they had no paperwork but my attorney said you have to go bankrupt to keep the house. I went bankrupt, paying XXXX a month, but eventually the payments went up over XXXX a month and I could n't afford it. Bank of America sold mortgage to XXXX ( supposedly ). I was evicted, and Bank of America sold my house to a man for XXXX. They never gave me a chance. My bankruptcy Case Number is XXXX. It was filed XXXX/XXXX/XXXX. This matter has given my XXXX. I do n't think it 's right that they kept the bankruptcy payments, never acted like property was mine or would work with me even though deed was in my name. This was predatory lending. I spent a lot of money on lawyers and bankruptcy and expected at least bankruptcy payment back.
Consumer complaint received 2022-08-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MI)

My husband would like to be clear about escrow account because we have been trying to pay more of the escrow but we still see that the escrow account is still growing and growing up too fast and we are scare that the monthly payment of the our home continue get rising more and more every year and the explanation of the mortgage is that they make an estimate of the rising of the taxes and insurance and thats the reason we have to pay {$300.00} more of the original monthly payment {$1400.00}. Additional from our monthly payment they took XXXX XXXX monthly from our mortgage payment to the escrow plus this year we pay to the escrow our home taxes for XXXX. We have paid for the escrow {$8100.00} and stool have a balance of {$5200.00} and the problem is that they are not enough clear of the quantity that we have to pay to the escrow versus the quantity we have been paying.
Consumer complaint received 2018-03-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (IN)

XXXX XXXX placed a derogatory collection account on my XXXX  and XXXX credit reports on XX/XX/XXXX and XX/XX/XXXX. The collection agency has not provided me with written dunning notification of this alleged debt within the 5 day timeframe mandated by FDCPA section 809 ( b ). Without prior notification I was not given the opportunity to have the debt verified nor validated as belonging to me. As a result of the reporting, my credit scores with both bureaus suffered a 20 point drop at a time when I was in the process of completing applications for new credit. I subsequently filed a dispute online directly with XXXX on XX/XX/XXXX citing No knowledge of this account. 
The account is listed as follows on XXXX  : XXXX XXXX   XXXX ACCOUNT DETAILS Account Name XXXX XXXX   Account # XXXX Original Creditor XXXX XXXX Company Sold - Account Type Collection Department / Agency / Attorney Date Opened XX/XX/XXXX Account Status Closed Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$650.00} Balance Updated XX/XX/XXXX Original Balance XXXX XXXX   Monthly Payment - Past Due Amount {$650.00} Highest Balance - Terms 1 Month Responsibility Individual Your Statement - Comments - CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX PAYMENT HISTORY XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX FP XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX collections
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Complete Credit Solutions, Inc. (NC)

When I went to check my credit report, I seen a lot of inaccurate information. such as collection accounts showing past due balances. To my understanding you can not have a past due balance on an account that's closed. I notified all three credit bureaus and gave supported documentation, and they did not remove them they kept it and said information was verified. This is a violation of the FCRA and also a Violation of requisite XXXX XXXXXXXX reporting standards.
Consumer complaint received 2024-05-12
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: CashRepublic Holdings, Inc. (LA)

In XX/XX/XXXX I had requested the application of the Servicemember 's Civil Relief Act to my account. Per Louisiana Statute 29:312 : XXXX XXXX XXXX? XXXX XXXX. Limits on creditor interest rates A. Notwithstanding any provision of law to the contrary, no creditor in connection with an obligation entered into on or after XX/XX/XXXX, shall charge or collect from a person, or spouse of a person, who is on XXXX XXXX interest or finance charges exceeding six percent per annum during the period that the person is XXXX on XXXX XXXX. 

I had attached a copy of my orders assigning me to XXXX XXXX, Louisiana as well as my enlistment contract to show evidence of my current residence as an XXXX XXXX member within the state. However, Omni XXXX  Loans is unwilling to comply with state laws.
Consumer complaint received 2022-08-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (NC)

I recently submitted a complaint with this company about a debt I knew nothing of. After I received the information I requested. The amount of debt owed is incorrect. I have proof of this. 


The letter attached was turned in to their front office XX/XX/2021. The keys were turned in the night of XXXX, XX/XX/2021 to the after hours drop box ( same location keys were dropped off ). I called out from work by emailing the callout line that same day. 

XX/XX/2021 maintenance man came to my door with my Intent to vacate letter that was submitted to the office. He was addressing the leaking water pipe that no one had came to fix after I submitted a formal maintenance request which is also mentioned in that letter. 

I have submitted a dispute on my credit report as well due to this situation. Please contact me at ( XXXX ) XXXX to get this amount corrected and I will pay the CORRECT amount owed.
Consumer complaint received 2022-08-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC (PA)

I had XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, PA XXXX up until XX/XX/2021 when I moved out. I had paid up any amount due up to that time. I contacted XXXX and they were able to verify that no data usage was recorded after XX/XX/XXXX. However they are still trying to charge me with service that I did not use.
Consumer complaint received 2024-05-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (CA)

I was sent money via Venmo in the amount of {$400.00}, two separate {$200.00} sends from XXXX XXXX on XX/XX/2023. 

He did so, and as soon as the money hit my Venmo account, I transferred it to my bank account. He either sent the money with insufficient funds in his bank account, or he disputed the charge, but either way it required the money to be paid back to his bank account which Venmo had to do. 

As a result, they froze my Venmo account and I am unable to access the money that is currently in it. 

Ive reached out multiple times through different chains of communication to no avail and now they are claiming that I have to pay back via debit or credit card the {$400.00} balance to them which is robbery
Consumer complaint received 2020-05-15
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. (IL)

XXXX XXXX  is reporting this account with a past due balance. They have last reported in XXXX of 2019. The fact of the matter is that XXXX XXXX  no longer owns this debt and I was unable to settle this debt with them. They are however still reporting this debt as an amount owed to them. This is illegal and it's a direct violation of the Fair Credit Reporting Act. I want them to remove any and all reporting from my credit reports.
Consumer complaint received 2020-05-15
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. (NJ)

I am a victim of identity theft, I provided proof of my identity theft, proof of my identity, police report, FTC report to Experian they have refuse to block or delete the account belong to fraud. they have not provided me with information or proof that those accounts belong to me. other bureaus like XXXX  and XXXX and XXXX deleted the information with no problem.
Consumer complaint received 2024-05-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC (FL)

This debt was consolidated with a XXXX XXXX XXXX. I paid monthly to the XXXX XXXX XXXX for 48 months. The XXXX XXXX XXXX had a settlement monthly for XXXX  months, which was settled in XX/XX/2023. I received first a phone call from Dynamic Recovery Solutions saying that XXXX XXXX had turned my account over to them. They are attempting to get more money than what agreed to with XXXX XXXX XXXX XXXX XXXX XXXX XXXX )
Consumer complaint received 2022-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER HOLDINGS USA, INC. (NH)

I signed up for a Santander Checking account this year that contained a promotional code to get a {$500.00} Bonus. I met all the requirements, and had not received the bonus so I made a few calls to their customer service to inquire about it. On the first call ( made XX/XX/XXXX ) Santander opened an inquiry for me ( # XXXX ), and on the second call ( made XX/XX/XXXX ) I was told I did not receive it because I had an account with them in the last 12 months, which is incorrect. I closed my prior account on XX/XX/XXXX which is over 14 months prior. I inquired what date they had my closing date for my previous account and the customer service rep said there was nothing she could do, refused to inquire further and hung up on me. After reading the fine print, it's clear I've met all the requirements as far as opening the correct account type and applying the promo code, having at least a {$25.00} direct deposit, meeting the date requirements, not having an account open with Santander in the prior 12 months, and having {$8000.00} of employer direct deposits within the first 90 days. I'd simply like Santander to uphold their word on paying out their bonus.
Consumer complaint received 2020-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (NV)

I am in the process of purchasing a home and made payment of {$5100.00} on XX/XX/XXXX to my Citibank Credit Card of over 10 years with a limit of {$8500.00}. On XX/XX/XXXX my credit limit was decreased to {$2400.00} and was reported to all credit bureaus as a limit decrease and as being over limit at 101 % utilization with no reporting of the large amount I paid. On XX/XX/XXXX I made an additional payment of {$1700.00} and paid the remaining balance of {$720.00} on XX/XX/XXXX. As of today neither of the additional payments have been reported to the credit bureaus further tarnishing my mortgage approval. I called Citibank on XX/XX/XXXX to come to find out if any limit increase or updating reporting was possible and the only solution was to register my complaint which may or may not result in a letter to my address. I've never missed a payment and have been loyal to Citibank and no one cared to help me in any way. I was negatively reported to all bureaus within 72 hours, yet positive reporting is not handled with the same sense of  urgency at all. It is completely unfair that Citibank doe not handle reporting measures equally and does not even care to assist. All I want is for my payments and {$0.00} balance to be reported with the same urgency of any derogatory reportings.
Consumer complaint received 2022-08-05
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. (GA)

i have a lot of unidentified inquires on my credit report and it is causing harm to my credit i have a lot of hard inquires and other types of inquiries. some are for XXXX XXXX XXXX and XXXX
Consumer complaint received 2020-05-15
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. (TX)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX   XXXX {$500.00} XXXX  XXXX {$500.00} XXXX   XXXX XXXX XXXX {$870.00} COLLECTIONS XXXX {$350.00} XXXX XXXX {$560.00}
Consumer complaint received 2024-05-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (NJ)

Date XX/XX/year> LVNV FUNDING LLC Address Line XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : List Account Number XXXX I am sending this letter in response to an EMAIL you sent me on XX/XX/year>. I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ).

I am NOT requesting a verification, but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you.

Please provide me with the following information : 1. State what the money you say I owe is for 2. How did you come to determine that amount 3. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe 4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations has not expired 6. A valid, legible copy of the agreement stating the debt and interest charges If your company fails to comply or respond to this letter within the allotted time of XXXX  days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. 


Thank you, XXXX XXXX
Consumer complaint received 2020-05-15
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. (TX)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX   XXXX {$500.00} XXXX  XXXX {$500.00} XXXX   XXXX XXXX  XXXX {$870.00} COLLECTIONS XXXX {$350.00} XXXX XXXX {$560.00}
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (TN)

On XX/XX/XXXX we made a significant payment of XXXX lowering our high balance we carried for quite some time. Which finally brought the account to just below 50 % of the Card total being utilized. By XX/XX/XXXX, they submitted a hard inquiry to my Credit report without any warning nor authorization and by XX/XX/XXXX the Maximum balance was lowered by half and The available credit is now XXXX dollars ( NOT XXXX ) .. Our payment was made early. ( Its XXXX XX/XX/XXXX ) leaving our balance XXXX down from XXXXWhich Makes our Net credit usage 90 %. That means I was not credited for the payment of XXXX on my credit report show that there was no change at all to an account already in good standing. Causing me Lose points and keep me in a subprime category which is obviously predatory.
Consumer complaint received 2024-05-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (SC)

I received funds from my job through PayPal on Monday XX/XX/XXXX. Since that time I have not been able to use those funds because of their inability to verify my identity and even after answering their questions successfully they keep requesting more time. At first it was 72 hours and now they are asking for 48 more hours after 96 hours. I need my paycheck in order to purchase things and pay my bills and yet they can't release my funds because of their security system even though I proved that I was who I said I was.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Continental Finance Company, LLC (NY)

XXXX XXXX XXXX22 and XXXX/XXXX  XXXX/2022.To my acknowledge I have not signed any documents authorizing your organization to review my credit report history, therefore your inquiry into my credit report violates The Fair Credit Reporting Act Section 1681b ( c ) : Transaction not initiated by costumer.
Consumer complaint received 2024-05-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Onity Group Inc. (CA)

PHH reported on my credit that I accepted a XXXX plan. I did not sign it. Never accepted it. My account is current. I want them to remove from my credit that Im in XXXX please