davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-30
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

While I have been able to talk directly to XXXX XXXX of Bank of America, she and her assistant ( XXXX XXXX ) have repeatedly ignored messages from me, since you closed my previous complaint. I was able to talk directly with XXXX XXXX on XXXX/XXXX/15, in which she made an appointment with me to call me after XXXX on XXXX/XXXX/15, an appointment which she did not keep. When that time period had passed, I called and left a voice mail for her. She did not return my call until this week, XXXX/XXXX/15 at XXXX, while I was indisposed. I promptly returned her call, informing her that she could call me back at any time and leave a voice mail if I was n't able to answer at that time. I have had several questions arise since my first contact with XXXX. I have repeatedly called and asked for a response from her. My questions to wit are : " Is Bank of America willing to work with me as an affiant or do I need to be an executor of XXXX XXXX 's estate? '' and " Did Bank of America pay the property taxes, as they have in the past, for 2015? '' The answer to both of these questions directly affects me and my future arrangements. My attorney also needs to know the answers before she can proceed. I did offer the option of a conference call between the XXXX of us. No response has been supplied, if indeed, this is an option. My understanding of past conference calls is that all parties are notified well in advance of the time, number to call and a check-in ID # for such calls, in order for them to be legal. An " ambush '' conference call is not allowed. Again, I need an immediate response to these questions. XXXX XXXX 's reply to you that she was unable to get information from the consumer is not a valid response, as the consumer, in this case, is my recently-deceased husband, a fact of which both Bank of America and XXXX XXXX are well aware. Thank you for any attention you can give this matter on my behalf.
Consumer complaint received 2022-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

I deposited a check for {$2300.00} on XX/XX/2022 in my SunTrust/ truest checking account. They put a hold on the check saying that it was for verification purposes on my side. The law says that no Bank can hold your money longer than six business days the customer service told me that the deposit was scheduled to enter my account on the XXXX of XX/XX/2022 they are breaking the law.
Consumer complaint received 2022-01-18
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-04-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

PORTFOLIO RECOV ASSOC is reporting a major derogatory item. I never had any XX/XX/XXXX XXXX credit card and they keep trying to charge for this debt as a third party collection agency for XXXX XXXX.
Consumer complaint received 2024-03-15
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: HW Holding, Inc (CA)

Subject : Formal Complaint Regarding Violation of Debt Collection Laws and Assertion of False Debt Claim Dear Sir/Madam, I am writing to file a formal complaint against Hunter Warfield for violations of the Rosenthal Fair Debt Collection Practices Act, the federal Fair Debt Collection Practices Act, and under the jurisdiction of the Consumer Financial Protection Bureau ( CFPB ). Additionally, I assert that the debt claimed by your agency is erroneous, and I do not owe the alleged amount. 

On [ date of first contact ], I was contacted by Hunter Warfield regarding a debt allegedly owed for XXXX XXXX XXXX. However, I want to clarify that I dispute the validity of this debt and assert that I do not owe the amount claimed by your agency. Despite my assertions, your representatives persisted in their collection attempts, thereby violating my rights under both state and federal law, as well as the regulations enforced by the CFPB. 

During our interactions, I observed several instances where your representatives disregarded the rights afforded to me, including : XXXX. Contact outside of permitted hours : Your representatives contacted me outside of the permissible hours as outlined in the Rosenthal Fair Debt Collection Practices Act, specifically before XXXX XXXX. and after XXXX XXXX. 
XXXX. Use of harassing language and threats : Your representatives used threatening language and implied consequences of violence or arrest, which is prohibited under both state and federal law. 
XXXX. Improper communication with third parties : Your agency attempted to contact third parties regarding my debt, violating my privacy rights under the law. 

Furthermore, I hereby request the following information as per my rights under the applicable laws and regulations : Documentation proving Hunter Warfields authorization to collect the debt. 
An itemized breakdown of the debt balance, including any interest charges and additional fees. 
The original creditors name, account number, and other relevant information. 
A copy of any contract or agreement pertaining to the alleged debt. 
I demand that Hunter Warfield ceases all collection activities until these violations are addressed and the requested information is provided. Failure to comply with these demands will result in further legal action. 

Please respond to this complaint within [ specify a reasonable timeframe ] to rectify these violations, provide the requested information, and cease collection efforts on the disputed debt. 

Sincerely,
Consumer complaint received 2024-03-16
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I had some items on my credit report that they keep reporting on my account and changing the amount and dates and its hurting my credit score, I never done business with this company or have I ever opened and account with them, I keep disputing it with the credit bureaus but they wont remove it I show them everything that I never lived there and they still wont help or removed it the company that reporting it on my credit says I have to fill out paperwork and then I have to wait 180 days for it to be removed this a long time this is hurting me from getting my house and any credit cards
Consumer complaint received 2021-04-07
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. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021, XX/XX/2021.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (VA)

You are in Direct Violation of The Fair Credit Reporting Act. discover bank, has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card a open-end consumer credit plan as late for any purpose. 
Remove this account and update my report as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2024-03-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (OH)

XXXX XXXX sent me an alert about a hard inquiry on my credit report. It was a JPMCB credit card that I did not authorize. XX/XX/2024 I contacted JPMCP and let them know that it wasn't me and they canceled the application but I still have the hard inquiry on my report and today is XX/XX/ 2024. I would like this removed please and Thank you very much
Consumer complaint received 2024-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (SC)

After weeks of no response. We finally received communication via a chat site. Mr. Cooper has increased my escrow by XXXX XXXX  per month for taxes. Trying to explain to them that I am a XXXX XXXX  and have no tax bill. They were mistakenly sent a tax bill from the county. Which I sent a check and paid. Now they are preparing for next year 's taxes ( that don't exist ) by charging me the extra fee. 
So unprofessional that I can not speak to them by phone to work out. As a retired XXXX XXXX and XXXX XXXX I am professionally embarrassed for them. 
Need help!
Consumer complaint received 2024-03-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (SC)

I had 2 paid off XXXX XXXX from XXXX. XXXX XXXX XXXX said if i give them the 2 phones, they will give me 2 new iphones on their network. I sent my paid off XXXX  to them and r months later they said they only received one. I told them i sent 2 in the same box. They kept both my phones so i kept the 2 they sent me. They charged me over {$2000.00} for both phones. Sold my debt to a 3rd party and every year it gets reported as a brand new debt so 7 years never goes away. I still have the reciept from sending them the 2 XXXX  i paid off.
Consumer complaint received 2024-03-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

On XXXX XX/XX/2024, someone opened a XXXX XXXX account using my credentials and PII. The initial deposit came from a check written by XXXX XXXX, XXXX. 

Recently my mortgage servicing company, XXXX, XXXX, XXXX XXXX ( " Lakeview '' ), reported a breach of confidential consumer information and sent an ID monitoring information sheet. 

I can not find the information sheet, and Lakeview 's telephone answering system disconnects my calls before I am transferred to a live customer service agent.
Consumer complaint received 2021-04-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Creditors Specialty Service Inc (PA)

Collector has called me and my family multiple times between XX/XX/XXXX and XX/XX/XXXX to attempt to collect {$840.00} for their client or their client was going to sue me for over {$2000.00}. 

This is stemming from a supposed auto withdraw I had set up with their client for {$60.00} every other week. They claim that last time they received a payment was XXXX. There has been no communication with me previous to this recent call barrage about owing this debt. They would not give me any details about the debt except the parent company 's name. The only arrangement I had like this was not with this company and satisfied some years ago. I also called the company, that I had this sort of arrangement with, on XXXX to validate that I owed nothing. 

When speaking with them today, I told them they either had the wrong person or this was just bogus. The representative I spoke with gave me the last 4 digits of my SS # but I would not validate that so she disconnected the call.
Consumer complaint received 2024-03-15
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Transactions where made from XX/XX/XXXX to XX/XX/XXXX that addded up to the amount of XXXX or more. I made a police report and faxed it to them and they aproved one of the transactions for XXXX but denied the rest of my dispute ive re opened the claims more them 7 times and still denied. And i need my money
Consumer complaint received 2021-04-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MA)

XXXX : XXXX XXXX XXXX " No SSN or Hard Credit Pull Required Typically for Pre-Qualification* '' on its website, but then did a hard credit pull without my authorization. I never gave them my SS # or my wife 's, in fact I do not even know her SS #, yet they seemed to have them on file already from a prior mortgage application ( with a different bank ), and used them to do a hard inquiry on both of our credit histories without our consent.
Consumer complaint received 2021-04-07
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: Experian Information Solutions Inc. (OH)

I have submitted a complaint with XXXX XXXX XXXX to dispute a debt they say I owe them. In response from another company XXXX XXXX XXXX XXXX they tried to explain to me why I must pay them. They provided me a notification of a debt letter from another company. How should I dispute the validity of a debt if the company that I must call is not XXXX XXXX XXXX? I received no notification from XXXX that I must dispute validation with them. They violated the Fair Debt Collection Practices Act and I demand you to delete that account from my credit reports.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Profit Recovery, Inc., Marlborough, MA Branch (GA)

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

I told XXXX, XXXX to reinvestigate these accounts : Account name : # XXXX in the amount of {$160.00}, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 2024-03-14
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Healthcare Finance Direct LLC. (FL)

XXXX XXXX XXXX went out business and did not provide the services or products that I was charged for. This debt is managed through a third party payment processor known as healthcare finance direct. They are threatening legal action and to send my account to collections for the outstanding portion of my debt held by XXXX XXXX XXXX. However, I never received equipment or services that I was charged for and I am unable to reach XXXX XXXX XXXX since they shuttered the company.
Consumer complaint received 2022-01-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (MD)

On XX/XX/2021, was contacted by unknown person @ XXXX stating I owed a debt that they were to collect. This was a XXXX and XXXX cellphone interaction that was offensive and did not end well. I attempted XXXX call-backs this day, in an attempt to verify the legitimacy of the caller. Prior to the next call of contact, on XX/XX/2021, I did not receive XXXX XXXX XXXX Notice via email or in-writing. On XX/XX/2021, @ XXXX, I had XXXX and XXXX cellphone interaction. Soon thereafter, I received an XXXX XXXX XXXX Notice via email, on XX/XX/2021 @ XXXX. A dispute was placed this very same date and time. This Debt collection entity has failed to provide accurate information verifying this debt, within the 30-days provided by law. This Debt collection entity has also failed to stop collections reporting after it has failed to provide verification of the debt within 30-days as provided by law and after I requested that he do so. Furthermore, this Debt collection entity violated the enumerated Debt Collection Validation Notice statute by failing to provide such notice ( electronic or written ) after initial contact on XX/XX/2021 ; in which, He was lawfully required to do so within 5-days of contact.
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (CA)

I am serious about the applicability and reliability in the recent study along with the missed payments pertaining to American Honda Financial with account number XX/XX/XXXX and exactly how it is reporting on my credit report as late. With Section 1681 ( g ) I highly recommend them to generate me personally with a detailed description of the procedure designed to verify the account is " accurate '' but no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report
Consumer complaint received 2021-04-07
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: EQUIFAX, INC. (NC)

Hello my name is XXXX XXXX. 

I submitted disputes over 40 days with no response from the credit agencies. 
listed below is the accounts i disputed with no response. 

Credit Bureau-XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX | XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Mailed on XX/XX/XXXX | XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2023-05-06
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. (UT)

XXXX XXXX XXXX and XXXX XXXX XXXX are in violation of my consumer rights by double charging for the same account and by double reporting the same account to third party agencies and also by sharing my information without my consented written approval. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.

Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a non affiliate third party any non public personal information, unless such a financial institution provides or has provided to the consumer a notice the complies with section 6803 of this title. 
Opt out ( 1 ) In general A financial institution may not disclose non public personal information to a non affiliated third party. Unless ( A ) Such a financial institution clearly and conspicuously discloses to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title. that such information may be disclosed to such third party.

( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. 
Limits on reuse of information Except as otherwise provided in this subchapter, a non affiliated third party that receives from a financial institution non public personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is non affiliated third party of both the financial institutions and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
Consumer complaint received 2022-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (MA)

Sunrise credit services has been recruited by XXXX XXXX XXXX to collect debt from a fraudulent account. 
I have attempted to reach out to Sunrise Credit to send me paperwork to dispute this fraudulent. 
I have also initiated an inquiry with XXXX XXXX XXXX, but haven't heard back.
Consumer complaint received 2021-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

I learned on XX/XX/25 that my home computer had become compromised with viruses. Shortly after, I had someone access me Bank of America account and make a series of fraudulent transactions, including using the XXXX service to send themselves cash. I filed a claim with BOA that day and froze the account. After BOA performed their investigation, which took the full 10 days ( any longer and they are forced to issue a temporary credit ), their analyst decided there was no fraud and denied my claim. We have lost over XXXX dollars from this cyber theft. They have not offered any support, have not contacted us during their investigation, and offered no info as to why they denied the claim. They also took zero proactive measures to protect me during this time. I had to address every fraudulent transaction as it happened. I have been a customer of theirs for over 14 years and I am disgusted that they are not willing to do right by us.
Consumer complaint received 2022-01-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (DE)

I had a credit card with XXXX XXXX in XXXX or XXXX. I was unable to keep paying every month. XXXX XXXX put the owed payment to a debit collector named Midland Credit Management LLC. I noticed that it was reported on my credit report, which I understood. Yesterday, XX/XX/XXXX I was served with court papers stating that they were suing me for the amount I owed which is {$790.00}. This morning XX/XX/XXXX I reached out to Midland Credit Management 's attorney who is handling the case and left a voicemail stating that The amount appeared on my credit already and I'm confused why am I being sued. I also said in the voicemail that I'm currently unemployed so I can set up a payment plan or something but I don't have the full amount.