davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-22
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: Crown Asset Management, LLC, Duluth, GA Branch (NE)

The debt collection agency listed below continues to contact consumer after being told to 'cease ' contact : XXXX XXXX XXXX XXXX , XXXX . 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXoll Free : XXXX : XXXXE-mail : XXXXXXXXXXXX : XXXX Contact : XXXX Email : XXXXXXXXXXXX XXXX : XXXXXXXXXXXX OfficeXXXX, XXXXToll Free : XXXXEmail : XXXXXXXXXXXXThe debt collection agency continues to contact consumer ( acct # : XXXX - XXXX XXXX XXXX ) who disputes owing the collection agency a debt. The consumer continues to receive letters from the aforementioned debt collection agency after notifying the agency ( in writing ) to cease and desist contact. Consumer wishes XXXX XXXX XXXX XXXX to 'cease ' all contact with consumer by mail and/or telephone after receipt of this dispute notification. Consumer does not owe a dept to XXXX & XXXX Services. Consumer has no fiduciary, contractual obligation to pay XXXX & XXXX XXXX anything. There is no payment history, nor products, or services that has been rendered to XXXX XXXX XXXX XXXX because these elements do not exist ; there is a failure of consideration and no valid agreement, contract or fiduciary obligation under federal law that requires payment to third-party debt collectors. Furthermore, consumer 's sole income is Social Security XXXX income which is federally protected income under Section 207 [ 42 U.S.C. 407 ] ( a ) of the Social Security Act, ( SSA ). Consumer is head-of-household and possesses no property of value. Consumer refuses to be a victim of 'unjust enrichment, fraud or extortion '. Consumer wishes to thank the Consumer Financial Protection Bureau ( cfpb ) for providing a venue of mediation, documentation and governorship over debt collection agencies that are under the jurisdiction of the Federal Trades Commission ( FTC ) and the Fair Debt Collection Practices Act ( " FDCPA '' ). Again, thank you.
Consumer complaint received 2016-10-26
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

This is a constant practice by Citizens Bank ( Citizens Financial Group Rhode Island ). I will pull my statement online and on that particular day I have a current positive balance. Knowing my payroll deposit is going to occur the very next day, I am not concerned knowing that there is a pending check that will be covered when or if it comes in the next day. However, when I pull my online statement the very next day I see that Citizens processed that check the day prior overdrawing the account even though I check the online balance the day before and it was positive. I have even printed my online statement which clearly shows the date on the printout and the positive balance and then the next days printout showing that check somehow mysteriously coming thru the day prior overdrawing the account and have taken it to the branch manager. They say they process checks all day and even though that check may not show up they had it and was processing it that day but I would not see it or know that. If a bank is spending an entire day to process a check then that check should not be processed until the next day. Do not fool customers by showing them a positive balance and then surprise them the next day and say " you did n't realize that all day we were working on that check but you could not see this so that counts as it actually being processed that day so thus we will charge you an overdraft even though your account clearly shows a positive balance all day ''. This bank is constantly being sued for its processes and I hope someone is looking into this backdating check scheme.
Consumer complaint received 2015-12-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (NJ)

I went into TD bank to close an account on XXXX. They took my bank card and confirmed that the account was closed. Over the course of the month of XXXX, they proceeded to keep the account open, and allowed multiple charges to go against it. When I came in to see why charges were being allowed against a XXXX balance closed account, they told me that they had closed the account incorrectly. The manager was not in, so the amount that I was refunded out of the over {$400.00} in overdraft fees was {$100.00}. I was told a manager would call me about the issue and help me get fully refunded. It is now XXXX and they have been allowing charges to continue to go through and are still charging me overdraft fees for an account that should n't exist anymore. I 've tried multiple times to get in touch with a manager and I 've been told they are not there or are busy and will call me back. I 've been attempting to get resolution on this for weeks now, and still do n't have closure on the issue. This bank is irresponsible and they are thieves. When the manager finally did call me back, he became very accusatory and nearly insinuated that I was trying to use the bank account even though I had asked that it be closed. The representative that helped me close the account lied and told his manager that I was solely asking him to close the debit card - which makes no sense whatsoever. They are trying to now charge me money on an account that should not exist. I 'm not getting any help with resolution, and the bank, which I 've had money in since I was a teenager, is now calling me a thief. I am still waiting for resolution on this after spending countless time and effort trying to get everything taken care of.
Consumer complaint received 2015-07-27
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: JH Portfolio Debt Equities, LLC (FL)

Today I was Contacted by XXXX from credit control at XXXX on XXXX/XXXX/15 for the purpose of a debt collection. She Previously called on XXXX/XXXX/15 XXXX and was unable to provide information substantiating a debt she was attempting to collect from XXXX XXXX When we first spoke I informed her that There exsist the possibility that I may be a victim of identity theft. To day when she called I informed I would not provide her with any verification information and to no longer contact me in regards to the matter or I would be forced to contact your agency and execute my rights under the law. I was very adamant and calm when I informed her of my wishes. XXXX informed me that the calls would continue despite my strict instructions that I do not want her to call my residence any more. To paraphrase her words, " it might not be me who calls but someone will call you. ''
Consumer complaint received 2024-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC (CA)

I have an account with XXXXXXXX XXXX, the place a hold on my account stating XXXX  has placed a hold and they are closing my account and they dont have a time frame for that unless XXXX  removes the hold. I spoke with XXXX  they said they reported my Banking Credit Report and have nothing to do with my account and my money into it. There customer support says otherwise and they didnt transfer my call to their supervisor and kept me on hold for one hour and then disconnected. There customer care/ security department doesnt have appropriate knowledge and they dont listen to the customer. 
I am on disability and not able to move around all my monthly instalments and rent payments are bouncing because of the hold without giving any reason. 
I have already applied for getting my XXXX  banking credit report which they say 15 days to process and another 30 days to settle the dispute and the bank says unless this is not resolved they wont give me money back. 

Please help me resolve this matter ASAP. 
My account number is XXXX and XXXX.
Consumer complaint received 2016-03-10
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: TMX Finance LLC (GA)

I have always paid on time and when I am going to pay late, I call the office and go in to fill out a form. My payment was due XXXX XXXX which was on a Saturday and they are no longer open on Saturdays. I went in to the office on Monday, XXXX XXXX to fill out a form and let them know that I was going to be late paying. On Wednesday, XXXX XXXX, someone came to my house and left a letter that they came by trying to get in contact with me. I spoke to someone from the office and no one can explain to me why this happened.They also took an unauthorized payment from me in XXXX.
Consumer complaint received 2015-11-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Total Card, Inc. (CA)

I have written, called the collection agencies requesting verification of this " debt they are reporting on my credit bureaus as belonging to me '' But, they keep giving me the round around and can not provide me with proof of the authenticity of this debt. I have already written, called, to no avail. I'v requested verification of this account confirming that is my debt or they need to remove this collection account from my credit reports.
Consumer complaint received 2020-09-10
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. (TX)

On XX/XX/20 I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. On XX/XX/20 your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect.This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ). To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete the negative items, as originally requested. Here are the items that you continue to report illegally. 

XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else remove these items immediately. 

Thank you
Consumer complaint received 2015-06-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

I have a mortgage with BSI Financial. Numerous times I have requested a loan modification. Several times I was in foreclosure and borrowed money to bring my loan current. Now I am in foreclosure again. I was forced to file a Bankruptcy last time in order to keep my house. Numerous times I send the qualify written request and no replies. My accounted has called the BSI everyday for the last week requesting a payoff statement. No payoff statement yet. Every time my accounted calls they inform him to leave a message for a person named XXXX XXXX who never once returned a phone call and or even replies to emails send from customer service. All I can say they are the worst servicing company. They are going to cost me my house.
Consumer complaint received 2020-11-26
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XXXX XXXX, XXXX, CAPITAL ONE BANK USA add a hard inquiries on my credit reports per XXXX  an XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiriy on my credit report per XXXX. The report does not include information about the creditor. 
On XX/XX/XXXX, US SM BUS ADMIN ODA add a hard inquiriy on my credit report per XXXX.
Consumer complaint received 2016-08-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

XXXX Account- In XXXX 2015 I decided to switch cellular carriers. I called XXXX customer service to start the portability process with the other company and at that time there was XXXX balance in my account but actually, there was a bill still pending to be processed. I never received a bill for the account settlement nor a phone call or text message and because of that, my account became delinquent. As a result of this, my account was referred to a collection agency and subsequently reported to the credit bureaus as a derogatory account on collection. I had a spotless payment history in my nine years with the company and once it was brought to my attention there was a pending balance I worked diligently to amend this and made the payment immediately. I have contacted XXXX and they have agreed to remove this derogatory mark in my credit record and to that effect, they sent me a letter stating so. I submitted a dispute ( with a copy of this letter ) to XXXX and Equifax , as of today, XXXX updated my credit file and removed the information pertaining to my XXXX account. Equifax , however, is not willing to accept the information I provided and my credit record with them is still showing the negative information. I have submitted this dispute to them 4-5 times, since XXXX 2015 to no avail. This complaint is about Equifax , not XXXX. Please find attached XXXX 's letter and XXXX Report.
Consumer complaint received 2017-01-22
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I was having financial trouble and asked for help from FIA credit card services ... they put me in a program which I was paying on in a timely manner, for a very long time. The program included automatic payments from my checking. I noticed that a payment had not come out for a credit card payment and called FIA to fix. I was told everything was okay ... then I noticed that FIA charged-off my account ... despite my willingness to pay. I called and asked why they did the charge off if I was willing to pay ... and they told me that I was in a special program and that they could if they wanted ... so their answer was " they could if they wanted. '' While this was going on, I was receiving collection notices from Bank of America ... I did not have an open BofA account ... So I thought they were in error. I hired an attorney and the only information she was able to find out ... was that FIA was owned by Bank of America ... as a consumer ... I did not know this and they did not tell me. They ignored my attorney - would not talk to her. So, I have been punished for an account that BofA purchased, then promptly charged off as soon as they could. I have since settled the account ... but it is annoying that they just charged my account off for one late payment. It shows that it was somehow profitable for them to do so. I think collecting under another assumed name ... BofA collecting for FIA was not ethical ... they should have informed me. Also, when I worked for Banks ... charging off was for accounts that could not be collected. I have been working diligently on the repair of my credit since. Can something be done about this?
Consumer complaint received 2021-09-01
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. (FL)

I sent a letter back on XX/XX/2021 in regards to some accounts that are not mine and I have yet to see the accounts removed or received investigation results from the credit bureau 's. 

I would like for you to review the letter and affidavit I submitted in regards to the accounts that do not belong to me.
Consumer complaint received 2015-05-12
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: Navient Solutions, LLC. (NV)

The General Revenue Corporation are repeatedly contacting my phone, my employers, and the landlord of the house I am renting. They call up to XXXX times a day re : a collection. This has now become a problem with my employers and the phone calls need to stop before I get fired because of them harassing my boss.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2015-08-31
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Rocky Mountain Recovery Group (IL)

On XXXX/XXXX/2015 at XXXX CST I received a voice mail from RMR. In regards to my Husbands ex wife. I informed them I have nothing to do with her. They stated that she provided my number. told them she does not have my number and this is a cell phone to never call it again. I instructed this is a cell phone and not to call it again. On XXXX/XXXX/2015 at XXXX CST I received a call and voice mail form another number regarding the same company and same matter. I called the number back spoke to a very rude rep who stated that i had to wait XXXX hours for my number to be removed. Was told the computer called me advised them since they were informed this was a cell phone with no authority to leave message or call they have violated the TCPA. i spoke with a XXXX XXXX who was very rude. I am being harassed over a debt that is not mine and i have nothing to do with.
Consumer complaint received 2017-02-05
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NY)

From XXXX XXXX to XXXX XXXX, XXXX XXXX XXXX XXXX phoned me four days in a row ( one call each day ) looking to collect the money I owe XXXX. The 4th time I told the caller that what they did is illegal. She responded by saying " I do n't know anything about that ''. I tell them that I am on public assistance.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-10-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY (NJ)

PROBLEM WITH TDBANK, I own a home valued at XXXX,, wanted to refinance at lower rate and only XXXX,, quoted 2.75 percent and XXXX points,,, started process XX/XX/XXXX,, everything faxed and refaxed multiple times,, no one reported for a period of time what was missing, then when they requested materia it was sent and resent. spoke to superiors multiple times,, closing was suppose to be XXXX XXXX,, on XX/XX/XXXX they extended closing to XX/XX/XXXX and raised the points to XXXX,,, the closing delay was their issue and only there issues.. trying or last 48 hours to go back to XXXX points but no response.. looks like they will wait to XX/XX/XXXX and raise the points again.. worse part is my personal and business account is with TD BANK,,, they are poor to respond and report what is missing and then appear to misplace it,,, i dont know what else to do, i have spoken to anyone reachable at TD BANK without any satisfaction. please help
Consumer complaint received 2015-11-24
Product: Prepaid card — Other special purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (GA)

Im a customer of rushcard, during the debacle from last month. I have to receive a merchant refund in the amount of XXXX that was credited to my card on XXXX XXXX 2015. Ive contacted Rush on numerous occasions regarding the issue. No one callled me back.
Consumer complaint received 2016-04-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

In 2012 I was contacted by Bank of America & the IRS indicating that I was being held responsible for an uncollected debt. That debt about of {$2800.00} was sent to the IRS and as a discharged debt for account # XXXX at bank of America. The IRS took the discharged debt as income for the 2012 tax year. Since then, I have provided the IRS will all the documentation showing that debt was n't discharged, it was a checking account that was turned over to attorney 's and I was sued for the entire amount which was paid in full. I provided all the documentation showing the account number, the amount and the attorneys that I paid the debt off to. They even provided a letter a satisfaction when the debt was paid in full. I made several attempts to provide this letter to the IRS ; however, I was advised to handle the matter with bank of America so they can notify the IRS of the Error. I have made several attempts for bank of America to correct the situation however they are n't owning up to their inaccuracies.