davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In the past 6 months Bank of America have charged me over {$1500.00} in over draft fees. This has never happened before because, for the first time in my life, I became unemployed in the last two years and have struggled with managing money and now Im starting to realize how much they prey upon people having money problemsthey certainly never bothered me when I had a six figure salary. 

These fees have been triggered by delays in notifying me of low funds, weird time zone rules attached to different accounts that were opened in different time zones (!? ) all the way down to them charging me overdraft fees that then sit there without proper notification and then trigger further compounded overdraft fees. 

Ive contacted them multiple times about the fact that I havent been notified in time or times when I notice myself and transfer money and get the transaction covered in time within the 24 hours and they charge me anyway. Sometimes they dont notify me at all and it feels like theyre deliberately delaying over a day any notification so that they can charge me the fees anyway. 

In my uploads Ive included all of the fee information from a couple of my different checking accounts but also some time and date stamped email notifications from BOA that correspond to fees that date days after the charge has been incurred. 

I had read an article recently that an attorney friend sent to me about how theyre being investigated for such practices and because Ive tried 5 to 6 times to have them refunded and they refused I thought I would submit this here in an attempt to get my money refunded. Thank you for your help.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX NY XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I thought I had paid off the balance of a credit card, before closing an unused PO Box , but apparently a small balance was left. ( I have yet to receive a statement ) I was not aware of this balance until a potential employer asked me about an account " charge-off '' and ultimately turned me down for employment because of it. 

I attempted to contact the creditor by phone, but could not get calls returned. Finally, in XX/XX/2020, I was able to make a trip out to the HQ office, but was told I could not see anyone about it, that I had to go to a 'branch '. I did. They called HQ and got instructions for payment. I made the payment in the office through an automated teller. There was much confusion about how to pay a 'closed account ' but the representative assured me he would follow up with HQ and said that the credit reporting service should update my account to paid rather than " charge-off ''. Since the end of XXXX, I have filed disputes with credit bureaus who are still reporting the chargeoff. Each time, the dispute comes back with no change to the 'chargeoff '' status. 

Can you please help getting this lender to correctly report that I PAID the account when I became aware of it. 

Thank you.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: AXOS FINANCIAL, INC. (IL)

I recently obtained a copy of my XXXX credit report and found some unauthorized inquiries by Axos Bank listed. I reached out to XXXX to have them removed. I was instructed by a representative to contact Axos Bank and have them send me a letter that authorizes XXXX to delete the inquiries. I contacted Axos Bank and was told they can not issue me a letter because I am not it their system as a customer. I was then transferred several times and hung up on twice. I called back and finally a representative was able to, at least give me an email address to submit my complaint. I am in the process of purchasing a home and these inqiries are hurting my credit report.
Consumer complaint received 2024-05-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Mortgage Research Center, LLC (NY)

My mortgage was bought by a debt collector XXXX XXXX, from my original mortgage company Veterans United Home Loans. I never received a letter from XXXX about them buying my mortgage, and asked them to validate the debt, to show that I actually owed the debt after they purchased it. I asked for the original copy of the promissory note in a notarized letter to both mortgage companies, and they both only sent me a copy of the promissory note, that I and my wife signed at closing on XX/XX/XXXX. I did some studying and found that banks do not loan their assets, so there was no loan. The last Promissory note according to my research, is monetized as per title XXXX1 USC 5118 ( d ) ( 2 ) ,31 USCA 463 and public Law 97-258 ( XX/XX/XXXX. And in accordance with 31 USC 5103 and USC 8, such promissory notes are national Bank currency and thereby coin or currency of the United States, by rule of law, US Supreme Court, and private BAR association statutory Bylaws legal definition. Also 12 USC 1813. These laws clearly state that the Promissory note is monetized or in a lot of cases invested to make money with risk. Giving the above laws to both Veterans United Home Loans and XXXX XXXX, and asking them to verify or validate the debt has been without results, leaving me to where I am now. My last conversation with XXXX XXXX, was with a gentleman who said yes my debt was purchased by XXXX XXXX and that I was sent paperwork to validate the debt.i explained to him that there was no loan, I never signed a check or received a bank transfer to my bank account with the money to purchase my home, so where did the money come from? He just was silent on the other end of the phone and never gave me an answer. When I wrote to Veterans United Home Loans, and to XXXX XXXX, I included all the laws to back up my claim to not receiving a loan such as : 12 USC 83, 15 USC 1601,1602,1611, 1604, and 15 USC 1635. To this day, I have not received the debt validation I asked for and did not pay my mortgage as I told them I wasn't, until the debt was validated. My wife and I are arguing because of this and I would truly appreciate your help in resolving this issue. Thank you for your time.
Consumer complaint received 2024-05-13
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 (FL)

Columbia debt recovery is validating my rights by placing information on my credit report that is inaccurate. I have never done any business with any company that is associated with Columbia debt recovery and I have never signed any contract with that company either.
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I thought I had paid off the balance of a credit card, before closing an unused PO Box , but apparently a small balance was left. ( I have yet to receive a statement ) I was not aware of this balance until a potential employer asked me about an account " charge-off '' and ultimately turned me down for employment because of it. 

I attempted to contact the creditor by phone, but could not get calls returned. Finally, in XX/XX/2020, I was able to make a trip out to the HQ office, but was told I could not see anyone about it, that I had to go to a 'branch '. I did. They called HQ and got instructions for payment. I made the payment in the office through an automated teller. There was much confusion about how to pay a 'closed account ' but the representative assured me he would follow up with HQ and said that the credit reporting service should update my account to paid rather than " charge-off ''. Since the end of XXXX, I have filed disputes with credit bureaus who are still reporting the chargeoff. Each time, the dispute comes back with no change to the 'chargeoff '' status. 

Can you please help getting this lender to correctly report that I PAID the account when I became aware of it. 

Thank you.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CARCO Group, Inc. (GA)

Intellicorp ran a background check for the XXXX to renew my credentials. On the report an address was listed as belonging to my history and it is incorrect. I never lived there or used that address. 

Address in question is : XXXX XXXX XXXX, XXXX, FL XXXX Please have this removed from my history. Thank you.
Consumer complaint received 2022-01-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE
Consumer complaint received 2015-09-01
Product: Credit card — 
Issue: Credit determination — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Ref : Bank of AmericaI have been working with a loan modification since 2010 bank of america and since then bank has damaged my credit ; I have a credit card with the bank never paid late bank has reported on my credit file I filed Bankruptcy never did. Lender has denied me to reopen my account after I settled loan modification and has discriminated me on my credit application or denied credit. I explained never had or claimed bankruptcy and bank america still showing it on my credit report and refused to deleted error inf.. Can not apply for any credit card and my credit has been damaged by the bank.
Consumer complaint received 2024-05-13
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 ()

I've already had a lot of transactions in my account without any problems like this. There's this XXXX transaction ( XXXX XX/XX/2024 at XXXXXXXX XXXX XXXXXXXX, Amount : {$64.00} USD ) where the purchaser asked for a refund so I submitted the information asked on my side ( Sat, XX/XX/XXXX, XXXX ). The company then emailed me ( Sun, XX/XX/XXXX, XXXX ) that I needed to provide more business information, which I did and submitted the documents to their platform. NOW, unexpectedly and unjustly, the company permanently limited my account and provided incorrect information in the email, saying that my account is linked to another account with unresolved cases. I called their customer service a lot of times, and they just said that they couldn't do anything about it. Even XXXX of their customer service agents said that it might sound unfair on my side, which it is. Now, what I think here is a misunderstanding on the part of the part of the person who put the limit on my account or just triggered the automated system. I have emailed the company in their different emails and explained all of it without any response received from them for the past 5 days now.
Consumer complaint received 2024-05-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Healthcare Finance Direct LLC. (CA)

In 2022 I was getting charged for a year for XXXX XXXX XXXX which is bankrupt and now called Health Care Finance LLC. Health Care Finance LLC is still charging my card {$88.00} for treatment every month that is not being sent to me anymore. I have tried to dispute and put my account on hold and I've been told a multitude of different things. I just want to put a stop to these XXXX charges I still have left, for no apparent reason. If a company is bankrupt can they keep charging you? Please investigate. Thank you.
Consumer complaint received 2016-01-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (NC)

switched from XXXX to XXXX over one year ago, suddenly without legal notice recieved a collection hit on my credit reports from all XXXX major bureaus. When I attempted to find out why, I was given a false answer that i did n't turn in equiptment. I told them that I had the reciept for this and it was working just fine, the service rep for XXXX oh yes, I was correct and that they could n't find out what the money they wanted was from and they would have this removed from my credit reports at once. after 4or5 months it is back in collections with no further explanation. I have called XXXX after 3 months to make sure all bills were paid and they were completely satisfied at that time.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2022-01-20
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: CITIBANK, N.A. (MD)

Macy 's Account Account balance {$1700.00} Acct # : XXXX ( only have last four # ) In XXXX, I enrolled with XXXX XXXX XXXX XXXX XXXX  ) to consolidate and pay off all my delinquent accounts. XXXX tried on numerous occasion to contact Macys on my behalf, my account was not located per Macy 's, so XXXX dropped Macy 's off the program. I graduated from the program in XXXX, my credit has built up and in the process of buying a home. However, I was advised by the lender on XX/XX/XXXX that on XX/XX/XXXX, XXXX put {$1700.00} on my credit report. 

I contacted Macy 's XX/XX/XXXX to see how best they could assist me. I was advised by the representative that its an old account of 7 years and they can not make any negotiation at this point. All that's required from me at this point was to pay the amount in full and mail check/money order to there AZ office XXXX 

I think this is very unfair to consumers, because this account has reached its statute of limitation and several attempts was made to settle this account. Macys need to do a better job in training their out sourced staff, because if took a very very long wait and patience to get this information.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: E Mortgage Capital, Inc. (MN)

My wife and I are currently in the process of searching for a new home. On XXXX, XX/XX/24 our mortgage loan officer pulled our credit to start a new loan application. Since that time, my phone has been bombarded with over 100 calls and text messages from lenders asking for business. On XXXX, XX/XX/24 my dad reached out to me that he had been contacted by a lender searching for our business. He had received a text message to his personal cell phone that was a report ( prepared for me ) that included my name and credit score as well as several potential refinance offers if I was to choose that company. I reached out to my loan officer and he confirmed that the number on this report was my credit score from XXXX. I did reach out to the person listed on that report to ask why my information had been disclosed without my consent to my father. The individual I spoke to was very rude and dismissive, stating that he only used the information that his company had purchased directly from the credit bureau. In speaking with XXXX, the representative was unhelpful in determining why my father 's cell phone number would be linked with my report, but did offer to delete any other phone numbers. A freeze was placed on my credit report, and she also placed a fraud alert on my account.
Consumer complaint received 2015-03-30
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

In XXXX I refinanced my XXXX Mortgage Loan that originated in XXXX. I paid XXXX all required fees to complete this process correctly. Today I am selling my house and will lose this sale because XXXX failed to close the XXXX Loan once it was refinanced. The Closing Lawyer and myself have submitted the Lien Release request via email as instructed on this XXXX loan now in XXXX! Capital One took over XXXX. I went in person to Capital One. The only way to submit this request per Capital One is via email. I am not allowed to talk to a person! We will lose this sale which is suppose to close on XXXX/XXXX/XXXX because Capital One can not complete this request minimum 10 days to 3 months. The lawyer has provided the loan number and all necessary documentation! I can not believe with today 's technology that Capital One will not fix XXXX 's error within a timely manner! This should have not happened since it was suppose to be completely in XXXX and I paid all required fees and signed all required paperwork making it was done correctly. I am not getting any help or a person or person 's name that can help me with this time sensitive manner. The only response I get is an automated email saying they received my request! Capital One is not too concerned that the bank they took over collected fees and did not do the work. In other words they stole my money. Should they have legally provided services for something that was paid for and paperwork was done to complete the request.
Consumer complaint received 2022-01-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: GOLDMAN SACHS BANK USA (TN)

Ive had Goldman Sachs Apple credit card for a while. It advertised that customer is able to see the card in wallet and pay for purchases, as well as view transactions and make payments through the wallet. Last week my apple email which was also Apple ID was compromised as well as password. Apple worked with me to switch over to new email = Apple ID. Goldman Sachs told me that I cant change the email and the only option is to close the credit card and apply for new one as this is their policy. 

Also they will not mail me statements, I cant see my account in my wallet, I cant log in to compromised Apple ID and email. I cant view my transactions, I cant make payments, and they will not provide my real credit card number as the apple credit card has no numbers engraved on the actual card. 

I dont want to close my account and hurt my credit, I cant re apply as i owe the balance and their policy states that I have to pay off the balance before even applying. 

Please help me to have them update my email address and give me ability to see the credit card in my wallet again.
Consumer complaint received 2018-03-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (GA)

XXXX sold my account to XXXX XXXX after I started making payments to XXXX directly last month. XXXX XXXX has made no effort to send me any notices or information via mail, though they claim they've sent 3. They also have made no attempt to contact me via phone directly. They contacted a family member asking for me, when they should have no way of even having this family member 's phone number in connection with me. XXXX should have my phone number, so there is no excuse why they didn't call me first, or how they got my family member 's number or why they called them first.