davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I use my XXXX  XXXX  credit card solely to benefit from the rewards program. I have pristine credit. I have a strong history of paying off my balances in full as soon as they appear on my statements. I receive paperless statements, which has not been a problem until recently. XXXX XXXX switched to Capital One in XX/XX/XXXX. I made a purchase in XX/XX/XXXX. I thought I had pause this balance in full in XXXX. I never received an email regarding an outstanding balance. I made another purchase in XX/XX/XXXX at XXXX XXXX and was expecting a statement, which I received in late XX/XX/XXXX. When I logged into my account, I saw that there was an unpaid balance and that I had been accruing late fees and interest on that balance for several months despite never receiving any email notification prior to this about a past due balance. I called Capital One and after spending over 45 minutes on the phone with various customer service representatives, they would only remove the most recent late charge and interest. I paid in full the outstanding merchandise total while on the line. A supervisor consulted with their technology team regarding the fact that I was not receiving previous email statements and that they were not in my spam folder either. I was then asked have you gotten a new phone recently? To which I honestly answered yes around the holidays in XXXX. Per the supervisor, due to my yes, there was nothing further they could do for me because the missing emails were as a result of a new phone. But yet I suddenly receive an email statement in XXXX after not doing anything within my phone to enable that?!! I have NEVER heard of such a thing as an excuse. I am fortunate that the over {$100.00} in fees and interest on a ~ {$300.00} purchase is something that I can easily afford but am infuriated to pay. Other consumers are not in the same position and this type of response is beyond unacceptable from Capital One. It is despicable. Consumers BEWARE!!
Consumer complaint received 2022-05-02
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Strategic Alliances, Inc. (OH)

Hi, I fell behind on a loan with XXXX XXXX. I due owe a debt to XXXX XXXX, that is not the problem. The problem was someone calling claiming to be a third party debt collection agency here in XXXX. The caller used a stage name and refused to contact me via email or US Mail. He also used racially-charged language and claimed he could show up at my employer if I didn't give him my credit card number. Also, he said that XXXX XXXX has charged off my account which is false. XXXX XXXX said I can simply begin to pay back the loan as my situation improves. 

The person in question is XXXX XXXX XXXX, XXXX XXXX at XXXX XXXX. He has been calling my underage son at his school. My son 's teacher answered my son 's phone XXXX XXXX XXXX made a threatening remark, hung up, and kept calling throughout the day. 
I am a retired XXXX XXXX and had to return to day work after my wife passed away. I was fired from another assignment simply because I was " overqualified '' and now am working three jobs just to make it by. I have made a video of XXXX XXXX XXXX and attached the video herein. He is a wanted felon out of the state of Illinois and moves from one HUD household to the other. I know where he currently lives, gets liquored up and where we frequent adult entertainment in XXXX, OH. 

XXXX XXXX XXXX
Consumer complaint received 2022-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

15 usc 1681a 15 usc 1681 section 602 15 usc section 604 Indcate inaccurate information on all consumer reports Indcate I have a right to privacy Indcate my information can not be sold or transferred without my consent
Consumer complaint received 2021-01-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was depositing a check from XXXX because he said that he will pay for an item that Im selling through XXXX with a check. A few days later, I got a phone call from my bank saying that the check was fake and because of that, the bank rejected the check and I was charged an additional fee.
Consumer complaint received 2022-07-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I sent correspondence to Bank of America on XX/XX/XXXX in regards to mishandling of Modification Application XX/XX/XXXX and duplicate/reversal payments reflecting from payment history for the period of XX/XX/XXXX - XX/XX/XXXX. 

Bank of America Rep XXXX XXXX ( XXXX XXXX ) responded to my complaint but did not come to the resolution expected. She could not provide an explanation as to why Bank of America took 18 months to complete the Modification application ( XX/XX/XXXX - XX/XX/XXXX ) and why I never was never approved for the HARP or HAMP program. XXXX XXXX did not provide proof of the duplicate or reversal payments, she stated these payments were probably due to return payments and could not show any documentation of returned payments. I explained I never submitted bad mortgage payments and verification is needed to back up her accusation. I never received copies of return payments. 

It is clear that Bank of America will not accept the negligent action of working with NACA to fraud me in the Modification process by prolonging the time it took to complete a Modification plan ( 18 months ). I will continue to work with legal representation to get a resolution. 

I am asking Bank of America to refund me for duplicate and reversal payments from the period of XX/XX/XXXX - XX/XX/XXXX in the amount of {$16000.00} due to non-documentation of return payments. 


Duplicate Payment for Months : XX/XX/XXXX - {$1100.00} ( XX/XX/XXXX was paid twice XX/XX/XXXX and XX/XX/XXXX ) XX/XX/XXXX - {$1000.00} ( XX/XX/XXXX was paid twice XX/XX/XXXX and XX/XX/XXXX ) XX/XX/XXXX - {$1000.00} ( XX/XX/XXXX was paid twice XX/XX/XXXX and XX/XX/XXXX ) XX/XX/XXXX - {$1000.00} ( XX/XX/XXXX was paid twice XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX - {$1000.00} ( XX/XX/XXXX was paid three times XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) XX/XX/XXXX - {$1200.00} ( XX/XX/XXXX was paid twice XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX - {$1200.00} ( XX/XX/XXXX was paid XX/XX/XXXX and XX/XX/XXXX ) Total : {$9000.00} XXXX - Reversal Payments : ( XXXX ) - XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; ( XXXX ) XX/XX/XXXX ; XX/XX/XXXX ; ( XXXX ) XX/XX/XXXX ; XX/XX/XXXX ; ( XXXX ) - XX/XX/XXXX ( XXXX Sheet Provided reflecting Bank of America Statement ) Total : {$16000.00}
Consumer complaint received 2022-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

My name is XXXX XXXX former XXXX ( XXXX ). I would like to file a complaint against HSBC for damaging my credit report. Account number XXXX belongs to my ex-husband XXXX XXXX XXXX to whom I've been divorced from since XX/XX/2019. Apparently, I might have been an authorized user of his card, but this has never been my account. I am not the owner I have made several attempts to HSBC to resolve this issue and I was told that they can not communicate with me because I'm not the owner of the account.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

Notice to all, I am that I am, the consumer in fact, natural person, original creditor, lender, executor administrator, holder in due cours, and for any and all derivatives thereof for the surname/given name XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding. 
Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever they may be, and I depose the following facts, so be it, now present : 3. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 4. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/ or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truthin commerce, so be it, and ; LIST CREDITOR ACCOUNTS HERE : XXXX  XXXX {$1000.00} XX/XX/XXXX XXXX  XXXX  {$720.00} XX/XX/XXXX
Consumer complaint received 2021-01-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2020, XXXX XXXX, 2020, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2020, XXXX. XXXX, 2020, BANK OF AMERICA add a hard inquiry on my credit reports. 
On XXXX XXXX, 2020, XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-10-07
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. (PA)

hello, the XXXX XXXX  account that appears on my XXXX XXXX and experian credit reports was charged off in XXXX in the amount of {$1100.00}. this account has shown this balance and never changed until XX/XX/XXXX where suddenly the balance changed to {$1100.00}. i have disputed with all 3 credit reporting agencies about this account for inaccurate reporting and each time it is verified as accurate when in fact the balance is not correct. each time the status date on this account has never changed as well so how can the account have properly been investigated? ive also requested proof of the balance as it is my right to have only verifiable information reported against me and it has been to no avail. also the information reported on this account does not match across all three reporting agencies so how could they in fact be properly investigating this matter?? if the information on an account can not be verified it must be deleted from the consumers report. it is a violation to report information on my credit file that is inaccurate and unverifiable. also there are inconsistencies between the agencies reporting this account like payment history does not match, missing payment history, date of first delinquency monthly payment and etc of which errors i have encircled and or highlighted in the documents i have attached to this complaint.. thank you for your assistance with this matter.
Consumer complaint received 2021-01-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Williams, Rush & Associates, LLC (TX)

I have a collections account that was purchased by XXXX XXXX  XXXX for an collections account for XXXX. I have been paying XXXX XXXX  XXXX and processed a settlement with them and Now I have William rush and associates calling me trying to collect on the same debt. I need validation on the debt with William Rush and associate, I need the original sign contract showing penalties that could possibly e applied to the org balance, papers showing the they are the legal of the owner of the debit. I have requested documentation and all they tell me is no, they will take me to court etc.

I need the William rush and associates account removed from my credit since I feel it is not a valid account
Consumer complaint received 2022-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I requested from each creditor a complete validation which includes the original contract with my signature on it. According to the FDCPA section 809 for validation. 
The creditors did not provide such documentation. The creditors are as follows, XXXX account no. XXXX .... 
XXXX account no. XXXX .... 
XXXX  account no. XXXX ..... 
XXXX XXXX account no. XXXX .... 
XXXXXXXX XXXX account no. XXXX .... 

furthermore according to the FCRA 15 usc section 602A i have the right to privacy all collectors did not abide by this law and 15 use section 604A section 2 states a consumer reporting agency can not report without my written instructions.

this was also violated
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (VA)

Synchrony Bank ( " bank '' ) caused a hard inquiry to appear on my XXXX credit profile without any legitimate basis which caused my XXXX XXXX to be reduced. When the bank failed to resolve the issue, I filed a Complaint with the CFPB ( Refer to XXXX ). That case was closed when the bank 's XXXX XXXX, issued her letter dated XX/XX/2022 dismissing my concerns and which provided irrelevant and condescending information regarding the difference between hard and soft inquiries as well as XXXX XXXX and an actual credit reporting entity. I responded to the bank and used this to reopen my case. Attached is a copy of my letter with attached copies of the referenced XXXX XXXX letter and a copy of the actual hard inquiry. I have also referred the handling of this matter to XXXX XXXX, XXXX and XXXX or Synchrony Financial.
Consumer complaint received 2022-12-04
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: Experian Information Solutions Inc. (CT)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 States It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following accounts : XXXX XXXX Account number : XXXX Balance : {$0.00} XXXX XXXX XXXX Account number : XXXX Balance : {$0.00} XXXX XXXX Account number : XXXX Balance : {$0.00}
Consumer complaint received 2021-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XXXX XXXX I called Transunion about 2 inquiries on my credit report that were not valid which were XXXX  from XX/XX/2021 and XXXX  XXXX XXXX XXXX XXXX costumer service would not help and take care of the negative inquiries reporting to my credit report.
Consumer complaint received 2021-01-29
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 (WA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, XXXXXXXX XXXX  XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, CAPITAL ONE AUTO FINANCE add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-05-01
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: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX account # XXXX has violated my rights. 

15 USC1681 Section 602 States I have the right to privacy.

15 USC 1681Section 602 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

This is a violation of the No Surprises Act.
Consumer complaint received 2022-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In accordance with the Fair Credit Reporting act XXXX  Accounts " XXXX XXXX/XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and all other hard inquiries that are not associated to any current or pre-existing accounts has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 a account without my written instructions
Consumer complaint received 2024-09-08
Product: Prepaid card — General-purpose prepaid 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)

I, XXXX XXXX, wish to complain to help resolve a claim denied reconsideration of my Bofa visa ending XXXX, and a dispute of 12 transactions totaling {$100.00} initiated as non-fraud initiated XX/XX/XXXX to the claims dept. at phone number XXXX. 
Bofa claim number XXXX. 
The claim was denied about the requested additional information describing the transaction not found even though I submitted the document by fax even on time to fax number XXXX. 
The 12 purchases that posted a debit in error on my account as follows : 1 ). XX/XX/XXXX lift right debit {$12.00} is it billing error for this purchase I did not make or give permission to deduct money from my account. 2 ). XX/XX/XXXX XXXX cell service purchase a {$22.00} for cellular service that did not work with the device that was unable to use the cell service to reverse returning the funds. 3 ) XX/XX/XXXX XXXX XXXX  posted for cancellation fees in air for these four transactions not done by me {$7.00} 4 ) {$1.00} XXXX ) {$5.00} 6 ) {$3.00} 7 ) XXXX XXXX XXXX XXXXXXXX debit {$21.00} purchase air not done by me I gave no one permission to use my account. 8 ) XXXX / XXXX XXXX XXXX  debit {$6.00} for cancellation fee not authorized posted an error because I gave I did not make the transaction or give permission and receive no ride or request. 9. ) XX/XX/XXXX XXXX XXXX {$6.00} for a cancellation fee I did not make a request for and give no permission to use my account 10. ) XX/XX/XXXX XXXX XXXX {$4.00} or a cancel fee I did not make or give permission to charge my account 11 ) XX/XX/XXXX XXXX XXXX  {$10.00} for a purchase request I did not make and I did not receive a ride or give anyone permission to use my account this transaction is unauthorized. 12. ) XXXX XXXX debit of {$1.00} for cancellation fee that I did not get permission to or make any requests for. 
The denied 12 transactions because of the additional information needed in writing to describe the transaction wasn't found the claims research department debited my account for the temporary credit that was issued previously and made my account in the negative $ XXXX and for over a month now and denied too quickly about overlooked information that was in the past month submitted and still the claim hasn't been resolved and repaid resolving the negative balance
Consumer complaint received 2021-01-29
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: OneMain Finance Corporation (WA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/, XX/XX/, ONEMAIN FINANCIAL add a hard inquiry on my credit reports. 
On XX/XX/2020, XX/XX/2020, XXXX  XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-12-12
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: Stellantis Financial Services US Corp. (NV)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.