davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Fraudulent Charge Details : XX/XX/2021 - XXXX - XXXX XXXX XXXX / Reference # XXXX / Posted on XX/XX/2021 for an amount of {$59.00}. 
There was a fraudulent charge posted to my XXXX  XXXX 's Visa credit card account which is managed by Bank Of America. After I had noticed the charge on my online statement, I had notified the bank of such. 
I have had this fraudulent charge opened and " investigated '' now seven times without proper resolution as each time it has been denied without any explanation or detail as to why.

I have requested from the bank for information and documentation about the charge, the order, and the merchant seven times without it never once being provided. 
The bank representative on the phone was never able to tell me any details of the merchant, I never receive a phone call from a supervisor about the merchant, and I have never received any detailed paper documents of the merchant or the charge/order. Each time, the representative says that they have submitted for the documentation to be mailed to me or a supervisor to call me, but no response ever comes. The bank once claimed to have a package with a USPS tracking number, but has not provided the number nor what the order or the contents were supposed to be. 
To be clear, as I had told the bank, I did not place nor authorize any such order and I have not a clue what it is supposed to entail. I have not received any such kind of package/order and have no documents of such. I do not even have a XXXX account nor do I do any business with them on any sort of regular basis and I certainly do not know who or what XXXX XXXX is. I truly do believe this charge to be some sort of scam and I am completely frustrated with the bank for not giving the claim its due diligence or proper communication to me. 
As such, I have no information or details of the charge, order, or merchant other than what has been posted to my account which has been provided above this writing. 
This charge has been in on-going dispute since around that time and the most recent denial letter was posted to me on XX/XX/2021, received on XX/XX/2021. As I am not able to have any effective communication or resolution with the bank, I am reaching out to you, the CFPB, for help and I thank you in advance for any and all help you can provide.
Consumer complaint received 2021-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION (MD)

XXXX XXXX XXXX XXXX XXXX XXXX, md XXXX XXXX XXXX XXXX XXXX XX/XX/2021 dear sir/madame, i want to make a complaint about the navy federal credit union. i am coming to you because no matter how many times i discuss my concerns worries with them and make formal complaints they ignore them. i recently made a complaint with the better busines bureau but i received no response from the credit union. 

on yesterday XX/XX/2021, i checked by account and discovered {$2800.00} was debited into my saving account. i knew right away it did not belong there, so i called the credit union to report their error, once again. it took several calls for them to take the money out of my account and place it with the people that it belong to. 

their attitude was " it was just a mistake, XXXX XXXX '', she then tried to blame the irs no, because i only used that credit union for my mortage. the errors they made with my mortage has put me in financial hardship. they dont care if they mess up our money. 

my son, XXXX XXXX, told me he had the same mortgage problem with them concerning his money. this {$2800.00} error is serious to me. it should'nt happen. with a large organization as the nfcu. there sould be auditers, cpa 's and/or accountants so our money will go into the right accounts. just think if i had not discovered the error the person that money belong to could've been hurting, like i was when the made the huge mistake in my mortgage and escrow payments. why are they making errors with people 's money. i recommended my son to this credit union to handle his mortgage but the error with him was over {$6000.00} per my understanding. i am only mentioning my son to let you know there is a history or habit that the nfcu has with mortgage programs. 

i pay extra to principle and escrow every month from {$130.00} to XXXX for principal and {$20.00} to XXXX to escrow. they paid out to my home owners insurance XXXX in XX/XX/2021 then they said they received another bill for XXXX in XX/XX/2021 so they paid.again, that time that payment put me in a in a deficient. they said i was short XXXX so they took my mortgage up from XXXX {$910.00} i couldn't afford a {$70.00} increase. they dropped it to {$900.00}. 


these errors shouldn't happen. when we trust the credit union with our mone and mortgages we expect top notch wervice, but we are not getting it. the worse part is they don't care. 

i am requesting a response back and a remedy so i know it won't happen again. 
i worked 32 years with DoD, had i made mistakes like that i couldn't stayed there. 

Respectfully, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I want to inform the 3 Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) 3 CREDIT BUREAUS are required to REMOVE any accounts listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (NC)

I am eligible for payment from the Santander multi state settlement due to unfair business practices and also paid off the account I had with Santander. I received written correspondence from both the Attorney General regarding the payment that is due to me as well as a letter from Santander that states my debt was settled and paid in full. I have contacted XXXX, and XXXX  several times providing this proof, however they refuse to correct my credit report and it is negatively impacting my credit worthiness. I have attached copies of the documents provided to all three credit bureaus and demand that my credit report be corrected immediately.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2020-09-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc. (GA)

XXXX XXXX  failed to prove their account belongs to me. While in the process of validation the account was sold to Associated Credit Services.

Associated Credit Services has also fail proving their account belong to me. Neither XXXX nor Associated credit Services are Holders in Due Course. 

XXXX reported a balance of {$100000.00} and Associate Credit Service reported a balance of {$97000.00} each reporting the same account numbers.
Consumer complaint received 2022-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

To whom this may concern, This company charged my credit card multiple late fees though my card was always paid before the due date. I was charged a late fee during three separate months. If you review the account, payments were made between the due dates ( 2nd of every month ), and even multiple payments were made at times, but still charged. After calling ( FYI, they have no live option or messaging services to assist. ), I continue to be told that nothing can be done. I have proof, even from Capital One, that my payments were before my due dates yet they still would not refund my fees. 

Since around XXXX, I also reached out to the BBB but to no avail. I have stopped paying my two credit cards in hopes that someone will assist with the unjust fees, yet they have not cared to reach out until recently. I was provided with " New Settlement Offer '' emails yet when I called XX/XX/XXXX it wasn't an option. 

On XX/XX/XXXX I called to get a total of all late fees and interest on the cards and pay off both accounts but was only able to settle the XXXX account. I called on XX/XX/XXXX to speak to a different department about the XXXX card for the same results, yet they could not use my Capital One 360 account for payment, so it remains unsettled. I also have been hit with well over a XXXX point dip in my XXXX XXXX and now the threat of collections. 

I do not have access to all statements at this time ( Capital One has blocked access ) but to date this is the closest estimate of unjust charges : XXXX card : Total late fees : {$220.00} / total interest ( from XX/XX/XXXX - XX/XX/XXXX ) $ XXXX Savor card : Total late fees : {$100.00} / total interest ( from XX/XX/XXXX - XX/XX/XXXX ) {$230.00} Grand Total ( rounding ) : {$610.00} FYI Grand total at the time of my initial request was around {$80.00} ( this was before my 3rd unknown late fee of XX/XX/XXXX ). 

I can attach documentation upon request.
Consumer complaint received 2023-06-25
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. (NY)

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 the XXXX, Transunion and XXXX to reinvestigate these accounts : Account name : 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 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 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 suppose to modify accounts that isn't reporting correctly. 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Consumer complaint received 2021-03-23
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

On Friday, XX/XX/XXXX, XXXX XXXX PST, I walked into the XXXX XXXX Nissan for a test drive and soft check quote of a XX/XX/XXXX XXXX XXXX. The appointment was with XXXX XXXX, a salesperson on staff at the XXXX XXXX Nissan. The appointment proceeded with a test drive, and midway through our drive, I asked XXXX if he would be willing to do a soft check to get me a quote ; however, I was not interested in hard credit checks today as it was not within my capacity to buy today. XXXX indicated that a soft check quote was possible. We drove back to the dealership ; I sat down, and after much discussion and reminding XXXX that I was not interested in a hard credit check, XXXX brought me a paper to sign. He said, " I'm going to get you a quote directly from Nissan in order to get your rate low, '' and " I need you to sign this to confirm your work history and previous address. '' I asked him, " this is not a hard check, is it? '' He said, " no. '' Unable to easily read the document due to its excessive coping, I signed the document with XXXX XXXX reassurance, trusting what he said was true. The next morning I received a text message notification from an unrelated company which indicated that a hard credit inquiry was done by Nissan. As it was now Saturday at XXXX XX/XX/XXXX, I planned to call back on Monday to rectify the situation. Monday evening, after 3 attempts to reach a manager, I was told that a manager was not in, even though a previous representative indicated one was in their office. After this third failed attempt to reach a manager, I received a call from an unknown number ; it was XXXX XXXX. This conversation took place at XXXX XX/XX/XXXX. Throughout the conversation, I was ridiculed by XXXX that when he said, " I'm checking with Nissan, '' that means the same thing as me giving permission to run a hard check. Obviously, he failed to address his fault in that when I asked, " XXXX, is this a hard check '' he lied to me by answering " no. ''
Consumer complaint received 2021-03-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

I opened a joint account with my son because he was a minor and got his first job with XXXX and needed to cash and deposit checks. Everything was going well until he was contacted via XXXX by someone stating that they would pay him to post ads to promote their XXXX XXXX and he needed to give them his account information so that his checks could be deposited into his account. XXXX gave them his account information. When it was time for him to get paid on XX/XX/2019 he noticed money was being deposited into his account but the money was being removed no sooner that it was deposited. XXXX called me from school to advised me what was going on but by then it was too late. I tried contacting XXXX XXXX XXXX with no prevail. This was a joint account and my son was a minor taken advantage of and scammed and now we are on the hook for money we are not responsible for. I would like for my account to be restored because I have a Candle Company and I am a XXXX XXXX y trade I really need my Bank account
Consumer complaint received 2023-03-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (FL)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2021-03-23
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: CAVALRY INVESTMENTS, LLC (CA)

I received a letter now several years ago from XXXX XXXX XXXX that indicated their intent to file a law suit over a XXXX credit card debt with XXXX. Cavalry, LLC works with " XXXX '' XXXX XXXX as a predatory collection agency bthat uses law suitsa to harrass and malicioulsy attack consumers who may have experienced hardships. When I contacted them abouty making small payments as I have with other creditors, they demanded I pay the entire amount or payments clearly designed to threayen and intimidate consumers such as myself. 

They showed no respect, courtesy or interest in making a small payment arrangement especially in the time of the covi d pandemic when many including myself are undergoing sigificant hardships. This company uses aggressive and threatening legal tactics, and makes no attempt to work with consumers launching into lawsuits as a way of bullying and mistreatment.
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC XXXX XXXX XXXX PO Box XXXX XXXX, PA XXXX To whom it may concern, I am writing to update my personal information. There are some mispelled incorrect names that are on my credit report and there are some fraudelant addresses that I've never lived. Please remove all fraudelant addresses and all incorrect mispelled names. The incorrect information is as followed. 




Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Name : XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Correct Address : XXXX XXXX XXXX # XXXX XXXX MA XXXX
Consumer complaint received 2021-03-23
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. (AZ)

In XX/XX/XXXX a creditor submitted a delinquent account to my credit account. My attorney disputed the account with the company and I did as well. I also disputed the account all 3 credit agencies. The account was removed. It suddenly appeared again last month. I contacted the creditor directly. Per XXXX 'we closed the account in XX/XX/XXXX and have not reported to the bureau since ''. I relayed the information to Experian to have the account removed permanently. After spending 4 hours over 2 days speaking with 8 representatives 2 of which purposedly disconnected me I still got not results. They are listing an account on my credit report that has nothing to do with XXXX Bankruptcy. The account happened 4 years later and was resolved in XX/XX/XXXX per the creditor. Their negligence is preventing me from leasing an apartment. I want this resolved. Can you assist me please?
Consumer complaint received 2023-02-24
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. (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 155 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights 15 U.S.C 1681 section 602.A States I have a right to privacy 15 USC 1681Section 604.A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other that records of conviction, other that records of convictions of a crimes which antedates the report by more than seven years 15 USC 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 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Upon reviwein my credit repoirt I have identified certain information that is reporting incorrectkly. Please make sure that the only information that is reopirting in my credit report is the one mentioned stated below : 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  Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all tel ; ephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
I expect you to delete these negative accounts and provided me with an updated report within 30 days in accordance to the FCRA. 

( I don't recognize this following addresses ) 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
Consumer complaint received 2021-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Revolut Technologies Inc. (NY)

I had difficulty using my debit card - transactions were declined both at merchants and at ATMs. The bank 's customer service kept asking to try again and again, with screenshots to show that the card is not working. They even asked me to go to a ATM right away or to make a purchase right now, when all I was asking was for them to send me a new card.