davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-27
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: CAPITAL ONE FINANCIAL CORPORATION (DE)

Hello and thank you On XX/XX/, I noticed a charge on my XXXX credit card ( Company is Capital One ) when viewing transactions online, that a charge, {$22.00}, was made XX/XX/ which was not my doing. I called the credit card company on XX/XX/XXXX, they documented the information I shared which was that this is not a charge I made nor a merchant know/have been. I told them I had the card in my possession so they then instructed me to shred as they were sending a new card. I received 2 letters dated XX/XX/XXXX  from Capital One : 1st one : confirming they have mailed the new card and that they have put a temporary credit 2nd one : states that they found insufficient evidence of fraud because information discovered leads them to believe that I or another account user benefited from the transaction. 

I immediately called again to dispute this letter because I did not make the charge nor authorized anyone else to do such a thing. They were very rude and abrupt and literally called me a liar. 

I really didn't want to pay for it however do not want my credit to be affected. Please is there something you can advise. Thank you.
Consumer complaint received 2019-01-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I made a XXXX transfer for {$2300.00} from my bank of America checking account which in error was sent to the wrong account. Once I was aware of the error I contacted Bank Of America online services regarding the error. I was told the process could not be stop at that time but once the transaction was complete they would be able to retrieve my money back. The next morning I went into a BANK OF AMERICA Branch I spoke with a bank representative regarding this matter and was told that there was nothing he could but file a claim. I told him I has filed one already so he check the status and said it was still processing and once it was complete they could retrieve my funds. After a few days when my money was not place back into my account I called a online representative and then I was told that they was not able to make contact with the account holder in which the fund was place their was nothing else that they could do because it was a third party transaction and that I would have to contact the account holder. I do know the person who account the FUNDS was deposit and BANK OF AMERICA refuse to provide me with that information. BANK OF AMERICA states it has no responsibilities or liabilities to protect its customer from fraudulent XXXX transaction and XXXX in error transfer because XXXX is a third party. XXXX is a U.S. based payments network owned by XXXX XXXX XXXX. A private financial services company owned by the banks. In which BANK OF AMERICA is one of the owners. My money transfer was not a third party transfer XXXX is part of BANK OF AMERICA.
Consumer complaint received 2023-10-23
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. (TX)

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that this account has not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. XXXX XXXX XXXX XXXX XXXX : {$14000.00} ; XXXX XXXXXXXXXXXX XXXX Balance : {$1800.00}.
Consumer complaint received 2023-07-25
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. (WI)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told XXXX, transunion, and XXXX to reinvestigate these accounts : XXXXXXXX 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 are not reporting correctly.

15 USC 1681 sec. 602 A. states i have the right to privacy.

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

15 USC 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 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. Everything being reported is inaccurate and i have never given written instructions to report anything from the beginning of the very first date they started reporting according to 15 USC 1681b
Consumer complaint received 2023-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

A few weeks ago, I submitted a request to increase the credit limit associated with my corporate business account. Today, on XX/XX/2023, I contacted customer service to inquire about the status of the request. I was informed that a representative from the bank tried to contact me on XX/XX/2023. Unfortunately, I missed that call as I do not answer calls from unknown numbers. 

As a business owner, I often have a busy schedule and can not always be available at a moment 's notice. Additionally, I hold the status of a platinum with honors reward client, and I believe that should have warranted special attention and consideration. It is my belief that, under these circumstances, leaving a voicemail should have been a standard practice. 

I am deeply concerned that Bank of America 's handling of this matter may constitute a violation of privacy and data protection regulations that are put in place to protect customers ' personal information. 

The fact that I was not notified by any correspondence regarding the attempted contact and that the representative did not leave a voicemail or provide any other contact details further exacerbates my concerns. 

I would like to request that the bank conducts a review and investigation of their credit department to ensure compliance with privacy and data protection standards. 
Additionally, I believe the representative involved with the call on XX/XX/2023 should receive coaching to improve their communication practices. 

As a loyal and valued customer, I trust that Bank of America will address these issues promptly and take the necessary steps to safeguard consumers ' privacy and data. I hope that my complaint will be taken seriously, and appropriate actions will be taken to rectify the situation.
Consumer complaint received 2023-07-26
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: FC HoldCo LLC (VA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Account # XXXX I did not give Flagship Credit Acceptance LLC my consent to report my information to any non-affiliated third party. You furnished the information to the consumer reporting agencies not the other way around. Before my personal information is furnished, I was supposed to receive 3 disclosures.

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal house purposes. Their inaccurate reporting has damaged my livelihood and reputation and is causing actual damages. 

I have recently come across information from the Federal Trade Commission website, more specifically the Graham Leach Bailey Act & Truth In Lending Act which I attached below.

15 U.S. Code 6802- Obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) OPT OUT ( 1 ) IN GENERAL Afinancial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S. Code 1605 - Determination of finance charge ( a ) Finance charge defined ( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.

Lastly, this account is passed the statue of limitations and must be DELETED from all consumer reporting agencies immediately. 

A written response is attached below.
Consumer complaint received 2019-01-10
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. (NY)

To Whom it May Concern : XXXX is furnishing inaccurate negative information to the credit reporting agencies in violation of the FCRA. On XX/XX/XXXX, I pulled my credit report in connection with applying for a mortgage. My credit report indicated a collection from XXXX for a debt with an alleged date of first delinquency of XX/XX/XXXX that was assigned to XXXX from XXXX XXXX XXXX on XX/XX/XXXX. This debt is not valid. I do not owe this debt and it is being reported illegally. I fully complied with my lease with XXXX XXXX  and left my rental apartment in the same condition that I received it, per the terms of my leasing agreement. I did not owe any outstanding balance when my lease ended and I vacated the apartment. When I received a cleaning bill from XXXX XXXX, I contacted the management company ( XXXX ), as well as its Attorney, XXXX XXXX. I sent several emails attaching photographs of the apartment as I had left it and asking for evidence that the apartment required a cleaning fee for anything beyond normal wear and tear. XXXX XXXX provided no evidence to justify its bill despite our requests. My wife, an attorney, also left two voice mails for Mr. XXXX, as noted in the attached email chain. 

Since XX/XX/XXXX until XX/XX/XXXX, I heard nothing from XXXX XXXX XXXX or XXXX. I never received a debt validation notice despite the fact that my wife and I have had the same phone numbers and emails since XXXX. 

As a result of XXXX inaccurate furnishing and other FCRA violations, I am suffering monetarily and emotionally. I am currently trying to get a mortgage and have been advised by my bank that this collection is negatively impacting my credit and resulting in a significantly higher interest rate. I need this invalid collection to be deleted from my credit reports immediately.
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I recently received information indicating that my identity has been stolen. I filed a report with the FTC and contacted both XXXX and XXXX to review my credit reports and set a lock and a freeze respectively. 

I tried tocontact Equifax to review my credit report and then place a lock or freeze. I tried to use Equifax website and was locked out. I called and was disconnected with no option to talk to a human. 

Equifax apparently has errors in my credit report because I cant get the answers to the security questions right PRESUMABLY BECAUSE OF ERRORS ON MY REPORT THAT I CAN NOT ACCESS TO REVIEWa report I am legally entitled to review. 

Since Equifax won't give me access to a human, i can not resolve this issue.
Consumer complaint received 2023-07-25
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. (VA)

I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable XXXX.
Consumer complaint received 2023-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (NY)

I have a bank account with chime and I received a refund from the merchant XXXX  and never received it back in my account I disputed the amount more then a month ago a chime still have not credited my account I I received an email from XXXX as well as I reached out to them and was told over the phone that I received a email. They also sent me a direct message saying that a refund was definitely processed and the money is no longer with XXXX it was sent to the bank
Consumer complaint received 2023-07-26
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. (NY)

I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 

XXXX XXXX
Consumer complaint received 2023-07-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (FL)

This is a fraudulent collection that was already resolved by CFPB and has been now sold to another collection agency. Same amount same everything just a different collection agency. It keeps on coming up every few month through a different collector. Will it ever end? It was never me I never had anything to do with XXXX. Thank you XXXX XXXX Account name XXXX XXXX  Account numberXXXX  Account type Collection Responsibility Individual Date openedXXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$1600.00} Balance updatedXX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$1600.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Now it opened again XX/XX/XXXX XXXX XXXX XXXX XXXX 
Account number XXXX
Consumer complaint received 2023-07-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (ID)

PHH mortgage is my lender. 

The company charges a XXXX $ " Included Draft Fee '' when making an additional payment. 

An agent with the company told me that if I was included in paperless I would not be subject to the Included Draft Fee. 

I feel like people should be entitled paper copies of their mortgage statements AND not be subject to an additional fee when they are already paying hundreds of thousands of dollars to their mortgage company.
Consumer complaint received 2023-07-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: BCA Financial Services, Inc. (NJ)

I want to make sure this company charged my insurance for the claim pending. Please have customer support help me address the collections on my account. While I was sick  I had to go to hospital and have XXXX in which the collections are coming and I have medical insurance to cover my bills.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: General Motors Financial Company, Inc. (PA)

GM financial appears on my credit report. The info is incorrect is not mine and despite many times now asking for it to be removed the bureaus investigation is never done correctly or at all so items never go away or reflex proper info
Consumer complaint received 2023-07-27
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. (DE)

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. 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 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. 
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 XXXXXXXX
Consumer complaint received 2023-07-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

I had my loans serviced through XXXX who then sold them to a different loan servicer. The history of my loan with fed loan has been lost. I was never contacted about this change or who my new servicer is. I contacting multiple services. I finally figured out where my loans are being serviced currently, XXXX. I have not received any response from the new servicer after I submitted my request for repayment on XX/XX/XXXX.
Consumer complaint received 2019-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NCC Business Services, Inc. (NY)

To Whom it May Concern : NCC is furnishing inaccurate negative information to the credit reporting agencies in violation of the FCRA. On XX/XX/XXXX, I pulled my credit report in connection with applying for a mortgage. My credit report indicated a collection from NCC for a debt with an alleged date of first delinquency of XX/XX/XXXX that was assigned to NCC from XXXX XXXX XXXX on XX/XX/XXXX. This debt is not valid. I do not owe this debt and it is being reported illegally. I fully complied with my lease with XXXX XXXX  and left my rental apartment in the same condition that I received it, per the terms of my leasing agreement. I did not owe any outstanding balance when my lease ended and I vacated the apartment. When I received a cleaning bill from XXXX XXXX, I contacted the management company ( XXXX  ), as well as its Attorney, XXXX XXXX. I sent several emails attaching photographs of the apartment as I had left it and asking for evidence that the apartment required a cleaning fee for anything beyond normal wear and tear. XXXX XXXX provided no evidence to justify its bill despite our requests. My wife, an attorney, also left two voice mails for Mr. XXXX, as noted in the attached email chain. 

Since XX/XX/XXXX until XX/XX/XXXX, I heard nothing from XXXX XXXX/ XXXX or NCC. I never received a debt validation notice despite the fact that my wife and I have had the same phone numbers and emails since XXXX. 

As a result of NCCs inaccurate furnishing and other FCRA violations, I am suffering monetarily and emotionally. I am currently trying to get a mortgage and have been advised by my bank that this collection is negatively impacting my credit and resulting in a significantly higher interest rate. I need this invalid collection to be deleted from my credit reports immediately.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. The balance on my credit report is not the same balance I have with the original creditor. Furthermore, I was never sent correspondence notifying me that this account was sold to PORTFOLIO RECOV ASSOC which is another violation. I received nothing in the mail leading up to this collection being reported. This account was added in XX/XX/2018. I am requesting a copy of the correspondence mailed to me during that time informing me that I had a debt with your company. If you can not provide this, then this is another violation. According to the FDCPA Im entitled to XXXX dollars per violation. I demand this company to delete this account from all 3 credit reporting agencies or I will have no choice but to forward this to my litigation attorney.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 XXXX XXXX, which falls under XXXX  according to XXXX-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 XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX