davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bull City Financial Solutions, Inc (NC)

Bull City has been reporting inaccurate information my credit report. Further than that they have sent me mail disclosing personal medical information that was never supposed to be sold to a third-party or a Third-Party creditor at that. 

The Fact that i am medically insured alone is what makes me feel vulnerable about going to the hospitals and receiving operations because they may still sell my information to complete strangers which VIOLATED MY HIPPA RIGHTS.

I have disputed these accounts on many occasions on one occasion i recieved the response I attached to this Complaint
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

As per guidance from the Consumer Financial Protection Bureau ( CFPB ). According to the FCRA, credit reporting agencies are required to remove or block any inquires or accounts that result from identity theft or unauthorized access to my credit report.I believe this is in violation of Section 605 ( B ) of the FCRA.I kindly request that you block this information from my credit report within four business days, pursuant to section 605 B of the Fair Credit Reporting Act.
Consumer complaint received 2019-08-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had listed an item for sale in XXXX. It was listed for {$300.00}. 
Somebody by name XXXX XXXX XXXX ( XXXX ) contacted via gmail and text indicating she is interested to buy my product. She sent an cashiers check for {$1400.00}, indicating that additional amount is for her friend who is getting some more items for her and also help in shipping bunch of stuff to her. She asked me to deposit the cashiers check. I did the deposit in ATM ( BOA ) and ATM did not recognize this as fraud check. I am pretty sure even depositing via phone bank app would have resulted in the same way. 

Next day evening, she contacted me again and asked me to use XXXX app to transfer remaining funds ( total - {$300.00} ) to her friend XXXX. After 3 days, BOA declared the check as fraud and started saying that we do not track transactions and XXXX is like XXXX XXXX money transfer. BOA does not have any contact numbers for XXXX customer support as well. According to BOA, Apparently XXXX do not store any customer details at their side and store only phone or email information. 

The lady was using XXXX number at her end and there was no legit way to track that. 
Next day, same lady XXXX sent another cashiers check which I took it to BOA teller and the lady was not able to distinguish whether it was original or fake check. I asked her to call the other bank with account details to ensure if cashiers check was issued by that bank and we found out that to be fraud. 

Later checking online, I am seeing both banks and XXXX is saying we cant support such cases even though they can do that. One example being XXXX XXXX. 
See the link below : XXXX XXXX XXXXXXXX I have filed both police and FBI reports and have all correspondence with me. Please help me in getting my money back. If the cashiers check was identified as fraud initially or if XXXX could keep track of sender and recipient as it is in partnership with banks, these problems would not have seen. Along with trust, they should have relevant control to help consumers. I am also worried for lot of non aware digital technology people being XXXX by such scams and apps.
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

THE FOLLOWING ACCOUNT ARE UNAUTHORIZED DUE TO FRAUD. PLEASE REMOVE -PLEASE UPDATE MY CORRECT PHONE NUMBERS SO CREDITORS MAY CALL ME DIRECTLY - XXXX-XXXX-XXXX HOME AND XXXX CELL THERE IS ALSO AN ADDRESS THAT DOES NOT BELONG TO ME SHOWING ON MY REPORT PLEASE REMOVE. XXXX  XXXX XXXX XXXX  XXXX XXXX   XXXX, TX XXXX. XXXX- XXXX-XXXX-XX/XX/XXXXXX/XX/XXXX AND XXXX- XX/XX/XXXX EQUIFAX- XXXX- XX/XX/XXXX  XXXX- XXXX XXXX- XX/XX/XXXX
Consumer complaint received 2019-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I recently discovered accounts being reported through my monitoring services that are fraudulent accounts that DO NOT BELONG TO ME and have been reported as identity theft as I have learned that I am a victim of identity theft as this account reporting a debt from XXXX XXXX XXXX ( XXXX XXXX XXXX ) totaling {$370.00} that does not belong to me and is and has been reported and currently being investigated.
Consumer complaint received 2019-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (WA)

My Bank is Wells Fargo since XXXX, My bank is giving me a hard time forward the incorrect information to the credit bureau that I was late in payment twice a time in XX/XX/XXXX and XX/XX/XXXX which is wrong because my account was set up as a direct payment from my Wells Fargo checking account to pay my Wells Fargo credit care. The bank executive office supervisors/managers. From XXXX, XXXX, XXXX, etc. I am struggling from last two months spend a week from XXXX to XXXX pm on phone to resolve the issue. Bank admitted that ; error is on their side. As a result, I am receiving the worst customer services. 
My whole family is suffering because my credit score is badly damaged, we must move ASAP. I am unable to proceed for my rental. Thus, the whole family is homeless.
Consumer complaint received 2019-07-31
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (CT)

A XXXX XXXX was leased through me in on XX/XX/XXXX for my wife at the time. In XX/XX/XXXX, my wife and I were going through a divorce and she was going to obtain the lease on the vehicle since it was her vehicle. Paperwork was filled out and the lease take over was approved by GM Financial. Once the final paperwork was filled out and sent back, we were notified that she must resubmit the application paperwork. Once the paperwork was resubmitted a second time, GM Financial denied her taking over the lease. The courts approved that the lease and everything that pertains the vehicle is her responsibility as of XX/XX/XXXX. Due to GM Financial denying her in XX/XX/XXXX, my ex wife dumped the vehicle on me and walked away. The courts mandated that the vehicle be returned and see what was to be owed on the vehicle. Once the bill for the returned vehicle came in, it took several months and numerous court appearances to get my ex-wife to pay the bill from GM Financial for the returned vehicle. She finally paid the bill in XX/XX/XXXX. During all this time, an open bill fro {$7500.00} remained unpaid on an account which was originally opened in my name and social security number.
Consumer complaint received 2019-07-31
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: Midwest Recovery Systems (TX)

Yesterday I checked my credit report and saw that there was a collection account on my account. I have never had any dealings with a company called XXXX XXXX and definitely did not default in any circumstances with them. I hereby request that Midwest recovery systems send me all info they have on this supposed account and so that I can prove it is not mine! If they don't have this info I demand that they have it removed from my credit file immediately! I have already disputed these with the credit agencies.
Consumer complaint received 2019-08-01
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (TX)

On XX/XX/2019 I went to Best Buy and acquired their store credit card to buy a lap top. Based on what was told by the sales person the lap top included a XXXX XXXX and if I didn't like the computer it could be returned. ( see receipt attached ) On XX/XX/2019 I went to Best Buy to return the lap top with everything that came with it. I didn't use the computer because I didn't like it, yet the XXXX XXXX  was installed in the computer since it came with it and I tried the computer. For my surprise during the return they said I would have a balance of {$69.00} for the XXXX XXXX plus taxes. I couldn't understand why and they told me I would have to solve it with XXXX. ( see receipt attached ) I called Best Buy customer service to complain - the case # is XXXX. They said I would have to call XXXX as it was a XXXX charge. Again, I didn't buy anything from XXXX, so why Best Buy couldn't solve it? And then, I called XXXX Customer Service and the case # is XXXX. XXXX did a conference call with Best Buy and proved to them that I didn't own anything to XXXX as that packed was sold with the computer by Best Buy. I do have an existing packed with XXXX but is directly with them and it is installed in other device. In the same call, the customer service from Best Buy asked me to go back to the Best Buy store to get my refund. 

On XX/XX/2019 - I went back to the Best Buy Store I bought the lap top and the manager processed me a return of the XXXX XXXX and provided me with the receipt. She said I wouldn't be charged for it anymore. Yet, the receipt came with XXXX  $ value ( see it attached ) On XXXX, for my surprise they sent me a bill with a balance of {$75.00} referring to the same XXXX XXXX and then they sent another charge on XX/XX/XXXX of {$100.00} including other fees. 

I had a call with the Best Buy credit card company that seems to be City Bank. I asked to dispute the charges. Not sure which day this call was, yet it was between XXXX and XXXX. I received a mail letter dated as XX/XX/2019 saying that I lost the dispute. ( also attached ) Yet, they didnt ask me to provide with any paperwork to get into this conclusion. And I can not believe now they have reported it to my credit report and they are charging me interest and saying that I have a late payment. 

On top of damaging my credit, they have reduced my credit limit.
Consumer complaint received 2019-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (MI)

I am a 20 year 100 % XXXX XXXX  Veteran, with a complaint about JP Morgan Chase Bank. An account for checking/savings was opened XX/XX/2019, to take care of my banking needs. There was a valid cashiers check from XXXX XXXX Bank for {$2700.00} deposited into my checking, as told shouldn't take more then 24 hours. 2 days later my account was closed without warning with no justification, and my check was to this day never released.Now all my Federal deposits never came through, bills have bounced for insufficient funds, because they closed my account.
Consumer complaint received 2019-07-31
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

I took out a store credit for an engagement ring for my now fianc through XXXX. I paid each payment on time through their online portal. I followed the account summary page which told me my current balance, minimum payment due and due date and available credit. On the last payment in XX/XX/2019, according to the website I paid on time and in full what was originally agreed upon. 

What I did not know ( because it was not listed on my summary page ) is that although I paid every payment on time and the debit in full, the " promotional period '' ended on XX/XX/2019 which the summary page DID NOT provide. I was then charged an interest and late fee of {$160.00} the following month XX/XX/2019. 

When I called to report this I was told that " I should have checked my statement '' and not relied on the account summary information displayed on the website. After pleading with two agents about my consistency with the company in paying my bill on time over the last year, I finally gave up. They would not agree to remove the fee -- because of the inconsistency on their webpage -- and informed me that it was my responsibility to check both the statement and the summary page.
Consumer complaint received 2019-07-30
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. (GA)

I have submitted letters to each XXXX, XXXX, Experian regarding XXXX XXXX services..to update the payment history of late on my XXXX account. 

The account should be updated to paid and never late and should not be reporting the incorrect information ...
Consumer complaint received 2019-07-30
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. (GA)

I have submitted letters to each Transunion, XXXX, XXXX regarding XXXX Card services..to update the payment history of late on my XXXX account. 

The account should be updated to paid and never late and should not be reporting the incorrect information ...
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

I am having problems logging into Equifax 's website to manage my credit freeze. Even though I was able to successfully login at one point. It has kicked me out and I haven't been able to get back in. And trying to reach a customer service representative is even worse.
Consumer complaint received 2024-09-28
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (SC)

when call they ask them for the 1099 because they charger off as a lost and the keep on repeating report on my credit report and they sold it for XXXX and they took gap insurance that was worth XXXX and extended warranty that was worth {$1200.00} the total for everything come up too {$10000.00} and show me {$16000.00} dollors the own to then when they write off there tax i want off my credit repot because they committing fraud when i send over credit bureaus they will not take it off act fcra section 605b it is illega ; l to report informoation on my credit reort without my permission plaase remove this item from credit reort
Consumer complaint received 2019-07-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc. (TX)

Franklin Collection Services put the collection in XX/XX/2019 and I did not aware of it until XX/XX/2019. On XX/XX/2019 Franklin Collection Services received my request of validation of an account XXXX. I have not received a response. I made multiple good faith communication to receive the certified letter requesting validation of an account on XX/XX/2019 and every 5 business days atfer. Under Texas Finance Code Section 392.202 a debt collection agency has thirty ( 30 ) calendar days to respond to a debt validation request. If they fail to respond to validation request then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. As of XX/XX/2019 they are still reporting account on my credit. Which puts them in violation of various state collection laws. I am making every effort to resolve this matter without presenting this matter in court.

On XX/XX/2019, I requested a written agreement to delete the claim from my credit if I made the payment. After being transferred to the manager, he could not represent the detail of the account. He mocked me by saying he maybe will write that letter. I want to verify what he means by maybe. He replied that he maybe write it next week, next month, or whenever he wants to. He also stated that my couple hundreds dollar will not break his company. On XX/XX/2019, I made 2 phone calls to Franklin Service since XX/XX/2019 is the week after the supervisor promised to write the letter. After being and transferred and stated my name, the supervisor hung up immediately. The next call was transferred to voicemail.
Consumer complaint received 2019-07-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fein, Such, Kahn & Shepard, P.C. (NY)

Fein Such & Crane filed Judgement and Complaints for my foreclosure failed to send required RPAPL FORMS after the Referee Sale which there is NO RECORD of it being printed in the newspaper. Alleges that they did not receive my disputes as to the balance of the balance due on the Mortgage. I have copies of the mailings showing that they did at their XXXX Office which is the address that was also on the legal documents. 
Dual Tracking occurred with XXXX XXXX XXXX XXXX and XXXX. Since they can only be considered to Dual track once per servicer it would be 4 times. They claim they were not made aware of any payments, yet they affirm the balance due as of XX/XX/XXXX and that is the same balance that is on the Judgement yet they admit their were modification payments. They claim it was the Servicers responsibility to notify them, and I never requested a payoff from them yet the letter they sent shows the payoff WITH A GOOD THROUGH DATE OF XX/XX/XXXX. Leading me to believe the sale was not held since the payoff is only good until it is sold. Their was no notifications of the sale date or postponements that even the Judge was unaware if the Sale occurred which was evident when he stated it was sold in XX/XX/XXXX and it wasn't then again in XXXX of XXXX Fein Such & Crane along with Judge XXXX ignored the LAW The 20 day, 30 day and 60 day requirements for the Order of Reference filing the Referee appointment the Referee hearing the Referee report were all years past the required date. They claim they only went by what the Servicer gave them and told them yet they AFFIRM TO ITS ACCURACY
Consumer complaint received 2019-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I opened a Capital One credit card on XX/XX/2019. This card was then lost and a new card had to be issued. Capital One uses the credit card number for the account number so when the new card was reported to XXXX  it showed as a separate account from the original card thus causing the payment history to be double reported. I had missed one payment on the first card but it shows up as having happened on two accounts thus causing my payment on time percentage to be low and lowering my credit score which is causing me a real financial loss as I had to renew a car loan at that time. Additionally Capital one will only correspond by mail about credit reporting issues telling me it could take two and a half months to correct. No other item has to go through the mail with them. This I am sure has happened to many people without them knowing due to the irresponsible practice of using the card number for the account number.
Consumer complaint received 2019-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

XXXX will not give me my credit report online. They require I mail them information sensitive information and documents which puts me and my information at risk for identity theft. Mail is easily and frequently stolen.
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

hello, i have been making monthly payments on this account for months. said payments are automatically sent via bill pay from my bank on the same day each month. 

the payments are not reflected on my credit reports. is that legal??? 

also, my credit report shows that i am late. while the payment isn't what " you '' want from me, it is something. it is what i can afford. is it legal to report late each month when payments are being made? 

at least i am making an effort, an attempt, and doing the best i can to pay. 

i have phoned XXXX in an attempt to speak with the gal who answered my last cfpb complaint, yet no one knows who she is so therefore no one can get a message to her. perhaps she is using a fake name.
Consumer complaint received 2019-07-31
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (DE)

I received call @ XXXX on XX/XX/2019.. the collector asked my for the make and model of the car, I provided the the information and I guess he wasn't paying attention and kept asking me for the correct information. I said I have you that already and advised me that he was speaking to XXXX XXXX and the payment will be there on Friday ... He said I can't document it because he didn't her the unit ... I advised him of the arrangement again, and he stated that if I didn't repeat myself, they will keep calling me calling me ... I repeated the arrangement and then asked for the supervisor.. I explained to her the something, and she refused to document the arrangement. I the received a call at XXXX XXXX on XX/XX/XXXX and XXXX on my work phone XXXX ... for an arrangement that I have to both the collector and the supervisor ... I told them not to call me because the have the arrangement and if they did that I would report the company for harassment ... The response was That is your " discretion ''
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX acct number XXXX states that I owe {$1200.00} I donn know what this amount is please remove
Consumer complaint received 2019-07-31
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. (TX)

XXXX XXXX XXXX acct number XXXX states that I owe {$1200.00} I donn know what this amount is please remove