davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION (FL)

On XX/XX/2019 I initiated balancing my checking account. I accessed the BBVA Compass Bank website to download my recent statement for this purpose. While reviewing my account I noticed a debit transaction had been initiated on XX/XX/2019 in the amount of {$44.00}. The vendor name is XXXX XXXX. I did not initiate nor authorize this transaction. I immediately called BBVA Compass but received an automated message that the security department was closed and please call back during normal business hours. What? Fraud can be perpetrated 24 hours a day. I immediately blocked my debit card on the BBVA website to prevent further use. On Monday XXXX at XXXX EDT I called XXXX and spoke to XXXX about my discovery of this fraudulent transaction. He said that there was nothing they could do until the transaction posted to the account and my money sent to this apparently fraudulent merchant. My debit card was cancelled by XXXX and the process of issuing a new one started. I was advised that it would take 7 business days to receive a new card. He also stated that a new card would be issued free of charge. Today, I checked my account and the transaction posted last night ( XXXX ) and now the {$44.00} was withdrawn from my account. I called the security department today ( XXXX at XXXX ) and was told that an investigation would take place and if found to be fraudulent the money would go back into my account within 10 business days. I searched the internet to find a contact number for the 'vendor ' but there was no contact information on their website ( XXXX ) and in order to go further on their website you have to create an account profile. I declined to do this. 

I realize that in the world of fraud {$44.00} is a small amount, but since I haven't worked in over a year, every cent in my account is precious to me.
Consumer complaint received 2019-06-05
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: ERC (MA)

There is this account in collections on my XXXX credit file that I do not recognize, the account is showing with a status of in collections but the problem is that I never had an account with this company called ERC or XXXX XXXX XXXX, there is no phone number being reported and it says that the account was opened in 2016. I have disputed this account with XXXX and for some reason they tell me that the account was verified as accurate. I know this cant be right because like I said I never had an account with this company. I asked them for the original contract that has my signature on it that proves that I opened this account since they are claiming that the account was opened by me, and they cant seem to provide me with anything. By law the credit bureaus have to report the information on a credit file 100 % correct without any errors or mistakes.
Consumer complaint received 2024-10-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (CA)

I have been XXXX for years and then when I decided to switch to a different provider. They required me to pay off my phone and my entire bill before switched. This did happen, however years later they send a collection agency after me for alleged debt. The agency they sent me to was Credence Resource Management. This agency has practiced harassment ( calling non stop even during work hours, which I told them ), provided threats when I stated I need proof and verification of debt, doesn't respond to numerous letters sent. I reached out to XXXX directly who stated based on the lack of notes and when reviewing the account. It doesn't look like this balance is accurate, XXXX from XXXX ( XXXX ). He stated he will close the account with Credence Resource Management and make sure the balance was removed as of XX/XX/year> @ XXXX. However, I was still getting calls during working hours since then.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX : EQUIFAX 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 2024-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

BOA sent letter via email re a transaction came in today XX/XX/year> for a {$110.00} transaction as I did not authorize, I Informed this company 2 weeks ago as they forced it anyway, informed BOAs fraud dept and also informed them that I had trouble logging in, have no idea why ; as I also reported to BOA that I'm a party of identify theft. BOA reps are incompetent and majority of the time refuse to assist, give me the run around and or refuse to assist after today, XXXX hung up on me and the audacity to say keep it professional. He's rude upfront. Speaking XXXX and talking fast CLEARLY, wasn't an attempt to assist first of all, he wouldn't allow me to speak and continued to talk over me, just rude, but the audacity to bring up rudeness, he's totally out of line. He tried to blow me off and tell me to file a claim online, as he couldn't take the info over the phone, MY QUESTION : If a customer doesn't have access to online services or doesn't want to file online, BOA can refuse service and only require ONE OPTION online? IS THIS FAIR? He would blow me off by telling me he will send an email and answer the questions just to get me off the phone, I said before you go, I need you to WALK ME TROUGH THE PROCESS. He refused to do so, he didn't want to help me, I told him " Im NOT watching a video per email '' - to file a claim! Tell me what I need to do as refused to do so again and hung up on me. Its impossible to get assistance from CS and FRAUD Dept, they make it difficult and very time consuming & impossible to get someone over the phone to assist. XXXX said its BASIC ... first of all, I didnt ask for his opinion on the time constraint and or the process -- After having an act with this bank over 30 yrs, I'm treated like trash. I refuse to allow these ppl to refuse assistance. He tells me the process is basic as NO BANK but BOA require to watch a video and a long dragging process and refuse to walk me thru filing a claim for an unauthorized transaction and allow my act to be in a negative is nothing but a set up. as they are as much as fraud as this party that submitted the transaction. BOA continues to treat me unfairly- Their employees like XXXX in TX was a waste of time and my money, stressful -, he first answered the call by talking super fast as I didn't understand a word he said as I stated, I speak XXXX, he speaks " broken XXXX '' and unfortunately its the truth. Its not my fault I dont understand/comprehend broken XXXX. BOA expects customers to understand this man is disturbing and takes more time and pretty much no assistance and the run around. verifying my name, because he cant comprehend clear XXXX and aware of how to pronounce basic words as they expect me to understand this? XXXX ask me to spell my name and call me XXXX XXXX... So tired of the disrespect from this bank.
Consumer complaint received 2019-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I've been corresponding with TransUnion since XXXX of XXXX about derogatory accounts that they conveniently placed on my credit report that doesn't belong to me. I checked my credit report again in XXXX of XXXX and contacted TransUnion about derogatory information that they placed on my credit report that does not belong to me and they informed me that they would look into it. I wrote to them on XX/XX/XXXX outlining those accounts that wasn't mines. I received a letter dated XX/XX/XXXX from TransUnion stating that they verified certain information to be Accurate. I further investigated and then went back to my credit report and noticed that TransUnion had placed 8 more derogatory accounts on my credit report that didn't belong to me. All together they placed about 13 derogatory/non-derogatory accounts on my credit report that doesn't belong to me. I wrote another letter to TransUnion requesting that they send me the proof that they have verifying that those accounts was mines. I then received another letter from TransUnion stating that they would do further investigations and that it would be completed by XX/XX/XXXX. To this date, those accounts are still on my credit report hindering me from obtaining a loan and its interrupting my quality of life. I am hurt and ashamed due TransUnion 's bogus credit reporting practices. On Monday, XX/XX/XXXX, I again contacted TransUnion about the removal of the derogatory information and they asked me for the accounts again, and, again I gave them to them. I was told that they were sending my account to some type of FastTrack for further review and they stated that I check back with them in 5 business days. I am suffering, humiliation, setbacks, mental distress, etc., due to TransUnion 's bad credit reporting practices. I truly believe that they target certain people.
Consumer complaint received 2016-02-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: NCC Business Services, Inc. (FL)

I am disputing the amount NCC Business Services trying to collect. The amount submitted for collection is not valid. I sent dispute letter to NCC Business Services and NCC is ignoring my dispute request.
Consumer complaint received 2019-06-05
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. (MO)

It's been several years and I am having difficulty getting an item cleared up on my Credit Reports from XXXX XXXX XXXX. I have made several requests to all three credit bureaus as well as contacted XXXX XXXX XXXX responsible for reporting the charged off debt. All three bureaus indicate that they have verified that the information contained on the credit report is accurate and to follow up with the original creditor. Unfortunately, the original creditor has ceased operations and directed me to contact the new loan service provider. The new loan service provider does not have any information pertaining to the account in question and is unable to resolve the matter. Therefore, I am unable to secure credit that I'm seeking due to this issue.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat
a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2019-06-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc. (UT)

Never received any written information about supposed debt. Never heard of this company. The company they're claiming the debt is from is closed, and they subsequently can't verify the debt in the first place. This debt is supposedly only a few months old from a company in Arizona, but we haven't lived in Arizona for 3 years. The last time I went to any sort of medical facility in Arizona was 5+ years  ago which is beyond any statute of limitations for medical debt. There is no possible way this debt is mine, but it is being reported to the credit bureaus. They aren't legally allowed to report it if we haven't been notified in writing of the debt.
Consumer complaint received 2016-07-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I reviewed my Equifax Credit Report and viewed that they keep reflecting a XXXX that is more than 7 years old. The loan is from XXXX XXXX, 2008. Furthermore, it is reflecting late payments that when I contacted XXXX XXXX XXXX XXXX they confirmed I had no missed payment 's and that my account was always in good standing prior to the loan being paid in full.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

RE : XXXX XXXXXXXX VIA DEALER | XX/XX/year> XXXX XXXX XXXX XX/XX/year> I am writing to express my annoyance regarding your handling of my dispute regarding inquiries from XXXX XXXX XXXX and XXXX XXXX via dealer. 

I am still disputing these inquiries, I don't understand why you instructed me to contact the companies directly and follow their fraud procedures. This response fails to comply with the requirements set forth in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which mandates that credit reporting agencies must conduct a reasonable investigation into disputes raised by consumers. 

By shifting the responsibility back to me and not taking appropriate steps to investigate the inaccuracies in my credit report, you are violating my rights under the FCRA. Credit reporting agencies are obligated to investigate disputes when notified by a consumer, and they must do so promptly and thoroughly. 

I urge that you take immediate action to investigate my dispute regarding these inquiries and provide me with an updated credit report reflecting the results of all disputed inquiries within 45 days of receiving this letter.
Consumer complaint received 2019-06-05
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: Mr. Cooper Group Inc. (NC)

Mr. Cooper mortgage has failed to report my loan payments and my mortgage does not show on any of the credit bureaus ... like it never existed. I have contacted them every month for the past year and after my bankruptcy was XXXX and loan reaffirmed that they were supposed to by law report my credit and I have contacted my attorney and I have contacted the company
Consumer complaint received 2019-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANNER CORPORATION (WA)

From XX/XX/XXXX to current statement XX/XX/XXXX I've been being charged not only overdraft fees but also Insufficient funds in the same transaction. They have never one time actually cover an overdrafted item for me but still charge both for someone even trying to collect an ACH and also debit transactions. The total amount is {$480.00}. I've contacted Banner on XX/XX/XXXX, XX/XX/XXXX on the chat online and by phone. Also, I cancelled my XXXX XXXX  XX/XX/XXXX. They still tried to get payment of {$6.00}, and i didn't have enough funds. Banner bank didn't pay but had charged {$30.00} for Insufficient funds and for Overdraft on the same items {$30.00} Totaling {$180.00}. I have proof that i cancelled my XXXX XXXX. And XXXX even credited My account back the {$6.00} they received the prior billing cycle. Banner Bank says XXXX owes me the {$180.00} and won't credit my account even though I have a cancellation letter.
Consumer complaint received 2019-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (IN)

Im sending this email because Ive had multiple cases of failed background checks through your company ( First Advantage ) over the past couple months, even though my record has been expunged so Im sending you these documents to make sure that youre company is aware of my expungement and your records are accurately reflecting of my legal background.
Consumer complaint received 2019-06-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

I'm a single Father and i attempted to finance a home for me and my family and i could not because of my credit. That inspired me to check my credit report and I saw a lot of fraudulent items I did not authorize.
Consumer complaint received 2019-06-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (MA)

I use PayPal as a method of payment with my XXXX Shop - I sell vape cartridges. I have plenty of positive feedback and nothing I do is illegal - I'm only selling a part to those that want to purchase it. I had ( 4 ) Returns that must've sparked something at XXXX ( customer trends perhaps ) - but PayPal has been illegally holding my money ( {$1900.00} since before XX/XX/XXXX ) - they have limited my account ( can not do anything - especially take the money ) - Reference ID : XXXX. 

I have tried to explain that I have NOT violated any terms of their user agreement ( which they reference ). 

I have done nothing to deserve " You Can't Use PayPal Anymore '' message. 

And Holding my money for 6 months??
Consumer complaint received 2019-06-05
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. (MO)

I understand that inquiries stay on your credit file for 2 yrs, however the credit reporting agency has to understand that these inquiries I have no knowledge of therefore they are inaccurately placed on my report so Im demanding that they be removed from my credit files immediately, the following inquiries are : 1 )  XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.