davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-06
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

To Whom It May Concern, I am writing in regards to a Credit Deposit ( {$2100.00} ) that was purchased in XX/XX/XXXX from Bank of America. I had forgotten about it and recently found the Investment CD Receipt by chance. The paper receipt for this CD shows the original purchase date, but it does not show that the CD was withdrawn upon the maturity date or any other activity since it was purchased.

I have bank statements from Bank of America going back to XX/XX/XXXX, and I do not show that this CD was redeemed or that its funds were transferred to my account before I closed all of my Bank of America accounts around XX/XX/XXXX. 


I would like to verify that these funds were transferred to my accounts or withdrawn by me at the time of closing all the accounts. 


I initially contacted the State of California Unclaimed Property Department ( XXXX ; XXXX XXXX XXXX ) several times at the end of XX/XX/XXXX in case these funds were left unclaimed. However, they do not show any such unclaimed funds resulting from this unredeemed CD. 


I filed one complaint with the CFPB ( XXXX ) and BofA responded that they could not respond because I was a third party, and not authorized to access this account. 


I have all the relevant documents needed to show that I am the sole account holder ( California ID, US Passport, etc. ). I have been looking for resolution to this issue since last XX/XX/XXXX.
Consumer complaint received 2024-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2018-05-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (CA)

In XX/XX/XXXX, I received a letter from Cavalry Portfolio Services claiming that I owe them {$1000.00}. I responded on XX/XX/XXXX with a letter requesting that they validate the debt and they responded on XX/XX/XXXX with printouts of old account statements and a bill of sale from XXXX whom they purchased the original debt from. They did not provide an original signed contract as proof of debt so I sent them another letter on XX/XX/XXXX stating what they sent me did not meet the Federal Trade Commission 's guidelines of what constitutes proper debt validation and also this : " In the case of XXXX XXXX XXXX ( IN THE COURT OF APPEALS OF INDIANA, No. XXXX ), the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added ). On XX/XX/XXXX, nineteen days after the date of XXXX  debt collection letter, XXXX  counsel XXXX sent XXXX a letter declaring that XXXX disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, XXXX should have ceased his debt collection efforts immediately upon receiving that letter. Instead, XXXX proceeded to obtain a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ).

XXXX maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to XXXX ] in the XX/XX/XXXX notice of claim. Brief of XXXX at XXXX. Specifically, XXXX  claims that a copy of the consumer credit contract between XXXX  and XXXX XXXX attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree.

The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of XXXX loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by XXXX, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once XXXX stopped making the required payments. Indeed, the existing unpaid contract balance at the time XXXX sent the debt collection notice was at least {$350.00} more than the original loan amount. Therefore, XXXX violated 15 U.S.C. 1692g ( b ) when he failed to cease collection of the debt by obtaining a default judgment against XXXX  after XXXX had notified XXXX in writing that he was disputing the debt but before XXXX had mailed verification of the debt to XXXX. We reverse the trial courts entry of summary judgment in favor of XXXX on this issue. '' However, they were still reporting the collection on my credit report and their response, on XX/XX/XXXX and XX/XX/XXXX to the letter I sent them on XX/XX/XXXX was the exact same printouts they sent me on XX/XX/XXXX.
Consumer complaint received 2018-05-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I am attaching a copy of the investigation request my husband and I submitted on XX/XX/XXXX. Over 30 days have passed, and we have not received a response yet.
Consumer complaint received 2018-05-04
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: BlueChip Financial (LA)

Called from a private number. Their number does not show. They left a message saying serving me with papers. I called back. XXXX wanted to argue that number 1, the company he supposedly is collecting for I never had a loan with ; number 2, he says he mailed me at my home address, lie, I can not receive mail at my home address - XXXX XXXX must be used or mail will be returned ; 3, said they had served me court papers and there was an open civil case that has gone through court. Called the local civil places. Another lie. Called the company he supposedly is collecting for, they can not locate any loan for me. HE REFUSED TO GIVE ME THE COMPANY NAME HE WORKS FOR, said he would transfer me to LEGAL DEPARTMENT which then he came back on the line. Called back after I spoke with the loan company and another guy supposedly ( same voice ) stated that they had mailed me and they are under no obligation. I informed him that this state REQUIRES YOU TO MAIL IF REQUESTED. Then he said he had to my physical address. NOT POSSIBLE. Then he said to my email. NOT POSSIBLE. I reply to all of these stupid emails advising IF THEY ARE LEGIT to MAIL ME and I provide my XXXX XXXX . NO ONE HAS EVER SENT ME ANYTHING.
Consumer complaint received 2018-05-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cedars Business Services, LLC (WA)

Last fall, XX/XX/XXXX, I was contacted by Cedar Financial agency about a debt for the office of XXXX XXXX XXXX  for {$800.00}. This was for a debt incurred circa XX/XX/XXXX-XX/XX/XXXX. My bankruptcy was discharged in XX/XX/XXXX. But XXXX XXXX 's office located at XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, XXXX claimed the debt was from XX/XX/XXXX ... they created an " new '' invoice for the old debt from XX/XX/XXXX/XX/XX/XXXX dated XX/XX/XXXX. I have not been to his office since XX/XX/XXXX. 

Per their invoice, this is for XXXX storage annual fee. However, when they tried to collect this debt from me during my bankruptcy in XX/XX/XXXX, I told them to destroy it, that I was no longer interested in the storage service. Yet, somehow, suddenly in XX/XX/XXXX, the storage has been " resumed '' even though it had not been charged, nor billed since XX/XX/XXXX. 

XXXX XXXX 's office is lying about the date of the invoice and the credit collection agency has not properly validated the debt with some proof of service with my signature ( which obviously does not exist since I haven't been there since XX/XX/XXXX ). 

Further, it states specifically on the invoice ( attached ) that per our contract, if they had not heard from me within 90 days, the contract states that the XXXX would be destroyed. I had not been to their office since XX/XX/XXXX, nor paid any bill, so per the contract, they would have had to destroy the XXXX in XX/XX/XXXX. 

I contacted Cedar Financial at XXXX XXXX XXXX XXXX, XXXX, CA XXXX, ( XXXX ) XXXX and informed them of the above. I did not hear from them again. Now, I just checked my credit as I'm about apply for a home refinance and there is a collection on it. I spoke with them on multiple occasions last fall requesting proof of service on the invoice date. They did not ( could not because it did not happen ) provide it, yet placed my account for collection anyway. 

I have disputed this with the credit bureaus, XXXX & XXXX, but have not received a response yet.
Consumer complaint received 2018-05-05
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. (MD)

Hi, i recently start to notice unusual activity on my account for example i have ( XXXX  credit account ) which is still open however in equifax report it said its closed!!!, also i found some disputes & remarks have been added lately which i never did, also it said that ( XXXX credit ) increased by XXXX $ which is not true because it didn't increase and i didn't use it for months, someone is using my equifax credit, kindly investigate it Regards XXXX XXXX XXXX Or XXXX
Consumer complaint received 2018-05-05
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: Experian Information Solutions Inc. (AL)

Experian is missing my Department of Education Student Loan account which was opened on XX/XX/XXXX through XX/XX/XXXX. This information needs to be added to my credit file as it's positive credit history that I never deleted from my credit file and it's on the other two credit reporting bureau 's credit history.
Consumer complaint received 2018-05-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CITIBANK, N.A. (CA)

In XX/XX/XXXX I got a loan for the equity of my home with Citibank. They asked me to have a Flood insurance policy and I got it with XXXX insurance. On XX/XX/XXXX I made the full payment to Citibank, and I asked them to close the account, an according to the contract if I do not owe anything they shouldn't charge me anything, but I kept receiving letters from them regarding to pay the Flood Insurance. 
You should know that my home is not in Flood area since XX/XX/XXXX and I do not owe anything to Citibank since XX/XX/XXXX.I kept receiving letters I called them and they did not help me on anything.they kept transferring me to different people, departments and at the end they should hang up on me. 
I went to talk to the manager of the bank in XXXX where i got the loan " XXXX XXXX '' and she called and talk to different people and finally she cant do anything. I went to the insurance company and the representative XXXX XXXX called the Citibank and talked to a lady her name is XXXX and she told her i had to pay {$410.00} as an overlap I do not know why, I always had coverage, and I always paid everything on time, even though I paid the amount waiting do not receive more letters. They required me to close the account the following : a money order for {$64.00} letter of authorization to close the account again, I did everything and they never close the account. 
I had been receiving bills and letters, now they want to charge {$1700.00}. They continue purchase Insurance for me for a loan that I do not have. 
I called again and they kept me on the line transferring me with different people. I am completely frustrate, I do not know what can I do. nobody seems to understand why they have not closed my account but nobody helps me either.
Consumer complaint received 2018-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

Experian is reporting the following items inaccurately. This violates the FCRA. If I must, I will take legal action if they are not responsive to you but I want to create a paper trail. 


US BKPT CT XXXX/XXXX BK CHPT XXXX  DISC
Consumer complaint received 2018-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

XXXX, Equifax and XXXX are reporting a Bankruptcy as a public record falsely. File date XX/XX/2017. I have contacted the United States Bankruptcy Court and they have sent me a letter verifying that they do not verify with any third parties such as credit bureaus. These credit bureaus are reporting this on my credit reports and I would like it removed because it is not verifiable.
Consumer complaint received 2018-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (TX)

I have requested the information reported either be removed, or that Chase Bank show me where I personally requested, authorized, approved or signed for this credit card. I even had my attorney contact them personally and they can not or will not show me this information. Their only response is " we have looked into this matter and conclude it is accurate ''. I did not request or authorize this credit card.
Consumer complaint received 2018-05-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (CA)

A MONEY TRANSFER WAS AUTOMATICALLY PUT ON HOLD AND A REFUND GIVEN WITH NO EXPLANATION AS TO WHY. I ANSWERED QUESTIONS AND IT WAS TO NO AVAIL WITH WESTERN UNION. I FEEL AS IF I AM BEING DISCRIMINATED AGAINST DUE TO MY AGE AND AM BEING CATEGORIZED WITH OTHER WOMEN AND THAT IS PLAIN WRONG.. 
AS THIS HAPPENED BEFORE. THEY ARE VERY VAGUE SO HOW CAN I CORRECT PROBLEM.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2018-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (OH)

I have a checking account and on XX/XX/XXXX I had bal of {$760.00} with transactions pending of {$230.00} and $ XXXXbut were already subtracted leaving the bal at {$760.00}. I cashed out my XXXX earnings at midnight on XX/XX/XXXX of {$220.00} and it gave me a balance of {$980.00}. At XXXX checked my bal and showed same status I mentioned above. At XXXX I checked bal and it showed chk for {$1200.00} being paid, but the put check through over pending transaction in order to charge me two additional overdraft fees at {$34.00} apiece when I should only had been charged for overdraft on check only.
Consumer complaint received 2018-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (NY)

On XX/XX/2016 i spoke to Discover card about the fraudulent charges on my credit card the charges were taken off, but later on they were put back on my account.

1. On the phone the company representative told me that my phone number on the card account was changed. I never changed my phone number and up to this day I still have the same phone number.

2. Discover must have recordings of whoever spoke to them to change that number and allow for payments to go through. because when you call discover it says all you conversations will be recorded.

3. I was told to send an affidavit, and i did, several times, but Discover credit card told me they didn't receive it. I sent it three times via mail and also sent it via fax. I called the company and i was told that they have received it.

Discover credit card company does not want to deal with my case, they rely on their facts and do not want to consider that facts and the proof that I am sending.
Consumer complaint received 2018-05-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I contacted Transunion credit, and ask why the reported a 91 point drop in my credit score. In talking with Transunion they would not provide me with a reason why my score was changed. Transunion did state that I had no negative reports on my credit that nothing had changed. My score was XXXX and went to XXXX  in less than a month. I can not get an answer from none of the credit bureau about my drop in scores.
Consumer complaint received 2018-03-30
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: EQUIFAX, INC. (TX)

This company began trying to collect on this debt inXX/XX/2015. Fortunately, this company is not licensed or bonded in the state of Texas to collect a debt. By law, they are to remove this debt from our credit report.
Consumer complaint received 2023-08-10
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. (TX)

In accordance with the Fair Credit Reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2018-05-05
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: EQUIFAX, INC. (CA)

I have repeatedly asked Equifax for evidence to support their reporting of an account in the file they maintain under my Social Security number. They have failed to provide me with a copy of any verifiable evidence submitted by XXXX XXXX XXXX XXXX XXXX substantiating their claim that I am financially responsible for this account. I am not the primary owner of the account, not a co-borrower, and not a co-owner, I am an authorized user. I have never applied for credit, and this a not a joint account ( although its being reported as one ). Furthermore, I have requested their method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).  Recently, Equifax provided their investigation results, and again, they failed to provide verifiable evidence. Interestingly, they included a statement alleging " Consumer 's dispute not specific '', however they were still able to conduct an investigation without " specific '' information. Further into the results is a statement that says " Account Historical Data SUPPRESSED. '' The results continue to state that the originating source provided additional information claiming " Historical account information was DELETED from this account. '' Their investigation results are unclear, contradictory, and lends no credibility to the company. Is the information I requested DELETED or is it being SUPPRESSED? Either they have it or they don't. In any case, they are not providing it. I challenge the accuracy, compliance, and reportability of this listing. I formally request the trade line be immediately, and permanently deleted from my credit file.