davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-26
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (MI)

I reached out to Genesis Credit Management to settle a rental debt. I requested a Debt Validation letter in writing. No response. I requested information about how to settle the debt and was told that they no longer held the account and refused to give me information about who held the account. Meanwhile, Genesis Credit Management Services continues to charge interest on the balance and report to the credit bureaus as a delinquent account.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

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.

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 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Hi, XXXX XXXX. 

My Name is XXXX. I have been asked to contact the early warning services team regarding the issue of open bank accounts with XXXX XXXX. 

Name : - XXXX XXXX Address : - XXXX, XXXX XXXX. XXXXXXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX Due to feedback received from the consumer reporting agency ( XXXX XXXX XXXXXXXX XXXX XXXX bank teams are not ready to open my account. This is all started by the report shared by XXXX XXXX XXXX  to banks. 

Let me brief the whole incident & how i am suffering due to this wrong report. 

The whole reason mentioned below is how the scammed happened to me. I have appended all chat with the organization, offer letter & fake check. without knowing any reason & justification from my end Bank of America decided to block my account instead to enquiry about the fake individual or fake organization who did this. I had registered a Complaint Report to Fraud FTC GOV ( XXXX ), because the same incident early warning services generated the report which directly impacted on my daily life. 

Short Story Of Whole Incident & Scam : - I was looking for a job & applied on all job platforms. I got a ping on XXXX team chat from XXXX XXXX. She told me that she works for XXXX XXXX XXXX. After all the discussion she offered me an offer letter & check to buy their company hardware & software. I had submitted the check into my account & I came to know from the bank that the check was XXXXake & Bank Of America blocked & closed my account. I am going through a lot due to this incident/scam happened to me. it also impacted on my financial & also not able to reopen my account with bank of America nor in any other bank. desperately looking for a solution on this. 

I have all the evidence with me like XXXX teams chat details, offer letter, check details & complaint email to amtex auto. 

I have appended all evidence here with this email for your review & reopen my account asap & ask your report agency to make corrections to my report in their database. so that i will be in position to open my account asap in week time. Let me know if you need any further input/details/data from my end. 

If you think there are any mistakes from my side after looking at all evidence let me know please. I am the victim & I am only suffering. 


Regards, XXXX
Consumer complaint received 2024-05-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (NC)

This is the XXXX or XXXX time XXXX XXXX has changed service providers creating the same issue each time ; charging property taxes that are being paid by XXXX another mortgage that we hold. I have been in contact with Freedom Mortgage numerous times since XXXX of XXXX trying to resolve this issue. They have all the recordings for " Training Purposes ''. It is now XX/XX/2024 and I just received another letter stating that I am delinquent for a little more than {$2600.00}. Each time I call they acknowledge the issue say they will fix it. To date it is not resolved. Now it is costing me time and income to deal with this. They have been threatening foreclosure and now have reported this matter to the credit bureaus. They have also charged late fee 's. The service provider and XXXX XXXX are the ones at fault and are failing to resolve this matter. I have always paid the Mortgage on time for as long as I have had the Mortgage. I have spoken to numerous representatives including their representatives in the Tax analysis department and they acknowledge the problem of overcharging in the escrow account, but continue to fail to adjust the Mortgage payment to reflect what it should actually be. Freedom Mortgage Paid XXXX taxes last year on behalf the mortgage for the property. This has caused a huge amount of duress for my wife whom is a XXXX XXXX XXXXXXXX Veteran not to mention to myself dealing with the same issue time and time again with various Service Agencies that XXXX XXXX hires. They change service agencies like proud parents changing diapers. Each time the very same escrow issue arises, each time I have to file a complaint to get it resolved seeing one department does not speak to another department. Their lack of communication is not my problem, but it becomes a problem when they are threatening foreclosure and have ruined my credit score that needs to be fixed by them. XXXX XXXX last service provider over charged my escrow by {$600.00} and we never received those monies.
Consumer complaint received 2024-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Huntington Bank charges {$0.00} per XXXX transaction for our small business account. XXXXXXXX XXXX own website and customer service confirmed that they do not charge fees, and even said that Huntington Bank should not be charging a fee as it is part of the XXXX network, but my local branch told me that they are simply passing along the fees that XXXX charges them. This is unacceptable, and someone is lying.
Consumer complaint received 2024-06-02
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: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX I received a letter dated XX/XX/XXXX which I uploaded which stated that my recent application has been declined so I was completely baffled and I called XXXX and asked him what happened and they said I had asked for a personal loan in the amount of {$15000.00} for Home Improvement and I asked them if I could have inadvertently for lack of a better terms XXXX XXXX this information and they said absolutely not you would have to input much information and I said I emphatically did not do this and and I don't want my credit hurt for this and I called them and told them is just going to hurt my credit I said I had many problems logging into the account maybe I need a new credit card but they told me that there was no fraudulent activity on that credit card also I uploaded a picture of XXXX XXXXXXXX XXXX receipt that was canceled because I caught it this people in New York were trying to buy XXXX XXXX worth of cameras at XXXX XXXX with my name and my address as a billing address on XX/XX/XXXX and I got an email in my email address and I said I called XXXX XXXX and said what is this all about they were able to screenshot me that saying cancellation well the very next day they did the same exact thing and I told XXXX XXXX it's just go ahead and cancel my account for right now and I can open it up at some other date and I also had to go to XXXX XXXX XXXX and say get THIS SAME New York address off my phone so basically I also did a another Report with the local police for something that's other fraud that started on XX/XX/XXXX I have other reports this is just like an addendum and I also did a report with the Federal Trade Commission/ I think it went through the FBI from what I understand but this is just an addition to because it's never ending because when I did that report I could ONLY GIVE FIVE incidences so that's why and because it keeps happening that's why I chose this route because it's something else is happening and I can only report five things so that's why I'm here thank you to your help in advance
Consumer complaint received 2024-05-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: SOFI TECHNOLOGIES, INC. (FL)

In XXXX, XXXX, I authorized my wife to use my debit card to pay for a fitness membership. She was waiting for her new debit card to arrive. She gave her account and routing number to the merchant to use for monthly, recurring payments. This merchant used my card information to make a withdrawal from my checking account on XX/XX/XXXX for {$27.00} and XXXX withdrawals in XXXX. The first was XX/XX/XXXX for {$52.00}. The second was XX/XX/XXXX for {$27.00}. I called SoFi and explained the situation. They filed a dispute for all three transactions and said they blocked the merchant from future withdrawals from my account. That was in XXXX. On XX/XX/XXXX this same merchant was authorized to withdraw {$190.00} from my checking account. I filed another dispute and was advised to cancel the debit card being used by the merchant to make these withdrawals from my checking account. I cancelled the card and had a new one mailed to me. Being a XXXX XXXX, I could not get to my mailbox for at least a month and had no access to my cash during this time. During this time, SoFi deposited back into my account {$190.00} as a provisional credit on XX/XX/XXXX. On XX/XX/XXXX this same merchant was authorized to withdraw {$190.00} using my new debit card. I called SoFi and spoke to a manager, XXXX. I explained that I am not the account holder for the account that the merchant is withdrawing payments for and asked how this merchant was able to obtain my new debit card number. XXXX told me that XXXX was the one who gave my new info to the merchant because its a recurring payment. I asked XXXX if hed like to be on the phone with me while I call XXXX. He declined. I called XXXX where they denied having done such a thing and advised me it was at the financial institution level. SoFi gave my new debit card information to the merchant they were supposed to be helping me stop making withdrawals from my account. I called the merchant where they verified having my new card number. They said the only way they could receive this information was if I gave it to them. I did not. They verified that the name on the account was not mine and seemed confused as to what was going on. I called back to SoFi where the woman placed yet another block on my account to stop this merchant from gaining access to my account.
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

A customer charged back a wire without consenting me I agreed to return the funds but by that time the bank put a hold on all my funds. I need access to my money i have bills to pay, workers owed, and all these people have families. You guys are crushing my business.
Consumer complaint received 2024-05-08
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: Maximus Federal Services, Inc. (IL)

According to the family educational rights and privacy act ( FERPA ) states this federal law, which was enacted in 1974, protects the privacy of student education records. FERPA applies to public private elementary secondary and post school. 20 USC- 1232g ( b ). Also according to the FCRA 15 USC 1681 ( a ) accuracy and fairness of credit reporting ; 15USC 1681 ( b ) reasonable procedures 15 USC 1681 ( c ) no adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation. 15 USC 1681e- ( b ) accuracy reporting 5 USC 552a privacy act of 1974. So according to the laws these items shouldn't be on my credit report. All 3 credit bureaus are reporting this information on my credit report. As a consumer I have the right to privacy. Also as a consumer I have the right to opt out of these reporting agencies backed by 12 CFR 1016.7 states that a consumer may exercise the right to opt out at anytime. As a consumer I am opting out of these reporting services.
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was Capital Customer with XXXX credit cards. XXXX I have now paid off. The XXXX  card, XXXX has a balance just over XXXX. I have made all payments and on time for the most part. I believe XXXX a day late each. My account was hacked and purchases were made in Arizona. I live and work in Texas. Fraudster got past their their security almpost a dozen times. Calling company and making changes so they could make purchase. Not once was I called before any changes were made to my account! I have had the same phone number for XXXX years. Several times the account was hacked before I received new card! Once while I was on phone with their fraud department! They paid the purchases but all of the safety measures they took FAILED! It happened even after account was closed. I have bonus points from paid off account and current account but I cant apply them because of status of my account. This would go toward balance of XXXX. Now when I pay by phone they refuse to give me a confirmation number. The rep gave me her assurance it was paid but Capital Ones assurance is worthless to me at this point. I want my bonus points applied, I earned them. I want to be able to make payments on phone without having to go through fraud and explain my situation to people who dont seem to care. And I want someone from Capital One to call me up and sincerely apologize to me. I was a very good customer and they dropped the ball.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A. (MA)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Consumer Financial Protection Bureau XXXX I am writing to file a formal complaint against Best Buy regarding fraudulent practices and mishandling of my credit card information. Below are the details of the incident : **Incident Details : ** - **Date of Incident : XXXX - **Location : ** Best Buy, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX **Description XXXX ** In 2023, I visited Best Buy and was offered a discount if I applied for a Best Buy credit card. Despite clearly expressing my intention to pay for my purchase with my debit card, the cashier, who appeared to be inexperienced and possibly underage, illegally charged the purchase to the newly opened Best Buy credit card instead. This action was taken against my explicit instructions and without my consent to use the credit card. 

**Subsequent Actions Taken : ** - Following the incident, I immediately contacted Best Buy customer service and filed multiple complaints over the phone. During these conversations, I specifically requested that all communications be documented and preserved. 
- Best Buy acknowledged their error in charging the incorrect payment method and assured me that the credit charge would be rectified. However, despite their assurances, the charges continued to appear intermittently on my account, leading to confusion and frustration. 
- Furthermore, the erroneous charges have resulted in late fees being reported on my credit report, adversely affecting my credit score.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I hope this letter finds you well. I am writing to address a matter of utmost importance regarding my credit report. Upon reviewing my credit report, I have identified several unauthorized accounts that have negatively impacted my creditworthiness. I strongly believe that these accounts are the result of identity theft and require immediate attention and resolution. I want to clarify that I have not initiated or authorized these accounts in any way. These accounts have been fraudulently opened without my consent or knowledge. To address this issue, I have taken the necessary steps to report the suspected identity theft to the relevant authorities, including filing a report with the Federal Trade Commission ( FTC ). I have also attached a copy of the Identity Theft Report filed with the FTC for your reference. I kindly request that you conduct a thorough investigation into the validity of these accounts and take the appropriate actions to remove them from my credit report as they are not the result of any legitimate transaction or credit application made by me. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-08
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)

This is my NUMEROUS request that I have been a victim of XXXX XXXX and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XX/XX/year>
Consumer complaint received 2024-06-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (IL)

On XX/XX/year> venmo sent me a email stating that the remaining balance in my account was available for standard transfer to a bankaccount that is mines I proceed to add a bank account through XXXX and manually and it did not let me connect my account for some reason giving me a error message every time I tired to upload and add my bankaccount. I am left with no other options to get my money off of venmo due to me having only XXXX bankaccount that i use i do not have multiple bankaccounts to use I don't know what else to do to get the remaining funds out of the account am asking venmo to please help me add my account and retrieve the rest of my remaining balance to my bankaccount immediately! don't know what other steps to take to get my money I have waited the 180 days already venmo has gave me permission to withdraw my funds to a bankaccount but won't let me upload my bankaccount to do so I don't know what else to do or any other measures to take to retrieve my funds my account is unrestricted for standard transfer so I don't know what is the issue with me adding a bankaccount to withdraw my funds can someone please fix this issue for me asap so i can withdraw my funds before venmo close my account.. I have attached documents that I have received from venmo and alone bankstatement to account I want to upload
Consumer complaint received 2024-06-15
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Unauthorized withdrawals or charges — 
Company: Shellpoint Partners, LLC (FL)

My name is XXXX XXXX I try to get rid of the insurance scam the banks has pmi I contacted the bank they told me excuses they said I was late in my monthly payments I have lien and my house was under value I try to do get some money from my equity and one of the agency I contacted said I had a loan modification so my mortgage bank did a loan modification with out I know that I had a loan modification with XXXX  XXXX XXXX 2015 but that was the only one I needed so now I found out the mortgage bank changed it with out I know I think this ilegal I didnt need another loan modification they did it to increase the term fees and interest XXXX  XXXX XXXX sold my mortgage loan to XXXX XXXX and it is managed by shell point they came and changed the loan modification money interest