davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-15
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: World Acceptance Corporation (VA)

World Finance XXXX XXXX had a line of credit open for me since XX/XX/XXXX. However it was under a third party company called XXXX XXXX XXXX. The company gave me all the details and said it been open since XX/XX/XXXX and there was as a balance due of XXXX to be paid in full but I have never applied for a credit card or line of credit at all. I communicated to the company it was fraudulent. I havent lived in XXXX  in XXXX and XXXX XXXX  years ago. I currently reside in XXXX  as of XX/XX/XXXX and prior I was in XXXX for exactly XXXX  years. This account was recently brought to my attention.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

PLEASE BLOCKED AND REMOVED I strongly advise against including this suspicious entry on my credit report. It does not belong to me, and its presence is highly concerning. Please take the appropriate measures to rectify these inaccuracies.
Consumer complaint received 2024-06-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

On XX/XX/year> my father passed away. He had a used car loan at Randolph Brooks Federal Credit Union. On XX/XX/year> I went to the bank to pay off the car loan so I could get the title to the car. The bank informed me AFTER I paid the loan that they would not release the title to the car until I paid off another existing loan my father had with the bank ( line of credit ). They also said they would not talk to me about any other debts my father had with the bank or release any money that was in his accounts to me even though I was listed as the beneficiary. They said I needed to submit the Death Certificate first before they would do anything with me. However, they still took my money ( {$4500.00} ) to pay off the loan. 

On XX/XX/year> I went back to the bank with the Death Certificate and gave it to them. I asked for the amount owed on the line of credit loan AND an e-mail that stated that once I paid the line of credit if I would be given the title. They said I would have to pay {$530.00} and after I paid that amount I could be issued the title to the car. 

On XX/XX/year> I went to the bank and paid the amount owed on the line of credit at {$530.00}. I did speak with a member of XXXX XXXX ( XXXX XXXX and I was informed that now they would release the car title to me. 

On XX/XX/year> I received the car title ( hard copy ) from the Texas Department of Motor Vehicles in the mail. It was dated XX/XX/year>. The postage date on the envelope was XX/XX/year>. I would have received the title to my father 's car had I paid off my fathers loan or not. 

I feel as though I was tricked by the bank to be responsible for the debt of my father. I was told that the title wasn't going to be released until I paid the loan and yet it was released anyway. In good faith I did what was told to me by the financial institution ( RBFCU ) and lost {$530.00} of my personal money when I should not have been responsible for my father 's debt. They took my money on XX/XX/year> to pay the loan but still held onto the title in coercion to get me to pay my father 's debt..
Consumer complaint received 2024-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CMG MORTGAGE, INC (VA)

Bought my house ( XXXX XXXX XXXX XXXX XXXX ) in middle XXXX with XXXX XXXX as the servicer, they would later sell to CMG financial in late XXXX. CMG would later sell back to XXXX in middle XXXX on XX/XX/XXXX I come home to a locked out house from the Sheriffs office. From the limited information I have so far, CMG financial bought my house at an auction in XXXX of XXXX. I have been paying XXXX  this whole time and for other issues not pertaining to this in communication with them via E-mail and phone with XXXX employee XXXX XXXX who handles my case. I have no idea what's going on, everyone told me to call back Monday so they can get files pulled. My family is homeless now and majority of my items seized, even my dog taken to the pound. I received not a single notice about anything during this whole time. XXXX XXXX XXXX informed me they knocked on my door one week prior to let us know we have been evicted.
Consumer complaint received 2023-10-20
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: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/year>, XXXX XXXX three credit bureaus has been reporting inaccurate information that has been demential to my report. This is violating my rights under the FCRA laws and certain transactions.
Consumer complaint received 2024-06-15
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Diverse Funding Associates LLC (PA)

Company calls everyday demanding money. Talked to her one day about going into the originating business to get everything taken care of later in the week, and she started calling again the following morning. The company has made many many lies. They are trying to collect a debt that another company is already receiving payments for and claim they are the ones who are in charge of it now but refuse to provide anything showing that. They have supposedly sent emails, to an email address we have never had any connection to at all and refuse to fix it. The lady XXXX wants to yell on the phone that you have to have payments set up and figured out right then. She lies about not being in the office. She lies about specific times you have to give her an answer about a payment or shes recommending the other company to sue you. When you try to ask any questions about the debt or the amount they start getting rude, refuse to answer any questions and demand payment before theyll tell you anything about it.
Consumer complaint received 2024-05-07
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: PNC Bank N.A. (CA)

i have 2 XXXX  XXXX XXXX inquiries on my XXXX credit report which i gave no permission. the dates were XX/XX/2023 and XX/XX/2023. i am asking for them to be removed they arenot mind.
Consumer complaint received 2024-06-14
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: Bread Financial Holdings, Inc. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-06-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (OK)

I had an unauthorized payment for the full balance of the credit card I have with XXXX XXXX  {$3900.00} pull on XX/XX/24. When I called and told them we needed the funds send back because it was unauthorized they said they have no way to send wires or ACH and that we would have to wait XXXX business days then call back and ask for a refund and the only way the could send funds back was with a check through XXXX. XXXX gave no other options of returning the fund that have drained my account. I have now called my back to dispute the charges coming from my account.
Consumer complaint received 2024-06-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (AR)

Someone from XXXX XXXX keeps calling saying I owe {$4600.00} from XXXX for something I know nothing about. They refuse to send me info on this through the mail, were rude and hateful to me and my wife, and say I'm going to have to go to court. They say im self employed snd have been paying on this for years. There is nothing on my credit report to show anything.
Consumer complaint received 2024-06-14
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: Bread Financial Holdings, Inc. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my CCB/CHLDPLCE - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-06-14
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: Bread Financial Holdings, Inc. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my CB/VICSCRT - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2023-10-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (GA)

This Debtor has multiple FCRA violations. 

XX/XX/XXXX, My credit report stated I had an collection from ( LVNV FUNDING ACCOUNT # XXXX listed multiple times on my credit report. on XX/XX/XXXX, I Disputed this collection with XXXX XXXX XXXX XXXX requesting proof that this debt collector own this debt and has the legal authority to collect it or delete this account. 

XX/XX/XXXX, Debtor updated account to " consumer disputed '' on XXXX XXXX XXXX and reported " Meets FCRA requirements '' on a separate account. ( violations : balance on account charged off, proof of debt with wet signature. ) XX/XX/XXXX, I Disputed this collection again with XXXX XXXX XXXX XXXX  XX/XX/XXXX. Debtor removed collection account from XXXX only. Debt collector reported " I requested to be removed on all bureau. Debtor failed Request. Debtor reported " Meets FCRA requirements '' ( violations : balance on account charged off, proof of debt with wet signature, illegally re-aged date last active to XX/XX/XXXX on XXXX  as of XX/XX/XXXX. ) violations : balance on account charged off, proof of debt with wet signature, payment status as late on a collection account on XXXX  as of XX/XX/XXXX ) XX/XX/XXXX, I Disputed this collection with twice XXXX XXXX XXXX 

XX/XX/XXXX, Debtor updated account to " consumer disputed '' on XXXX. and reported " Meets FCRA requirements '' On XXXX as of XX/XX/XXXX. ( violations : balance on account charged off, proof of debt with wet signature, illegally re-aged date last active to XX/XX/XXXX on XXXX  as of XX/XX/XXXX. payment status as late on a collection account on XXXX  as of XX/XX/XXXX ) I Disputed this collection with three times XXXX and XXXX. 

XX/XX/XXXX, Debtor has not responded to my request or updated my account. This Debtor and Bureu 's has failed to do a proper investigation. this account is clearly in multiple violations and did not remove this account nor sent me proof of debt and the legal right to obtain this debt with my wet signature. I demand for this debtor to remove this account immediately
Consumer complaint received 2024-06-14
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (NY)

When I entered XXXX  Wells Fargo was present during orientation claiming it would be prudent to open a credit card for purchasing books, etc to establish good credit. I did so with my parents, along with a checking account. At this time Wells Fargo automatically created a savings account without my knowledge or telling me about it - and no notification of fees associated with said savings account. This was around late Summer of XXXX 

I've known about Wells Fargo 's lawsuit around their shady business practices and honestly expected them to reach out to me as was part of the terms of their settlement, but I have not been reached out to or received any reimbursement for this account being opened without my knowledge or say-so, or knowing about the terms of the account. 

I've just noticed that continuing today, I've been being charged monthly fees due to not meeting account minimum requirement of $ XXXX, and I naturally don't use this account as I didn't sign up for it and don't need it at all given that it's APY is so far below what is available in other savings accounts. I've attached screenshots of fees being charged and the monthly fee terms, which again, I never agreed to considering I never opened a savings account with Wells Fargo myself- they did it. 

This account is also tied to receiving the credit card cash back benefits also shown in my attached screenshot of account activity, which are obviously minimal compared to the account minimums or what I would receive in interest if I kept {$300.00} in a higher APY savings vehicle. 

I'm reaching out because I have friends that have shared that Wells Fargo reached out to them with payment due to this lawsuit where they had the same exact thing happen to them, a savings account being opened without their knowing when they signed up for a credit card when they went to XXXX
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FREEDOM FINANCIAL NETWORK (GA)

Per the FCRA as a Federally protected consumer. I am now opting out, of any and all authorization. 
I the consumer may have given you written, unwritten, verbal, non verbal per 15 U.S.C 6802, 6805 and Privacy act of 1974, 16 CFR 313.7, 16 CFR 433.1, 16 CFR 433.2, 16 CFR 433.3, 5 USC 522a I would like to be opted out of these account on my credit report XXXX  account number XXXX
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

On XX/XX/XXXX, a credit inquiry from CapitalOne Bank appeared on all XXXX of my credit reports from XXXX, XXXX, and XXXX. I was able to contact CapitalOne, XXXX, and XXXX to stop the credit application and remove the credit inquiry from my report. XXXX requires a written letter and FTC report to remove the fraudulent credit inquiry from CapitalOne on XX/XX/XXXX.
Consumer complaint received 2024-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have had a Bank of America Business Adv Unlimited Cash Rewards credit card ( XXXX ) since, I believe, XXXX of XXXX. 

In XXXX of XXXX, I went into a Bank of America branch in XXXX to speak with a business XXXX about my credit card account and the possibility of product changing from my Business Advantage Unlimited Cash Rewards credit card to another card. I did not make an appointment and simply walked in. 

While in the branch and waiting for the specialist to receive an answer from his manager regarding a question, my banking specialist informed me of a promotional offer for a business checking account - essentially, if I opened a business checking account and deposited more than {$30000.00} in the first 30 days and maintained that balance for another 60 days, I would receive a cash bonus of {$1000.00}. 

The representative emailed me a link to apply for the checking account and I filled out and submitted the form from my phone while sitting in the branch while we waited for an answer. I did not maintain a copy of this email - I used it to apply and deleted it. 

As per provided documents, I satisfied the conditions of the promotion, but have not been awarded the bonus. I called BOA sometime in XXXX to inquire about the bonus and while the representative was sympathetic, they asked for a specific promotional code to enter into their system. I explained that I didn't have a promo code because I was targeted for the offer in-brand and simply clicked a link, and they said that they'd speak to a manager and get back to me. I never received a return phone call. 

Subsequently, I have XXXX  the issue and it seems like several other people online have had similar problems -- other people have received links from bankers and not had the bonus applied, and have spent time on the phone with BOA staff trying to apply a promo code to the account after the fact. I have tried to do this several times but have been met with long wait times. 

Appreciating that I have been a Bank of America business customer prior to this promotion and have maintained my balance in the account ever since, I would appreciate some assistance in resolving the matter. 

Thanks.
Consumer complaint received 2024-05-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (AR)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

I got an email to pay my first payment and I clicked on the link and my account number I gave to the underwriting department at closing was already in there and I clicked to make my payment. Three days later it said the payment was returned. I was not sure why I made it again and it again bounced. I then made sure the account number was correct and it was not, so I tried to override it, and I thought the payment went through and posted and four days later is bounced again, as I was not allowed to override my account # since the original wrong account number was put in by their department. I then called to the customer service department to speak with a supervisor, and that is when she looked and saw the number in their system was wrong as I gave the correct account number. I was then and only then able to make my payment. They then reported it late even though it was their error and I called numerous times to correct.
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXXil Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states : I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 states : A consumer reporting agency can not furnish an account or account information without my consent