davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-18
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

*I am filing a new CFPB complaint as advised by a CFPB customer rep since the Resolution Specialist I was assigned, XXXX XXXX XXXX from the Bank of America regulatory complaints department XXXX a voicemail on XX/XX/XXXX stating that they were able to address my concern and that I would be receiving a written response from them. I have not received any written company response via mail. I provided my up to date address in my previous CFPB Complaint, but I don't know if they sent a response to my former address since they are not responding. I have called the XXXX at the number she provided ( and extension ) and left a voicemail on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but have not received a call back. I even sent an email to her on XXXX, but she did not respond. * I have XXXX prepaid XXXX cards ( XXXX for {$100.00} and another for {$220.00} ) by Bank of America that I received from XXXX XXXX that expired at the end of XX/XX/XXXX. I tried to use them on XX/XX/XXXX, but they would not work. I called Bank of America XXXX Prepaid Card Customer Service on XXXX and after entering one of the card numbers, it stated that the card had expired. 

When I spoke with a live customer service representative, they stated that the account was closed for both cards. Since this date I have also called on XXXX, XXXX, XXXX, and on XX/XX/XXXX. Throughout these times I have asked if I could be reissued a new card for the amount minus the replacement fee or if I could receive a check. They stated that both accounts show {$0.00}, even though I did not spend any of the money on either. I called again on XX/XX/XXXX to find out if the money was forfeited to them and they could not answer this for me, even when I spoke with a supervisor. Bank of America basically stated that they could not do anything for me and left it at that. 

If needed, I have both cards and any additional information needed. I also attached a letter that I previously received from Bank of America for a different prepaid XXXX card where they stated that if the card were to be deactivated, they would mail me a paper check of the remaining balance. This is why I am wondering why they will not do this with the XXXX prepaid cards that I currently have.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Having consistently met payment deadlines, it is disheartening to find an error indicating a late payment on my account. This oversight is causing unnecessary stress, and I urge you to promptly rectify the situation by updating my records accordingly.
Consumer complaint received 2023-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX and XXXX are reporting incorrect information about this XXXX account after supposed investigating this account because of a dispute I submitted back in XXXX. It is now the end of XXXX, that vehicle has been sold by the finance company and XXXX just recently tried to reopen on my credit report as a new vehicle loan. Both of these Credit Bureaus are doing whatever they want and NOT operating in the best interest of the consumer. 

Remove this XXXX XXXX account from my credit report immediately as it is completely incorrect based on 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. It is a financial institution that has been improperly reported to the credit bureau without my consent. There was no disclosure offered to me where I gave my permission for my information to be shared with anyone. No third party should have access to my personal information yet they do. This is a violation.
Consumer complaint received 2023-12-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (FL)

On XXXX I was sued by XXXX XXXX XXXX XXXX over a Synchrony Bank/Care Credit card that went into default in XXXX XXXX XXXX XXXX XXXX XXXX Division I in the Circuit Court of the 13th Judicial Circuit , in and for XXXX XXXX XXXX XXXX XXXX The amount claimed by XXXX was {$8100.00}. The case was removed into arbitration with XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I made multiple attempts to have the total amount of the debt verified by XXXX XXXX  I never received a satisfactory response, despite the lenghty litigation. The XXXX attorney requested several amounts from me at different points in time, and doesn't have the documentation to prove how much is owed. The XXXX attorney filed two documents in support of his case that allegedly were provided to him by Synchrony Bank. 1. A Credit Card Agreement that was filed as a response to my request for the original contract. 2. A sworn affidavit from an alleged Synchrony Bank employee, who swears under oath to data related to the account in dispute that contradicts my own records. No personal information was provided so I can contact the XXXX and verify her statements. 
I contacted Synchrony Bank on XX/XX/XXXX to ask them to verify the authenticity of the two documents, and to provide me with a statement confirming or denying their authenticity. I suspect the documents were forged by the XXXX lawyer to cover up for the lack of evidence. Synchrony Bank would not return my emails once I made my request. 
Synchrony Bank sold this account to XXXX without the required OALD. I need them to verify the documents I sent them and I will also need other OALD from them. 
I've been harrassed with litigation by XXXX over this account since XX/XX/XXXX, without the proper documentation. Synchrony Bank must provide me with sufficient information so I can defend myself. I requested OALD from Synchrony back in XXXX as well, and they never sent me any of the documents I requested from them.
Consumer complaint received 2023-12-18
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. (CA)

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. 

XXXX XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX OF XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$4300.00}. 
XXXX XXXX XXXX OF XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$7100.00}. 
COUNTY OF XXXX XXXX Family support with account # XXXX opened on XX/XX/XXXX and a balance of {$73000.00}. 
Collection account from XXXX XXXX XXXX XXXX with account # XXXX and a balance of {$8400.00}. The original creditor is XXXX XXXX. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I called and spoke to a representative from XXXX and there was a language discrepancy it seems I tried to speak as slow as possible and explain that the address on file did not belong to me and I had originally sent in a report that I had identity theft. I expressed myself several times and asked to have my credit report mailed to the correct address that I had given the rep. I pulled the app on my phone to check my credit report and the same addresses are still on my report with an added inaccurate address. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX Tx XXXX These adrress are not accurate and should be removed. Due to having dealt with identity theft previously there may be information being mailed to these addresses with my name on it with my personal info attached to it. Please remove My correct address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX Tx XXXX
Consumer complaint received 2024-05-10
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: Experian Information Solutions Inc. (FL)

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 online and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts 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. Incorrect Name - XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EMPLOYER - XXXX XXXX XXXX XXXX XXXX  EMPLOYER - 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/year>
Consumer complaint received 2023-02-12
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BMW Financial Services NA, LLC (NV)

BMW has illegally shared my financial information with a third ( non-affiliated ) company who continues to try aggressive debt collections pretending to be law enforcement officers and very aggressively have tried to confront family members or gusts at one of my properties. These third parties have aggressively come to one of my residents at odd hours, aggressively knocked on door trying to intrude my privacy, as one instant listening on the door and trespassing and trying to violate my family privacy rights. They have tried to hide their identity and pretend to make it as they are law enforcement officers.

That is in direct violation of 15 U.S.C.1692f ( 6 ) ( unfair practices ) ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; BMW has also violated my privacy illegally sharing my personal information with a non-affilated third party private investigation company named " XXXX XXXX ''. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; Such sharing of personal information with third parties without my knowledge is truly a violation of my privacy rights these are illegal third-party violations issued by XXXX XXXX XXXX 

They have been trying to approach my family members at odd hours such as XXXX XXXX or XXXX XXXX and they are aggressively peeking through windows of homes and using deceptive practices.
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I was creating an account with XXXX to pay for a unique item, but the item was sold to someone else before the XXXX account was completed. XXXX cancelled the transaction and I informed Capital One to ensure I was not charged. XXXX told me later that they had placed a hold that was still showing as being in effect. The seller sent me documentation that they did not receive the funds and had sent the item to another person. Federal law and XXXX 's terms did not allow me to send or receive funds until the account was verified. Capital One is either fraudulently converting the hold to a charge without sending the funds or is conspiring with XXXX to violate the law and the terms of both companies. XXXX sent information for Capital One to trace the information within XXXX 's system, but Capital One has not provided any indication that they attempted to do that. Capital One has agreed with me several times, including refunding interest charged on the hold, but they repeatedly return to claiming they are converting the hold to a charge that I did not authorize.
Consumer complaint received 2022-12-05
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: EQUIFAX, INC. (MN)

I am a banker and under constant scrutiny from your agency. I recently pulled a mortgage credit report for a customer of mine from the credit bureau and he and his wife received promptly got 48 calls asking if they needed credit. It was discovered that the agency can sell this information, in this day and age that seems crazy. I know a person can opt out but that can take 5-10 days after a request and what consumer knows about that. Maybe the tables should be switched and they should be opted out until they request to be opted in. This would not happen to a consumer if the credit bureau was a bank! 

XXXX XXXX
Consumer complaint received 2024-05-10
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. (IN)

The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.
Consumer complaint received 2024-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-05-10
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. (LA)

I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.
Consumer complaint received 2023-11-06
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. (CO)

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX  Account Number XXXX XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Consumer complaint received 2023-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

These unknown hard inquiries were placed on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-10
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)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by Equifax. I assert that Equifax is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Consumer complaint received 2024-02-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Skrill USA, Inc. (CA)

I opened an account with paysafe to process online payment. They were transferring my money as usual and then suddenly they closed my account. When I asked about my money to be deposited they told me I have to wait 180 days. It is completely unacceptable. They close the account they should release the money immediately without any further delay still, they wan na put me through the hardship.
Consumer complaint received 2023-09-19
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (IL)

I have a private student loan with Navient and got a little behind after a phenomenal payment record since XXXX. I am getting phone calls three times per day for a {$26.00} past due balance. Honestly, after a great payment history I cant believe the criminals would bother you for such a measly amount which will be paid this month. Navient is an unscrupulous company and should be investigated by Congress for harassment.
Consumer complaint received 2023-08-28
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 (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.