davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlanticus Services Corporation (GA)

I filed a complaint with the CFPB in that complaint I informed FORTIVA as well as the CFPB that FORTIVA was in violation of multiple federal laws in theyre response to my complaint not only did they not resolve the matter in a way that was beneficial for me the consumer but also admitted to selling my information to a non affiliate third party without my consent or without giving me proper notice or a chance to deny them from disclosing my information to another party that party being XXXX XXXX XXXX XXXX which is a third party debt collector that I have no contract with nor was there ever an agreement for me to pay a debt to XXXX XXXX XXXX XXXX I also never received services or any kind of product from XXXX XXXX XXXX XXXX XXXX In my original CFPB complaint I asked that FORTIVA stop reporting the inaccurate account to my consumer report being that it is a charge off and according to the IRS a charge off is considered a certificate of indebtedness which is income they did not stop reporting the inaccurate account it still shows up on my consumer report and they tried to put the blame on XXXX XXXX XXXX for the inaccurate account saying I would have to contact them to remove the account when XXXX XXXX, XXXX XXXX reporting any negative account on my consumer report FORTIVA is and the account they are reporting is INACCURATE they also violated my privacy rights under the privacy act of XXXX when they illegally and unlawful disclosed without my consent my personal information to a non affiliate third party which was XXXX XXXX, XXXX I am demanding that this account be removed from my consumer report for multiple violations of federal and state laws unfair debt collection practices and violations of my privacy rights as well as potential TAX FRAUD for not sending me a 1099 so that I may file the certificate of indebtedness on my taxes this year I suspect FORTIVA may attempt to file the 1099 instead as a tax write off. Furthermore FORTIVA Did Not inform me of the transfer of my information over to XXXX XXXX, XXXX until AFTER the transfer was already made this is not proper notice but IN FACT an admittance of guilt FORTIVA admitted not only in the CFPB response letter but also in a email sent to me on XX/XX/XXXX almost a month after they charged off the alleged debt that they did indeed SELL my personal information to a non affiliated third party XXXX XXXX, XXXX
Consumer complaint received 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I recently applied for credit after my complaint ( case number XXXX ) was closed a few weeks ago. The Bank of America ( BOA ) agent informed me that my revocation had been removed and corrected. However, when I reapplied, I was denied for the same reason. This situation has led me to believe that BOA may have acted appropriately, but it also appears to be in violation of the abovementioned complaint.
Consumer complaint received 2024-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I asked transunion to investigate a derogatory remark off my credit report. They have not provided me with my debt validation as required by law. Nor have they took off the wrong information.
Consumer complaint received 2024-02-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PENTAGON FEDERAL CREDIT UNION (WA)

I called in inquiring information on some credit cards, the Rep I was speaking with said it would be a soft pull... so proceeded on with the info but got disconnected. I received a notification that my credit was was pulled, this happened twice at a later date as well.
Consumer complaint received 2024-07-10
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: MIDFIRST BANK (IL)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/2023, XX/XX/2023, and XX/XX/2023 I contacted XXXX, XXXX, and TransUnion to dispute a late payment reported by XXXX XXXX account # XXXX. 

On XX/XX/2023 to request validation of debt. 
XXXX XXXX and TransUnion report to me the debt is valid, yet the furnisher XXXX has not ever given me disclosures nor notification of finance charges, nor statements required by law. 

I demand XXXX remove the late payment from my XXXX, XXXX, and TransUnion consumer reports. It is damaging and and unlawful.
Consumer complaint received 2023-06-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (GA)

There are multiple instances of my account being charged from XXXX. They have no record of anyone with my social having an account with them yet somehow I have been charged numerous times. I reported my card as stolen and got a replacement only to this to be an issue once again. Then on XXXX I called chime directly to open a dispute for multiple charges including the one on the new card. They have now closed the complaint with zero recovery of the funds and apparently have done nothing to even verify that the account XXXX is charging me for even belongs to me and have not verified my date of birth or last 4 of my social with XXXX because if they did I would have my money back.
Consumer complaint received 2024-02-11
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 (TX)

Charge offs are considered income and should not be reported on my credit report according to 15 USC 1681 ( 2 ) and IRS publication XXXX. Income is a certificate of indebtedness. The IRS treats the forgiven debt as income. You are in violation of the FCRA.
Consumer complaint received 2024-02-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (FL)

I opened two accounts with Fortiva Credit, a conventional credit card and a XXXX XXXX XXXX XXXX in XX/XX/XXXX. This complaint pertains only to the Fortiva XXXX Card. I used the card regularly, paid interest charges for many months and never exceeded the {$500.00} credit limit. My account was always in good standing. In XXXX of XXXX, Fortiva began charging me a XXXX XXXX XXXX fee and also imposed a {$29.00} annual renewal fee. I made several attemps via phone and chat ( dialogue of the transmissions I have copies if needed ) to ask for them to be credited. Initially, they did credit both fees after I asked to close my account. I thought that was the end of it. Instead, they continued charging me a XXXX XXXX XXXX  " service fee ''. In essence, they are charging me $ XXXX. when my balance is XXXX, have made no purchases during the billing cycle. 
This was a change of terms as I understood them originally as I had never paid this fee. Apparently, imbedded in the fine print, although I did not receive a copy upon request of this provision, there is a $ XXXX. service fee AFTER the 1st year. After failing to notice this fee as a result of not using the card/reviewing my statement, I asked for this to be credited via online chat. The agent denied my request. As a result, I permanently closed both accounts accounts ( XXXX XXXX and XXXX XXXX ) without allowing them to convince me to keep it open. I paid for the purchases I made prior to closing the account. However, there are " monthly service fees '' remaining and now a late fee has been imposed. I owe them nothing. I do not want this to affect my credit score as a result of unpaid ( unauthorized ) service fees. This is really corrupt. Reminds me of XXXX XXXX and the payday loan scams.
Consumer complaint received 2024-02-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Collection Management Holdings, LLC (FL)

This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l may review to see if this is actually an account that belongs to me.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (TX)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ( it aslo states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-05-28
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. (MD)

Experian let a creditor that they already had taken off of my credit report months ago, back into my report that caused me to lose my house loan. Due to the FCRA- thats against the law.

I contacted the collection company ( credence ) and they stated they sent a letter to Experian to remove this from my credit report immediately as they realized it was not my account. ( Sent XXXX spoke with creditor on XX/XX/year> ). 

Trued contacting Experian XXXX today and theres never a representative available to help me. This needs removing immediately either way before I sue Experian for breaking my credit reporting rights and losing a home loan for me.
Consumer complaint received 2024-07-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MD)

I never authorized my medical information to be released to this debt collector. Because the medical account is private information that should not be reported on this account because you're violating my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.
Consumer complaint received 2020-07-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

In XXXX we had 2 large ACH withdraws out of our Chase account totaling about {$11000.00}. We were able to go INTO the branch and file a fraud complaint resulting in getting our funds put back into our account. 

I had most of our money in our new savings account which is an account we do not typically have activity in because it just sits holding money. I more closely monitor our checking account because that one has activity in it. I did not notice the {$2.00} ACH from our savings XX/XX/XXXX then in XXXX XXXX {$2.00} and {$2.00} XX/XX/XXXX XX/XX/XXXX {$3.00} XX/XX/XXXX {$3.00} XX/XX/XXXX {$1.00} XX/XX/XXXX {$9.00} XX/XX/XXXX {$3.00} XX/XX/XXXX {$9.00} At first I glanced at these smaller amounts because so minute I thought dividends it did not register. Then on XX/XX/XXXX as the country was facing a pandemic and things were shutting down larger amounts started coming out. I was like most people dealing with job loss, children having to learn how to work from home to keep up with schooling. My husband was trying to retain the clients he had by offering free services so that they might return when businesses opened up again. Not normal circumstances for anyone. 

As we sat struggling through quarantine, the hackers successfully removed {$7400.00} from my savings in 10 transactions between XX/XX/XXXX and XX/XX/XXXX. I was notified that I reached the withdraw limit that's when I noticed the activity and filed with chase fraud that moment. Because they were so helpful the first time this happened I had no doubt that they would seen this fraudulent activity and we would see out money again. 

I understand that this is spread over a period of time. What they need to understand is the situation itself. This is an account that we let sit so do not check on it as often as we should. The actual time frame with the most money stolen was during a worldwide pandemic which everyones focus was all over. The vendor name on the ACH transfers was one we are familiar seeing because we use XXXX XXXX   however this is not actually XXXX. Even that did not put up a red flag at first glance. 

There is information I found when looking at regulation E which was written back in the XXXX XXXX when we really didn't use online banking like we do now. Perhaps that should be updated. Apparently there is only a 60 day window from the first transaction which there was only one XX/XX/XXXX for {$2.00} then nothing until XX/XX/XXXX so nothing else is even considered even though it is straight up theft any way you look at it. I do take responsibility for being in a terrible situation along with the entire world, country, and state and I do wish I would have caught this in XXXX. If it was in the checking which we use daily it would have been caught ASAP, first attempt. 

Thank You XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (TN)

I ordered special 3 items for {$36.00}. I received all three items but at different times not all together. I paid for the first item which was too big but kept it anyway. When the other two items arrived I was charged individually for each item. I went to post office and had them returned. It wasn't my fault that postal service was slow getting their items back to them. They sent me bills about the items, I sent them the tracking numbers of the items that were being sent back to them. They rung my phone everyday for months over and over again. Seeking a payment that I didn't even owe and was adding interest daily to the changes trying to get more money out of me. They know they were wrong and yet, they still sending me catalogs still trying to get me to order something else with all this messiness going on. That's not a very reputable company, at least I doesn't think so.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

These addresses and personal information are incorrect and would like for these to be removed from my credit report immediately. 

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
Consumer complaint received 2024-02-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (CA)

XX/XX/24- received an alert from experian stating that my credit report had changed. It showed that my credit was run by Wells Fargo credit card services. I soon after received a phone call from Wells Fargo application fraud about this. Someone had attempted to open a card in my name, without my knowledge. Wells Fargo did deny the application and put in to remove the inquiry from my credit report. I have had 2 other similar situations happen with XXXX XXXX, which I have filed a separate claim about. I spoke to experian and they urged me to report this activity through FTC/police. They also removed inquiries from my credit report in regards to Wells Fargo and XXXX XXXX.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Collection Management Holdings, LLC (CA)

I disputed this it is incorrect and should not be on my credit report I have gotten taken off with XXXX but XXXX and XXXX is inaccuratly reporting and I would like to have it removed as well it is no longer reporting on XXXX the only two still reporting is XXXX and XXXX
Consumer complaint received 2023-04-26
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. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-04
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. (NV)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 2024-02-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO Bank, N.A. (NY)

This complaint regards BMO Bank checking account XXXX. I opened it on XX/XX/23. I had trouble setting it up, with XXXX, separate, {$100.00} deposits. I was eventually referred to XXXX XXXX of BMO. Her number is ( XXXX ) XXXX XXXX. 
Eventually, the {$200.00} did show up on my account, but there is a block on my account allowing me neither to transfer money in nor out of my account. In addition, I have been charged XXXX, $ 25 monthly fees while trying to close the account. I have left XXXX XXXX numerous voicemails over the past 3 months, none of which have been returned.. This week, I started from " scratch '' and called customer service, and was switched to several different representatives in different departments. None were able to lift the block. Finally, after XXXX minutes, my call was routed to XXXX XXXX, for whom I left another voicemail, to no avail! 
Please have BMO restore my {$50.00} in fees, and have the block on my account lifted so I may transfer my {$200.00} out and close my account. 

Thank you, XXXX XXXX ( XXXX ) XXXX XXXX
Consumer complaint received 2024-05-28
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)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC. (AL)

Navient and XXXX, and XXXX can not provide the original dates, signatures, and promissory note information from original student loans using inflated loan amounts on credit reports for XXXX, XXXX, and XXXX, therefore, this is fraudulent and illegal to have on the credit report and must be removed immediately according to 15usc1681b ( a ) ( c ).