davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMO Bank, N.A. (CA)

I am writing to address the significant impact that BMO Harris NA actions have had on my personal credit profile. Specifically, BMO Harris NA reporting late payments for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX has severely affected my ability to refinance. 

According to 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely related to transactions or experiences between me, the consumer, and your company, the entity making the report. The late payments you've reported are part of my payment history and are inherently tied to the transactions

and experiences between your company and me. Consequently, these late payments have negatively impacted my consumer report. Moreover, I reached out to BMO Harris NA via email on XX/XX/XXXX, to address this issue, but I received no response or action from BMO Harris. About the inaccuracies in my credit report. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I submitted a letter to the 3 Credit Bureaus to delete these unverified accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I have an account with PayPal and I noticed that few transfers transactions from other country XXXX that I do not know anyone, were withdrew from my bank account, I tried to dispute these transfers transactions but I was only able to disputed 3 transactions. I did not authorized money transfers to this person, I do not know if this person logged in into my PayPal account and made those transfers, I do not know this person from overseas, I will attach the list of numerous of transfers donned by fraud. PayPal refused to help me and correct this matter, I was a victim of a scammed
Consumer complaint received 2024-05-21
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (VA)

On XX/XX/XXXX, my NFCU bank account login was hacked. I was contacted by the scammers unbeknownst to myself. A " XXXX XXXX '' took out a XXXX loan while in my account and I never received the loan documents or authorized this loan. Once the money had been deposited into XXXX of my checking accounts, the scammers got XXXX separate transactions from that XXXX deposit totaling {$8900.00}. This was reported to NFCU when they told me to update my phone, change all email passwords, before allowing me access back into my NFCU account. My initial fraud claim was denied and I received this notice when I got a letter from NFCU stating I owe them {$17000.00}. I filed an appeal and on XX/XX/XXXX I was notified over the phone that my appeal will also be denied still finding me liable. On XX/XX/XXXX I contacted the security department to request what steps were taken to even look into this fraud claim and they told me they can not share anything with me regarding the reason for denial and my only recourse is yet another appeal. I am seeking legal assistance to combat this wrongful decision. 
Attached is the statement from my mobile app showing the loan for XXXX has been satisfied. 

Since the appeal was written in XXXX, I have learned from the XXXX XXXX department that the individual who applied for the loan put down his name as " XXXX XXXX '' and stated he had no income and was a part-time XXXX XXXX No one by the name of XXXX XXXX is an authorized user on my account, and as previously stated, I was locked out of my account when NFCU authorized this fraudulent loan and allowed XXXX external bank transfers to take place from this XXXX deposit into my checking account. 

I plan to add this information to the second appeal form since it has been brought to my attention that they apparently do no additional investigations themselves and rely on the statements I provide to make their determination. 

In no way is NFCU losing {$17000.00} and therefore it is exceedingly apparent they are grossly negligent in their demand for my repayment of such a figure within their denial letters.
Consumer complaint received 2024-06-09
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. (GA)

Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND EQUIFAX. 

I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. 

This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies You are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802 I request that you provide me the " Aggravated Value Of Purchase '' showing how much you paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING. 
. 
THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR ORGANIZATION IN THE UNITED STATES XXXX XXXX.
Consumer complaint received 2024-06-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (GA)

The fair credit reporting act prohibits consumer reporting agencies from reporting negative information that is more that 7 years old. Consumers reporting agencies must correct, or delete inaccurate, incomplete, or unverifiable information. Incorrect information, inaccurate, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information IT HAS BEEN VERIFIED AS ACCURATE. If consumer reporting agencies, or in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, and I may be able to sue in state or federal court. 
According to www.consumerfinance.gov/ learn more ; Credit Reports & Identity Theft , fair debt collection practices act, consumer reporting agencies are required by law to remove most negative information about your account after 7 years, most keep selling consumers information. This account was opened XXXX XXXX, XXXX, which means in XXXX, this account was too old. The statue of limitations in Georgia is 6 years. Upon 6 years, the debt will become time- barred. This account is over 9 years and 7 months. Capital one started collected payments after the 6-7 year mark, which is definitely a violation. I have also requested documents from my bank showing I was making pay.ents monthly, after the 6-7 year mark.
Consumer complaint received 2024-05-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION (TX)

Money was sent to my account in error. I immediately asked Navy Federal credit union to reverse the payment back to the sender. The bank refused and stated that my account was in the negative and the money that was accidentally sent covered the negative in the account.
Consumer complaint received 2024-03-21
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. (GA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been XXXX  days and you are in VIOLATION of this law because I am a victim of identity theftIl Please delete these items IMMEDIATELY! 

( Account name XXXX Account number XXXX ) ( Account name XXXX XXXX XXXX Account number XXXX ) ( Address XXXX XXXX XXXX XXXX GA XXXX ) ( Address XXXX XXXX XXXX XXXX GA XXXX ) These accounts and addresses should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2017-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (LA)

I have made a prior complaint against my mortgage company for gross mismanagement of my mortgage since its inception. It was not resolved to my satisfaction, although the company was able to gloss over the details with the CFPB so that the case was closed. In XX/XX/XXXX and XX/XX/XXXX, the problem was finally resolved, but with no help from my complaint. It took me screaming and multiple calls to finally resolve the issue. The company, after 8 months of going from department to department, finally completed the paperwork to acknowledge that my mortgage did NOT have an escrow. In the interim, even after submitting my case, they continued to mismanage by suspending my payments because the amount differed from the expected payment ( with escrow ) even though they acknowledged their error with adding the escrow. <P/>In XX/XX/XXXX, I contacted the company and the suspended payment ( for XX/XX/XXXX ) was rescinded, no late fees, no issue to my credit - and they accepted my original loan payment as payment in full. <P/>In XX/XX/XXXX, I 'm starting to get robo calls to call them immediately. After 2 days of calling and returning, they acknowledge that the robo calls are for late payment reminders - but since the calls started on XX/XX/XXXX- I am 9 days from my payment being considered delinquent. They acknowledge their error - that robo call reminders do not go out during the 15 day grace period. <P/>I am alleging that this is retaliation for the complaint.
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have had an account with XXXX XXXX that started in XX/XX/XXXX. I made a payment onXX/XX/XXXX confirmation # XXXX and they never took the money out of my account and then hit my credit with a late mark. 

I have attached a letter from my bank stating that they never tried to take money out of my account in XX/XX/XXXX and that my bank never declined a payment to XXXX XXXX. I never changed account numbers or anything and I made payment from the same account I have saved online. 

This error is not on my part, it is on XXXX online system and I feel it is unfair to hit my credit when it is a mistake on their part. Please remove this mark from my credit immediately.
Consumer complaint received 2017-07-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

NationStar mortgage called me on X/XX/17 with an offer to refinance my ARM mortgage. Spoke to XXXX for over an hour inquiring in about the rates, terms, closing costs of the HARP eligible refinance. Based on conversation, it sounded like a good deal to move forward to so I agreed to have my credit pulled to continue further ; however, once that was done, the conversation felt very much as bait and switch ; each rate quoted was at the top end and the closing costs were double the original discussion AND for the first time Points were mentioned. Prior to this, for the full hour, there was no mention of points at all. When I called this out, as a bait and switch, XXXX went silent, tried to defend himself, and then ultimately hung up on me. Now my credit file has bit hit with a formal inquiry, I 've wasted time and it feels very much like a bait and switch, unfair and abusive act practice of this mortgage company that has had these type of problems already.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (PA)

OVERVIEW : This complaint concerns both Chime and XXXX XXXX XXXX 

I was charged {$2300.00} by Chime to pay a bill via a paper check, but the bill was not successfully paid. The check was returned as unpaid due to a mistake by the check issuing bank ( XXXX XXXX XXXX ), which erroneously flagged the check as " Altered/Fictitous. '' Thus, the funds did not make it to the intended recipient, but after several weeks ( and multiple communications with Chime customer support ) the money still has not been returned to my account. 

DETAILS : I have a checking account with XXXXXXXX XXXX, which was opened through ( and is managed via ) the Chime app. 

On XX/XX/year>, I requested via the Chime app that a physical paper check in the amount of {$2300.00} be mailed to XXXX XXXX to pay an invoice. This full amount was immediately deducted from my checking account. The check was mailed and received by XXXX. 

My understanding is that Chime uses a service called XXXX XXXX to issue paper checks, and that the checks themselves are created and mailed by XXXX XXXX XXXXXXXX, acting as Chime 's agent. See attached document copy of check. 

On XX/XX/year>, XXXX deposited the check into their account at XXXX XXXXXXXX XXXX and the funds were delivered. 

On XX/XX/year>, XXXX received a notification from XXXX XXXXXXXX XXXX  that XXXX 's account was charged back the full amount of the check, plus a {$15.00} fee. The reason was that the check was " Returned as Unpaid '' because XXXX XXXX XXXXXXXX had flagged the check as " Altered/Fictitious. '' See the attached copy of the chargeback notice. This was obviously erroneous, as I myself had authorized the check, but the upshot is that XXXX is not in possession of the funds from this check, so I did not get any benefit from the {$2300.00} that Chime deducted to my account. 

I contacted Chime, detailing the problem as above, providing documentary evidence of the chargeback, and asking how and when the funds would be returned to my account. Ostensibly, the money is still with ( and perhaps never left ) XXXX XXXX XXXXXXXX. Despite repeated assurances from Chime customer support that they were investigating the matter, it has been several weeks and the funds still are not back in my account. 

In my view, it should be a very simple matter for Chime to confirm the erroneous " Altered/Fictitious '' flag by its agent XXXX XXXX XXXXXXXX XXXX and to return the money to me. It should not be a month-long process involving dozens of phone calls and emails, which is why I have lost confidence that Chime is both able and willing to remedy the situation, and I am now reaching out for help from the CFPB. Thank you in advance for any support you can provide in this frustrating matter.
Consumer complaint received 2024-06-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I ordered a pair of XXXX XXXX from XXXX, a resale website. When I received the shoes, I was skeptical of their authenticity and I sent them to be authenticated by professionals at XXXX. XXXX confirmed the shoes to be fake. 

I called the number on my receipt provided by XXXX multiple times and it gives a busy tone no matter what time I called. 

I have all my receipts for the purchase and the authentication process at XXXX. 

I contacted capital one in an effort to dispute this charge & they are not helping regardless of the requested documents I uploaded for them. 

Thank you for your time.
Consumer complaint received 2024-07-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I phoned Bank of America on Sunday XX/XX/year> and was on hold for more than 40 minutes waiting for a customer service representative because apparently, BOA won't allow me to close my account via their website ; requiring that one speak to an agent. I phoned again the morning of XX/XX/year> and was on hold for 24 minutes without a response. I phone the afternoon of XX/XX/year> and became frustrated being on hold for 45 minutes. I can not stay on the phone for hours at a time to close my account. I simply want to close my credit card account that I have not used in the past several years. How can I accomplish this if no one will pick up the phone?
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-06-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

On XX/XX/XXXX, XXXX XX/XX/year> Portfolio recovery flagged my account as collections without verification of the dept. I received multiple calls for months I repeatedly ask for them to provide me with the contract were they refused. I disputed this dept through XXXX multiple times Experians responses was the dept was verified I then sent a validation letter to XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/year> were they did not respond but they did stop furnishing my data. I have now receiving emails and text from XXXX collection agency concerning this dept I did not want to take this route but this company destroyed my credit to the point it was under a XXXX and now the cycle must cease thank you
Consumer complaint received 2018-08-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Perfection Collection (GA)

I received a call on my cell phone around XXXX XXXX XXXX from someone asking for my husband XXXX XXXX. Her name is XXXX XXXX and she is a representative on the behalf of XXXX XXXX XXXX. She was very rude and would not tell me what the call was about and stated that it was something regarding my husband, I asked what it was about and she refused to tell me, she was very rude and unprofessional so she ended the call because she tried to claim I was being rude to her, not true, all I was asking for was information. So she proceeded to leave a very nasty and rude voicemail on my phone stating that she would be at our house within the hour to serve my husband with papers and that someone better be here to verify that he is signing the papers and that if he wasn't home she would then go to his place of work and ask to speak to someone in the hr office about his whereabouts and that if she could not get a hold of him then basically it was a refusal to sign the paperwork and then it would be referred back to the office which is XXXX XXXX XXXX. What she did is illegal she can not act as a legal representative on this company without proof that she is legally allowed to do so and she would not provide me any further information.
Consumer complaint received 2017-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

I was contacted X/XX/17 by a company with multiple names listed XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX that stated they could help me with my student loans and and that the company was created on behalf of the Dept of education. I felt very pressured over the phone but this company had all of my information so I assumed it was a legitimate company. Now I am concerned that I may have given more of my information to a fraudulent company. My XXXX with my social security number as well as signing agreements. They told me what Navient my student loan servicer is telling me is false information. They also told me that they could help me decrease my student loan payment and that any payments I 've made so far with Navient wo n't count towards my student loan payment and I would need to start over. The person I spoke with was XXXX XXXX XXXX. This company also charged {$1300.00} to complete my application with the dept. of education for public service loan forgiveness that would be deducted from my bank account by a third party. I do not want this company making changes to my account on my behalf. Unfortunately, I signed some papers and now I am doing everything I can to prevent this from happening.
Consumer complaint received 2023-10-23
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. (MA)

PLEASE VERIFY THIS ACCOUNT, BECAUSE THIS INFORMATION IS INCORRECT BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX