davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BOEING EMPLOYEES CREDIT UNION (WA)

I AM A VICTIM OF FRAUD AND ABUSE, BECU 'S " FRAUD CENTER '' IS FRAMING ME FOR FRAUD, I ORIGINALLY VISITED BRANCH XX/XX/XXXX TO DISPUTE MULTIPLE MYSTERY TRANSACTIONS DEBITED FROM MY ACCOUNT. THE FOLLOWING DAY I CALLED THE BRANCH TO DISCUSS PAYMENT OPTIONS ON MY HELOC. IT WAS AGREED THAT I COULD SKIP A PAYMENT, THE NEXT DAY BECU STEALS XXXX $ FROM MY CHECKING ACCOUNT, THIS PUT MY FAMILY IN SERIOUS FINANCIAL DURESS, AND REQUIRED ME TO MISS WORK. I CALLED BECU AND ASKED TO HAVE THE PAYMENT REVERSED THIS TOOK A GOOD PART OF THE DAY, PASSING ME FROM PERSON TO PERSON TO PERSON, THEY REFUSED, CAUSING ME TO SEEK PREDATORY LENDING AND ACQUIRE A PAYDAY LOAN. I PULLED MY CREDIT REPORT AND FOUND BECU HAD BEEN CHANGING MY PAYMENT DATES XXXX XXXX AND BACK SO THEY COULD EMBEZZLE FUNDS. THEY DID THIS XXXX TO 4 TIMES A YEAR. I CALLED THEM OUT AND SENT THEM A LETTER, ASKING THEM TO PAY OFF MY HELOC LOAN OR I WOULD SUE THEM FOR XXXX XXXX DOLLARS. THIS WAS MORE THAN FAIR, CONSIDERING IVE ALREADY PAID BACK THE XXXX IN INTEREST PAYMENTS. THEY IGNORED MY REQUEST AND CONTINUED THE ABUSE, SUSPENDING MY HELOC CREDIT ON XX/XX/XXXX. THEN XX/XX/XXXX BECU WITHDRAWS {$830.00} FROM MY BUSINESS ACCOUNT USING A FRAUDULENT CHECK THAT DID NOT HAVE MY NAME OR ACCOUNT NUMBER ON IT. I CALLED, THEY OFFERED NO SOLUTION, WHEN I POINTED OUT THE CHECK DIDN'T HAVE MY ACCOUNT NUMBER THEY PUT ME ON HOLD, AND WITHDREW {$250.00} USING ANOTHER FRAUDULENT CHECK GUESS WHAT! THIS ONE DID HAVE MY ACCOUNT NUMBER THEY SOUNDED SO CONCERNED FOR ME THEN, THEY CLOSED MY ACCOUNT AND DEMANDED I COME TO THE BANK " URGENTLY '' TO HANDLE THIS ISSUE. THE BRANCH MANAGER STATED " YEA I CAN SEE THESE CHECKS CLEARLY ARE NOT YOURS WE JUST HAVE A PROCESS WE HAVE TO FOLLOW ''. LEAVING ME TO SUFFER WITH A CLOSED OVERDRAWN ACCOUNT W/FEES UNABLE TO RECEIVE FUNDS. I HAVE A DEVELOPMENTAL XXXX, THIS ONGOING ABUSE HAS CAUSED ME TREMENDOUS SUFFERING & I TRULY BELIEVE THIS IS WHY BECU IS CHOOSING TO DISCRIMINATE AGAINST ME THINKING NO ONE WILL BELIEVE THE KIND OF ABUSE THEY ARE CAPABLE OF.
Consumer complaint received 2024-04-16
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. (DE)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have violated my rights.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-16
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: EQUIFAX, INC. (MA)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
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 2024-04-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC (MS)

I sold a house end of XXXX and the end of XXXX I received a letter from HUD stating that I had an unpaid balance that was due at the time of the sell. Now the Treasury is attempting to garnish wages to satisfy the debt that was supposed to be paid by Carrington Mortgage when the check to payoff the entire debt was sent to them. The Treasury took my income tax return to help rectify the balance but I did not owe it. It should have been satisfied at the time of the sell. Now Im back tracking to get help in resolving the issue and get my refund back of almost {$7000.00}. I have attempted to contact Carrington for months they have gave me the run around for months now after the debt has increased due to late fees they are saying I was supposedly supposed to have paid it myself. But it was not on my payoff statement. Hid has informed me that they never received a dime from Carrington. Now I have to get the Title company who handled the closing to help me figure out how to resolve the matter.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX is currently reporting my account as late but I was never late. I contacted the company and was told they would correct the problem but it is still showing late on all credit Bureaus. XXXX had my account for automatic payments and I had an email from them saying they were going to deduct my first payment on XX/XX/2023 but they reported XX/XX/2023 as late.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MD)

The following inquiries are fraudulent on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: PatientFi, LLC (CA)

The payoff design for the website makes it so that overpayment is way too easy to do. I clicked pay off amount, they gave me no feedback that the button was pushed. I pressed it again, and then I got an email. I overpaid the loan amount by {$3200.00} on XXXX XXXX, and they are currently holding that money hostage. They say that I will receive a check within 30-45 days, but there are multiple reports that months goes by without any response from the company. They sometimes respond to others stating that, " A check has been issued on XXXX or XXXX '', but the person is waiting for an additional month to two months before saying they never received it. I am currently waiting on day # 32 after overpayment. I have sent them two messages on their website and those got 0 response. I got on a chat window with them and they replied that I will get a paper check. It's my current belief that they are harboring overpayment and holding it hostage from many borrowers and using this money to gain interest. Banks have to reissue overpayment on credit cards within 7 business days. Why is this company holding money for months on end?
Consumer complaint received 2023-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

I do not understand several points that concern me terribly, you are setting me up for foreclosure and I am worried XXXX  about the outcome of my mortgage crisis : We are struggling now because I am XXXX  with XXXX, been XXXX  for XXXX weeks and it's taken its toll on my mortgage payment and other bills. My income has dropped considerably, and you structured a repayment plan that I simply can not afford, you have not provided me with any new offers, and you have declined every policy that you have to help people who are struggling. Why did you withdraw my application for assistance, I don't get any answers, all I get is the same mail every day telling me I have to wait 30 days for an answer. So many 30 days have passed since my first email to you, all you do is send the same repetitive messages to me, I do not see any offers for me to keep my home. I have serious  XXXX  issues  and I wish you would take that into consideration because reviewing my mortgage. We need to resolve this as soon as possible ; I am so afraid that you are going to begin foreclosure proceedings against me while I am very XXXX. Can we work our sum payment arrangements such as : XX/XX/XXXX - XXXX XXXX 's payment XX/XX/XXXX - XXXX - XXXX 's payment XX/XX/XXXX - XXXX - XXXX 's payment XX/XX/XXXX - XXXX - XXXX payment XX/XX/XXXX - XXXX - XXXX payment XX/XX/900 - XXXX payment XXXX - XXXX XXXX XXXX XX/XX/900 XXXX 's payment XX/XX/900 XXXX 's payment Its going to take less than 4 months to catch up my mortgage, I am going to apply for covid assistance, its has again impacted my mortgage on a serious note. 

Please let me know what you think. I want to avoid foreclosure while suffering from XXXX, it's been horrible, and I appeal to you to look at this seriously so we can resolve this as soon as possible.
Consumer complaint received 2023-02-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

This company should not be allowed to continue to conduct business. I'm guessing that the company quickly was acquired by another company is the reason for such a delayed response to my request to have the account closed and removed from my report as I did not open the account. You can barely get ahold of the team who is supposedly the one to handle fraud investigations. This is by far the worst experience received by a company that claims to assist individuals with some sort of credit building. I have 3 emails spanning over two weeks where the company has not responded and provided some sort of update. I think I am at least owed the respect of being included in any sort of updates to my case. Completely disappointed in XXXX XXXX XXXX
Consumer complaint received 2023-12-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (FL)

On XXXX XXXX, 2023, as the original creditor, private investor I extended credits to you for the applicant/principal, based on the information in the credit application. I did not extend credits to the applicant to be determined by the applicant consumer report.ii also sent a denial error notice to your indenture trustee, bank XXXX XXXX XXXX. I am aware that there have been credits issued to my person but have not been properly reflected, issued, or disclosed to me through permissible means. I signed a promissory note along with a security agreement creating a negotiable instrument to extend credit to you as the borrower. As I am fully aware you did not have pre-existing credit, money, or assets as consideration to purchase the note or credit agreement from me. Im aware that Securitization is the process where promissory notes are turned into securities or bonds then sold to investors. The purpose is to provide a large supply of money to lenders for originating loans and to provide investments for bond holders. The procedure for selling of the notes is to create a situation whereby tax laws are observed, and whereby the issuing entities and the lender are protected from either entity going into bankruptcy. In order to achieve this bankruptcy remoteness numerous True Sales of the loans occur in which the loans were sold and transferred to different parties during securitization. Since the note will be securitized and given to a trust to provide a stream of income for investors, that is to say once converted into a stock/ security ( or securitized ), that act of conversion, impairs the validity and enforceability of a promissory note. It is destroyed and ceases to be a secure asset or negotiable instrument tied to any collateral or debt obligation. i am aware of all sec filing and cases open with amex. my application should be reconsidered sue to me providing a instrument and securities to you. if not approved send back my original note, All coupon notes ( securities ) are mailed to me as the investor, as I am the security holder with the right to enforce the instrument according to U.C.C. 3-604.
Consumer complaint received 2024-04-15
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I had a 401k for years with Merrill Lynch through my employer. When I retired I rolled the balance into a Traditional IRA thru Merrill Edge which is tied to Bank of America. I chose an IRA that would mature in 3 months. It matured on XX/XX/XXXX. After the IRA had matured I wanted to roll the funds over to a different IRA with my Credit Union. There was a problem with my Credit Union and Merrill Edge with doing this transfer. My Credit Union asked me to have them send me a Check for the balance and then they would open the new IRA for me. I called Merrill Edge and they advised me that they would be able to send me a check for this balance. This was around XX/XX/XXXX. I received a check from them for the balance less {$49.00} from them dated XXXX. At no time was I advised that I would be charged a fee for requesting a check for the balance that I had with them. I called Merrill Edge and I spoke with XXXX. He said he understood my concern because I was never informed that there would be a fee involved and that he would escalate my complaint to his supervisor. He told me that they would be back in touch with me within 24-48 hours regarding this matter. Three day later I had still not received a call so I called them again. This time I was told the there is a fee for taking my money out and they were not going to refund that money to me regardless of the fact that they admitted that I was never informed of any fees for accessing my own money when the IRA had matured. I see this fee as being excessive and ridiculous as this is my hard earned money and they have been using it for years.
Consumer complaint received 2024-05-09
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

This company is saying they bought a debt saying I owe an old apartment for carpet fees when I moved out never got notice from original creditor saying I owe too they are saying they are charging me interest on so every month on my credit report they are changing the amount owed I requested documentation they told me they would take it back to the original creditor and never heard anything else giving me proof of original debt owed
Consumer complaint received 2023-09-22
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: General Motors Financial Company, Inc. (VA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2023-09-22
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc. (AZ)

Received a Vanilla gift card {$50.00} as a gift. The card number is missing on the front of the card and the code on the back is scratched off the card. The card is useless since the card number is need for activation and balance update. Unfortunately, the customer service number is automated, so I am unable to speak to a person.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to the fair credit reporting act 15 usc 1681 section 602 ( a ) it says there's a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness impartiality and respect for consumer rights to privacy. XXXX and XXXX are consumer reporting agencies and I'm the consumer.my right to make sure my private information isn't shared is backed by 15 usc 6801. That says it's policy of Congress that each financial institution has a affirmative and continuing obligation to respect the privacy of the consumers and to protect the security and confidntuality of those consumers Private information .furnisher of information to credit agencies is a financial institution by definition under title 15 usc 1681section 604 a section that says in general subject to subsection ( c ) any consumer reporting agency may furnish a report under the following circumstances and no other. In accordance with the written instructions of the consumer to who it relates ( furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies XXXX and XXXX don't have my consent to furnish this information, nor do they have my written consent .any and all consent to XXXX and XXXX ( furnisher of information to credit agencies ) whether it be verbal or non verbal written, implied or otherwise revoked.15usc6802 ( b ) ( c ) says that a finance institution may not disclose non public personal information to a non affiliated 3rd party unless the consumer is given a explanation on how the consumer can exercise that non disclosure option. ( furnisher of information to credit agencies ) never informed me of my right to use my non disclosure option not only that,15 usc1681 ( a ) ( 5 ) says except as authorized under subsection ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information other than records of conviction of crimes which antedates the report more than 7yrs. This account is an adverse item they are reporting again without my permission which is against the law. 15 usc 1681s-2 ( A ) ( 1 ) A, says a person shall not furnish any information relating to any cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 usc 1681e says every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishings of consumer reports to the purposes listed listed under 1681b of this titleXXXX and XXXX are not maintaining reasonable procedures designed to avoid violations of section 1681c of this titleXXXX and XXXX are not maintaining reasonable procedures. 12CFR 1016.7 SAYS that a consumer may exercise the right to opt out at anytime. " I am opting out of their reporting services ''
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

This is a rebuttal One I never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX is my number but my voice isnt me on capital one recordings And XXXX I dont eat XXXX XXXX on XXXX XXXX and I dont have a XXXX XXXX And I dont have a steady income XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX for a capital one card or receive the card at my address XXXX XXXX XXXX XXXX XXXX XXXX And I will seek legal actions on capitol one credit card I didnt apply for a quicksilver XXXXXXXX XXXX XXXX Or had any other capital one cards in my life Im requesting a cease and desist I dont want any bills or statements or any offers get send to my address or again I will take additional legal actions against capital one
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (NY)

FCRA 15 U.S.C. 1681i : ALL UNVERIFIED ACCOUNT MUST BE PROMPTLY DELETED. 
I NEED YOU TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT YOU CAN NOT KEEP ON VIOLATING MY RIGHTS.
Consumer complaint received 2018-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

trying to apply for a mortgage XXXX XXXX and XXXX came back equifax didn't come up. Called equifax they said I didn't exist and that I had no history with them. Called them talked to a supervisor and told me to send a copy of my drivers license and social security card did as told still no answer did this twice already and they weren't able to help me. Called multiple times. Need this fixed since I am trying to apply for home.