davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Money stolen from my Bank of America checking/saving accounts.

At the morning of XXXX, I received several emails showing my

Bank of America online banking was changes. I could not access my BofA online banking because my online credentials have been compromised too. I went to Bank of America local branch and found out that around {$9000.00} was transferred out of my Bank of America account at XXXX, several hours ago. I immediately requested a STOP payment of the transaction since it was not made/authorized by me.The banker denied my request and saying that the payment can not be stopped while been processing. The banker asked me to report as fraud later on once the transaction has been completed. I don't know too much about how bank works internally. I had no choice but to wait. 

Since XX/XX/XXXX, my checking/saving account and credit card account has all been compromised. I've been contacting BofA almost daily by phone calls or went to local branches. I also went to the local police department to report this money stolen/ identity fraud activity on XX/XX/XXXX ( attached ). 

I was finally able to file a fraud claim on XX/XX/XXXX, which is almost XXXX weeks later. My claim number is XXXX. ( I made several appointments with banker and wanted to file a fraud claim. All my attempts failed due to system malfunction and other excuses ). 

XX/XX/XXXX, BoA conclude their investigation by saying I authorized the transaction myself. The fact was that I did not authorized the transactions and I reported the fraud activities within XXXX hours. I clearly stated that I want to stop the payment when I met the banker at my first visit.

The bank wants me to wait until the transaction been processed. I did so. The bank made it difficult for me to file the fraud claim by having system malfunctions. The bank concluded me authorized the transaction myself despite the fact that I went to a local brand and clearly asked a stop payment of the fraudulent transaction.
Consumer complaint received 2024-01-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (KY)

This debt has been on my record since XXXX its been dormant and disputed, now after 6 years, it is now affecting my score when i was told it would fall off in 2-5 years. Why has it resurfaced?
Consumer complaint received 2024-01-06
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: First National Collection Bureau, Inc. (PA)

National Collection Bureau , Inc., a debt collector. Contacted me via telephone using an anonymous phone number to deceive me into accepting a contract that I have no idea about. This language is profane, and violates my consumer rights. 15 usc 1692 protects me as a consumer from abusive and misleading phone calls @ XX/XX/XXXX, XXXX. The bogus phone number that they used to contact me was XXXX XXXX. This is false and misleading. I would like to see for damages of {$1000.00}, for violating title 47 u.s.c 223 ( b ) ( 2 ).
Consumer complaint received 2018-11-13
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. (CA)

Equifax has been non-compliant with removing the unverified account XXXX   XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2021-01-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

I have sold cryptocurrency on binance exchange, then when i have received my money ( direct payment on my PayPal account ) next day buyer made charge back of money with reason " unauthorized transaction '' ( no money, no cryptocurrency ), support of PayPal not helped me, support of XXXX not respond, i don't know what to do and if i can't receive my money at least punish person that made this with me.
Consumer complaint received 2024-01-08
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (AZ)

on XX/XX/23 I pulled my consumer credit report and found Toyota Motor Credit is inaccurately reporting a 30 late payment on my account.

I did not give permission to furnish this information to any Credit Reporting Agency according to 18 USC 1028 ( a ) this could be a violation The furnishing of this inaccurate information has harmed me. Debtors can not furnish performance reports without expressed written permission from the consumer. 

I was not given a 5 day notice before reporting this item to a credit reporting agency.
Consumer complaint received 2024-03-25
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: Experian Information Solutions Inc. (NY)

I am writing to follow up on my previous complaint regarding the negative entries on my credit report that I requested to be removed. I appreciate your response, but I must express my disappointment with your statement that these entries were validated and updated. I firmly believe that these are unverified items, and I have no recollection of these negative accounts.
Consumer complaint received 2024-01-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Finance Company, LLC (DC)

Reported this account is not mines uploaded police report attached and a new id and social security was sent out to me name CELTIC BANK/CONTFINCO Account number Account type Credit card Responsibility Individual Date opened XX/XX/XXXXXXXX  Status Closed. {$910.00} written off. 
Status updated XXXX XXXX  Balance {$0.00} Balance updated XX/XX/XXXXXXXX  Recent payment - Monthly payment - Credit limit {$750.00} Highest balance {$910.00} Terms
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (GA)

The account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 effective immediately and indefinitely concerning the account in question below. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation.
Consumer complaint received 2024-01-04
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Cash Link USA, LLC (TX)

Contacted me on XX/XX/2024 stated that the court office contacted them about a matter and stated that I intentionally defaulted on a loan and there was a red flag in his office stated I was irresponsible because I didnt pay the loan company back got very hostile over the phone wouldnt even tell me the company he was calling from stated he was calling on behalf of his client and I needed to pay or set up an arrangement. I ask if he can provide documentation and he wouldnt even give me that stated I needed to be more responsible was very rude and treated with such disrespect.
Consumer complaint received 2024-01-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

On XX/XX/XXXX, I received the attached letter from a company called XXXX XXXX XXXX attempting to collect on a debt for an HSBC account from 20 years ago. I have filed a CFPB complaint with HSBC on a prior collection attempt from 3 years ago and they sent me a letter RE : CFPB Case # XXXX on XX/XX/XXXX stating that their records do not show this debt. This company XXXX XXXX XXXX XXXX is constantly calling myself and my relatives and tries to collect on a debt that would be time barred if it was real. They are in violation of consumer law section 1006.26 ( Collection of Time Barred Debts ) which states that ( b ) Legal actions and threats of legal actions is strictly prohibited. A debt collector must not bring or threaten to bring a legal action against a consumer to collect a time barred debt. The attached letter received today is a direct violation of this rule. It has a series of references to Liens, Garnishments, Bank Levy and lawsuits. I'm filing an additional complaint against HSBC as they are listed as the original creditor on this letter.
Consumer complaint received 2024-01-04
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: CREDIT ACCEPTANCE CORPORATION (DC)

ON THE FOLLOWING DATES XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MULTIPLE INSTITUIONS AND COMPANIES HAVE INQUIRED INTO MY CREDIT FILE REPEATLY WITHOUT MY EXPRESSED PERMISSION I HAVE NOT GIVEN ANY OF THESE FINANCIAL COMPANIES WRITTEN AUTHORIZATION OR PERMISSION TO INQUIRE INTO MY FILE .THESE INQUIRES ARE THE RESUALT OF FRAUD AND ID THEFT PURSUANT TO THE FAIR CREDIT REPORTING ACT 15 USC SECTION 602 THIS IS A CLAER VIOLATION MY RIGHTS AND THIS COMPANY HAS NOT CORRECTED THESE. ERRORS
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I am a victim of identity theft and have enclosed a copy of my identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.
Consumer complaint received 2024-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/XXXX I applied for the TX HAF Program and I was approved XX/XX/XXXX. 
The company has been trying to reach out to setup payments to make the mortgage current and they have refused to reply per the TX HAF Company they sent me a letter staying that Chase was not responsive and they have now 7 days left for them to reply. 

Please have them call the call center @ XXXX This assistance will bring everything current. 

Chase stated that they transferred the loan to XXXX BUT this is something that can only be done buy the trustee. FYI As of today XXXX has no account with me XX/XX/XXXX
Consumer complaint received 2018-11-13
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: Selene Finance LP (NY)

XXXX  has been non-compliant with removing the unverified account SELENE FINANCE LLC which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that SELENE FINANCE LLC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2019-11-07
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. (LA)

All my student loans are discharged ( forgiven ) by the Dept of Education as Im a XXXX   veteran ; however, no one will listen to me or honor the discharge confirmation official letter I received from the governments XXXX servicer, XXXX, stating the same. 

None of the CR agencies are honoring it and theyre all telling me that my disputes are unfounded and the student loan statuses will remain the same as before. 

This is a broken system!
Consumer complaint received 2024-01-03
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: HW Holding, Inc (FL)

On XX/XX/XXXX, I received an email from Hunterwarfield demanding a payment of {$3000.00}, acting on behalf of a credit matter. This communication appears to involve false representation, violating the FDCPA ( Fair Debt Collection Practices Act ) under 15 U.S.C. 1692e. Upon receipt of the email, I promptly responded, requesting the provision of all pertinent legal documentation, including contracts, signatures, and validation records demonstrating any legitimate business dealings with their company. Additionally, I explicitly instructed a cessation of communication and specified that all further interactions should occur exclusively via email. 

However, on XX/XX/XXXX, I received a phone call at my office number asserting that I owed Hunterwarfield {$3000.00}. This constitutes another instance of false representation. I clarified to the caller that I had never engaged in any business transactions with their company and referred them to the email containing my instructions, emphasizing the preference for communication through email. Unfortunately, the representative responded rudely and resorted to threats after I invoked my knowledge of FCRA ( Fair Credit Reporting Act ) and FDCPA laws. The conversation became increasingly distressing, prompting me to terminate the call due to the threats made by the representative. 

Following this incident, I submitted numerous emails to Hunterwarfield requesting evidence and detailing the threats made by their representative. Regrettably, they have yet to respond to any of my communications.
Consumer complaint received 2023-07-10
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. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit 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
Consumer complaint received 2024-03-25
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. (NV)

I recently reviewed a copy of my credit report and was shocked to learn I have been a victim of Identity theft. I found numerous accounts that were not open by me. This has been hurting me as Im a n the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

Thanks in advance for assisting in resolving this matter
Consumer complaint received 2024-01-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

AS THIS IS A NEW YEAR I DECIDED TO LOOK AT MY CREDIT REPORT AND THIS IS WHEN I SAW MULTIPLE ITEMS ON MY REPORT THAT I HAVE NEVER BEEN A CONSUMER OF NOR HAVE I GIVEN WRITTEN CONSENT! 
NO CONSENT IS IDENTITY THEFT! 
XXXX XXXX XXXX XXXXXXXX XXXX {$450.00} XXXX XXXX XXXX XXXX  {$910.00} XXXX LVNV FUNDING LLC {$440.00} XXXX LVNV FUNDING LLC {$580.00} XXXX AND XXXX HAVE THE SAME ACCOUNT NUMBER ALSO XXXX & XXXX DO NOT HAVE A LICENSE TO ALLICATE BUSINESS IN MY STATE, TEXAS! WHERE I RESIDE.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (GA)

LVNV FUNDING LLC is reporting inaccurate information in regards to debt I do not owe them and is in violation of the Privacy Act of 1974 and the Fair Credit Report Act. The FCRA states that consumer reporting agencies are responsible for respecting a consumer 's privacy in regards to non-public personal information. Additionally, any information reported must be with the consumers WRITTEN CONSENT per 15 USC 1681 section 604 ( a ) section 2 and the information MUST BE ACCURATE. I have NOT provided LVNV FUNDING, LLC ANY written consent to publish my information. LVNV FUNDING LLC is in violation of 15 USC 1681 b and c because they are improperly using my consumer report and not meeting information requirement standards in regards to adverse information. In fact LVNV FUNDING LLC is committing identity theft as defined by 12 CFR 1022.3 because they are using my personal information without authority to do so or my consent. By using my personal information without my written consent they are in violation of 5 USC 552a. I have no contract with them and I have never done business with them. I did contact them requesting information to validate the accounts, and provide the original contracts and they have not done so. I have also received notices from 3rd parties which claim to have gotten my information from LVNV FUNDING LLC which is another violation of 15 USC 1681. LVNV FUNDING LLC reports information on accounts XXXX and XXXX I cant verify to XXXX, XXXX, and XXXX because they have reported inconsistent data across all 3 of these reporting agencies. I have never paid them anything ( because I do not owe them ) yet they have reported I made a payment on XX/XX/XXXX and that my account is both open and closed. They have been reporting inaccurate information since XX/XX/XXXX and are in violation of 12 CFR 1016.1 as I have received NO OPT out notices. These discrepancies also show that XXXX, XXXX, and XXXX are in violation of XXXX XXXX XXXX compliance procedures which requires them to verify information and ensure information reported is accurate. Any and all consent to XXXX, XXXX, and XXXX in regards to these accounts whether verbal, non-verbal, written, implied or otherwise is revoked. Lastly, LVNV FUNDING LLC is attempting to collect a debt I do not owe them and on accounts that have been charged off by the original creditor ( XXXX ) Per the IRS charge offs ( the debt associated with those accounts ) are defined as income and income does not get reported on a consumer report. 
LVNV FUNDING LLC, XXXX, XXXX, and XXXX are XXXX parties reporting inaccurate information on my consumer credit report. This problem must be addressed immediately.
Consumer complaint received 2024-01-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Resurgent Capital Services L.P. (CA)

LVNV placed a collection on my credit report but failed to validate it when I requested the information. This company also tried to sue me in my birth state of Alabama, where I have not lived in many years. The case was dropped because the court was provided with incorrect information. I do not owe a debt to LVNV and they have not provided me with any documentation about the debt. I have requested this information many times and have not received it, yet its still being reported on my credit report as valid. I have written many letters asking for validation and subsequent letters asking for it to be removed because this company refuses to validate the debt.
Consumer complaint received 2024-01-05
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P. (MI)

Received an email from Resurgent Capital Services trying to collect on a debt owned by LVNV which purchased debt from Original Creditor. Email received every other day by Resurgent. From XXXX I have XXXX emails from a XXXX, trying to collect this debt that still hasn't been validated or verified by Resurgent.

Resurgent/LNVN violates the, " XXXX in XXXX '' debt collection rule, which states that the debt collector may not contact you more than seven times within 7 days trying to collect a debt. Harassment tactics.
Consumer complaint received 2024-01-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (MA)

This complaint is about my XXXX XXXX loans with Nelnet.. The amount of the payment is not taking into consideration the High Cost of Living and paying other bills. Interest is climbing faster than I will ever be able to pay off. I am not getting any assistance from Nelnet to resolve the issue. My wife 's income is being calculated when trying to refinance, or consolidate. She is not my daughter 's mother and was not in my life when the student loans were taken out. I would like these loans to take into consideration all these factors and have the payments and/or interest reduced.
Consumer complaint received 2024-01-05
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Freedom Mortgage Company (KY)

What happened is I signed a sellers agree And I was told that things were working that werent and that I only have to pay {$1400.00} per year or {$120.00} per month. Then after I signed the contract the HOA started charging me other fees. I can not afford this. I didnt agree to this and no one is willing to help me