davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

On XXXX/XXXX/XXXX, Equifax informed me of a data breach and told me I was an individual on the list of potential victims of a data breach that occurred over 1 month ago. There was no valid explanation for why it took over 1 month to report this to me, as the consumer. Upon calling the company multiple times inquiring as to whether or not my data was compromised, I was told again and again that they do not have this information. All I am able to find out is that I " may '' have been impacted. I have now had to go and spend a good chunk of my day checking all of my reports, verifying all of my accounts, changing all of my passwords, and so on ... for a " may '' have been impacted scenario. This is a company that I trust ( whether I want to or no ) to properly handle my personal and financial information. I would have hoped to have been properly notified when this breach occurred, as opposed to a month later. I would also have hoped to have a definite answer before going through this trouble.
Consumer complaint received 2021-05-13
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I was issued a Bank of America Prepaid Visa card to access my unemployment benefits from Maryland. Every time I tried to use the card Bank of America would put a fraud hold on my card. The last time a very rude BOA employee refused to unblock my card and hung up on me. I ha s contacted BOA repeatedly asking to have the hold removed. BoA states that Maryland Unemployment must remove the hold. I have contacted Maryland multiple times they state there is no hold on my account from them and BoA is to blame. Maryland has sent messages to BoA on multiple occasions confirming there should not be a hold on my account. Last week a supervisor at BoA promised to mail me a check with the balance on my account. This week when I still had not received the check I called back, today the supervisor at BoA stated that the account was still locked and the check was canceled/not processed. I have been trying to resolve this issue for over 18 weeks, BoA is stealing my entitlements and holding them hostage. BoA refuses to provide any assistance.
Consumer complaint received 2017-09-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Account Services Collections, Inc (MD)

We received a letter about collecting a debt from Account Services ( absurdly enough, that appears to be the actual name of the company ). The letter stated that it was regarding XXXX XXXX XXXX and the claim ID is : XXXX. None of this means anything to us as this is the first we 've heard of any of this. So my family member who is also an attorney offered to reach out and get the necessary information to find out what this is about. She called and the person in charge of the account refused to give her any information over the phone as I was not present so then she requested that they send me information about the claim in the mail, just as they did the collection letter. She did not request it to be sent to her or require them to give her any information as they refused, but merely requested that they send the information to me using the address they already have on file for me. The representative refused to acknowledge this request even though she repeated it multiple times so she asked why he was refusing to provide information to the person from whom he was trying to collect a debt and he ended the call by saying that collections would continue. But I will not pay a claim that I do n't know anything about and do n't even know if it 's a legitimate claim on me and he refused to send any information about it, even though he could easily do so since he obviously has my address.
Consumer complaint received 2021-05-13
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: Experian Information Solutions Inc. (FL)

These credit breaks are reporting fraudulent information on my credit report 1. XXXX XXXX has a payment agreement of XXXX $ per month 2 XXXX is not mine 3XXXX is not mine 4 XXXX  XXXX  is not mine
Consumer complaint received 2021-05-13
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

On XX/XX/21, I reviewed my credit report and became aware that I have been a victim of identity theft. There are several fraudulent accounts on my credit report and I submitted the documentation to each credit bureau ( XXXX, XXXX and experian ) to correct the fraudulent accounts on XX/XX/21. I mailed in a certified letter, signed and a FTC Identity Theft Affidavit to have the fraudulent item ( s ) removed. According the the Fair Credit Reporting Act, Section 611, I have to allow 30 business days for the investigation and then wait for a response. Today is XX/XX/21 and I can see XXXX has deleted the fraudulent account however, XXXX and Experian have not. I have not been notified by mail from either Experian or XXXX of their investigation and it is clearly longer than the 30 business days as of today. The tracking number for Experian is : USPS : XXXX, Delivered XX/XX/21 and the tracking number for XXXX is USPS : XXXX, Delivered XX/XX/21. I have spent over {$500.00} of my time is mailing disputes and having to take off of work to take care of this matter. I am not submitting a formal complaint to get the expedited help I need to correct this and to also help me so I can take a loan out due to the world wide pandemic.
Consumer complaint received 2021-05-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (GA)

Bright Lending says that they gave me a loan for {$800.00}. I did not request this and the monthly payment is {$250.00}. After receiving this information I called the company and they told me that the interest per day was {$14.00}. 

THey then told me that the percentage rate is 700 % and, since that loan was originatedd on XX/XX/XXXX, less than 30 days ago, I already owe {$1200.00}.
Consumer complaint received 2023-07-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (LA)

{$17000.00} of principle only payments not applied. Fraudulently stated they have not received XXXX and XXXX payments although my bank stated the checks has been received by MM and cashed. I have reached out to MM gave them dates, check numbers and dollar amounts sent. This is a criminal company that need to be investigated. XXXX XXXX XXXX XXXX  has hundreds of complaints similar to mine. There is no online email address to inquire about issues, which I assume so that they can avoid a paper trail and deny that they received anything just like they have for my payments. I will only supply additional information upon their request.
Consumer complaint received 2021-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION (IL)

At XXXX I transferred XXXX $ and XXXX $ into My BBVA USA account in two transfers from my XXXX XXXX XXXX account to BBVA account # XXXX. At the same time I transferred it I went to the ATM to get the BBVA balance and it said XXXX. After XXXX XXXX transferred the funds BBVA claimed they were never received but my account went from XXXX $ to XXXX . The bank stole both deposits as I owed only XXXX $ to them and a photo of the atm receipt is attached. The XXXX transfer numbers are ( 2021 XXXX XXXX XXXX $ ) ( XXXX {$2000.00} XXXX XXXX ) XXXX. 
Please stop their theft of my transferred funds. They never showed up.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is XXXX to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress. It is crucial that you rectify this error without delay.
Consumer complaint received 2022-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

As a consumer, I actually have protection under the law that is delivered to me to secure me from information simply being noted on my credit report. But despite all the complaints I sent to CFPBand Transunion, nothing has changed! So once again, I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. I'm attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-11-02
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: Experian Information Solutions Inc. (FL)

I submitted a letter to the 3 Credit Bureaus to update these erroneous 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I applied for the Capital One Quicksilver Card. There was a promotional offer, Spend {$500.00} in the first 3 months and get {$200.00} back. I spent {$500.00} and never got the {$200.00} back. I was never told that I was ineligible for the offer. After I called customer service on XX/XX/2021, I was told that the offer was not available when I applied through the website. This is false. The fact that it was clearly written on the website is the reason why I applied in the first place. The customer service rep then said that if I were eligible for the offer, it would have said so after I was approved and that I got the 0 % APR instead of the {$200.00} intro bonus. This is also false. Capital One never said that the {$200.00} cash bonus has to be listed anywhere other than the first page. Most banks do not say, " You will get the bonus '' after approval. They just give the bonus after the requirements are met. Further, nowhere does it say that I will get either the 0 % APR or the cash bonus, but not both. I am supposed to get both according to the website. Before applying it gave vague circumstances under which people might not be eligible, but I did not fall into that category. The bottom line is that Capital One mislead me into believing that I would get {$200.00} back after spending {$500.00} in the first 90 days, but they never properly notified me that I am not eligible for the bonus. Capital One has a very corrupt method of getting people to apply for their cards. They advertise the introductory cash bonus, but then they do not pay out the bonus. They also do not tell people who are not eligible that they are not eligible. When the customer contacts them, they lie and say that the bonus was not available at the time of application. Then when the lie does not work, they lie again and say that it is either the bonus or the APR. Then when none of that works, they say that the customer should have known since the bonus was not listed anywhere after the application was approved. This is not the case with XXXX or XXXX XXXX, or any other bank I know.
Consumer complaint received 2021-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2021, I awoke to an email from CapitalOne stating that my account ending in # XXXX was restricted due to an SBA request for the EIDL amount. I contacted SBA prior to contacting CapitalOne & they knew of no restriction at that time. The amount was approximately {$71000.00}, so hardly chump change to most people ; however, not once did either of your customer service points along the way show any empathy for the gravity of the amount of situation. After a very long hold, I received XXXX who preceded to interrogate me & have me beg for my funds. I dont need to give my detailed account because the call was recorded ; however as was stated in my complaints, XXXX uses his position of authority to bully people & this is unacceptable. Im still awaiting resolution from SBA or CapitalOne currently ; however, thats not the point of this letter / complaint. There is no excuse for bullying behavior at any time & especially with your customers. As a successful small business for 19 years, I understand the value of a customer & customer service. XXXX supervisor, XXXX, could also be reminded of that in my opinion. This letter & complaint is not just for me, but for all the other small businesss & clients XXXX, XXXX & your company bully and stall.
Consumer complaint received 2022-11-02
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. (MI)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account # : XXXX To Whom It May Concern : This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus, another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will AGAIN request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " XXXX  by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the XXXX in my defense. I expect to receive the proof requested above within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted. 

Kind regards, XXXX XXXX
Consumer complaint received 2021-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

I have an account with Citibank and use XXXX to transfer money between myself and my son at another bank. I was shocked when, without notice, Citibank froze my account without contacting me. When I called, they could not explain why the account was frozen and they have informed me that they are closing my account without any explanation. Now I cant receive my paycheck this week and I am being harmed financially. This is unconscionable and a completely unfair banking practice that should be investigated.
Consumer complaint received 2021-04-27
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO LOAN OR LEASE 1. XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$6000.00} -This is not my account.
Consumer complaint received 2021-05-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

In the Fall of XXXX and again XXXX of XXXX I called Navient to see how I could reduce my loan payments, Instead of telling me about income based repayments they steered me into a forbearance which, when it was over, caused accrued interest to be capitalized into my principal. Additionally they mis-attributed the time of the XXXX forbearance to dates when I was working full-time for a non-profit and paying my student loans back -- these payments and all payments made before I knew about IBR were rejected for the temporary relief program. They also never told me that I needed to be in an incomebased repayment program to qualify for PSLF so three years of work at low pay is down the drain in terms of PSFL.I have transfered my loans to a different servicer but all the information that came with them is from SallieMae and Navient.
Consumer complaint received 2021-05-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/2021 Wells Fargo cashed a {$420.00} check without the check being endorsed. They said the person used a mobile device to cash the check. Even Mobilly you Must show the Front and Back of the check. These Are Banking RULES and REGULATIONS which must be followed. 

Wells Fargo again thinks they are above the law. I filed with you because it states your government agencys main objective is to PROTECT customers from being XXXX by Financial ( Banking ) institutions. I will be consistent.with filing this complaint until the matter is resolved by returning my money. 

These are Banking Rules and Regulations which were grossly broken, cashing a check that was NOT ENDORSED. We all know this is ILLEGAL.
Consumer complaint received 2021-05-13
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. (PA)

I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.
Consumer complaint received 2022-11-02
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or correct this 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX Account # XXXX Under 15 USC Code 1681a ( 2 ) ( A ) ( i ) late payments are transactions and transactions are excluded from a consumer report.
Consumer complaint received 2023-07-29
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. (SC)

I submitted a letter to the Equifax Credit Bureau to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX : {$2600.00}