davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bonneville Billing and Collections (MN)

I am receiving phone calls of harassment, profane, abusive, and vituperative language, threats of XXXX XXXX XXXX XXXX XXXX from Bonneville Collections Debt Collection Representatives for a debt of {$11.00}, XXXX from XXXX XXXX XXXX XXXX. The debt isnt my debt and is the result of identity theft. The Bonneville Collections debt collection account isnt my debt collection account. Bonneville Collections is in complete violation of the Fair Debt Collections Practices Act ( FDCPA ) whichs a violation of federal law.
Consumer complaint received 2023-05-25
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. (MO)

According to the law the bureaus are not allowed nor authorized by myself to report the information being presented on the credit report and I wish for each item to be addressed individually I have attached each report with laws and requests attached
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (TX)

The bank behind Simple ( a mobile, online-only banking service ) is XXXX and they shut down the Simple product yesterday after months and months of emails about Simple customers needing to prepare for XX/XX/XXXX, when the conversion would happen and, presumably, we'd be migrated to XXXX clients and able to activate our online accounts. Not only did they botch the conversion process, but most Simple customers have been unable to activate their accountand, hence, unable to monitor or move their moneyfor more than XXXX XXXX now. They never sent a follow up email with further instructions, instead relying on XXXX posts as their communication. They said today, XX/XX/XXXX ( SUNDAY, XXXX XXXX XXXX, we needed to call into the call center between XXXX and XXXX CST to get help. When we do, either we never reach a rep and it disconnects, or we reach a rep who gives their introduction, immediately says they can't hear us, then disconnects. I've even started with, " I know you can hear me, '' to which the person immediately disconnected the line. Someone could be using my card, spending all my money right now and I'd have NO IDEA. I have NO VISIBILITY into my account.
Consumer complaint received 2021-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

Ex wife missed a payment I was the closest signer on the loan I was never contacted by the XXXX XXXX XXXX about the missed payment. I viewed my credit report and noticed the late payment I called and had to make a payment out of my pocket on a vehicle that I was not using. I asked them to remove it in good faith from all 3 credit bureas in good faith and they didnt even have any empathy.
Consumer complaint received 2023-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/ 2021, I received confirmation letters stating their investigations were accurate TransUnion, XXXX and XXXX requesting removal of XXXX. XXXX and XXXX. XXXX Bankruptcies. I sent with dispute letter information from XXXX XXXX XXXX Georgia United States Bankruptcy Court stating, They do not report any Bankruptcies to Credit Agencies. If thats the case. How did the Credit bureaus edify my bankruptcy as 100 % accurate. 
They never did a fair investigation according to the 15 U.S.C. 1681.

15 U.S.C. 1681 section 603 ( 3 ) ( E ) States : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

15 U.S.C. 1681 section 604 A section 2 : It states that a consumer reporting agency can not furnish an account without my written instructions.

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

Also, according to 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. 

They also violated my rights numerous times. 
I havent given credit agencies written permission to furnish this information on my credit reports. These are grounds for removal or deletion of Bankruptcies.
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (NY)

I have had a Simple account for years. They switched to BBVA this weekend ( on a Saturday!! XX/XX/21 ) and it has been a disaster. I have called the numbers they tell me to call. I keep getting hung up on. I am locked out of my account. They originally didnt have any customer service hours on the weekend and added them when they realize what a problem they had. But you still cant get through and the call center is pretending not to hear you. I mean they might not actually hear me.. but I dont believe it.Errors galor. This is unacceptable. I dont even know if the username and password I picked are correct. No emails from the company explaining. I cant believe it. This should be illegal ( if it isnt! ). 
I have bills due Monday and I dont even know if I will be able to pay them becuase I dont know if my account is working.
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (NM)

Saturday XX/XX/XXXX BBVA transferred my simple account to their banking platform. Nothing went right for me ( or millions of users ) and I now am locked out of my own account. Cant access my funds. Cant see how much I have in my account. Nor use my debit card. 

XX/XX/XXXX I have been calling their customer service only to get hung up on repeatedly or they ditch the call by claiming to not hear me. Im not alone in this. BBVA needs to be held accountable for having MONTHS to figure this out and failing. While also financially screwing thousands, if not millions out of their own money.
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

On XX/XX/XXXX, I saw the promotion called BONUSXXXX ( XXXX  : XXXX ) and I decided to open a checking account. However when I opened the first account ending in XXXX I realized that in order to qualify for the promo, I had to use the promo code BONUSXXXX, I then decided to open a second account immediately, the same day, this time using the promo code, this account end is XXXX. 

When contacting Capital One customer service by phone, I was told that, that I might not qualified for the promo because the regulations say that If you have or had an open XXXX Checking account as a primary or secondary account holder with Capital One on or after XX/XX/XXXX, you will be ineligible for the bonus. But I never had an account with Capital One until XX/XX/XXXX when I tried opening the account due to the advertising of the promo BONUSXXXX. 

I called Capital One customer service on XX/XX/XXXX, and I was told that a manual exception is possible if I call on XX/XX/XXXX, to request this exception and explain my situation. I faxed Capital One Customer Service on XX/XX/XXXX at XXXX, find attached the letter that was faxed, without receiving any writing response. 

I called Customer Service one week before XX/XX/XXXX, and now I was told that even do I did the XXXX XXXX direct deposits totaling {$1000.00} or more to my XXXX Checking account within 60 days of account opening, it seems to be that the deposits were originated from Capital One and not the other way around. This information was never told to me on XX/XX/XXXX, the first time I called when the customer service representative told me everything was ok, that I only needed to call on XX/XX/XXXX for the manual exception to be applied, and I never received a response to the faxed sent on XX/XX/XXXX. 

It seems to me that I am being a victim of false advertising, in which Capital One is trying every way to not honor the advertising regarding BONUSXXXX. I tried every reasonable way to contact Capital One, however, I was ignored and when finally trying to get what was promised now I am been told that I don't qualify.
Consumer complaint received 2021-05-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (PA)

Debt allegedly occurred, XX/XX/2015. I have never been to this facility. My identity was compromised in XX/XX/2015. I have taken all necessary steps to dispute this and other debts with their original creditors. I.C. System refuses to cancel the debt/cease contacting me. I.C. System has added charges to the original debt citing " additional charges being incurred ''. I.C. System practices unlawful tactics. I.C. System has been advised that I do not owe this debt. I.C. System has been advised that this debt is invalid. I.C. System, their agents, and affiliates have been advised not to contact me anymore regarding this debt via telephone, e-mail, mail, or any other method.
Consumer complaint received 2022-11-02
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. (SC)

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 XXXXXXXX 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 2021-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: V and H Portfolio (CA)

I settled out a collection account, as settled in full, and it is still appear on my credit reports. It does not show that they were settled or anything. They appear on my XXXX  and on my XXXX  Credit Reports.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
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 — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Good day. 

I called XXXX and spoke to them and expressed my financial struggle. I also explained to them that I am going to apply for the XXXX forgiveness loan. She explained to me that she didnt have information on that and I could call back for more information. I spoke to them a second time prior to credit reporting, and I am sure the call is recorded and I was not informed as a matter of fact misguided and misrepresented with the information. Now I am showing XXXX  days past due on all my student loan information without a true representation of my conversation with them.
Consumer complaint received 2021-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I settled out a collection account, as settled in full, and it is still appear on my credit reports. It does not show that they were settled or anything. They appear on my XXXX  and on my Experian Credit Reports.
Consumer complaint received 2021-05-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Byrider Franchising, LLC (NC)

Ive purchased a car through CNAC byrider but my car has a recall. I been without my car for a month due to putting it in a shop before I knew the car had a recall on the engine. My engine is gone & I spent all my Money trying to repair it. I even lost my job due to this and not having transportation yet they still expect me to pay it. The recall started years ago before I got the vehicle. I feel like they should have had XXXX inspect it before selling it to me. This has affected my family. I demand a settlement of {$300.00} because this caused me to lose one of the best jobs Ive had.
Consumer complaint received 2021-05-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (GA)

Hi since the ending of last year Ive been trying to pay off my debt to get me and my kids a home my comenity capital childrens place account was paid in full since the beginning of this year but has yet to be taken off my report Ive disputed this account numerous times and it says its been updated but it hasnt the company was sold since my account was opened the original company says once they sale it its not their problem and the company that has it now says theyve sent a letter to delete this but the original owners would need to help me with this at this point the bill is paid and Id just like it removed. Thank you
Consumer complaint received 2021-05-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (HI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX HI XXXX CONSUMER FINANCIAL PROTECTION BUREAU XX/XX/2021 To whom it may concern : An account with CONVERGENT OUTSOURCING has recently appeared on my credit report without me having received a call or any notice. I've never done any business with this company for them to make an alleged claim of me owing them any money. On XX/XX/2021 I sent them a letter requesting their basis of their alleged claim by showing proof of my signature on the original contract to which if they could not provide this proof to delete from my credit reports however, they have yet to respond and at the same time are still reporting this alleged debt on my credit report to the credit reporting agencies which effecting my credit. Please assist. Thank you for your help and understanding.
Consumer complaint received 2021-05-09
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY (TX)

I made my payment every month, they claim payment was late on multiple occasions. First I had a extension due to COVID then the Texas freeze. Therefore, late payments should not have been reported as agreed. TD AUTO FINANCE
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

Wrong address reporting on my file. Please remove ALL address that is not correct. I have uploaded my driver 's license for proof of address. I have tried to have this removed from Experian, XXXX, and XXXX and it has not been done. This is going on for 2 years now off and on. 

Please remove ALL names that are incorrect. I have uploaded my driver 's license for proof of address. I have tried to have this removed from Experian, XXXX, and XXXX and it has not been done. This is going on for 2 years now off and on.
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (GA)

BBVA Compass bank shut down Simple Bank and stated to its customers that they would be transitioning all Simple accounts to BBVA accounts. Customers are told that account numbers would stay the same and the Simple debit cards would still work. It's been two days since the date of transition, XX/XX/2021, and I'm not able to access my old Simple account or create my online BBVA account. My debit card is not working and I have no access to my money because everyone who has a Simple accounts had their accounts locked by BBVA. BBVA had this transition planned for months. The ONLY correspondence from them has been ONE apology on their XXXX account. I found this by accident googling this issue. I don't have a XXXX account so how was I suppose to know anything that's going on? I couldn't even get an email explaining why I couldn't access my money,. When calling customer service their representatives pretend they can't hear you and hang up or you're put on hold and then your call just gets disconnected. At this point I'm sure it's considered theft.
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (OR)

On XX/XX/XXXX, BBVA acquired all Simple customers. BBVA was the parent company for Simple bank - so this should have been seamless. For 5 months, Simple customers were told that on XX/XX/XXXX, all accounts would be transferred to BBVA - checking, routing, and debit card numbers would remain the same. Simple customers could not set up their accounts until XX/XX/XXXX. 

On XX/XX/XXXX, no Simple customers had access to their accounts due to errors. We never received an email from BBVA. For over 2 days, millions of people have been locked out of their accounts, cant reach customer service, had routing numbers changed without notice, had accounts / debit cards locked without notice. Ive been on hold for XXXX  hours on Saturday and XXXX hours on Sunday with no answer. I dont know where my money is, I have no access to my account or account balance, I cant deposit my paycheck, a direct deposit got returned due to a routing number change that wasnt supposed to happen ( and I cant update it with that employer because I have no access to even know what my routing number is and I cant get a hold of anybody ). All through this there is ZERO communication or information from BBVA.
Consumer complaint received 2021-05-09
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. (IL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NY)

I missed 1 payment and am going to pay it. It will be a week late. I know, ultimately my fault, but havent been late on a payment in a long time. It is only a {$25.00} missed payment. The company is comenity bank for my XXXX visa credit card. They have been calling non-stop, all day long. Today is Sunday XX/XX/XXXX and I have received 3 phone calls already, starting at XXXX, again at XXXX and another at XXXX XXXX This is when I am writing this complaint, so will update and keep record if more come throughout the day. This is ridiculous. I am only {$25.00} missed payment late, due to current situation and circumstances. They act like I am months behind the number of time they call. 3 times within basically a 90 minute time period. The number they call from is XXXX XXXX ) which says XXXX XXXX. This is borderline harassment. I understand they want their money but come on, for a {$25.00} missed payment, this is ridiculous.