davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-23
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: BOEING EMPLOYEES CREDIT UNION (WA)

BECU opened a savings account in my name WITHOUT MY PERMISSION. I went in for a car loan at XXXX XXXX  XXXX and without telling me they had me sign paperwork that gave them the authority to open a savings account in my name. All I knew was that I was filling out paperwork to get a vehicle loan. I would never have authorized a savings account as I NEVER INTEND TO USE BECU for my saving. 

I called BECU when I realized that they had opened an account in my name without my knowledge and they refused to close it - they said I had to sign more paperwork. I WILL NOT SIGN ANYTHING FOR AN ACCOUNT I NEVER AUTHORIZED IN THE FIRST PLACE. 

This rings very similar to the XXXX XXXX scandal. Highly recommend BECU be investigated for this type of predatory banking practice.
Consumer complaint received 2023-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Hello, On XXXX, XXXX I Deposited XXXX Checks on my Capital One XXXX XXXX Account. Those checks I got from XXXX XXXX XXXX XXXX XXXX due after XXXX of a Certificate of Error on my property. It is my XXXX XXXX for tax year XXXX, XXXX, XXXX which on i was applying at www.cookcountytreasurer.com on beginning of this year and got approved. Check are amounts XXXX for XXXX XXXX XXXX, XXXX for XXXX XXXX XXXX and XXXX  for XXXX XXXX. After that bank restricted my account. I was contacting bank by the phone to verify my identity and deposits that i made. After our conversation bank says that he ( bank ) can not verify those checks and decided to close my account! I was in shock! Official checks from the XXXX XXXX XXXX  and they can not verify them after even i gave them all information and evidence of my property and persona! I've been told that i will got my funds back in XXXX business days, but after more than XXXX month Im still waiting for my check from the bank ( checks were deposited successfully ). Please, help me to return my money from this bank. I was trying to contact the bank after this but they block my number and redirected me to voicemail, but don't receive a call back never. Is it Legal to do so??
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (GA)

Per the IRS, a lender ( Bridgecrest ) that cancels, discharges or forgives a debt of {$600.00} or more is REQUIRED BY LAW to send a XXXX to the borrower. As such, the borrower must report the XXXX as taxable income and this taxable income can no longer be disputed, collected or reported by the lender. Not only has Bridgecrest failed to issue me the required XXXX, they are in violation of my rights under the FCRA 15 USC 1681 by 1 ) incorrectly reporting a balanced owed on my credit file, 2 ) reporting income that is taxable to me and 3 ) violating privacy.
Consumer complaint received 2022-11-08
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. (NJ)

I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-02-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NV)

Previous Complaint # XXXX ag. XXXX/Nationstar never resolved in that no dox ever provided as to loan ownership, assignments, or transfer of servicing rights. Additional complaint now set forth in attached dox as to NS accounting errors. Have demanded an independent audit of NS accounting practices and an audit of their errors in my particular case. Thx XXXX
Consumer complaint received 2022-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-08
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. (MD)

Experian has failed to remove the account ( XXXX XXXX Account number XXXX XXXX account. {$4.00}, XXXX past due as of XXXX ) from my credit report. They have failed to prove I am the owner of this debt and have failed to provide their investigation process on how they came to this conclusion. I don't believe this matter is being legally investigated. I have also attached to this complain XXXX investigation results which resulted in deletion of said account.
Consumer complaint received 2022-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital one gives a due date for all payments, but is not fair on time allowed to make payment. My due date is the XXXX ( XXXX ) & XXXX ( XXXX  ) of every month. Capital one does not hold true to that and if you try to make payment after XXXX et time it will not allow you to select the XXXX or XXXX, so I have to select the next day. If you select the next day it considered late and they charge a late fee of {$25.00} even though I technically tried to pay it on the due date. If capital one gives a due date they should atleast allow the entire US and all the time zones until XXXX. Them cutting it off XXXX hours early on the same day as due date is not fair and I feel like it an easy opportunity to charge extra fee. I have called before to discuss it and try to understand why I was being charged a late fee if I was trying to pay it on due date but the system wouldn't allow me to pay it and had to select a later date. Call rep told me I should pay my bills on time was which was rude and in fact I was paying on time according to due date given by capital one.
Consumer complaint received 2023-06-05
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bridgecrest Acceptance Corporation (FL)

On XX/XX/XXXX my car was overcome by flood water that occurred in XXXX XXXX during the severe rainstorm and ensuing flood level waters that were sustained in the area where I work. The following morning the car would not start. It was towed to XXXX XXXX, where it was determined that the car is a complete loss and it would cost too much to repair vs its value as a XXXX car with very high mileage. My insurance company, XXXX XXXX, informed me that because I did not have Comprehensive coverage, ( optional coverage in the State of Florida ) there was no compensation for the loss. 
For 2 months I have been trying to find anyone at Bridgecrest to provide some informationany assistance at all.in determining how to proceed. As I do not own this car, and I do not hold the title, it has been sitting at XXXX XXXX for 2 months while I try and try and try without success to get some sort of cooperation from your company, which to date is ZERO. I called Bridgecrest immediately after the flood and was told that I am required to continue to pay my monthly installment regardless ( which was not my issue ) or your company will re-possess the car promptly. 
I am paying storage fees for a car that I can not have removed or salvaged because I AM NOT THE OWNER. I CAN NOT PROVIDE THE TITLE. A month ago, I spoke with on of your customer service representatives, who cheerfully volunteered to email me a copy of the title, which never happened. 
I have politely explained all of the above to at least 4 different people, on 3 different occasions via your XXXX. One of the representatives I spoke with knew that the car was destroyed in a flood, I am assuming based on notes, yet Bridgecrest has not reached out to assist in any way, shape or form, except to leave past due voicemails from UNKNOWN phone numbers. I am inundated with past due emails. 
Continuing to call your customer service line is clearly a waste of time and energy and it has caused nothing but continued frustration and aggravation for me. On the various occasions I have called, I am inevitably met with your account is past due and which payment method would you like to use to resolve this? I will not continue to pay Bridgecrest for this car unless there is some sort of resolution for this issue. What do I do with this car? I am not a car dealer or a loan company or an insurance adjuster. The car was destroyed in a flood that I had no control over. I am not authorized to have it disposed of. XXXX XXXX wants the car removed on XX/XX/XXXX. 
It is quite clear that Bridgecrest has no interest in their customers beyond receiving payments. I am a widow whose husband died during XXXX, I work full time to support myself and I have no way of knowing what to do, how to get a salvage title or what on earth to do at this point.
Consumer complaint received 2023-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (TX)

In my XXXX account - I was a message that I am pre-approved for Citi Rewards Card. Thus I applied. Even after having a credit score of XXXX, I was rejected. Reason provided- too many inquiries during last 12 months and some other reasons. 

Why Citi offering pre-approved cards via XXXX and later rejecting?
Consumer complaint received 2022-11-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OR)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2022-11-08
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion, XXXX, XXXX have violated my credit reporting allegedly failing to address my disputes during the pandemic. 

Information was reported Incorrectly from my Mortgage Company ( XXXXXXXX XXXX XXXX XXXX ). 

Pls see attached documents & articles.
Consumer complaint received 2023-04-21
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. (CA)

I have mailed Experian, XXXX, and XXXX letters multiple times between XX/XX/ and XX/XX/. I have explained to each of these reporting agencies that there is an account showing on my reports that IS NOT MINE, it is INACCURATE and does not belong to me. I have wrote each of these credit reporting agencies and explained that I have no knowledge of this account and it is identity theft.
Consumer complaint received 2022-11-08
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. (FL)

n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX, has violated my rights. 

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
Consumer complaint received 2022-12-08
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. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-11-08
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. (CA)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts : XXXX XXXX XXXX  - Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX  - Account # : XXXX XXXX XXXX  - Account # XXXX XXXX  I have sent a letter by Certified mail to Equifax on XX/XX/22. Tracking XXXX XXXX XXXX  To investigate if every piece of information is correct, and if it is not correct then to remove it from my credit report. Certified mail Tracking XXXX XXXX XXXX
Consumer complaint received 2022-11-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: HUNTINGTON NATIONAL BANK, THE (OH)

During the night of XX/XX/2022, my daughter, XXXX XXXX 'XXXX XXXX XXXXXXXX XXXX was repossessed by Huntington National Bank. This was an indirect vehicle loan started by the dealer she purchased the vehicle from. I believe that Huntington failed to properly calculate her ability to repay before approving the loan. We were able to get the vehicle back from its repossession status. My daughter is now driving the vehicle. I believe that Huntington National Bank violates UDAAP when approving their indirect vehicle loans. 

As a side note, I am a XXXX XXXX at a community bank located in XXXX XXXX Ohio.
Consumer complaint received 2023-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

When using mobile deposit option, my deposits are held for 7-10 days. During that 7-10 days an automatic payment comes due. This payment is a payment to the bank for a car loan. They return ( bounce ) the payment, placing my accounts in the negative and holding any funds that were in the account for 24 hours. This is a payment of course to themselves that they bounce even though they have a deposit they know is there, the deposit is an SSI check. Because this payment gets returned my account gets flagged, so that every single deposit gets held for 10 days causing me to have to pay three more bounce check fees for bills set up through automatic bill pay for mortgage, phone, and electric. I have a very fixed income I do not have the ability to fluctuate and pay all of the fees that are charged me by the bank holding my deposits for 10 days. 
The bank is using this " returned payment '', ( their auto pay ) payment, to them that they bounce even though they have my funds in their Bank, in order to hold any of my funds at any time, for up to 10 days. 
This has created a domino effect and an extreme hardship as their behavior causes my home living situation to become unstable. When I have contacted them to resolve this I was lied to and told that it could in fact be released sooner that I had to wait till the next day. That deposits could not be released on the same day as deposited. I called the following day they said that it was not on business day and I had to wait until Monday. I said okay and they stated it would be released on Monday. On Monday they said that it could not be released because I had had a payment returned ( bounced ). Since the return was caused by their hold it feels a little bit like fraud that they are able to hold my funds cause the bounced check and then use it to hold my funds the next time. This feels like thievery. When I tried to resolve this with my banking institution I was put in que repeatedly for hours on end. I was hung up on. I was belittled. I was not treated with the respect of a member of USAA Federal Bank. This has been going on for months this repeating cycle of them holding my deposits and putting their own payments, automatic payments to their Bank, through, causing a bounce and using it as a reason to not release my funds for up to 10 days.
Consumer complaint received 2021-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (OH)

I entered a consumer credit transaction with COMENITY and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that COMENITY claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. COMENITY has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2024 I submitted a dispute through Experian.com for credit reporting by XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  ) ' for an account in collections for original creditor 'XXXX XXXX XXXX ' on XX/XX/2024. XXXX responded through the Experian online credit report dispute on XX/XX/2024 that the reporting details were valid. I received a letter in the mail from XXXX  dated XX/XX/2024 that provided details of the debt that included a Patient Statement inquiry, a XXXX XXXX XXXX  Consent to Treatment : Authorization to Release Information : and Statement of Financial Responsibility form, and a XXXX XXXX XXXX Notification of Patient Responsibility for Co-Payments/Co-Insurance % and Deductibles form. I sent a letter dated XX/XX/2024 to XXXX, certified USPS certified mail with tracking # XXXX. In this letter I requested written proof of the validation of the debt and HIPAA authorization that I gave consent to the XXXX XXXX XXXX XXXX ( XXXX  ) for them to have access to my private medical records. I received a letter dated XX/XX/2024 from XXXX  that did not reference this debt validation request, but referenced a creditor that was not XXXX XXXX XXXX and was not in reference to any request that I submitted to XXXX. 

The letter and documents that I received with XXXX  's letter dated XX/XX/2024 have violated my HIPAA rights. There were included detailed medical records that included specific medical billing codes for specific and identifiable medical procedures that I did not give authorization for, that I did not consent for XXXX  to receive these details and other information about me or my HIPAA protected information. Therefore I request that this collections account be removed from my credit report immediately because the XXXX XXXX XXXX XXXX has violated the law and my HIPAA rights. 

I included attachments with copies of documents that XXXX  sent to me proving the violation of my HIPAA rights. I have redacted my PII, and other HIPAA protected information. The documents that I received from XXXX did not include any redactions.
Consumer complaint received 2024-03-08
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. (CO)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-02-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (WA)

They will not give me the exact date but in XXXX of XXXX  they removed my name from the business account that I opened without authorization and turned it over to an employee without authorization and they refuse to give me any details. 
And I also own the trademark for " XXXX XXXX XXXX XXXX  '' Account # XXXX XXXX XXXX XXXX XXXX They have been acting without board approval but have started claiming they where the board members now.
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MO)

Well, I contacted XXXXXXXX XXXX XXXX  and they informed me that the information they were reporting was from Equifax. They also sent me a letter stating that they were not reporting bankruptcies that Equifax keeps reporting on my credit profile. I called Equifax and they told me to get a deletion letter from XXXX. I had already provided all the proof to them and they still will not take the inaccurate information off my credit profile.