davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BBVA FINANCIAL CORPORATION (FL)

I received a fraud alert from my credit card company XXXX on XXXX.I immediately locked the card from my mobile phone to block further charges and called their fraud contact number regarding an UNAUTHORIZED transaction charged from the XXXX XXXX XXXX XXXX on XX/XX/2021 while I was at a XXXX location in Florida, U.S.A. I do not live in the XXXX and was not there when the transaction was made. 

I was told that I would not be responsible for the transaction and that the card would be cancelled and a new card was shipped to me. 

Upon receiving the new card on XX/XX/2021, I noticed that the UNAUTHORIZED fraudulent transaction of {$46.00} and a foreign transaction fee of {$1.00} were still showing in my statement balance. I did not activate the new card and immediately called the BBVA fraud number again. I was told that the transaction was on the previously cancelled card and the new card was not compromised. The customer representative told me that he filed a dispute for the UNAUTHORIZED transaction and an investigation would be conducted but meanwhile, he said that he has removed the transaction from my account. He gave me a case number ( XXXX ). 

Today on XX/XX/2021, I am still seeing both the UNAUTHORIZED fraudulent transaction of {$46.00} and a foreign transaction fee of {$1.00} in my statement balance with payment due XX/XX/2021. I immediately called the BBVA customer service again and the representative said that the investigation is still on-going and I don't need to make any payment when due but she said that she can not remove the transaction from my balance. These are the only transactions on the card for this statement cycle and the statement balance. 
My concern is that, since the transaction is going to take longer than 45 days, if I do not make the payment when due, I would be charged a late fee and reported to the credit bureau. I did not receive any formal email or letter about the investigation. 

It is unfair to acknowledge that the charge was a fraud and refuse to remove it from my statement balance. I need help from the consumer financial protection bureau to intervene to remove the UNAUTHORIZED fraudulent transaction of {$46.00} and a foreign transaction fee of {$1.00} from my statement balance before the card payment is due on XX/XX/2021. 

Thank you in advance for your assistance.
Consumer complaint received 2020-01-08
Product: Credit reporting, credit repair services, 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 Plus Inc (IL)

I have requested a copy of the document I signed giving them the right to check my Credit.  They have refused to provide proof of authorization ( which they did not have ) I never directly gave them authorization to pull my credit
Consumer complaint received 2023-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

XXXXXXXX XXXX has changed its general purpose credit card from XXXX to Capital One. I paid my last bill in full three weeks before the due date. Capital One has charged me ( and likely every other customer ) a {$29.00} late fee, although I paid my bill in full. I think this is likely to have happened across the board with former XXXX customers of XXXX. They will waive the fee, but if they are charging hundreds of thousands of other customers, most will not notice the extra late fee! This could be very costly for XXXX 's customers, lucrative for Capital One, and very unfortunate that Capital One did not take a proactive approach to letting all of us know that the fees were applied incorrectly and should be waived across the board! 

I let Capital One know that I would be filing a complaint. Each of us should not have to make a call to the credit card company to get this resolved!!
Consumer complaint received 2021-04-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : Account # XXXX XXXX XXXX XXXX Portfolio Recovery, a debt collector, has reported a debt maintained under my Social Security number to XXXX  and XXXX, credit reporting agencies. Portfolio Recovery has failed to validate this debt. 

The South Carolina Statute of Limitations is three years. Portfolio Recovery states they purchased this debt on XX/XX/2016. 
I enclosed copies of my requests to Portfolio Recovery, asking them to validate my debt, ( Fair Debt Collection Practices Act Sec. 1692g. - Validation of debts ) and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. No listings for {$790.00} from The XXXX XXXX or XXXX XXXX are recorded on any of the three credit reporting agencies. I challenged the accuracy, compliance, and reportability of this listing. 

I also sent XXXX  and XXXX  asking them to validate this debt. No information was provided back to me from XXXX  or XXXX  that validates this information and provided me no documentation associated with this account, bearing my signature or any such documentation. 

FTC opinion letter on validation Section 809 ( a ) of the FDCPA, 15 U.S.C. 1692g ( a ), As per Attorney XXXX XXXX XXXX Division of Credit Practices, This letter says it all - a printout is NOT sufficient evidence of a debt and the burden of proof is on the collector.
Consumer complaint received 2021-04-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (PA)

I called and explained to them due to Covid Im not employed at the time to put me ins program to help me the lender said they dont have a program although my house is in XX/XX/XXXX, Also my lender keeps reporting my nonpayments to the creditors which is dropping my credit score down too much reducing my score this isnt right when I explained to them my situation I have no income to pay.
Consumer complaint received 2021-04-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I applied for a refinance mortgage with Bank of America on XX/XX/XXXX, as they were advertising an interest rate which would lower my payments significantly. After months of delay, and my providing of documents and explanations for numerous requests, many of them repetitious, the bank canceled my application on XX/XX/XXXX, the day after I spent hours collecting and providing documentation for a lengthy list of demands which were requested of me earlier the same day. 

My wife and I own a large number of rental properties. I was asked to provide great detail on every single property, which I did. 

After the application was canceled, I asked my loan agent to submit a complaint in BofA 's system. I was contacted by XXXX XXXX, who told me it was canceled due to me not providing all the documentation required of them by XXXX within their maximum timeframe. My wife and I have closed on many XXXX loans, several of them within the last 6 months. Never have we been badgered for anywhere near the level of documentation that BofA insisted on. Nevertheless, I did provide everything they asked for, time after time after time. 

This is just abusive. I spent many hours at a time on many days to meet their requirements, and after dragging their feet asking for things in dribs and drabs, they say essentially, " Oh darn, we've run out of time. Too bad. We can start over at the current interest rates which happen to be as high as your existing mortgage. ''
Consumer complaint received 2023-02-20
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries 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 an 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 or 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 2016-09-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NV)

I have multiple accounts on my credit file that Equifax refuses to remove, even though I have proof that from the companies that they have sent letters stating to remove from my credit file, which I will upload below, and Equifax has not done so. 

XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$1400.00} These XXXX XXXX accounts appear on my credit file twice, I have a letter stating that the first XXXX XXXX account is a closed version of the second, and the second letter states that the second account must be removed, so the first account must also be removed because it is a version of the second account. 

XXXX Bank XXXX {$6200.00} XXXX XXXX XXXX XXXX {$1500.00} The XXXX XXXX XXXX XXXX {$170.00} These accounts must be removed and Equifax is in violation of the law because they have refused to remove them even though the companies have given the OKAY to have them removed from my credit file. I have also added my ID, SSN, and proof of address for processing. Thank you
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

A recent application for credit made me aware that my credit score was being effected by what all 3 credit agencies label as " proportion of balances to credit limit is to high on bank revolving or other revolving accounts '' or " amounts owed on accounts is too high ''. These statements do not accurately reflect the true status of my credit, as all accounts are paid fully each month. Upon investigation, I find that XXXX XXXX is providing what I consider to be false statements concerning my high balance. For my XXXX credit card balance, they stated to all 3 agencies " High balance of {$14000.00} from XX/XX/XXXX to XX/XX/XXXX ''. The balance stated for my XXXX limit card is also inaccurate for the stated period. The high balance they are seemingly reporting occurred in XXXX of XXXX, and was paid off that month. I have attached my complaints to XXXX XXXX, their reply, and a typical example of the credit report that XXXX XXXX is providing to all three credit agencies. 
From XXXX XXXX 's reply letter of XX/XX/XXXX, they state that the high balance they report is correct, and that it represents the highest credit balance since the account was opened. If this is a true statement that represents the credit reporting industry standards, I need to understand how your agency is interpreting the data they provide. Could your please provide answers to the following questions. 
1. Why my accounts were determined to be " high amounts owed on revolving accounts ''? What factors are integrated into your formulas. 
2. Does your credit score system recognize that the high balance being reported is from XX/XX/XXXX. 
3. Are monthly paid balances accounted for in any of your credit scoring procedures. 
4. XX/XX/XXXXstates they use the highest attained balance as their reported " high Balance ''. Do all similar credit reporting companies apply the same strategy, or do some use a 12, 24, or 36 month rolling high credit balance to more accurately reflect recent credit utilization patterns. ( Please provide detailed answers )
Consumer complaint received 2015-12-11
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Global Asset Management Group, Inc. (PA)

Collector called, provide information on the account without verification. Threatened to have law enforcement at my doorstep within 30 minutes if payment was not received. Accused us of being deadbeats for running up the credit and not paying it off. When asked to verify agencies information ( name, address, professional license number ) became more aggressive and disconnected the call. When I attempted to contact the agency for the details, I was transferred to another collector ( XXXX XXXX ) that the previous collector ( XXXX XXXX ) was no in charge of the account. I have tried to verify Professional License XXXX through various agencies and I have not been able to do so.
Consumer complaint received 2023-02-22
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. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts to prevent further harm to my credit score. The following accounts need to investigate and correct for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$940.00} XXXX XXXXXXXX Balance XXXX {$440.00} XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$230.00} XXXX XXXX  XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$1100.00} I already sent the required file to the FEDERAL TRADE COMMISSION or https : //www.ftc.gov. please verify the accounts above
Consumer complaint received 2021-04-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: River City Mortgage LLC (IL)

XXXX XXXX ( NMLS ID XXXX ) from XX/XX/XXXXcontacted me to refinance my loan. He said that we could remove the PMI from the loan and save me on my monthly payments. 

He was stating stating my new monthly payments would be {$1600.00} and provided me with a Loan Estimate. Leading into the closing, it was never addressed that my monthly payments would be any different. 

On XX/XX/XXXX, we had our closing schedule. While going through with the closing, I noticed that the new monthly payments had changed to {$1800.00}. 

I stopped signing the closing papers and called XXXX XXXX. He said he didn't get a chance to look at the documents before the closing and that he didn't have access to his PC as it was being worked on. 

I did not hear from him until later asking to have a conference call with him and his boss on XX/XX/XXXX at XXXXXX/XX/XXXX 

They finally called me on XX/XX/XXXX ( they were late ). During the call they were saying that the taxes in the area had risen significantly and this is the reason why. They said they had used the taxes from XXXX to do my estimate. They then continued to try and tell me that my existing mortgage company is not taking enough out in my escrow and that if I did not move forward with XXXX XXXX Mortgage, I would be short by more than {$1000.00} on my taxes for the next tax payment and that when that happened my existing mortgage company would either demand that I pay in full or spread it out in 6 months and that I would be better off moving forward. I asked if we could wait until Monday so that I could talk to my existing mortgage company before scheduling the closing and they said No. If I did not schedule the closing for Monday, it would be too late and that I would have to pay my Mortgage for XXXX and would not get the 2 month break on paying my mortgage like they promised me. So I said to go ahead and book the new closing for Monday, XX/XX/XXXX. 

I then spoke to my husband about everything and we both agreed this did not feel right and to cancel the entire thing. So I emailed XXXX XXXX on Saturday, XX/XX/XXXX around XXXX XX/XX/XXXXCST and told that we decided not to move forward and to cancel this. 

I spoke to my existing mortgage company today XXXX XX/XX/XXXX XXXX to discuss my XXXX account. They said they just did an analysis on it last XXXX and they believe they are in line with my estimated taxes for the year. 

I also noticed that on the Closing Disclosure, the closing costs where {$2000.00} more than what was on the Loan Estimate and this also was not disclosed to me before the closing. 

If I had moved forward with River City Mortgage, my monthly payments would have risen by {$10.00} more a month, even though I would no longer be paying PMI. I feel that they tried to do a bate and switch on me.
Consumer complaint received 2015-07-27
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLANET HOME LENDING, LLC (FL)

My Husband and I have been paying and trying to become current with the back Mortgage that we owe to try to become current and every time we start to get close to paying it down to pay it off, PLANET HOME LENDING refuses to except any more money.
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NC)

On XX/XX/XXXX after making three ( 3 ) identity theft reports with the Federal Trade Commission, I was directed to Equifax located in XXXX XXXX. at XXXX XXXX XXXX XXXX. I Stated the reason and circumstances for my call. I.e. Identity theft. I took photos of my License, Social Security Card and selfie, then denied the credit report I was, under the Fair Credit Act of 1970, entitled to. Their word, not mine. And handed a list of hoops of fire needed to jump through before I could obtain what should have already been in my possession. Yes I am XXXX and feel once again violated and ridiculed. 
Thank you for your time and consideration.
Consumer complaint received 2021-04-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FORD MOTOR CREDIT CO. (NY)

I financed a vehicle on XX/XX/2021 from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. On XX/XX/2021 went back to dealership to cancel a Ford ESP Maintenance Plan in the amount of {$490.00} that was listed on the finance contract. Finance manager refused to cancel and refund the maintenance plan. Contacted Ford Protect Administration on XX/XX/2021 and they cancelled the maintenance plan and sent refund to dealership on XX/XX/2021. On XX/XX/2021 I contacted the finance manager on the status of refund and was told there is no refund and the {$490.00} belongs to the dealership. Finance manager will not send refund to Ford Motor Credit to apply to my account. I have contacted Ford Motor Credit and was told to file a complaint with Ford Motor Company which has also been done.
Consumer complaint received 2021-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello, I am wirting to advise of debt collection that has been satifed and requested for pay of deletion. I was advised that I must forward any and all documents to credit bureau for removal. I advised by collection company that they may or may not send updates. I under this to be a direct violation of FDCPA requesting removal of account from XXXX XXXX account number XXXX and credit bureua reporting number XXXX for the satified payment amount to close and delete from all credit reporting in the amount of {$290.00}.
Consumer complaint received 2017-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

I received a credit inquiry alert on my Trans Union credit report. The following credit inquiries from XX/XX/2017 are unauthorized and fraudulent : XXXX/XXXX, XXXX/XXXX and XXXX/XXXX
Consumer complaint received 2021-04-27
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. (CA)

XXXX XXXX XXXX XXXX IS REPORTING A REPO. ON MY CREDIT REPORT, I HAVE NEVER HAD A AUTO ACCOUNT WITH XXXX. THIS ACCOUNT IS CURRENTLY IN LITIGATION AND IS EFFECTING MY ABILITY TO PURCHASE A AUTOMOBILE ALSO KEEPING MY CREDIT SCORE BELOW 600
Consumer complaint received 2021-04-27
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (GA)

On XX/XX/XXXX, I received an alert from my credit card where I am signed up for a credit monitoring service that said I had a hard inquiry on my credit report from Ally Financial and it says it was in reference to a new account. I called them on the XXXX to see why they had made an inquiry on my credit for a new account since I did not open any new savings accounts with Ally Financial and I bought my car on XX/XX/XXXX which coincides with my new account with Ally Auto since I have my car loan with them. Prior to me buying a car they have never made a hard inquiry on my report since I only have savings accounts so I was confused. I called Ally to ask them why this was the case and they stated that it was my dealership, XXXX XXXX XXXX, that made the inquiry on my account since Ally only buys loans. So I called my dealership and they said that no they did not make this inquiry since I bought my car in XXXX and they only keep my finance data for a short period of time. Additionally, if someone would have came in the dealership using my social security number it would have been flagged. So I called Ally back and relayed this to them and they still could not give me an answer. I asked them if they kept a record of who submits inquiries to them about buying a car loan and one person told me no but then another person told me yes and sent me to the credit part of the company but no one answered my calls. Additionally, I was refunded {$500.00} from the dealership because I cancelled a service I bought with my car and they sent a check back to Ally and the check has cleared but Ally has no record of it. I have email correspondence and can show phone record proof of my multiple calls to Ally. I am so frustrated because they will not give me an answer on these two issues.