davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-21
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One is reporting my personal non-public information to the credit reporting agencies in violation with Federal and State laws detailed below : Based on 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA and Texas Penal Code, Title 7, Chapter 32, Section 32.51, Capital One has committed Identity Theft against me by reporting my private non-public and personal information to consumer reporting agencies without my consent or any lawful authority. 

15 USC 6802 ( e ) ( 6 ) of the Gramm-Leach-Bliley Act confirms that financial institutions may only share information to consumer reporting agencies in accordance with the FCRA.

15 USC 1681 ( d ) ( 2 ) ( i ) of the FCRA regulates what can be included in a consumer 's report and it confirms that transactions and experiences are to be EXCLUDED.
Consumer complaint received 2023-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On Wednesday, XX/XX/XXXX at XXXXXXXX XXXX, I received a text message from " XXXX '' stating : " BofA Security : Debit card ending in XXXX was declined. Enter the correct expiration date OR call XXXX to activate your card. Text STOP to end texts. '' I have a Bank of America checking account with a debit card ending in XXXX. This card was not activated when received because I have no intentions of using it. It is stored in a safe. 

I called Bank of America using a number found on my account page after checking my account information online. The representative was not helpful and didn't understand the issue. 

As a victim of known-name identity theft, I am very concerned by lack of security and concern of the situation. It appears someone is attempting to use my debit card but can't because it was never activated. The debit card has never been used. This indicates that Bank of America has a data breach of my information.
Consumer complaint received 2023-07-20
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: Paramount GR Holdings, LLC (TX)

Inquiries I did not authorize XXXX XXXX  on XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX  on XXXX XXXX on XXXX and also on XXXX Collection acct to XXXX  XXXX XXXX on XXXX Is not mine Goodleap llc on XXXX. Not mine. 
I have contacted these creditors and was informed to contact credit bureau which I have done and disputed these. XXXX informed me to make a report w CFPB.
Consumer complaint received 2023-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I signed up for a Bank of America checking account in XX/XX/2022 and used a promo code to obtain a promotion offer ( bonus ) to be paid after completing the various requirements. 

Those requirements were completed and the promotional offer ( bonus ) has not been received to my account. A phone representative was unable to help me on the matter and suggested make an appointment at my nearest branch.
Consumer complaint received 2023-02-02
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. (CA)

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to Experian on XX/XX/2023, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

As a result of their unaudited practices ( nationwide ), Portfolio Recovery Associates LLC has filed and won ( mostly by default judgment ) hundreds of court cases here the South Texas region with the aid of XXXX XXXX XXXX XXXX, Texas. Soon, those judgments will materialize in garnishment of peoples income and/or a lien on their bank account - unbeknownst to them right now during a Pandemic.
Consumer complaint received 2023-07-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CULLEN/FROST BANKERS, INC. (TX)

I received a Welcome email from Frost Bank regarding opening a new account on XX/XX/2023, at XXXX XXXX I then received two more emails stating that the security questions had been changed around XXXX XXXX on XX/XX/2023. I walked into a location bank branch and reported that an account was open in my maiden name as I changed my name at the beginning of the year. I provided the rep with my new ID and advised her that I didn't authorize the opening of an account with this financial intuition.
Consumer complaint received 2023-02-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am sending you this message in hopes you can assist me with a problem I am having with XXXX XXXX regarding the payoff of my auto loan. I was due for the XXXX XXXX car payment. On XXXX XXXX XXXX XXXXXXXX XXXX  sent me an email advising me to pay {$350.00} no later than XX/XX/XXXX to avoid a 30day late to the credit bureau. I paid my car loan off on XX/XX/XXXX XXXX balance. On the same date XXXX XXXX XXXX XXXX reported a 30day late to my credit bureaus. 



I was in the middle of a real estate transaction, i paid off my car loan with XXXX before a 30day late. XXXX XXXX reported the 30day late anyway. 
My score dropped XXXX with XXXX, XXXX points with XXXX and XXXX points with Transunion. 

I called the Customer Service Department of XXXX and was spoken to with the utmost disrpect, from XXXX. He advised me there is a system issue which reports the status of the account at point of payoff and that is why it was reported and would not be removed. 


My concern is, the email I received on XXXX XXXX XXXX allowed me until XXXX XXXX XXXX to make the XX/XX/XXXX payment. why should a consumer be penalized with a 30day late for completing a car payoff before XXXX XXXX XXXX. I want this corrected immediately as it s only fair, based on the email I recived from XXXX on XXXX XXXX XXXX. Please have someone call me immediately XXXX XXXX XXXX to discuss this matter. My next course of action is the Federal Consumer Protection Bureau. 
To date my credit score was not corrected, the points I lost should have been recovered and my score should have been made whole. Instead XXXX and the credit bureau continue to report a history with a final 60day late as of XX/XX/XXXX.
Consumer complaint received 2023-07-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: General Motors Financial Company, Inc. (CO)

We financed a vehicle on XX/XX/2023 from XXXX XXXX in XXXX CO through Americredit/ GM Financial . Around approximately XXXX XXXX XXXX we were contacted by financial office with XXXX XXXXXXXX regarding some documents for the above listed bank. We had no communication with dealership or bank until XX/XX/2023. That was a phone call I received from the dealer that we were required to return the vehicle to their location as requested by the above bank. The reason or explanation we were given was that there was a discrepancy with the address on file. We did not hear from the bank directly regarding any issues. When we questioned the request and any paperwork to justify all we were offered were phone numbers to call or receive a phone call with further explanation. Despite this whole upsetting ordeal, we still werent provided with substantial information regarding their reasoning. We werent offered any money or payments put into car, not to mention vehicle licensing and registration. I would say after 5 months, there should be a little more of a logical explanation.
Consumer complaint received 2024-02-23
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Holloway Credit Solutions (AL)

Is a medical debt that occurred on an XXXX  XXXX at XXXX XXXX in XXXX, Alabama on XXXX XXXX XXXX XXXX XXXX. I filed due to my status as a XXXX XXXX. I filed a financial assistance application at the latter part of XXXX and it states that if information was not sent in by XXXX XXXX XXXX XXXX. It would be forwarded for further collection activity. I received the text XX/XX/XXXX at XXXX XXXX which is XXXX days prior to deadline. I had already found as I said. Earlier the forms for financial assistance. The letter sent from XXXX XXXX was dated XX/XX/2024. I didn't receive it until XXXX XXXX XXXX 
XXXX. I have made numerous attempts in payments on this debt. And every time I do what is requested of me there is a pushback. It seems to be a pattern. It seems to be intentional. The information that the requested for to financial assistance application was provided to them. I even provided them personal information about being a XXXX veteran of XXXX XXXX XXXX XXXX. And that I am a XXXX XXXX. And I am part of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnd they refused all that information. I also have XXXX XXXX XXXX XXXX XXXX. This is the second time this company has used these intimidation tactics concerning a doctor bill. 
The previous doctor bill was paid by my insurance. And they still Intentionally made that difficult. This company is called Holloway credit solutions XXXX. The phone number is XXXX and I'm concerned about a possible violation of the fair debt collections practices act, 15 U.S.C 1692. I contacted there corporate office to no avail. I have insurance and there's no reason to be threatened and harassed about a doctor 's bill.
Consumer complaint received 2024-04-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (VA)

I'm XX/XX/year>, I reported fraud on my navy federal credit union account due to unauthorized charges that had been debiting my account. 
They first agreed to dispute the charges since they are my financial institution but later refused to dispute the charges stated they have a relationship with the life insurance company XXXX and has agreed not to file any disputes.
Consumer complaint received 2023-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (MO)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Consumer complaint received 2023-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/2023, TD Bank placed XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my TD Beyond checking account. Despite previously filing a complaint with TD Bank through the Consumer Financial Protection Bureau, I have yet to receive a satisfactory resolution from the bank. The responses I received from TD Bank, which I am attaching in PDF format, only redirect me to a third-party organization with limited information on the court cases and no ability to assist. Even though the TRO has legally expired, TD Bank continues to hold my funds without providing any information. This is my third and final attempt to kindly request the lifting of the insufficient levy and request an internal review of this case with a prompt response. 

Furthermore, I want to notify TD Bank that as a customer, I am escalating this case to the American Arbitration Association ( before the court complaint ). I am suing the bank for customer negligence and the indefinite holding of personal funds. Should TD Bank provide me with a satisfactory resolution, I will promptly drop this case and refrain from further escalation. 

Thank you in advance, XXXX XXXX
Consumer complaint received 2023-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$6800.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$36000.00} XXXX XXXX XXXX XXXX : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2023-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am a victim if identity theft I went to file a report with the FBI in XXXX Louisiana in XXXX. I gave them a potential suspect nothing was ever done about it. there accounts on my credit report that I did not authorize nor do they belong to me.
Consumer complaint received 2023-05-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

My XXXX XXXXXXXX XXXX XXXX, and I, XXXX XXXX were forced into foreclosure in XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The Mortgage XXXX is XXXX XXXXXXXX. 

As of XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX made us aware that Wells Fargo submitted an insurance claim on the property due to fire damage. They submitted the claim on their own accord and our short sale team has been unable to locate the claim or when it was processed. 

We have been instructed receive the insurance check and sign it over to Wells Fargo and mail it back to them. Wells Fargo will then process the check to go along with the short sale. 

I think it is fraudulent of Wells Fargo to submit a claim on a home for fire damage when XXXX nor XXXX XXXX have been made aware of any recent incidents on the property. XXXX of both owners visits the house and neighborhood regularly. I do not trust the intent of this foreclosure and would like Wells Fargo to be investigated for fraudulent activity within this XXXX
Consumer complaint received 2023-07-21
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)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the following accounts below : XXXX XXXX Balance : {$2700.00} XXXX XXXX  XXXX XXXX Balance : {$9000.00} XXXX XXXX Balance : {$250.00} XXXX XXXX XXXXXXXX Balance : {$9400.00} XXXX XXXX Balance : {$2000.00}
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Winklevoss Exchange LLC (NY)

Hello, On Friday, XX/XX/2023 at about XXXX a.m. I contacted Gemini to report a potential fraudulent charge on my XXXX XXXX. Their response was to send me an email telling me that my account was now Frozen and that they would reach out for further steps. I have attempted to get into my account multiple times and attempted to contact Gemini through email and XXXX as they do not have a phone number for customer support. Since XX/XX/XXXX I have been unable to get into my account and their customer support has not issued any form of response or timeline for resolution. I had also requested a balance transfer from Gemini to XXXX XXXX where XXXX XXXX had sent the check and made the payment to my Gemini XXXX. As of today Gemini sent me an email stating that there was a problem with this payment with no further details and still no contact regarding accessing my account.
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

Recently I received the findings of a false reporting in my credit report. The credit Bureau XXXX was asked to name there source and supply proof of the debt. This was not supplied the private source was never mentioned in the company response. The company also stated that the courts are contacted and this is not truthfull I contacted the courts and due to law they are not able to discuss any debt legitimate or not to any one outside of a consumer. Please remove this false bankruptcy off of my credit profile as the vendor was not supplied as asked and is reporting unverified information as confirmed with the nc XXXX system. The courts provided a document stating that they are not at liberty to report to any credit agency private or public as they are not creditor. This debit is not valid and must be removed immediately.
Consumer complaint received 2024-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc (FL)

I used Affirm on XX/XX/2023 to finance a cruise with XXXX XXXX for a total of {$3800.00}. I had to cancel the cruise because my wife was not able to renew her expired passport. I called Affirm 3 times before I canceled to make sure that I was going to get all the money I paid them back and the 3 times they assured that I would get everything back including any fees accrued. In fact, they owe me around {$220.00} and they are now claiming that I owe them {$200.00} of finance charge. This is a company has horrible review of ripping customer off and misleading them with finance charges. I have used them 4 times before and I have never had any problems with them. I have spoken to them several times and of course they are being uncooperative and refusing to refund what it is owed to me. They are also now reporting me to the credit agency as a derogatory account.
Consumer complaint received 2022-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

XXXX accordance with the Fair Credit Reporting act XXXX Account # 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 2023-07-05
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. (TX)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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