davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had a Credit card with Bank of America since XXXX with a {$500.00} credit limit. Through out the years I have used and paid down/off the amounts I owed .... never late payment. My last purchase was made around XX/XX/XXXX a month or 2 later I paid off the account and now XX/XX/XXXX I see the account has been closed for inactivity, without a warning, no email, no phone call. I called bank of america and they said my account was closed due to inactivity, and in order for me to get the card back I had to apply. I declined that offer.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

On XX/XX/2024, I sent notices to Equifax and XXXX with the intent to resolve issues pertaining to certain accounts listed on my credit profile. It has been 30 days and a resolution has not been met yet.
Consumer complaint received 2021-08-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

To whom it may concern, I entered a consumer credit transaction with Capital One and extended Capital One my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale.

As stated in the FCRA ( Fair Credit Reporting Act ) the following is to be EXCLUDED from my consumer report : FCRA 15 USC 1681a ( 2 ) ( B ) Any authorization or a SPECIFIC extension of credit directly or indirectly by the issuer of a credit card or similar device. The definition of a Credit Card under FCRA 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which means ANY card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. The credit card I used was my social security card to originate every consumer transaction. 

I attached a copy of an email that I received from Capital One on XX/XX/2021. Capital One was contacting me via email regarding a debt that is alleged. As described in FCRA 15 USC 1681a the definition of debt is as describe obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. The email shows that I have an alleged debt of {$1100.00}. The email also shows my banking account information in the email which is an invasion of privacy as described in FDCPA 15 USC 1692 ( a ). An alleged debt being furnished on my credit report is a violation of FDCPA 15 USC 1692b ( 2 ) it is also advertising to coerce payment as described in FDCPA 15 USC 1692d ( 4 ). 

I am demanding that you removed all transactions from my report immediately and XXXX out the account balance as they are a violation of my rights as a Federally Protected Consumer under Title 15 Chapter 41 and that the negative payment status on my report from XXXX be changed to a Positive Status. Im also attaching an invoice so that Im compensated for the damages that you all have caused. FDCPA 15 USC 1692k ( a ) ( 2 ) ( A ) : Any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.
Consumer complaint received 2021-08-13
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: EQUIFAX, INC. (GA)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2021-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

A false derogatory mark was added to my credit report regarding a bill that was paid before its due date. I disputed it on XX/XX/21 and it was removed from credit report on XX/XX/21 unfortunately my credit score only went back up twenty-seven points after being knocked down by eighty points.
Consumer complaint received 2021-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (OH)

I noticed XXXX charges on my card that were not mine. I immediately called Citi and after a few transfers I spoke with a very nice gentlemen and we went back through all XXXX charges for a few months while I looked in my XXXX app and figured out which ones were mine and which were fraudulent. I only had a couple that were mine this year. They cancelled my card and sent me a new one. A few weeks later I noticed more XXXX charges. I called again and spoke to some who said she would dispute them and did not need to issue a new card because the charges were still coming in on the old number but I would not see any new ones. A few days later and four more XXXX charges I called again and asked to speak to the fraud department directly. I was transferred multiple times. Then an incredibly rude woman asked me some question about my phone and personal things then said she was done. She then said this information would be passed to Citi. WHAT?? That set me off. I said you just asked me all of those personal questions and you don't work for Citi? After almost an hour on the phone she hung up on me. I can't believe I gave all that info and she was a third party. Citi should absolutely disclose that. Here we are the next day and two more XXXX charges are charged to my account. There are now 19 charges and counting totally over {$1200.00} and noone from Citi will do anything about it. She didn't even offer a new card she just simply hung up on me. Citi Bank has the WORST customer service and can't seem to even rectify a simple situation. Hanging up on me after 53 minutes of waiting on hold. UNREAL.
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX is still reporting a collection to my XXXXhree credit bureau reports that is INVALID. There was a mix-up with my social security number and somehow someone with the name XXXX XXXX ' defaulted account was associated with my social security number. I was never involved or in any way responsible for this debt. I spoke with XXXX at XXXX XXXX XXXX XXXX XXXX XXXX and have sent a letter to them requesting they remove this INVALID debt, yet they continue to report it. I have attached my identification documents to prove my name and social security number as well as the trade-line of the collection from my reports, and the letter I sent to XXXX XXXX XXXX XXXX XXXX XXXX. This has been adversely impacting my credit reports and my ability to get loans for years now and demand that this invalid debt get removed from my credit reports immediately
Consumer complaint received 2021-07-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: DISCOVER BANK (NY)

Discover Student Loan < Repay Assistance date Tuesday XX/XX/2021 XXXX XXXX  : As the cosigner for XXXX XXXX student loan you are responsible for making payment on the loan I XXXX XXXX XXXX address XXXX XXXX XXXX XXXX New York XXXX has not or never has signed for a student loan from Discover Bank : As suggested I have called, placed a credit block on my credit and sent them a cease and decease letter I personally have request from discover bank to send me record of my signature how much is owed : I never received any copies of the loan stating the interest rate repayment plan nor have an understanding of when the loan or what type loan was taken out until I received an e-mail claiming I owe them money I am being ask to repay a loan without a loan number : P : s For tax purpose Ein # would be used
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2021-08-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FinCo Services Inc DBA Current (MA)

My complaint starts of XX/XX/2021 when I had the amount of {$3700.00} dollars missing from my current baking app I tried reaching out to current they were not able to help other than issuing me a new debit card. I woke up today XX/XX/XXXX with {$510.00} dollars missing from current baking account once again I reached out to current and once again nothing is being revolved. I have a active police report Im waiting for. Im placing this complaint due to I need a full investigation.
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WAKEFIELD & ASSOCIATES, INC. (TX)

I would like all the incorrect information to be removed from report. I have been disputing and I keep getting the same answer, nothing is being done about this and its effecting my everyday life. Please give me a chance, this is the first time Ive ever had this problem and the last time.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2021-08-13
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Peer Advisors, LLC (CA)

I filed a complaint against Celink and they claimed in their response that they took care of the problems ( XXXX ). Not only did Celink NOT resolve either of the original problems, they made it even worse with the criminal act of stopping payment on the check they finally wrote to me for {$9600.00}, which was payment of the insurance claim they had been holding for their own enrichment for eight, now nine, months. Celink wrote the check to me in order to answer my previous CFPB complaint and to claim that they had fulfilled their duty. Then they transferred my loan to another servicer, XXXX, on XX/XX/2021, and they stopped payment on the check! In California that is a felony! I deposited their check in my account in XXXX, but by the time their bank returned it to me unpaid, it was XX/XX/2021. When I tried to call Celink they refused to talk to me and said it is XXXX 's problem now and to collect the money from them. Celink is a deceitful and corrupt company. Before Celink transferred my loan they asked me to put my concerns about the false information they put in the CFPB reply in a letter to a certain address. I did that and Celink sent it back unopened with " Return to Sender '' on it. Celink illegally stole my money and then dumped the problem on the lap of a different servicer. Celink should not be allowed to stay in business. I will not let Celink get away with this, however many who have reverse mortgages are older folks who fall victim to these predatory tactics and lose their homes and their money to unscrupulous businesses like Celink. In addition, Celink never corrected their serious error of filing an unjustified and false foreclosure notice on the property. As executor, I am selling my family member 's estate. Celink filed a foreclosure without any notice at all, without any cause ( there was no money due at that time ), and in violation of my approved HUD Covid protection against foreclosure action. It is my belief Celink was deceptively trying to take the house and sell it at auction, which was their threat to the estate. Because of Celink 's predatory actions and the notice of foreclosure and impending auction that is listed now on realtor 's websites ( because a notice of default was filed with the county ) the estate has not been able to sell the house and close this account. We reduced the sale price of the house by {$150000.00} from the value assessed by the probate court appraiser. This is all because of a phony foreclosure filing by Celink! Celink 's actions have created a financial hardship for the estate. Celink should be investigated for predatory and illegal activities. Please post this on your website as a warning to others. Thank you.
Consumer complaint received 2021-08-13
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC (CO)

ERC keeps calling my cellphone number to collect a debt for a XXXX XXXX. There is no XXXX XXXX at this number and there has NOT been a XXXX XXXX at this number for over 20 years as I have had this number for 21 years. Every time they call, I have notified them that they have the WRONG number, that there is no XXXX XXXX at this number, that I don't even know a XXXX XXXX, and ask them to stop calling. Yet, the repeatedly keep calling me over and over asking for XXXX XXXX. In addition, when they call they do not identify themselves or the company. There is no caller ID either. The repeat calls are annoying and getting ridiculous.
Consumer complaint received 2021-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (OH)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2021-08-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have attached an account that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this account deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus.
Consumer complaint received 2021-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MA)

I opened an account with Chase online in XXXX because they stated they would accept third party checks. I had two third party checks, amongst the five checks I deposited in person at one of their branches in XXXX. Two of the checks were for ( i ) a defective camper we returned to the RV company-the check is from an RV business and ( ii ) a check from an insurance company-we cancelled the insurance on the camper after we returned it. Chase deposited the checks, said they may need to contact my son-in-law to whom the checks were written and Chase has since verified the funds, but Chase refuses to give me any information or unfreeze the account. I have made multiple calls to the branch, which at one point told me they closed the account ( offered no reason as to why ) and mailed a check to me. When the check did not arrive, I contacted the local branch, which referred me to their corporate headquarters and when I contact their corporate headquarters they pass me off from one person to another. When I called to speak with a corporate officer, they transferred me to a phone line that states I must call back or send my inquiry by email, which then disconnects the call.
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

please stop ignoring my rights to privacy and to have misleading items removed from my report FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XXXX I sent a letter in regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not I have not received a response yet. I feel like they trying to take advantage of me and flat out ignoring my disputes. Section 611 ( a ), states plainly that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days so they should have said something and removed them from my credit report promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by equifax data breach and may have gotten into the wrong person hands.