davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MI)

I was rushed to the hospital by ambulance in the XXXX of XX/XX/2024 around XXXX. After being discharged and went to my daughters to sleep since I was on heavy medication. The next day XX/XX/2024 I was driven to follow up with my family doctor is when I noticed that my small wallet in my purse was missing and one of my phones. I called the police and went and made a report and I called credit card companies and canceled my accounts and callled chase to cancel my debit card and they confirm I had {$11000.00} worth of withdrawals and charges. They confirmed that some of the ATM transactions werent made by me and gave me a temporary credit for half of withdrawal charges which was {$1400.00} and they only refunded me {$800.00} and then the XXXX XXXX charges ( {$9800.00} ) they decided I made them ( I guess while Im in my hospital bed ) and denied my claim and will not give me my life savings, even thou they didnt conduct a proper investigation to see who did the charges ( which I begged them to do ) So now Im out my life savings and Im really depressed to the pint that I was hospitalized again XXXX later after they denied my claim Please please help me Im willing to provide any documents, proof, or anything that is asked of me. 
Thank you
Consumer complaint received 2024-02-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NCB Management Services Inc. (IN)

I have attempted to dispute the claimed debt owed multiple times directly with the companies and with the credit reporting agencies to no avail. The companies continue to report unverified collection accounts even after I have asked for verification docs, account statements, original agreement copies, and proof of their legal right to even attempt to collect on the alleged debt - all requests have gone unanswered. I have requested this information in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no response. According to the collection companies own websites/consumer portals - my information does not link to a record within their files yet they continue to claim and report thousands of dollars as owed to them to the credit reporting agencies. This fraud and their lack of being able to properly verify the debt should mean that the debt is uncollectible and therefore they should cease reporting the incorrect information and promptly remove the reported info linked to my personal info from all credit reporting agencies.
Consumer complaint received 2023-01-22
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: NAVY FEDERAL CREDIT UNION (MD)

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is not accurate this is grounds for removal. 

They also violated my rights under 15 U.S.C 1681 section 602A States I have the right to privacy.

15 U.S.C 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-02-10
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: CORELOGIC INC (TX)

I do not know why I got 6 hard inquiries from the same company I didnt buy anything in the time frame of the report hard inquiries that I can not account for some where else.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Hi, XXXX XXXX XXXX put a delinquent status on my credit report thats past due Im not past due this was a prepaid credit card. Theres no reason why they should be reporting anything. I made a complaint to the FTC. This information is not accurate. They are maliciously derogatory, mixing up my credit report by reporting false information on it thats not mines. 

XXXX XXXX keeps putting 120 days past due that is not my account. I have no knowledge of that of whats going on. I am not 120 days past due whatsoever. Somethings wrong on my status Im not 120 days past due. I have a fraud alert on my account. They keep doing it over and over again I keep disputing it over and over again the credit bureaus are allowing this to happen. 

XXXX keeps refreshing and reporting derogatory on my credit report. I paid this account off. I dont owe them any money. They keep putting fraudulent information on my account thats not mine.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I reported to the three credit bureaus that my Capital One account, ending in XXXX, was reporting inaccurate payment history in XX/XX/XXXX. Capital One then placed comments under each credit bureau report stating information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). invalid date. I called XX/XX/XXXX to let Capital One know that my credit reports are still reporting inaccurate information and would like the late payments to be removed or I would be filing a complaint. I have attached XXXX credit report dated for XXXX XX/XX/XXXX reflecting a 30 day late payment for XX/XX/XXXX. I have attached my XXXX credit report dated for XXXX XX/XX/XXXX reflecting a 30 day late payment for XX/XX/XXXX. I have attached my XXXX report dated for XXXX XX/XX/XXXX reflecting a 30 day late payment for XX/XX/XXXX.
Consumer complaint received 2022-06-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

On XX/XX/XXXX I received a letter from USAA Bank with a debit card. It stated " Your debit card has arrived '' with a debit card attached. I contacted the bank today XX/XX/XXXX and they stated they observe an account is open however, they are currently unable to access what kind of account was open. The representative instructed me to call back and ask to speak to someone about an account takeover.
Consumer complaint received 2024-02-10
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (PA)

We received an America Express gift card from family at XXXX. We have tried to use it many places, both online and in person, but it will not work anywhere we try. I have also tried to check the balance several times on the website and it always says they have an error and to try again later. It is a {$75.00} gift card and we have not been able to use any of it. Thank you for your help!
Consumer complaint received 2024-02-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (MO)

Phone calls to a minor child. Repeated phone calls. Started XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX. Various times from XXXX XXXX to XXXX XXXX. 

Its Midland Credit Management.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (DC)

In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX, has violated my rights. 
XXXX, XXXX, XXXX, has violated my rights. 
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 2 : It also states a consumer reporting agency can not furnish an account without written instructions.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (DC)

In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX, has violated my rights. 
XXXX, XXXX, XXXX, has violated my rights. 
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 2 : It also states a consumer reporting agency can not furnish an account without written instructions.
Consumer complaint received 2023-06-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (CA)

I was supposed to be on a forbearance for disaster and I am in a disaster area in XXXX XXXX XXXX, and have been approved for help from Fema but my bank somehow says Im not in a disaster zone per my ZIP Code even though I am and receiving assistance, so they never put the forbearance on my account And tomorrow, My Home Cell at Auction at XXXX XXXX  I believe and I dont have any money to pay an attorney today and I know I need to file an emergency bankruptcy to stop it but I dont have enough debt for a XXXX  XXXX and I cant do a XXXX  XXXX because I cant make the house payment because Im now XXXX from being a victim of XXXX  XXXX Type of Property : Residential Total Amount of Payments That Are Past Due : {$10000.00} - {$24000.00} Total Amount of the Loan : {$200000.00} - {$290000.00} Have You Received a Notice of Default From the Lender : Yes Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX house address is XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX and is set to be auctioned in 2 days on XX/XX/XXXX at XXXX XXXX  but for the last two months Ive been in contact with my lender, M & T Bank and because it is in a presidential declared disaster zone its supposed to be on a forbearance and Fema shows that online and Fema has already extended money to help with the repairs. In addition to that I am a now a single permanently XXXX women & homeowner who is also a victim & survivor of XXXX  XXXX, which is the source of my XXXX, yet the sale is still set for Auction and M & T Bank has never given me a single point contact or helped me in any which way or returned my calls anything and obviously they are not adhering to the disaster forbearance guidelines, as well as my homeowner Rights. my loan is an FHA loan and prior to the forbearance. I was trying to do a loss mitigation but they wouldnt allow it because of the forbearance and I need immediate assistance to make sure I dont need to emergency file bankruptcy tomorrow, can you please call me ASAP XXXX thank you
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SUNCOAST CREDIT UNION (FL)

My XXXX loan with Suncoast Credit Union is reporting twice on XXXX and XXXX. It is showing that they have opened a new account for an XXXX XXXX and Ive had this car since XX/XX/2019. When I reached out they asked me to speak with a department that has nothing to do with the reason my car loan is showing twice. This has caused my credit score to drop significantly and being that its showing XXXX in auto loan debt its interfering with my income to debt ratio.
Consumer complaint received 2024-02-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Byrider Franchising, LLC (WI)

Hi my name is XXXX XXXX I purchased a vehicle from XXXX XXXX XX/XX/XXXX. It is now XX/XX/XXXX. Ive had an accident XX/XX/XXXX. I was in a car accident on XX/XX/XXXX reported the accident to the insurance company in the dealer the lienholder of the car the situation was not my fault. I explained to the dealership that I needed the car fixed fast because I work day stated that I do not have any insuranceafter I filed the claim and emailed the claim to XXXX XXXX collections XXXX at XXXX XXXX. I have a learners permit and I can not leave the car lot without insurance so I paid a extra XXXX dollars every month XXXX every pay period for a XXXX XXXX XXXX XXXX car is worth XXXX the charged me XXXX total when I was done. The mislead me into the contract now they are trying too hurry up and kick me off the insurance and short me on money for a car thats almost totaled I paid the extra XXXX dollars every since I have got the car they neglected me for a whole month I didnt hear anything back from them until XX/XX/XXXX its been well past XXXX days since the accident they are trying to cut me a check that will leave me with no car and XXXX dollars to my name the have lied to me and my husband about having coverage and now they are trying to cover it up I have been driving this almost totaled vehicle for a month and they are trying to be sneaky and misleading again the police pulled me over because they were concerned with my safety and I have to feed my family. Nothing but lies and the run around
Consumer complaint received 2024-02-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

Company Name : RESURGENT/LVNV FUNDING With all these dates listed below i requested the purchase agreement be provided. 
They are reporting {$680.00} since XX/XX/XXXX XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX This item was updated from our processing of your dispute in XX/XX/XXXX, this was never removed.
Consumer complaint received 2023-07-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: W&A Intermediate Co., LLC (KS)

I submitted a complaint on XXXX regarding Wakefield regarding a debt of {$15.00} owed to XXXX XXXX XXXX XXXX. My complaint number is XXXX. Wakefield called me three ( 3 ) times today from different phone numbers. The last phone call I receied today at approx. XXXX XXXX, I told the man ( who had a specific XXXX  accent ) in no uncertain terms to NEVER CALL MY NUMBER AGAIN and that I had turned Wakefield into the CFPB. I hung up on him. He said the call was in reference to debt collection. I told him I didn't owe Wakefield or XXXX any money, never heard of them, and never contact me again. This is over a debt of {$15.00}. I have no idea whatsoever who these people are or what a debt of {$15.00} is.
Consumer complaint received 2021-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

- usaa punishing customers by closing account for reporting unrecognized charges. 
- usaa froze my money in my account on XX/XX/XXXX without notice. 
- XXXX from ceo office stated it would be closed in 1-3 days but was false and have been told I must wait 60 days to get my money back which is federally protected due to being VA benefits.

- fcra rights are being violated by usaa due to giving false information.

- I would appreciate this to be resolved as quickly as possible to due financial hardship this is causing especially with my XXXX and XXXX related XXXX XXXX.
Consumer complaint received 2024-02-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BSI Financial Holdings, Inc. (MN)

Ever since BSI Financial took over my loan it has been nothing but problems. Here is a list of the issues : 1. Malfunctioning call in payment process that did not apply payments causing hours of wait time to resolve. This happened multiple times. I was forced into signing up for their automated payment process so I could avoid the phone in system to ensure my payment would be received and eliminate the customer service nightmare. 

2. Online account access is also malfunctioning, not allowing me access to my documents. It has been this way for weeks, no resolution.

3. No phone based customer service. They have a number online, but there are no options to actually talk with customer service. It's only automated prompts. This forces one to use email to communicate with the company. 

Having been with several other mortgage provides in the past, this is by far the worst experience I have ever had. if I had my way I would request my loan be transferred back to my old loan provider who actual had functioning processes and customer service. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-08-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

XX/XX/19 XXXX $ I called bamk of America to cancel knowing my XXXX  check was going into the negatives account because I got scammed they still took it I ended up being evicted a month after.. I just want to recover my XXXX check
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upgrade, Inc. (TX)

In according with the fair credit reporting act XXXX  account # XXXX, has violated my right. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for and purpose.
Consumer complaint received 2023-06-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In accordance with the fair credit Reporting 50 act, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. -Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Carter-Young, Inc. (GA)

Upon examining my credit report, I identified an unfamiliar account ( Carter Young XXXX ) I promptly contacted the creditor listed on my consumer report and sent a debt validation letter specific to this account. Regrettably, Carter Young has neglected to respond to my letter that was received on XX/XX/year>. Furthermore, I sent a second attempt letter which was received on XX/XX/year> and they still refuse to respond. They have failed to response within the 30 days per the FCRA. Clearly this company lacks the substantial evidence required to link me to this debt. This constitutes a breach of my rights, and it is imperative that this account be promptly removed. I have attached the two letters sent and the proof of delivery.
Consumer complaint received 2023-05-18
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. (KY)

in accordance withe the fair credit reporting act XXXX  acct # XXXX, has violated my rights 15 U.S.C 1681 section 602 A states that I have the right to privacy.

15 U.S.C 1681 section 604 a section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

On XX/XX/23, I received a CapitalOne credit card in the mail that I did not apply for. I called CapitalOne fraud department to report it as fraudulent. They said they would investigate the fraud claim and report the findings within 90 days. They would not keep the account from being reported to the credit bureaus, but said they would inform the credit bureaus of the results of the investigation. I did not open this credit card and I do not want it to be reported to the credit bureaus.
Consumer complaint received 2020-08-18
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. (GA)

I am having a problem with Equifax removing the following statement from my account : You have too many delinquent accounts. Delinquent describes something or someone who fails to accomplish that which is required by law, duty, or contractual agreement. Equifax is claiming that this statement is there because of XXXX XXXX  XXXX. However, I have never made a late payment with XXXX XXXX  XXXX since my loan was transferred to the company. They claim they investigated this matter and XXXX claimed that this information was true. The document provided from XXXX shows my actual payment amount in some places incorrect. All payments through XXXX XXXX  are made online. Perhaps they are not handling business correctly on their end, but I can pull bank statements, which will refelct that all payments to XXXX XXXX have been made on time. There are no delinquent account so the information they are providing doesn't settled any prior disputes. Equifax continues to find ways of keeping this comment on my credit report but have no proof of any delinquent accounts. If XXXX XXXX  is reporting incorrect information it concerns me. In looking at the attached document, it has my actual payment incorrect. I pay {$720.00} per month in mortgage fees. My monthly statements may increase because of insurance and prperty taxes sometimes but it will never change if taxes and insurance do not go up. I have no late payments with XXXX nor any previous mortgage company. My lmortgage has always been paid before the 15 day grace period. My account is not delinquent and never has been. My credit report reflects no late payments with XXXX XXXX XXXX for 4 years, 1mt. Please see attachments. I am sending this to all three credit reporting agencies because I am sure they reflect the same information, which is incorrect information. I will not give up until these statement is removed from my account. I have no ( 0 ) delinquent accounts.