davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-22
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: Experian Information Solutions Inc. (VA)

On XX/XX/XXXX XXXX  XXXX XXXX XXXX added a derogatory mark to my credit report per Experian. This account was transferred/sold and the collection agency is attempting to collect on a debt that states it was opened on XX/XX/XXXX. I am not responsible for the account. Debtor 's creditor did not verify this collection and there was no written form of communication, contract, or written signature for this accused debt. According to the FCRA, XXXX XXXX XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2021-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XX/XX/XXXX Capital one Credit Card multiple calls XX/XX/XXXX Capital Credit Card XX/XX/XXXX ask on multiple occasions to lower my rate. I have perfect credit score. I have 2 accounts with them one with a really low rate and high limit. One with low credit limit and high rate 19.99 % I asked many time over the last few months and get the same response we do not lower rates or negotiate them. No reason why ie pandemic. Every single credit company i have business as standard practice negotiate interest rates based on credit worthiness. I esclated this up the management chain to supervisor same scripted response no explanation as to why its is so high. No what would i need to do to lower it. When i mentioned I was filing this complaint they did not follow guidelines for who it need to be forwarded to within capital one. After holding for 15mins I was disconnected. Called back on hold again for 10min. Then hold again for 10min for supervisor then 10 again so 40min to resolve something that should have taken 5 to 10mins tops. This complaint is they seem to be acting out of bank standard without offering options. That and now following established bank compliance 's on how to handle complaint that gets to this level. The time i was disconnect no call back. Considering what people are going thru with pandemic this horrible
Consumer complaint received 2021-03-22
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

My money still has yet to be sent to me a d they are taking their time giving me my funds back fir my XXXX claim and my for XXXX and XXXX one of those are approved already and says resolved but its not currently checkin my account and nothing and anyone can look in my account and see that I need my funds and this bank needs to be sued and shut down but also I need my situation fixed and attended to now I cant wait any longer I. Fought the bank over 6 months and my credits are permanent so can I please get my funds before I take every legal action I can take on this matter against Bank of America once claim is approved funds should be sent back to our accounts the negative balances is on the bank once claim is honored and approved I want my money and not In the next month I need them now
Consumer complaint received 2022-06-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

ive sent out several letters to the bureaus requesting an investigation into my disputes regaurding my credit report and the investigation has not been completed in the allotted amount of time. first letter was sent on XX/XX/2022 no response. i sent another letter demanding a reply on XX/XX/2022. still no response.
Consumer complaint received 2022-06-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: LendingPoint Holdings LLC (AZ)

During rst week of XXXX 2022, I was planning to take advantage of the current automotive market condition and sell or trade in my vehicle to purchase a new XXXX  vehicle. I called my banks and credit unions to see what the current rates are and to get information of obtaining a pre-approval. I was told that my rates would me higher due to my credit le. I pulled my XXXX, XXXX, and XXXX credit les and found that someone has been using my identity to obtain credit from several creditors. These creditors include the Lending Point LLC ( {$21000.00} ).
Consumer complaint received 2021-03-22
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. (LA)

XXXX  ; Experian and XXXX should not be reporting me as an Authorized User on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted XXXX as well as the bureaus to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc. (NJ)

Nelnet # XXXX, sent me an XXXX Application : On XX/XX/XXXX, My Physician and I filled out the application and sent it in. XX/XX/XXXX I received a response saying they were reviewing my application and XX/XX/XXXX they replied my physician did fill out the application. I have proof and the account is old.
Consumer complaint received 2021-03-22
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Earm LLC (PA)

This company is contacting my husband and his relatives, using my maiden name. Not quite sure how or where they got my information or their information to begin with, but they are going by the company name MAC. Me and my husband recently bought a house using a VA loan and i am the veteran, so I had to clear up all my debts. Not sure who this company is or why they are contacting people outside of my family. They are asking them for references.
Consumer complaint received 2021-03-22
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. (LA)

XXXX XXXX XXXX and Transunion should not be reporting me as an Authorized User on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted XXXX as well as the bureaus to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.
Consumer complaint received 2021-03-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (VA)

I recently refinanced my mortgage, transferring the loan from Pentagon Federal Credit Union to another credit union. The closing took place on XX/XX/XXXX and I was expecting the release of my escrow and refund of overpayment of the payoff within a matter of weeks but as of XX/XX/XXXX I have not received either refund. It seems to me that Pentagon Federal is holding my funds for the float rather than returning them to me in a timely fashion. Attempts to rectify this with PenFed were unsuccessful and when I reached out to the title agent, they informed me that PenFed actually processed the incoming wire a day after receiving it, triggering an unnecessary day of interest. 

My title agent suggests PenFed is notorious for doing this. 

Documents can be provided as necessary.
Consumer complaint received 2022-06-02
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

This company has been calling my phone non-stop over the last several weeks, presumably about a debt to collect. They refuse to tell me specifically what the calls are about other than a personal business matter. I have made it VERY clear to them that we have no business if they cant provide further details. I want the harassment to stop. Calls always come while I am at work, wasting my time, and my customers time.
Consumer complaint received 2021-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On Friday XX/XX/21 at XXXX PM I received a text message from ( XXXX ) XXXX saying " Free Msg-Bank Of America Fraud Alert- Did you attempt a pay a friend payment for the amount of {$3500.00}? Reply YES or NO or 1 to Stop Fraud Alerts '' I replied " No '' The number then texted me back saying " Free Msg-Bank Of America Fraud Alert- A representative will contact Reply YES or No or 1 to have a representative contact you '' At XXXX XXXX I received a phone call from ( XXXX ) XXXX from a representative at Bank of America XXXX He told me there was a XXXX XXXX from XXXX Florida trying to access my funds. He said in order to reverse the {$3500.00} that was taken we would need to set myself up as a recipient thru my bank mobile app. I added myself as a recipient with my First and Last name and my email. He said we will do this in 2 transactions, the first transaction I will be sending myself {$1000.00}. The second transaction will be {$2500.00}. I only had {$1000.00} in the account on that day. I explained that I will be negative if I complete these 2 transactions. He assured me that I was paying myself and reversing the " fraud activity ''. I questioned it again and asked if I can just complete this process at a bank. He assured me that the funds will reflect in about 45 min to an hour on my bank statement. He gave me a claim number of " XXXX '' and asked if there is anything else he can help me with. I thanked him and asked him for his name. He replied with " It's uhhh ... .XXXX '' And hung up. My heart sank and I immediately called Bank of America to dispute the transaction. They told me that it is not considered fraud because I had authorized the transaction. I called the local police department ( XXXX Police ) to file a police report. An officer called me back and told me that the XXXX number that had texted me was from Michigan and that this is now a Federal issue because it is across state lines. The police officer told me to use this website to report the fraud activity.
Consumer complaint received 2021-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (TX)

I notified American Express in advance that my payment was going to be late that was due on XX/XX/2021 because the XXXX XXXX made a processing error that was no caught in time. I received a phone call 5 business days past my due date on XX/XX/2021 from a Debt Collector harassing and threatening me to cancel the check and wire funds immediately. The Debt Collector requested I make an additional payment instead of the original amount. I did not cancel the check. American Express received the check same day. I also had to ACH additional funds because American Express kept freezing and putting my account on hold. I was not able to use my card.
Consumer complaint received 2022-06-02
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. (MD)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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 2021-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NJ)

I sent a letter to LVNV Funding regarding a collection on my credit report requesting proof showing that this belongs to me. they sent me back a statement dated XXXX XXXX-XXXX  2016 with my name and a address that I never lived. and demanding that I pay it. this account is not mine, Someone is using my personal information to establish credit account ( s ) to obtain goods and or services. I never lived at this address and I have never opened, nor did I authorized anyone to opened nor did I benefit, or will ever benefits from the account in question ( reference ID. XXXX )
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-02
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: CITIZENS FINANCIAL GROUP, INC. (NY)

This company has been calling my phone non-stop over the last several weeks, presumably about a debt to collect. They refuse to tell me specifically what the calls are about other than a personal business matter. I have made it VERY clear to them that we have no business if they cant provide further details. I want the harassment to stop. Calls always come while I am at work, wasting my time, and my customers time.
Consumer complaint received 2022-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (MN)

Last year, on XX/XX/2021 I received an early morning notification from XXXX Bank that a transaction occurred of over XXXX to XXXX. They asked me if I had done the transaction and I replied back " No ''. The card was frozen and I was issued a different card. The representative on the phone explained I would have to call the bank on Monday morning which I did to discover over XXXX unauthorized transactions occurred from the information on my bank account information. I called the police and they issued me a case number XXXX XX/XX/2021 number is XXXX. A XXXX report was issued XXXX XX/XX/2021 at XXXX PM XXXX because of the high number of transactions. This is the case number they issued to me. 
XXXX. The person involved in the theft is XXXX XXXX who did over XXXX transactions and spent almost XXXX at the XXXX XXXX XXXX and the purchase of some XXXX programs. Even though I told XXXX I did not authorize these transactions they paid them anyway out of my bank account. Despite all of this information given to the XXXX Bank , they sent me a letter proclaiming they found no fraud. I did notify them within the 60 days yet they refused to credit my bank account with the fraudulent transactions. Now, I got a notification from them yesterday somebody used my credit card information to send XXXX money through XXXX. I told them " no '' I didn't authorize this information so here I am again with the Huntington Bank allowing fraudulent transactions to happen when I told them " NO '' I didn't authorize the payments. I'm so frustrated and disgusted with this Banking XXXX that blames the customer rather than the criminal. and wondering if Huntington National Bank is going to pay for this theft again out of my account.
Consumer complaint received 2021-12-16
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is a narrative what happened to me on XX/XX/XXXX of XXXX On XXXX XXXX XXXX1 I went to XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX to buy a gas water Heater for my house. That day I decided to paid {$950.00} dollars for the water heater with my XXXX debit card. XXXX XXXX latter {$1000.00} dollars got withdraw at Bank of America ATM. On the next day XXXX, XXXXXXXX XXXX another {$1000.00} dollar got withdraw. Finally on XXXX, XXXXXXXX XXXX another {$1000.00} dollars got withdraw at the same Bank of American ATM location from total of {$3000.00} dollars. On XX/XX/XXXXXXXX XXXX XXXX I was off from work and XXXX 's was the only place I used my XXXX Card. On XX/XX/XXXX I went to worked from XX/XX/XXXX to XX/XX/XXXX. On XXXX, XXXX XXXX I got a text on my cell saying that my valance on my XXXX debit card was {$51.00} dollars. I immediately contacted Bank of America to explained them what happened. I have been calling them 2 to 3 times a week to asked them about my claim. I did a police report and I send them a copy of my California drivers license and a copy of my timesheet were they can see and compare my picture and the people on their cameras. A copy of my timesheet for proof that I was working 6 day straight when that happened. I got two letters from Bank of America saying that my claim if closed. This is the first time this happened to me. Please helped me with this Bank of America claim. This crime is affecting me and my family a lot because my wife and myself we are not working right now. We have XXXX daughter to support and a lot of bills to pay.
Consumer complaint received 2022-06-02
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: ALLY FINANCIAL INC. (MI)

I Disputed date of first delinquency changed on report to XX/XX/XXXX from XX/XX/XXXX. 
still reporting wrong DOFD date extending date of removal until XXXX from XXXX
Consumer complaint received 2021-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XXXX XXXX, 2017, XXXX XXXX XXXX add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2022-12-29
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. (SC)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed these items on XX/XX/XXXX, and XX/XX/XXXX, but the bureaus did not remove them, or prove validation. 
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
Consumer complaint received 2021-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OH)

On XXXX XXXX, 2017, LVNV FUNDING LLC add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA LVNV FUNDING LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2021-03-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF THE WEST (TX)

Submitted a boat loan application to Bank of the West on XX/XX/21. Received a denial for credit on the morning of XX/XX/21. I reached out to them for an explanation and was told my " DTI is too high ''. I provided supplemental documentation and a complete calculation of my debt vs. my income, as stated on my credit report. My DTI is under 40 % with the requested financing, which is the threshold for qualification. However I was still denied, despite having sufficient income and an average credit score of XXXX. I meet all of the lending guidelines which leads me to believe that a violation of XXXX may be in play here. I suspect it's due to me being pretty young for a typical boat buyer.