davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio (TX)

I have been disputing this account for some time now with VANCE AND HUFFMAN. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they sent back documents that still do not prove that I am the owner of this account or that this debt is mine. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't provide valid sufficient documents pertaining to this account that it would automatically deleted from my credit reports. I am sure there is a law that proves it.
Consumer complaint received 2022-04-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NJ)

XX/XX/2022 I submitted two claims about there being two unauthorized charges made to my account. One taken from my saving account in the amount of {$2000.00}, and one made from my checking account in the amount of {$650.00} through a XXXX transaction. Both charges that were not made by me. 
Wells Fargo, my bank, stated that they will give me a claim number and do an investigation on my claims. In the meantime, I have changed all my account passwords and enabled two factor authentication for more security on my accounts just in case. 
On XX/XX/2022 I receive a letter in the mail about both claims I have submitted and the updates on them. They both said that, both the {$2000.00} and the {$650.00} could may be the result of fraudulent activity and they gave me a new claim number and closed my original claim number. 
Then in XX/XX/2022 I received a letter about both claims stating that they have determined that the transactions were made by you, or someone who had or authorization I did not give authorization nor did I, myself made these charges.
Consumer complaint received 2024-03-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC. (NC)

Requested bank wire transfer on Friday XXXX. 
Bank wire did not go through review for 3 business days. 
First business day was before the cutoff time, and didnt got. 
Called everyday and was on hold for up to hour or so and was requested to leave a voicemail. 
At which point the voicemails were left on a daily basis for Ally bank Wire team. 
No one ever called me back. 
On XXXX, forced them to wait on hold with me for the wire team. 
They supposedly verified it all. The wire was confirmed and supposedly going through by XXXX that night. 
Next day XXXX, 3 hours into the new business day we are still missing money from the account, but no wire is received at the other end. 
This is the 4th business day XXXX, called in again, waited on hold, and was lied too multiple times. 
They said it needs to be reviewed again. I asked how this is possible since we did that the other day. " Sorry, says its processing, so its at the fed, and nothing we can do now ''. 
Since this rep just stated falsely prior to that, I asked him to check on it. 
He came back with " actually yes it still in queue for us to process it out to the fed, so you can cancel it if you like '' I asked to speak to his supervisor due to the false statements, and to understand what can be done here. 
They attempted to cancel the transaction, and said the money would be refunded back to my account within 20 minutes. 
2 hours later Im on hold again trying to push this through. 
XXXX XXXX They had me on hold, finally told me that none of the cancellations i Was told about actually went through and there is someone actively working on it for them to send it through right now and do I still want to cancel?! What do you mean? The last supervisor didnt cancel it either?!
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (AZ)

My wife and I deposited a very large sum into our checking account at the time of deposit we were not informed or told in any shape or form there in a couple days they would put a hold on this check it was from the sale of one of our home as a result we have NSF account being charged to my account I have vendor fee is charging me face its been nine days and they still having clear my check. Ive called seven different times to the corporate office and different support within Bmo and they have refused to correct the situation or make it right They are operating with immunity its my understanding. They have a right to put a hold on the check, but they have to inform you the violated federal rules. Can you assist me I am a senior citizen in a retired veteran. This has been very stressful for my wife and I.
Consumer complaint received 2021-09-29
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: Experian Information Solutions Inc. (PA)

I dispute any and all alleged debts listed in my attached documents. If you believe I am in debt to your company I need to see the burden of proof. These accounts should not be reporting on my credit report without validation.
Consumer complaint received 2021-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC. (CA)

Net Credit is reporting negative information on my credit report in the amount of {$3500.00} which was opened XX/XX/2017. I have disputed this account and requested they send proof of how this account was validated showing my ownership and agreement to this debt. However they have failed to validate this debt with proof. I am requesting the removal of this debt from my credit report, because it does not belong to me, and its illegal to report false information on my credit report.
Consumer complaint received 2021-09-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I have made 2 payments 2 this company and they just took over this debt as of the first of the month, made my second payment to them today. Yet they call me everyday! I have blocked several numbers they call from. I have asked them to stop calling. I have tried to chat with them online and asked them to harassing me. They have also called my work. I am making payments, so i'm not sure what else they want me to do. They just call and ask everyday if I can pay the balance in full. I can't do that .... Can you please make them leave me alone?
Consumer complaint received 2021-09-29
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: EQUIFAX, INC. (VA)

Equifax sent me a letter ( which is attachec ) where they advised they are not doing any further investigating into the accounts listed on my dispute. Under FCRA I have the right to request the credit bureau furnish proof of the accounts being falsely reported to my credit report for accuracy. I have sent letters on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting teh credit bureau furnish these documents - as this information is not valid - I have not signed contracts with this companies. This letter is their denial of what is my right legally and they have exceeded the legal time frame to provide it. 

I have attached a notarized authorization for them to speak with you to resolve my complaint, a copy of a bill, US Passport and the last letter that was sent
Consumer complaint received 2022-10-11
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. (TN)

I have found out that my identity has been stolen and it has effected my credit and me getting a home. I have supporting documents to get the items removed from my credit.
Consumer complaint received 2024-03-19
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 (MD)

I was given a {$1500.00} AMEX Gift Card for XXXX. 
I have tried to use at Restaurants, Retails stores, online purchases, to pay electric bill and it will not let me do anything with it! The AMEX customer service were not helpful and said 'just ' keep trying. Joke - nothing works. I have the physical card but doesn't work.
Consumer complaint received 2021-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I called customer service with TRANSUNION on XX/XX/21 to remove fraudulent inquiries. Representative told me to file an FTC. The FTC website redirects me to file a complaint/fraud with Consumer Finance.gov. I tried to explain this to the TRANSUNION rep whom did not understand. I spoke with a FTC rep who confirmed that my type of complaint goes through Consumer Finance. My file number with TRANSUNION is XXXX. TRANSUNION has failed to provide documentation that these inquiries belong to me Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ). This is causing serious hardship in the mist of COVID-19. This has caused serious problems and hardship.
Consumer complaint received 2021-09-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc. (CT)

The collection agency reported a collection account for a medial bill from XXXX XXXX XXXX to the Credit Bureaus in XXXX of this year. However they did not send me the initial notification of the debt until a letter dated XX/XX/2021. This did not allow me the opportunity to either verify the debt not take action regarding it. when I called them after receiving the letter in XXXX, I spoke with XXXX XXXX, and she informed me that they sent me letters on XX/XX/XXXX and XX/XX/XXXX. I never received said letters, and when I asked her to send me copies of them she refused. I do not believe the mailed any letters and are, therefore, out of compliance with applicable Federal law including FCRA. I therefore demand that this report to the credit bureaus be completely removed, and that I be given time to investigate and if necessary pay the debt.
Consumer complaint received 2023-07-22
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. (MI)

ALREADY REMOVED THROUGH XXXX XX/XX/2022 XXXX Unauthorized hard inquiries from the following institutions : XX/XX/2022 XXXX XXXX XXXX XXXX, XX/XX/2022 XXXX XXXX, XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XX/XX/2022 XXXXXXXX XXXX XXXX  via XXXX XXXX XXXX Also fighting an ongoing identity theft case in California/Michigan for the past XXXX years XXXX This has been reported to the FTC, IRS, California XXXX, Michigan XXXX and am in process of pursuing action with the FBI as this is quite possibly a case of organized crime and identity theft. I will also be looking into the Equifax and XXXX XXXX breaches from the late twenty-teens and early twenty-twenties in order to figure out the source of the breach and pursue further legal/civil action.
Consumer complaint received 2024-03-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

we opened an account with Bank of America in XXXX, it was a HOME EQUITY LOAN, the interest was variable. In XXXX Bank of America sent us a reminder that the borrowing period of our line of credit will end in XXXX, offering us to applied for a repayment term extension, we applied and they approved us. the new loan was signed on XX/XX/XXXX total loan amount {$320000.00} Fixed rate ( 5.073 % ), XXXX months monthly payment of XXXX All good until XX/XX/XXXX when Bank Of America sold our loan and the new bank sent us the welcoming letter saying that our original loan is XXXX from XXXX. the interest rate is XXXX0 %, the principal balance now is {$160000.00} and the monthly payment is {$2500.00}. 
As soon as I saw all the numbers and dates I started to call the new Bank ( XXXX a division of XXXX ) but since XX/XX/XXXX they keep saying they will fix those numbers and nothing changes. Today I called Bank Of America to try to understand what they transfer but Bank Of America says that the original loan was variable and they only transferred the variable not the Fixed Loan.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MI)

XXXX XXXX XXXX LEXIS NEXIS Sold my personal information 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX XXXX Lexusnexus and XXXX are not maintaining reasonable procedures. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Neither company informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: PNC Bank N.A. (DC)

PNC Loss Mitigation provided me inaccurate information throughout the mortgage modification application process. I was told to wait to make a payment until I knew what my loan modification options were. I followed this guidance. Then PNC reported to the credit bureaus that I was 120 days overdue and my credit score dropped XXXX points. I have been trying to get this corrected because I was only following the damaging misinformation PNCs loss mitigation team provided me. PNCs executive client relations has been looking into it for over a month and has not provided me an update. They promise me calls and then do not call when they say they will.
Consumer complaint received 2023-01-24
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: EQUIFAX, INC. (PA)

There has been an ongoing Identity theft Issue with fraudulent accounts and unverified accounts still appearing on my credit report after they were reported as identity theft via a police report and FTC report. There are numerous accounts being inaccurately reported in addition to the fraudulent accounts not being removed after numerous attempts to do so. Equifax, XXXX, and XXXX are violating federally protected consumer rights by reporting fraudulent and unverifiable information as accurate with no proof of the method of verification being provided.
Consumer complaint received 2022-04-16
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. (GA)

XXXX XXXX XXXX is on my credit reports all information reported must be accurate this is identity theft I never owned signed a contracts or possessed the vehicle this violates contract law universal law fcra and fdcpa and the ucc I will go to the fullest extent of all law and order to correct this matter of not corrected in 15 calendar days of this notice this serves as a quasi contract from silence in every attempt that's been made to correct this in civil regard
Consumer complaint received 2024-04-09
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

These hard inquiries I do not recognize or have not been authorized by me. 

XXXX XXXX XXXXXXXX XXXX XXXX, XX/XX/23, XX/XX/23, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COAF XXXX XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-04-16
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. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX/Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following itemscompletely from my Credit Reports : XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXX  XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXX-XXXX-Date of XXXX XXXX XXXX, XXXX
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

I replied to an email from the collection division of XXXX XXXX XXXX, and I told them that I never received the merchandise that ordered from them. Never received a response. So I disputed their little collection account on my Experian credit report, and the proceeded to re-age my collection account so that it would spoils that I was currently late like 120 days in my payment. Thereby, causing my XXXX score to plummet. Fell XXXX points in less than XXXX hours.
Consumer complaint received 2022-04-16
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 (TX)

I have a Capital One credit card. I paid off my balance on XX/XX/2022. I had a XXXX balance for the rest of the month and I did not use the card for any purchases. 

On XX/XX/XXXX I logged into my account and saw that I had a {$2.00} interest charge. After viewing the statement the it said {$100.00} was subject to interest even though my balance was XXXX. 

Additionally I have auto pay set up on the card and the {$2.00} was not paid automatically. When I called customer service they could not give me a clear answer as to why I was charged interest.