davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (NJ)

During COVID time, I requested a high speed internet service called " XXXX '' from XXXX for my home on XX/XX/2020. 
The company informed me that XXXX is not available at my zip code. 
My Address - XXXX XXXX XXXX, XXXX, NJ XXXX Till today 's date the service XXXX is not available at XXXX. 
So there is no point for XXXX to charge me for the service as it do not exist in my area and due to this there is no chance I could have used it. 

Despite this fact the company kept charging me every month since XX/XX/2020. 
Right now they have handed over the account information to a debt collector company called as CREDITCONTROL ( www.credit-control.com ) - Ph : XXXX. 

On XXXX XXXX I got an email from creditcontrol regarding the collection of {$1200.00} I contacted both the companies, XXXX and CreditControl, they are not providing me proper reason for the case. 

I request to whom it may concern - XXXX OR CreditControl to withdraw this charges as I have never got this services.

Original Account number - XXXX CreditControl Reference Number - XXXX
Consumer complaint received 2024-04-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Payfare International Inc. (OH)

On XX/XX/XXXX, with my XXXX  ( XXXX XXXX ) assistance, she transferred {$1000.00} from her XXXX XXXX  XXXX XXXX  account, which is a XXXX XXXX, to my checking account, XXXX Bank, which is a XXXX XXXX  XXXX. The funds never arrived, nor bounced back. The funds still say pending on her end. My bank XXXX XXXX  can not trace the transaction because XXXX XXXX XXXX will not give us the correct trace number to track the transfer, nor will XXXX communicate what the problem is and how to fix it. They keep hanging up on my XXXX  every time she calls. This is all online so there is no where to go as for brick and mortar. Please help us get some answers! Please
Consumer complaint received 2022-11-30
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. (FL)

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. 

Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX, Account Name : XXXX XXXX  Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-06-24
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I reported that i never received my credit card from capital one they credited my account back but they put the credit on hold for 90 days an wont let me access it XX/XX/XXXX for XXXX $ XX/XX/XXXX for XXXX $ an XXXX $ my XXXX statement says i have XXXX $ available but i do not have access to it
Consumer complaint received 2020-02-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (OR)

My student loans were both subsidized & unsubsidized with Sallie Mae with very low or no interest. Then Navient took them over & they were all consolidated at a much higher interest rate. Is that legal? I was originally told my subsidized loans interest could never be raised.
Consumer complaint received 2020-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

From XX/XX/XXXX until XXXX XXXX My accounts with XXXX have been listed as in dispute and I have no heard a word from Equifax after i sent letters several times.
Consumer complaint received 2022-11-30
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. (TX)

I noticed Transunion is reporting inaccurate collections accounts on my file, so I reached out to them. They verified the accounts even though they are not correct. on XX/XX/XXXX I asked them to provide me with how they verified the information and they never did. They failed to conduct an investigation and they failed to provide their method of verification.
Consumer complaint received 2020-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY (FL)

I will provide a photo of my statement. I am being charged {$71.00} on an account that is closed. No access to pay on line. I have to call every month practically begging to make a payment. All on time payments. It took many many months to get assistance to be put in there so called hardship plan with TD. It was for for two years no interest with a monthly payment of {$42.00}. This passed XXXX I have been trying to reach that department over and over. I am being told to call XXXX. I was provided XXXX number. Which has no affiliation with TD Bank. XXXX XXXX was the director of the hardship department. The only one with moral fiber. He no longer works at TD I come to find out. His number was XXXX. When I asked for this hardship I was not in default or late. My Mother became very ill and used all my savings and needed assistance due to the financial stress of taking care of my Mother. TD tells me I need to go into default!!!! Total violation. I was not going to do that. Finally I speak to XXXX XXXX after many many many months I am put into a hardship plan. Its a disgrace how badly I am treated. What these people put me through. I was on the phone 3 hours on Monday XX/XX/XXXX to make a payment and inquire why I have I interest charges. I spoke to 11 people. No one would take my payment! I was transferred to the Levy department. These people are scumbags. No one would give me the number to the hardship department nor assist in any way. I received a call from the State Attorney General Office as they received a call from OCC and all the trouble I have been having. TD is finally being investigated to all my allegations that taken place from the beginning. This has taken a toll on my XXXX  with all I have endured. I have no access to this account accept for mailing statements which sometimes I do not receive. TD removed my checking account when calling in as I have no other choice. Applied cash payments from TD bank where I went physically and credited payment to another account. Disgusting hood rat behavior. I will not tolerate this anymore! I was given XXXX. XXXX email who never responded in the last week. He is the SVP of customer service!!!! No response. Not surprised.
Consumer complaint received 2020-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (OH)

I received a letter ( attached ) from LexisNexis on XX/XX/2020 which also was the response they posted on the CFPB complaint website stating that they have removed a chapter XXXX bankruptcy from my credit report with their system. Upon further investigation, they LIED not only to me but to the CFPB ( a government agency ) They are still reporting this bogus information not only on their website but also reporting it to XXXX and others. 

In a phone conversation with LexisNexis on XX/XX/2020 they informed me that it was still, in fact, being reported but they show the open they removed had the wrong case number and they removed that one and the one they are still reporting has the correct case number. 

I find it funny that I lodged 5 complaints with LexisNexis regarding this matter and they stood their ground saying the information they reported was correct. On the 6th complaint, they send the attached letter saying it was removed but it was not and they come up with the story that 2 bankruptcies were reported and THEY had the wrong number? XXXX! 

I just recently got a new insurance quote ( copy attached ) and my rate was dictated by the bogus information that LexisNexis has reported. XXXX  & XXXX  removed this item over 6 months ago with no problem! LexisNexis and XXXX are hindering my ability to get reasonable rates based on their LIES and Bogus reporting. 

Therefore I have had enough and retained my attorney XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MI. XXXX ( XXXX XXXX XXXX to pursue litigation and file suit against LexisNexis & XXXX  for their improper reporting practices, misleading a federal government agency ( CFPB ), money damages, court and attorney fees.
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On XX/XX/2024 a deposit containing 7 checks totaling {$6400.00} was flagged by bank and not deposited to my acct, even though the proper endorsement procedures were filed. 
Bank stated reason being " no DBA '' on the business acct. Bank said checks are being mailed back to me for reporcessing. 
While waiting for checks, went to bank ( not sure date ~Mar XXXX, 2024 ) and added DBA paperwork. 
XX/XX/XXXX no checks received, went to bank and was informed that deposit was never sent, but checks are in electronic inbox and will be processed for deposit within 10 business days - case # XXXX XX/XX/XXXX went to bank after not receiving deposit and was unable to resolve the issue, no one knew the status of case. Asked for other getting money back or checks mailed- was told they can't do it, but theyhey resubmitted case again with " urgency ''. 
XX/XX/XXXX deposit still not processed. 
Can't get the money processed, can't get the checks back.
Consumer complaint received 2020-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/2019 charges of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX label Fraud Dispute were added to my credit card balance with no corresponding letters or anything in the mail. I did not authorize those charges and have gotten no updates in the mail from BoA about the refunds even though after calling I was told that was going to be reverted Further, this then happened again on XX/XX/XXXX for XXXX and XXXX and the letter that accompanied this was one stating these charges are being added back on due to a mistake. However, again I did not authorize those charges and I do not know what it is associated with.
Consumer complaint received 2020-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

This account was removed from my credit report 3 times, and each time it was reincerted, it also was REAGED with a different open date.I never received the mandatory 5 day letter in the mail prior to reincerting this on my credit report. 
This is a clear violation of my right to only have accurate info reporting on my credit report. I do NOT owe this company anything.
Consumer complaint received 2017-02-02
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: JPMORGAN CHASE & CO. (NY)

Chase contacted a family member through a phone number listed on my XXXX account. Chase claimed the number is on file in my account information that 's a lie. I asked Chase how they acquired the phone number and the woman said we did n't do anything illegal. " That number is listed on your account file ''. That number has always been used by my brother. Chase obtained that number through deceptive practices.
Consumer complaint received 2016-03-12
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX XXXX XXXX, XXXX. on XXXX/XXXX/XXXX Levied and seized by car. I had tried to negotiate with them on an old debt the bought from Bank of America that was charged off. They put a judgement on me on XXXX/XXXX/XXXX after the debt was charged of from BOA. I am XXXX year old widow. They told me they were going to auction my car and then attach my pay if I did n't pay them {$13000.00}. The debt was only around {$10000.00} orginaly. I offered to settle for {$7000.00} or pay {$1000.00} a month. They wanted XXXX which I could n't do. I had to rent a car to go to work which I am in XXXX and have to XXXX. I had to take the money out of my retirement XXXX. This has really hurt me financially and I think this is unfair. I do n't think they should put a Judgment on me to begin with. BOA had written this loan off. It shows on my credit report it was written off. With my husband dyeing supply I was left without his income and struggle to make ends meet.
Consumer complaint received 2020-02-27
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/XXXX I spoke to XXXX USAA rep. She was UNABLE to answer my questions regarding the fraud on my account. See attatched FRAUD CLAIM LETTER dated XX/XX/XXXX CLEARLY USAA POLICY TEMPORARY CREDITS MUST BE MADE PERMANET AFTER INVESTIGATION COMPLETED. See attatched XX/XX/XXXX Statement There are {$2.00}, XXXX OTHER CREDITS TEMP CREDITS ONLY {$910.00} TOTAL CREDITS for this period.??? QUESTION : If USAA Policy is to Convert TEMP CREDITS TO PERMANET as clearly it is * IF TEMPORARY CREDITS NOT MADE PERMANET UNTIL MONTHS LATER ( HOW CAN PERMANET CREDITS EVER EFFECT THE BALANCE CALCLATED MONTHS PRIOR.??? ) Then she claimed TEMP CREDITS ARE REALLY PERMANET  AT THE TIME THEY ARE PLACED ON THE ACCOUNT. QUESTION : IF THAT IS TRUE, WHY DO TEMPORARY CREDITS NEED TO BE MADE PERMANET as letter XX/XX/XXXX explains? She could Not answer.
Consumer complaint received 2016-06-08
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Credit Bureau of Carbon County (CO)

I was sent summons information about someone else from a collection company. They filed incorrect information regarding someone else 's debt in my case and Certified that I had been served while providing Name and Address of entirely different person. They additionally sent critical court date and appearance information to an old address, despite that all other correspondence addressed to current address. They are suing me even though I am paying on a debt that I have disputed.
Consumer complaint received 2016-01-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I 've had XXXX business checking accounts with Bank of America for 15 years. On XXXX XXXX, 2015, they closed my accounts without adequate warning and with no reason given. ( they say they sent a notice in the mail a couple of months ago, but I never saw it ) - I was setup with online paper statements/alerts, and I was never sent an email warning, nor were there any warnings when I logged into my account. 

This has affected my business, resulted in multiple missed payments, and lots of inconvenience just as I was heading out for my XXXX holiday vacation. 

I want to find out why they closed my account with no reason.
Consumer complaint received 2024-04-04
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 (DE)

Hello, I recently received a copy of my credit report and I noticed an inquiry that I did not authorize and of which I do not have knowledge. Please be advised that by law no inquiry can be place on my credit report without my authorization. I am requesting that this inquiry be removed immediately from my credit report. I Remove the following unauthorized inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CAPITAL ONE AUTO FINANCE XXXX XXXX XXXX I HAVE ATTACHED MY CREDIT REPORT THAT SHOW THE HIGHLIGHTED INQUIRES. PLEASE DELETE THESE UNAUTHORIZED INQUIRES!!!
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX  XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX  XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/2018 Balance : {$32000.00}
Consumer complaint received 2020-02-27
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (GA)

Santander is refusing to Validate this debt as being mine. I have successfully challenged this account for reporting to the Credit Reporting Agencies false, erroneous, inaccurate, and misleading unverifiable info.This account was removed from my credit report twice, and subsequently re-incerted, in violation of FCRA and FDCPA, without the perquisite 5 day notice being mailed to me. 
I have requested proof of this alleged debt several times, to no avail. I am entitled to have the Original Instrument of Indebtedness bearing my signature, I, m entitled to Calculations of Deficiency Amount including fees and interest, and all of the mandatory notices associated with this collateral ie.. 
*NOTICE OF SALE *RIGHT OF REINSTATEMENT NOTICE *POST SALE NOTICE *ACCOUNTING OF SURPLUS NOTICE *RIGHT OF DEFAULT NOTICE DISPOSITION OF COLLATERAL NOTICE just to name a few things that this company is refusing to provide me with in order for me to Validate their claim that I owe them. 

After my formal complaint to the CFPB Santander closed the account, but this false info is still being reported on my credit report.
Consumer complaint received 2020-02-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (CA)

I sent letters, also I sent police report, I called on XX/XX/XXXX XXXX, and the account was deleted / removed on XX/XX/XXXX also XXXX the account was deleted/ removed. In results of identity theft, the account wasnt mind, I have updated reports with item removed. I also contacted XXXX  XX/XX/XXXX, I received and update XX/XX/XXXX account remains
Consumer complaint received 2020-02-27
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United PanAm Financial Corp. (GA)

United Auto Credit is refusing to Validate this debt as being mine. I have successfully challenged this account for reporting to the Credit Reporting Agencies false, erroneous, inaccurate, and misleading unverifiable info.This account was removed from my credit report, and subsequently re-incerted, in violation of FCRA and FDCPA, without the perquisite 5 day notice being mailed to me. 
I have requested proof of this alleged debt several times, to no avail. I am entitled to have the Original Instrument of Indebtedness bearing my signature, I, m entitled to Calculations of Deficiency Amount including fees and interest, and all of the mandatory notices associated with this collateral ie.. 
*NOTICE OF SALE *RIGHT OF REINSTATEMENT NOTICE *POST SALE NOTICE *ACCOUNTING OF SURPLUS NOTICE *RIGHT OF DEFAULT NOTICE DISPOSITION OF COLLATERAL NOTICE just to name a few things that this company is refusing to provide me with in order for me to Validate their claim that I owe them.
Consumer complaint received 2023-06-24
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (UT)

I have a Lowe 's credit card that I signed up for e-Statements. The issue is that I am not getting the statements and then am being charged interest and late fees because I do not see at statement. I have used the card multiple times during XXXX but the last statement emailed to me was in XX/XX/XXXX. I believe I should be getting statements and not have to search them out.