davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jim Bottin Enterprises, Inc (TX)

On XX/XX/19, I was accommodated by a XXXX member holder, as I was getting ready to leave the gym ( a female agent by the name XXXX ) proceeded to yell at me " YOUR A LIAR -- I was looked around she said, " I talking to YOU! '' Embarrassing me infront all those customers. Than, demanded that I open a membership in my name I told her " I going to SUE YOU for embarrassing me by calling me a liar! '' She started to take out her personal cell phone in the attempts to harass and intimidate me by using the film when, I asked her not to record me. She continued to harass me until I agreed to sign up for membership. She stated the asked for my routing, account, and debit info along with my Texas drivers license. Agent advised the first payment would be XXXX.. taking out on the XX/XX/XXXX and the annual would be XX/XX/2019 for {$42.00}. To my finds by my bank alert, XXXX XXXX debited my account on XX/XX/2019 and I just open this ( XXXX account on XX/XX/2019 ). I called XXXX XXXX and was advised no it was not scheduled untilXX/XX/2019. Customer service office advised to speak to the manager of XXXX XXXX on located on XXXX XXXX XXXX XXXX, Tx XXXX. After showing the manager the copy for my bank, she proceeded to take it was correct for them to debit. Manager tried to speak to me in an uneducated form and belittle my intelligence. Manager spoke out in public to other customers and employees about my account status. Her and ( staff-Male ) proceed to make funny discriminating remarks. I asked for my money back and she proceed to tell me NO that was the start up fee. However, her agent never sent any documents to me and to my findings the information was intended not to reach me.. It contained the wrong email, address, and phone. She tried to embarrass me in front of all those customers and staff to blame me for the information not been correct when, her agent put in the info and never gave me a copy of the  contract. I fined it not to be funny on treating people poorly based on the skin color. The manager and staff where XXXX and proceeded to degrade and belittle me by her remarks and unfairness ... I want my money back
Consumer complaint received 2019-07-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC (TX)

On XX/XX/19, I received a notice in the mail from Mobiloans, claiming that I owed them money in the amount of {$1100.00}. The notice was dated as of XX/XX/XXXX and said I owed them {$100.00} due on XX/XX/19. I have never heard of this company and certainly have never borrowed money from them. I sent an email to their support email address : XXXX, advising them that I had never heard of them or taken out a loan with them. I requested that they correct their records or I would report them to the FTC. They replied I needed to complete an affidavit and have it notarized and sent back for them to investigate. I advised this them was outrageous and appeared to be a scam to get personal information from me such as my driver 's license, date of birth, social security number, etc. None of this passes the smell test. I checked with XXXX  and found that Mobiloans has never made any inquiries about my credit. A legitimate company would not provide a loan or line of credit without first checking someone's credit! This stinks to high heaven. Please help.
Consumer complaint received 2018-02-25
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: Rocket Mortgage, LLC (WA)

In XX/XX/2017, I contacted Quicken Loans to understand if I could do a cash-out refinance on my primary residence, which at that time I had owned for eight months. I wanted to get a quote from them, given that I had already gotten a quote from a local lender in the state of Washington. 

I initially talked to XXXX XXXX on the phone, Senior Mortgage Banker, and told them that I had already done my research about cash out refi Jumbo Loans. Specifically, I told him that other lenders that I had previously contacted wouldn't offer me that product since I had to have ownership of the property for at least one year. Apparently, this was not a black and white rule, and different lenders had different policies. 

XXXX XXXX XXXX told me that I was perfectly eligible for a Jumbo Loan cash out refinance, and the fact that I had lived in the property for eight months was not a problem. Once he said that, I decided to proceed and move forward. Long story short, this ended up being a nightmare and a waste of time. About three weeks after I applied, another employee from Quicken Loans told me that I wasn't eligible for the cash out Jumbo loan refinance. 

I ended up getting my refund for the application fee and the appraisal. However, I still have at least three hard inquiries on my credit report ( see list below ) that I would like to be removed since this company 's practices were deceptive at best. 

XXXX XXXX : XX/XX/2017 XXXX XXXX : XX/XX/2017 XXXX XXXX XXXX : XX/XX/2017
Consumer complaint received 2023-03-22
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (TX)

Comenity XXXX XXXX XXXX XXXX billed me twice in one month ( XX/XX/2023 ). This is illegal. The second bill is for a different and increased amount. The excessive billing is done in retaliation for submitting a complaint to the Financial Protection Bureau ( CFPB ) and to communicate that Comenity intends to act in a spiteful manner to the customer along with defiance to the CFPB and relevant law. Harassment. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I already submitted copies of my related receipt and bill with the previous XX/XX/ complaint to the CFPB about Comenity Capital Bank.
Consumer complaint received 2019-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After reviewing the financial history of account, below are the items I believe are in inaccurate and would like to formally dispute. 

XX/XX/XXXX a bill/due date in the amount of {$990.00} that differs from the principal but without detailed, itemized expenses. 
XX/XX/XXXX late charge of {$30.00} that should not have been assessed. 
XX/XX/XXXX a final payment of {$240.00} was made which was the amount that a XXXX representative stated was the remaining amount due. 

According to the payment history sent by XXXX on XX/XX/XXXX, there is a balance of {$16.00} that was remaining but there is no bill/due date noted that shows at any time any representative of XXXX either by mail or telephonically informed me of the {$16.00} balance. 

XX/XX/XXXX notes that the account was noted as a Charge Off even though the loan had been completely paid off via the amount XXXX stated on XX/XX/XXXX and I was never notified of a remaining balance of {$16.00}. 
XX/XX/XXXX notes an additional repossession expense charge off in the amount of {$400.00} that should not have been assessed as it was previously paid and again not in the stated pay off amount, via XXXX XXXX on XX/XX/XXXX. 
XX/XX/XXXX late charge off fees of {$120.00} that should not have been assessed. 
XX/XX/XXXX non sufficient funds fee/charge off fees of {$25.00} that should not have been assessed. 
XX/XX/XXXX interest fees/charge off of {$.00} that should not have been assessed. 

In addition, the amounts paid on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX equates to a total of {$1000.00} which is greater than the final bill/due date that was sent on XX/XX/XXXX and stated a final payment of {$990.00}. This was the last bill/payment request that XXXX XXXX mailed to me. 

On or around XX/XX/XXXX the paid off vehicle that this loan was secured on was traded in to XXXX XXXX XXXX in XXXX XXXX, XXXX. Legal ownership of the vehicle then transferred. The XX/XX/XXXX payment in the amount of {$560.00} should not be represented on my financial history account as the final payment as made on XX/XX/XXXX, the vehicle was sold to the dealership on or around XX/XX/XXXX, thus I was no longer the legal owner or in possession of the vehicle on XX/XX/XXXX. This payment activity transpired 9 months after legal ownership had transferred.
Consumer complaint received 2015-09-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ad Astra Recovery Services Inc (NV)

I have a collection on my Credit Bureau showing that I owe {$650.00} Dollars that is the result of Identity Theft. I have been disputing these false charges on me for over 2 years. This loan was taken from an individual in another state also an out of state Bank and deposited to an out of state bank at which I have never gone to. I feel nobody has investigated this issue THOROUGHLY or you would see this is not me. I reported this issue as soon as I found out about it. Now it is showing a collection on all three Bureau 's this is not me I do not know how else or what else to say. Please help me with this issue it is XXXX I do have enough money to pay this amount but I refuse to, due to the FACT THIS IS NOT ME that took out this loan. Thank you for your help and your time I hope to hear back from you soon.
Consumer complaint received 2023-04-05
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. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Please remove 1.XXXX  XXXX XXXX XXXX  card Date opened XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX 3.XXXX Date opened XX/XX/XXXX
Consumer complaint received 2022-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Due to the following XXXX [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Consumer complaint received 2019-07-10
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. (OH)

I have two fraudulent medical bills on my credit report that do not belong to me! I have never been to either place for medical services. Please delete that following accounts : XXXX # XXXX Bal {$4200.00} ( XXXX ) XXXX PO BOX XXXX XXXX , OH XXXX XXXX XXXX BAL {$1400.00}
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

I submitted an online dispute with Equifax and have tried repeatedly to get a copy of the results after being notified via email they were ready. The online portal never let me in, so I called them directly. After giving every possible identifying information to the customer service rep, I still was not given the info. After getting extremely frustrated, I requested that it be mailed to me. The person placed me on hold to see if that was possible. They came back eventually after an extended wait and stated : It will be a while before you receive it! This is absolutely ridiculous as I have been trying to get the results of the incorrect information that they should have been removed weeks ago off my report. This seems like a tactic to frustrate the consumer from removing erroneous info from their reports. It is shameful and appalling..
Consumer complaint received 2019-07-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PlusFour, Inc (NV)

PlusFour Inc has not deleted a medical account that was paid. The original creditor XXXX XXXX XXXX was paid in full. I invoked my HIPPA rights as I paid. No third party should be reporting this information since it was paid. I sent them a letter with proof of delivery dated XX/XX/XXXX. They have has this letter and have not removed the medical account. If not deleted in 5 days I will file a lawsuit. I have already contacted a consumer attorney.
Consumer complaint received 2019-07-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (KY)

First instance occurred w/ regions bank was on On XX/XX/2019 my purse was stolen out of a shopping cart, which resulted in many of my cards being stolen and used. When I noticed my purse was missing I cancelled all of my cards but couldnt dispute any transactions when the following Monday when they posted. XXXX dollars was withdrawn from my account. I filed a dispute and was denied b/c they wont except the police report AND the detective working the case has called several times and spoke w/ the supervisor himself. 
The second instanced occurred on XX/XX/2019 and I personal sat down with the branch manager and told him remove overdraft protection and I dont want nothing paid. I told him the representative said she removed it a week priory and she didnt and I was charged XXXX dollars in overdraft fee when the lady said she removed it. He promised he took care of everything and nothing will go through if no money isnt in the account. I woke up 2 days later and notice I was hit with XXXX dollars worth of overdraft fees when the branch manager of XXXX Indiana promised nothing will go through! Regions has being doing shady transaction moves allowing things to go through when your not opted in. In the past 2 month I been hit with almost XXXX dollars worth of fees!!!
Consumer complaint received 2019-09-23
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)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPT OF ED/XXXX XXXX DPT EDXXXX 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 XXXXXXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2019-07-10
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: NAVY FEDERAL CREDIT UNION (MO)

I recently received and closely studied a copy of my credit report. To my dismay, it seems as though Navy Federal is reporting an alleged Inquiry for date of service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that has been unauthorized, not compliant, or without permissible purpose onto my credit report. I then send them a certified letter with return receipt # XXXX I did not authorize anyone employed by this company to make any inquiry and view my credit report. I understand that this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. The inquiry showing by this company is not of any evidence detailing my authorizing of it or any verifiable documented physical proof of the adequately and lawfully acquired permissible purpose from the one and only legally identified me and or any person and or entity with authority to render such permissible purpose. To my understanding they have no right to violate common regulatory standards of compliant reporting laws and as such certainly are not to be allowed to injuriously, in defamation mind you, place any unproven item of information in chicanery-derived accusation ( s ) including any such claims of an inquiry deficient of demonstrated evidence of truth, accuracy, timeliness, and compliance on any consumers credit profile history much less one that has lodged a compliant checking for and calling for proof of said compliance to current federal and state regulatory reporting statues and laws UNLESS it is irrefutably shown that not only that I have authorized it but that the manner the alleged inquiry was processed and reported was in full agreeance to the acceptable standards of laws related, known or not.
Consumer complaint received 2019-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/19 I applied for the Chase XXXX XXXX credit card while browsing for flights on XXXX. A banner ad displayed an offer of {$250.00} statement credit and XXXX bonus miles after spending {$2000.00} and opening a new account. I was approved immediately and completed the prerequisites for receiving these offers. When my statement came in XXXX, the only offer provided was the bonus miles. I messaged a Chase representative inquiring about the statement credit and was told I was not eligible because they changed the promotion. I view this as deceptive advertising as it is not the consumers fault that they are running outdated banner ads when a promotion has ended.
Consumer complaint received 2023-01-11
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: Self Financial Inc. (KY)

In accordance with the Fair Credit Reporting Act, 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.
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (UT)

Experian charges {$19.00} for a membership for enhanced services that is almost impossible to opt out of when trying to use services on their site. When trying to cancel, it appears that the only way to do that is through an online chat which is often not available or over the phone. Although these practices are reprehensible and deceptive, the reason for my complaint is that on the phone, Experian REQUIRES providing one 's full 9 digit social security number to an automated voice prompt. 

This is so irresponsible for an institution in possession of so much of my data, I wonder even now if I've been a victim of fraud. Even on this submission form, CFPB advises us providing exactly this kind of information. 

Moreover, Experian does not provide any straightforward way to provide this type of feedback directly to the company.
Consumer complaint received 2022-10-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I am a victim of Identity theft. My Bank of America and XXXX XXXX  account got hack on XX/XX/2022. 
XXXX ) Hackers were able to transfer all my money from My Bank of America Checking and savings account. I called to Bank Of America fraud department and request to resolved this issue but I have not heard from them yet. 

XXXX ) Hackers were able to transfer {$5000.00} from my account to his account ( XXXX bank ). XXXX XXXX were able to detect this fraud and revert back my money to my new wells fargo account. 

I still don't know how did this happened. I want to know why it happened to my account so in future no one will be victim like me. I also need my money back from Bank of America.