davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

When I realized me and my kids were victims of an organize crime ; the fraud account with Bank of America had be FRAUDULENTLY used 7 years prior and account was closed. My information was breached, acct mishandled, statements showing my name XXXX XXXXXXXX XXXX and statements were going to XXXX XXXX XXXX the college he is XXXX at in FL. I reached out to Bank of America in XXXX and XXXX due to finding out then I was a victim of some serious crimes and the fingers were pointed at me as if I'm the criminal of financial crimes when really I can barely count. I've suffered from financial hardship since XXXX. The account had deposits I was unaware of, XXXX atm card being used in different states and cities in the same day before and after I closed the account. The account was linked to a breached email XXXX and XXXX. Ive suffered from XXXX XXXX, XXXX, Banking Threats, Banking issues due to conflict of interest. I'm dealing with Mail Theft due to receiving mail from companies ive reached out to. When doing a change of address it was unable to be changed through USPS for these people address which is XXXX XXXX XXXX XXXX Fl XXXX, XXXX XXXX XXXX XXXX fl XXXX. The GEOLOCATION for my address is being altered and swapped to where I recieve no mail. They've gotten over a 10 year lead way on me with Bank of America, XXXX XXXX, XXXX, etc. They've FRAUDULENTLY taken out life insurance policies and cashed out faking me and or my daughters death for money, took out student loans using my full name due to having knowledge I never used my full name for anything. Bank of America refuses to remove the fraud info and prosecute the real criminals. Ive been singled out and feel like the world is against me and it is due to over XXXX being spent FRAUDULENTLY through banks CD accts trusts foreign assets forieng banks, life insurance XXXX insurance through now over XXXX person schemes ... ..HELP before I die of a nervous break down or they do it first ... they are misspelling my name to XXXX, XXXX etc and my last name being misspelled etc. They are blackmailing people I know to steal from me important papers documents for evidence. Police reports but no officer never investigate. This has caused hate crimes. There is XXXX XXXX XXXXXXXX XXXX XXXX Etc insurance companies involved using family members names, me and my daughter sharing the same XXXX when that's impossible, child support fraud ... XXXX needs to be audited due to conflict of interest breach hippa privacy laws altering information thats not true accusing me of several crimes that I'm innocent of, child support payments I never recieved for my kids showing up in Bank account as if they paid when they really didn't i have no one to help me
Consumer complaint received 2019-01-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION (TX)

I bank with BBVA Compass and have been with them since they bought out my previous bank XXXX. In total, I have been with them for 14years. BBVA Compass charged me two overdraft fees on two seperate occasions on pending debit transations that were not cleared leaving my account balance in the positive. 

The current charge I am refering about happend on XX/XX/XXXX. My paycheck was electronically deposited into my account the next day before the pending charges cleared keeping my balance in the positive and I was charged a NSF charge on XX/XX/XXXX after my check was in my account. The last balance my account shows prior to my check being deposited was a positive balance of {$53.00} When I reached out to BBVA compass questioning the {$38.00} NSF charge via their banking app, I did not get a response from them for about a week and half. In the intrem, pending their response, I called the local branch where I was refunded the {$38.00} on XX/XX/XXXX. I finally received and email stating I had received a respone to my message. The message did come through on XX/XX/XXXX and it stated that the charge was vaild and I would not be refunded the {$38.00} NSF charge. I responded questioning how could they charge me a NSF charge when my account balance never went negative but that I had worked it out with my local branch and the money was refunded. On XX/XX/XXXX I get a response via the banking app stating " We understand that your account was reflecting a sufficient balance at the time the debit was drafted from the account. However, when the debit posted to your account, there was a pending balance. The amount that was pending was a total of {$67.00} on XX/XX/XXXX, for your account ending in XXXX. as a result the available balance was not suffiient enough to cover the following debit : 1. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Due to this, the charge is valid. However, we have extended to you a courtesy refund in the amount of {$38.00} as of XX/XX/XXXX. '' I responded with I had a pending incoming ACH deposit ( my paycheck ) for {$1300.00} that my company sent out on XX/XX/XXXX and was pending until it cleared on XX/XX/XXXX ( before the NSF charge was received ). Which is why I beleive I was refunded the NSF charge as a " courtesy. '' I then received a message on XX/XX/XXXX stating my complaint has be submitted to an Escalation Specialists that would contact me withing 24-48hrs. I did receive a call and was unable to answer due to work, and due to XXXX  holiday I havent been able to return their call until today XX/XX/XXXX.
Consumer complaint received 2022-08-28
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)

THESE ACCOUNTS HAVE BEEN CLOSED/CHARGED OFF BUT NOT 100% REMOVED FROM MY CREDIT REPORT:

CREDIT CARDS:
XXXX  XXXX XXXX XXXX- XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
opened XXXX XXXX XXXX
closed XXXX XXXX XXXX XXXXXXXX  
XXXX XXXX XXXX
XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 
opened XXXX XXXX XXXX
closed XXXX XXXX XXXXXXXX XXXX

-XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX  opened XXXX XXXX XXXX 
closed XXXX XXXX XXXX XXXX XXXX:
Original Creditor: XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX
opened XXXX XXXX XXXX XXXX

Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXk XXXX  XXXX 
opened XXXX XXXX XXXX
XXXX

Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX 
opened XXXX XXXX XXXX
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
opened XXXX XXXX XXXX
closed XXXX XXXX XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I thoroughly reviewed my credit reports, I spotted some inaccurate information that needs reporting and correction through your company. The Bureau clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n.
Consumer complaint received 2024-03-24
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

XX/XX/year> some one gained access to my personal information and was approved for a apartment with XXXX XXXX XXXX and created a debut for XXXX XXXX I also noticed a address I have no association with was reported on my credit report the same time the collection popped up which was XXXX XXXX XXXX XXXX md XXXX. I tried disputing address but wasn't successful with all three credit reporting agencies.
Consumer complaint received 2023-07-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Waypoint Resource Group, LLC (TX)

I filed a complaint with the CFPB complaint I.D . XXXX beginning of XXXX XXXX about Waypoint and RPM trying to collect without verifying debt. The CFPB reached to them and their response was the account was returned back to creditor. On XX/XX/XXXX I receive another letter from Waypoint still trying to collect after stating they closed the file. I received an email stating the complaint was closed.
Consumer complaint received 2019-01-22
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: Midwest Recovery Systems (MI)

On XX/XX/2019, a collection account in the amount of {$400.00} was added to my credit report from a company I have never heard of, nor have I received any documentation stating that I owe this debt. Midwest Recovery Systems is the name of the company. They claim they are collecting a debt from a company called XXXX XXXX XXXX, who is not a company I have done business with. Searching online, I have found this is a severely fraudulent company and many others have had this same situation happen. I disputed it with XXXX, but they did not complete a thorough enough investigation and left it on my credit report. On XX/XX/2019, this same debt was added to my XXXX  report. I am in the process of disputing it with them also. 

Reading these reviews, I have found this company also has violated many collection laws with some threatening arrest and so on. It makes me think that this is the same company that reached out to me a few months ago at my work, telling my boss that I was going to be arrested for not paying a debt. I ignored them because I knew it wasn't true. It all sounds connected to this fraudulent activity on my report now. At that time, I had filed a complaint with the FTC and Attorney Generals office for the State of Michigan. After that, I never received another call. 

I do not understand how this can happen. There needs to be better accountability by the credit bureaus to protect consumers from this type of action that can affect so much in our lives.
Consumer complaint received 2021-06-26
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. (SC)

XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is very clearly stated that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report and it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the ongoing stress being caused by the delayed resolution of this situation. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

Company refuse to provide copy of requested full disclosure of auto loan contract and credit card contract with complete account numbers and transaction history. 
Company Name : Capital One Company EIN XXXX Address : XXXX XXXX XXXXXXXX XXXX, XXXX, Virginia XXXX I believe the company has committed fraud by switching my auto loan from paid in full to owing a balance. This was put on my credit report in error. In fact, I had a credit card with the company also and somehow they have switched the credit card loan to the auto loan.
Consumer complaint received 2020-09-15
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: Experian Information Solutions Inc. (MA)

I applied for a credit card with XXXX  XXXX XXXX online. The application was no processed because they wanted more verification of identity. I called their customer service and spoke with an associate who told me they had not began processing my application at which time I told her Im not sending in any verification of identity and I no longer want the card and I I dont XXXX  XXXX XXXX to to inquire on my credit report. She assured me that they hadnt started the application and no inquiries would be made. But as I checked my Experian report the following there was a hard inquiry by XXXX XXXX XXXX.
Consumer complaint received 2022-08-28
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. (CA)

XXXX 8 POTENTIALLY NEGATIVE MONTHS Account info Account number XXXX Date opened XX/XX/2018 Believe I was a victim of the XXXX data breach this information belongs to someone else I've made many attempts to try to resolve this issue and have this fraudulent account removed off my credit reports please assist me in removing this illegal item
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Santander Consumer USA Holdings Inc. (GA)

The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act has forbearance and credit reporting requirements that allows late payments to be removed from your credit report if you were impacted. The following company ( company name and account number ) shows late payments on my account and we have resolved the issue by settlements.
Consumer complaint received 2021-04-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: First Technology Federal Credit Union (CO)

I closed my loan account with First Tech Federal Credit Union. On the XXXX of XXXX, I sent a secure email to inquire what the process was to close my remaining account. I made no indication I was ready, only that I wanted to understand the process to prepare. The bank immediately closed my account and removed access rendering me unable to obtain tax documents to prepare my 2020 return. I had intended to complete my return before closing my account. The bank sent me a secure message to inform me of this but since they had remove my online access I could not read this. Upon calling them I was told there were some system issues in generating these statements and it would take at least 10 days to process and they would need to be mailed. The bank had no right to close my accounts, I did not give authorization.
Consumer complaint received 2020-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (FL)

Discover Financial Service recently approved me for a Discover account. Upon approval immediately my account was sent to Charge Verification Department requirements are three months of Bank Statements. I have since sent Discover one of my bank statements ( I hold multiple accounts ) I have faxed them four times and uploaded them once. Each time I call and check to see if they have received the documents they advise me that once they do an email will be sent. It has been over a week and not one person is willing to help.
Consumer complaint received 2023-07-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CLGF Holdco 1, LLC (WV)

I was contacted through text from XXXX. They mentioned they would be willing to take XXXX  % for my debt. I texted the number back because it did not mention the company name. I called the company to get more information, and they stated the name of the debt. I wanted to call them back so I could see how much I could afford to pay, and to see if I could check the status of the delinquent account. The representative repeatedly stated that if I hung out, then she would no longer be able to offer this. I then told her that was okay, and I would call them back after I checked on some things. She said thank you and hung up.
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CarMax, Inc. (GA)

The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act has forbearance and credit reporting requirements that allows late payments to be removed from your credit report if you were impacted. The following company ( company name and account number ) shows late payments on my account and we have resolved the issue by settlements.
Consumer complaint received 2024-03-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (RI)

so I noticed this company on my credit report Jefferson capital system and found out it was for XXXX I never had a XXXX  account in my name I always had a phone line with my wife for many years so I never needed to opened my own line so this account that has been opened in my name isn't my account I was informed to send in a debt validation letter to fix my credit due to buying a house so my credit needed to be clean and this is defaming my character I sent in my letter XX/XX/year> certified mail and I got a letter back that it was verified and the only thing shown on there was their letter head and a statement showing with payment due that's all it showing nothing else I wanted to know where this account came from because it was not mines I want this to be removed from my credit report
Consumer complaint received 2022-08-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (MD)

This complaint is regarding Santander. I have screen shots of the numerous calls that have been made to me, at different times of the day. I could be at home sleeping on my one or two days off I may get or at work, busy with a customer, or a very time oriented task that requires my full attention. I will receive a call from them almost every day. I have had an account now where they call me over 7 days in a row, 9 to be exact. I understand I owe money to them and continue to plan on paying till I pay it back and I have been paying multiple times per month some months when I can afford it. But due to the current economic situation we all face, it's made things harder on everyone. Having a company harassing you, annoying you, taking your enjoyment of things away, stressing you out further, or interrupt you during a very crucial task at work. I do understand I am a little bit behind on it and I have obligations. But due to they keep harassing me it makes me hesitant to want to have a loan with them. It has been causing me numerous problems at work and affecting me and my abilities to do so effectively and efficiently. They stuck me with a nasty interest rate, having tried them and others to refinance the loan to a lower rate or payment. But to no avail, even with a higher credit. I will not accept them being able to break a law and not be held accountable for it, regardless of the circumstances.
Consumer complaint received 2023-11-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Block, Inc. (NH)

XX/XX/2023 - XXXXXXXX XXXX  XXXX - called Account opened with XXXXXXXX XXXX  under my name on XX/XX/2023 -. This is XXXX of XXXX occurrances and am in the process of reporting all - XXXX sent me adebit card and verfication of account opening via mail. I reached out to them via phone XXXX. 
They advised that they will close the account but I got no verification. This complaint will be part of a report that will be filed with the XXXXXXXX XXXX Police Department.
Consumer complaint received 2021-04-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Arcadia Holdings, LLC (PA)

arcadia recovery is reporting 4 accounts on my report that i have asked for validation of debt from them multiple times with no luck ... they keep coming back saying it is verified but they are not conducting a proper investigation ... .see my attachments and look at the date of last active on all of them ... notice 2 different dates..these accounts have all been re aged and i demand that they delete these now for not conducting a full investigation as these are not reporting 100 % accurately as required by law
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-03-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MI)

J Jefferson Capital systems is reporting a a XXXX bill from XXXX. I do not have a XXXX account let alone a XXXX account from XXXX. When I disputed this on my credit report it came back as verified. They have no proof that I had a XXXX account in XXXX when I contacted them yet they are still reporting to the credit bureaus that I have an account with them for a XXXX phone from XXXX. 
JEFFERSON CAPITAL SYSTEMS Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1200.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1200.00} Highest balance - Terms XXXX Months On record until XX/XX/XXXX 2025
Consumer complaint received 2024-03-24
Product: Credit 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: CITIBANK, N.A. (ID)

Received an an email regarding renewal. I asked for cancellation of account but was charged renewal fee of {$140.00}. Received email explaining account was closed, however my credit was still billed. I have other accounts with Citi and have always paid on time. I am requesting a credit to be issued to my account.
Consumer complaint received 2021-02-15
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 (CA)

My credit card was charge for {$1900.00} for case # XXXX. The company " XXXX '' charge my card but did not provide the services they advertised and offered and has fraudulently misrepresented their billing and is incorrectly charging my for services they did not deliver. 

I provided Capital One with proof of this and they refuse to handle the claim correctly.