davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-24
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

This letter is your formal notice to cease your 2 unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made on : XX/XX/XXXX- XX/XX/XXXX Made with : XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my email address listed so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 

Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
Consumer complaint received 2022-06-14
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2018-12-11
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: CITIBANK, N.A. (NC)

On XX/XX/XXXX, I made a cash advance that totaled {$1000.00} with my Citi AAdvantage Mastercard ( account ending in XXXX ). Unknown to me, my credit card was then hacked, spoofed, or whatever the term is. And someone that was NOT ME made two more cash advances as the same place for the same amounts ( XX/XX/XXXX for {$1000.00} and XX/XX/XXXX for {$1000.0

0} ). I was unaware of this fraudulent transaction. Approximately two weeks later, when reviewing my statement, I noticed these two fraudulent charges. I called the company. We reviewed all my charges prior, these two charges, and all the charges afterwards. I told them that I was responsible for many charges prior and after, but I was NOT responsible for these TWO
cash advances. We closed the account and had a new card account issued as a result.

On XX/XX/XXXX, I received a letter from the bank stating that the NO CREDIT would be issued for these two fraudulent charges. The reason : " Valid charges were made with the credit care issued in the name of XXXX XXXX XXXX both before and after the disputed charges. We acknowledge your situation ; however, credit will not be issued for the item ( s ) in dispute ''.

This reason is nonsensical. I already agreed and affirmed valid charges with the company after I reviewed my statement. This is what caused me to call the company : these two fraudulent charges. My card and associated information was obviously hacked at the machine and malign actors used this to steal ~ $ XXXX in cash advances. The reason specified by the company makes no sense. I attempted over the last 2 months to call and get more information and rationale, but to no avail. 

I am being denied protections afforded to me under the Economic Growth, Regulatory Relief, and Consumer Protection Act and the Fair Credit Reporting Act and I request immediate remedy.
Consumer complaint received 2018-04-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (NC)

On XXXX of 2018 I received a alert through a credit monitoring system that a collection account from Hunter WarfieldCollection was placed on my credit in the amount of {$12000.00}. Prior to this alert I had never heard of this company or have done business with them. Furthermore, I had never received any letters, phone calls or any form of a collection notice from them nor am I unaware or it's affiliate listed. I disputed the debt with the three major credit bureaus : XXXX, XXXX and XXXX and have sent a letter directly to XXXX asking for the debt to be validated. 

Hunter Warfield, failed to respond to my request for validation with two written attempts but instead chose to have the account closed with the three major credit bureaus stating paid in full. The same day they re-opened the exact same account showing a new balance of {$12000.00} exactly {$1.00} more and still has not responded to any of my attempts to validate this debt and completely remove this item off of my credit reports ( XXXX, XXXX, and XXXX ) as this violates my rights as a consumer under the FCRA 15 U.S.C. & 1681 g & I have a right to be notified of a debt they say I owe. 

I am left with no other choice as a consumer submit this complaint in hopes of a quick resolution to permanently remove these items off of my credit reports
Consumer complaint received 2021-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XXXX XXXX, XXXX, Bank of America, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX specifically and aforethought intentionally told me that I had overdraft protection on my XXXX ( XXXX ) credit cards. " You will not have any more problems with overdraft protection! '' I am prepared to testify under oath to this in a court of law. 

Now I learned that the Bank of America has not honored the aforementioned over-draft protections and so has charged me XXXX ( XXXX ) overdraft frees of {$35.00} each which is having a snowball effect on my checking account. 

In short, he lied to me!
Consumer complaint received 2018-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (AZ)

I added my son to my NFCU business account as an authorized user about 2 years ago or so. He was added with no problem. Today XX/XX/2018 my business assets are frozen because he owes them money and they blocked me out of my own business accounts. Apparently he owes them over {$5000.00} and they restricted my account because according ti them they can do that. My son went into a branch as was grossly discriminated against and treated like a criminal when I sent him to get a cashiers check. He has called in several times with me and they have been rude and We have been hung up on and when trying to speak to a supervisor I am advised that there is no one working that someone will return my call in 24 to 48 hours. According to what I know these accounts are from XX/XX/2010 and they are declining to forward information to validate the debt. On the recorded line the rep insisted he say that He acknowledge that he owes the money after repeated attempts by the rep in their recovery she hung up and became rude. By them restricting access to my buainess account it will cost me a total of about XXXX to XXXX in fees and other legal costs because of that. My business should not be responsible of them not verifying his information when I added him over 2 years ago. They should have said no of instead taking opportunity to try to collect on a business account that frankly he is only authorized to go when I am not available. I feel that these actions were initiated as a retaliation because they made me go through hoops about a code word on the account and because I stated that I would report them to the proper authorities.
Consumer complaint received 2018-08-02
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: CITIBANK, N.A. (GA)

yes I provided citi bank with all the proof from XXXX XXXX showing the works was not performed at all and they stated we were ripped off no work has been done and city is not working for me keeps taking the money back under the fair credit blling act I am protected and under the clause of services not render or received.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX. XXXX 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 an account without my written instructions
Consumer complaint received 2022-10-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BYL Collection Services (UT)

The account XXXX is from BYL companies, first reported on XX/XX/XXXX. Account was closed due to discharge from my bankruptcy filed XX/XX/XXXX. I was denied a rental opportunity solely due to this inaccurate reporting that shows the account is still in collections and is open. Called BYL and they said account shows closed.
Consumer complaint received 2022-10-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commercial Acceptance Company (PA)

I spoke with Commercial Acceptance Collections on XX/XX/2022 about a collection account that was opened. It should have never been opened. The account has been closed because I was insured with XXXX. The XXXX reached out to them XX/XX/2022 and faxed letter of eligibility to help mitigate payment and removed account from my collection. I called the debt collector the same day and was told that the account was closed and that it would be removed from the credit report. Today, XX/XX/2022, I called to ask why the collection account hasn't been removed after filing a dispute with the credit bureaus. An agent rudely tells me that the account will remain on the report because people who have XXXX are still considered debtors unless they pay in full/out of pocket. My next step was filing this dispute.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DE)

XXXX XXXX IS CURRENTLY & HAS BEEN IN VIOLATION OF MANY OF MY FCRA & FDCPA RIGHTS!!!! XXXX XXXX KNOWINGLY & WILLINGLY REPORTS UNLAWFUL REPORTS TO MY CONSUMER CREDIT PROFILE!!! I PLAN TO TAKE ACTION & SEEK COMPENSATION PER VIOLATION!!! XXXX XXXX HAS CUASED DAMAGE TO MY CURRENT STATE OF LIVING & HAVING ACCES TO FAIR CREDIT! WHICH IS A VIOLATION!!! XXXX XXXX TAKES ADVANTAGE OF PERSON EXTENDING CREDIT TO ITS CORPORATION!!! XXXX XXXX IS CURRENTLY REPORTING MY CONSUMER PROFILE PASS XXXX  YEAR STATUE ALONG WITH INACCURACIES!!
Consumer complaint received 2018-12-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CA)

In XX/XX/2018 Fay Servicing contacted me about being 6 months behind on my mortgage payments. I spoke to XXXX XXXX at Fay Servicing about this and I told her that was wrong because the payments were being taken out of my bank account automatically every 2 weeks for the past 2 years. she told me that the records on her end showed I was behind 6 months so she needed to see my bank statements that shows the payment was being taking out and she wanted me to fax her the statements. I faxed them to her and when she received them she said it didn't matter that we still showed we were behind and our home was going to be put on the auction block if we didn't give them XXXX XXXX XXXX which ballooned to owing them XXXX XXXX XXXX which I didn't have on hand. In XX/XX/XXXX they also stopped the automatic payments and would not accept any payment unless it was the full amount they stated we owed. I collected my bank my statements from XX/XX/2016 to current which showed that they had been getting there payments every 2 weeks. They were not interested in the information and proof of payment I had. In XX/XX/XXXX we tried making our payments but were unable to do because they had blocked any payments from going through. my house was put on the auction block in XX/XX/2017. mean while I was getting the funds together so we wouldn't lose our home. our home was 12 hrs from being auctioned off when I finally had the funds in hand to save my home. I was given an amount of over {$23000.00} dollars to bring our mortgage current and i was told it included all legal fees.now 3 months into this ordeal I receive a statement for over XXXX XXXX XXXX for legal fees!
Consumer complaint received 2018-04-23
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. (NY)

XXXX XXXX, Equifax and XXXX  are reporting my score harmfully low. It is important to recognize that my credit score is violating my rights to obtain a loan including approval on a dwelling for my family, and preventing me from establishing any type of credit at all. I have worked tirelessly to improve my credit report and my score has decended dramatically with less negative items being reported! I am disputing the score on my three reports, with this reported score I can not be approved by a landlord, utility or insurance including a job! Inhave XXXX  children and a wife. This credit report and score is hauling me from establishing credit and my ability to create a safe environment formmy family.
Consumer complaint received 2022-06-14
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2021-06-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (FL)

This complaint comes forth as I am in a no win situation that has me very confused. On XX/XX/2021 Suntrust bank placed my account in the process of closure pending review by The Loss Prevention Department, the confusion comes forth as I never reported any transactions fraudulent nor do I have any lending products from Suntrust or any of their partner entities. I currently have over {$30000.00} dollars on hold and all my pending bills and daily transactions were reversed without specification or timeline of resolution.
Consumer complaint received 2018-04-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Credit Services Inc. (MI)

XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, MI. XXXX ) SENT A COLLECTION NOTICE FOR XXXX ON XX/XX/XXXX. I CANCELLED MY MEMBERSHIP IN XX/XX/XXXX BECAUSE THEY CANCELLED XXXX XXXX AN EXERCISE CLASS AND THE REASON WHY I JOINED THE GYM. THE COLLECTION AGENCY STATED THAT I OWE FOR XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX. I HAVE PROOF THAT I CANCELLED THE MEMBERSHIP AND CALLED TO SPEAK TO XXXX XXXX ( MANAGER ) WHO APPOLOGIZED AND ACKNOWLEDGED THAT THE AMOUNT IS WRONG BUT STATED THAT HE COULD NOT DO ANYTHING ABOUT IT BECAUSE IT HAS ALREADY BEEN SENT TO COLLECTION AGENCY. FIRST CREDIT SERVICES , INC. XXXX. XXXX   XXXX XXXX XXXX XXXX, XXXX, NJ. XXXX IS WHO SENT TO COLLECTION NOTICE ON THEIR BEHALF. I ALSO SPOKE TO XXXX AT THE GYM WHO STATED THAT THE AMOUNT IS WRONG HE WOULD NOT GIVE ME HIS LAST NAME BUT XXXX XXXX WHO ALSO WORKS AT THE GYM SUBSTANTIATED THIS INFORMATION.
Consumer complaint received 2018-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

Pa housing finance agency was charging me {$100.00} a month, and then it was lowered to {$50.00} a month and it was backdated. Now my experian credit report is showing 180 days late for XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018, 120 days late for XX/XX/XXXX-XX/XX/2018. They have XXXX past due. This is not correct, based on the payments I have made and my payment amount changing, my credit report should not have any late payments on the dates I provided above.
Consumer complaint received 2022-06-14
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: NCB Management Services Inc. (TX)

On XX/XX/2021 NCB MANAGMENT SERVICES added a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and charged off and i am no longer responsible for the account. debtor creditor did not verify this account. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA NCB MANAGMENT SERVICES has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
Consumer complaint received 2018-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Diversified Consultants, Inc. (TX)

Last year I called XXXX XXXX to get their cable service. I specifically ask for certain channels. The rep gave me a package and I asked over 3 times did that package have the channels I was asking for, she said yes. When the installer came out and did his job, I told him to hold on until I checked for my desired channels and they were not in the package. I told the installer to disconnect everything and he called the office and told them what I said. The rep asked to speak to me and i constantly told her they lied to me so they could take their service and equipment. The installer stayed around for 2hrs and as he was standing there, i canceled the service. I mailed them back their equipment and remotes. The supervisor threaten to charge my account over {$800.00}. So I shut down all the accounts at the bank. Almost a year later they are filing this on my credit and put an amount I don't owe them in collections. I didn't have their service for 30 min so I thought. I had XXXX installed and XXXX XXXX was still letting my account remain open after I told them I wanted it cancel. I never got a bill nor a phone call. I cant see where I am responsible for the lack of professionalism in the XXXX XXXX business.
Consumer complaint received 2018-04-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

I am a XXXX school graduate and my student loans are serviced through navient. I have been in deferment many times for very long periods of time. I have tried to lower monthly payments unsuccessfully. My options are usually higher monthly payments then what i am already paying. There have been times where my loan is past due and instead of a phone call or letter i get an email that says reply yes to enter payments into deferment. That is a quick solution but interest is still acruing.
Consumer complaint received 2018-12-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mandarich Law Group, LLP (OR)

I have overpaid to Mandarich Law Group , LLP ( hereinafter " MLG '' ) for benefit to their client XXXX XXXX XXXX ( " XXXX '' ) {$1000.00}. I have been repeatedly assured by representatives from MLG and from XXXX that the overpayment which was received from my employer in the form of wage garnishments that the companies executed, then failed to stop upon receipt of payment in full, would be or have been returned to me. The most recent response from MLG through the CFPB states that a refund in the amount of {$560.00} was sent to me along with a letter confirming that the judgment was satisfied on XX/XX/2018. As of this date ( XX/XX/2018 ) I have not received any satisfaction letter nor any refunded amounts from either MLG or XXXX. I have contacted 'XXXX XXXX ' at MLG via phone on XX/XX/2018 @ 1XXXX XXXX XXXX and was told that the refunds had not been sent and that the MLG accounting department would be contacted to follow up on the issue. I was also told that the additional {$480.00} which was garnished and sent to MLG from my employer on XX/XX/2018 could not be located and I was asked to follow up with my employers payroll company for assistance in locating the funds. Both MLG and XXXX submitted responses to my CFPB complaint dated XX/XX/2019 that this matter was either resolved or in the process of resolution. As of XX/XX/2018 that is not the case.

I would like both companies to provide proof of every correspondence regarding this matter that has been sent to me as well as copies of the checks that have been received on this account and refund checks that have been allegedly sent to me on XX/XX/2018. As of this complaint, XXXX through it's representative MLG, owes me the total overpayment amount of {$1000.00}.