davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/22 two transfers were initiated between my accounts. One for {$150.00} and one for {$1600.00}. Each were transferred from my account ending in XXXX to my account ending in XXXX. 

I did not initiate these, when I contacted the bank, they said it shows my login and that it was done online. After speaking with multiple " fraud '' departments they told me I needed to speak to another specifically for this. After a hold of XXXX hour, an agent picked up. 

I asked it we could find the IP address to identify where this originated, he told me I needed to open a fraud inquiry, I said fine. When he found out that the transfer was between my accounts and did not result in a loss, he said it did not qualify and he could not help me. 

This transfer caused an Overdraft that is causing a Goverment Tax payment to bounce. I have since changed my password, but am concerned as to how this happened and want to get background on the IP address it was performed by. I see no record of it in my audit trail online.

I do not understand why Fraud complaints are so difficult to get the attention of Bank of America
Consumer complaint received 2021-11-17
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

Rocket Mortgage sales rep XXXX cold called my home, told me she already had an old credit report and then asked for birth date and social. I provided birth date and social and then XXXX asked questions regarding my home. I told XXXX, I did not want my credit to be pulled and would rather do this some other time. XXXX stated she already had pulled a new credit report when I gave her my birth date and social. Irritated I asked to speak to her lead representative XXXX, who stated giving a birth date and social is the same as agreeing to a credit inquiry. And, since I did not object to a credit inquiry to be pulled, this is the same as me saying yes.
Consumer complaint received 2017-07-21
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. (TX)

I have tried numerous times to get my credit file corrected. Equifax is taking less than 2 hours to "  investigate '' the inaccuracies. One example is a Chapter XXXX bankruptcy with inaccurate information within it. I received the result of there " investigation '' 1hour and 30 min after submitting the dispute. Equifax has received many disputes this year from me and has a record. I want a copy of what they sent to the creditor and a copy of the responding parties response.
Consumer complaint received 2018-05-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (NY)

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Consumer complaint received 2023-03-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (NY)

I applied for a XXXX XXXX credit card in XXXX. All the information I gave was correct. I never received the card. Citi bank started calling about the account. I got an email from them that said I had an outstanding debt. I called them and spent over an hour explaining I never received the card. The card they had listed had my divorced name which I haven't used in 28 years! I told them this. I was transferred to their fraud dept., then to their security dept. and 2 more departments. Each time I explained I never received the card, the last name they had wasn't my legal name, and if I didn't have a card how could I incur a debt? 
They call me 3-5 times a day everyday to go online, put in my account number, to remedy the debt! I don't have a card, an account number, or the name they have listed. This is harassment and I please want it to stop. Please help me. 

XXXX XXXX XXXX
Consumer complaint received 2019-07-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (AR)

On XX/XX/2017 I went to an urgent care at XXXX XXXX XXXX XXXX, XXXX XXXX, OK XXXX because of a XXXX XXXX XXXX. I paid a fee to see a doctor and specifically said I did not agree to pay outside lab fees. I told them I had a XXXX XXXX XXXX, which I verified by taking a test I bought at a pharmacy for about {$10.00}. I was told by the intake clerk that the test was included and performed in their office. 

I received a bill from XXXX XXXX of Oklahoma invoice date XX/XX/2017 in the amount of {$510.00}. The bill listed two XXXX XXXX XXXX ; XXXX XXXX, XXXX XXXX ; two XXXX XXXX, AXXXX XXXX ; XXXX XXXX  ; and five XXXXXXXX XXXX XXXX XXXX, each as separate charges to total {$510.00}. 

I called XXXX and the urgent care in XXXX. I have a note with the paperwork that says " XXXX XXXX XXXX XXXX '' but don't remember who told me that name. I do remember the medical office person telling me she would call the laboratory and tell them the charge did not belong to me. 

Apparently that never happened. I get annoying phone calls multiple times per day. 

Today I tape recorded a call where I demanded Transworld Systems Inc stop calling my number and send any billing in writing. Four hours later they called me again. They said the bill they were trying to collect is from XXXX XXXX for {$510.00} incurred on XXXX XXXX.
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Hello, I opened my secured credit card account in XXXX of 2022. Ive had returned payments on my credit due to not being able to edit my payment nor having access to capital one atms. My returned payments occurred usually to the fault of choosing the wrong account to pay from. I notified Capital One of this mistake several times hoping they would have a solution such as troubleshooting how to delete external accounts on the app, a stop payment, or editing the payment. No solution that fit was ever offered for this issue. I also was never notified of further adverse action to due return payments. I had the option of transferring funds to the account used but because the timeframe is the same as returning funds, that solution wasnt beneficial. My issue is I was never notified of violating of the terms of the company, nor forewarned that my account would be closing if I make the grave mistake again. My credit report reflects that I pay on time and do not miss payments. Ive taken great efforts raise my credit score and I would not like to see if be affected by being not notified or reminded of conditions and terms of this company. I have no issue with following rules when I am aware of them.
Consumer complaint received 2023-03-28
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: EQUIFAX, INC. (NV)

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA XXXX05B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-10-06
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. (IL)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 2023-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (SC)

A representative contacted me via telephone from National Credit Systems in XX/XX/2022. She stated that I owed XXXX XXXX at XXXX XXXX XXXX {$5300.00}. I responded to her that I never lived at the complex she spoke of and ended the call. I received letters for debt collection in both XX/XX/2022 and XX/XX/2022. In XX/XX/2022, I received a letter from the XXXX XXXX XXXX XXXX XXXX and I responded with a letter dated XX/XX/2022. In said letter, I asked for a copy of the original lease with my signature, payment history with itemized billing. I received another communication from the lawyers office with a itemized account statement only.
Consumer complaint received 2022-12-01
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. (NY)

I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The 2020 CRRG states that any deviation from these standards jeopardizes the integrity of data.

This is a serious issue! The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts.Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX Summary of Inquiries being challenged in list form XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX
Consumer complaint received 2017-07-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Green Trust Cash, LLC (IL)

I took out a {$450.00} installment loan with XXXX XXXX in XX/XX/XXXX. My payment was an ACH payment of {$100.00} every two weeks. I called them up on XX/XX/XXXX to get my balance to pay in full on XX/XX/XXXX. The representative said my payoff will be around {$530.00} on XX/XX/XXXX. This is ridiculous and should be illegal the amount of interest that this company is charging. What Greentrust is doing to consumers is tantamount to a armed robbery!
Consumer complaint received 2022-10-06
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. (TX)

In accordance with Fair Credit Reporting act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX : # XXXX XXXX  : # XXXX XXXX XXXX : # XXXX XXXX XXXXXXXX : # 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 XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : # XXXX 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 reports of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the the information is inaccurate.
Consumer complaint received 2019-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (IL)

I was involved in a civil action against a property management company in XXXX, after being denied the amount that they tried to sue for the company sold a debt to hunterwarfield in my name, no such debt us owed. I was made aware of this when I tried to buy a home in XXXX as my application was denied due to the company reporting that I owe some XXXX dollars. I disputed with credit agencies as well as called hunterwarfield. The person I spoke to told me I had to prove the debt was not legitimate, which is the opposite of the law, however I sent the court records to hunterwarfield as well as the credit agencies. Hunterwarfield replied to the credit agencies claiming that the debt they are reporting is a different debt. Warfield has refused to obey the law, I was forced to change my number after talking to them because I instantly began receiving robocalls calls as well as a man calling claiming that he worked for the government and was trying to serve me a warrant for arrest but that I could pay warfield to quash the warrant. This behavior is uncalled for and illegal, when you add the fact that I do not owe them money it becomes even more appalling. This company has tanked my credit score and is costing me thousands a year while preventing me from buying a home with their illegal behavior.
Consumer complaint received 2019-05-04
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: American Credit Acceptance, LLC (TX)

My name is XXXX XXXX, I recently applied for a car online at XXXX XXXX car dealership located in XXXX, tx. On XX/XX/XXXX I got a phone call that I was approved after sending all my documents need to their employee, XXXX. When I got there I was under the impression I had been approved for an XXXX XXXX but she had set me up with a completely different car. It was can 2011 red XXXX XXXX, but since I was having a hard time getting approved anywhere I went ahead and agreed. XXXX, had also told me told me she to needed 3 more cars to make her monthly sales and it was close to the last day of the month. I wasn't aloud to test drive or look inside the vehicle because they said the mechanic accidentally took the keys home with him. I agreed to a down payment of {$400.00} which I made 4 days later. We completed, signed, and recorded all the paper work needed and I left there with a loaner car that day and had it for about a week before they met me off the highway in XXXX XXXX, Texas. The car low tired pressure light was on as soon as I got in the vehicle. I called the leader that approved me, AMERICAN CREDIT ACCEPTANCE, to figure out how I make payments and they told me they need some more info from me for proof of employment so I sent all the necessary documents and they approved them, they told me to consult with the dealership about anything else. So I got in contact with XXXX and she told me I had to bring the car back on XX/XX/XXXX so I asked if I would get refunded my down payment and she told me yes if I brought it back that day they told me they could cut me a check. When I arrived there was no check and the finance dept had already left that day.Eventhough I had told her earlier when they were that I was coming but I has to drive 50 miles to get there. So we agreed to have it refunded back to the card the payment was made from, 2 days later after taking the car back. It has now been 2 weeks and the {$400.00} has still not been refunded after calling them several times. I have all the paperwork from the signed contract that stated I would a monthly payment of {$260.00} and that was approved. I am a single mom with 2 toddlers that have special needs and lives with my handicapped XXXX year old grandmother and feel like they have taken advantage of me. If someone could please help me get this situation resolved so maybe I can have a way to take care of my children and grandma and make sure they get the help they need as well.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have been sending numerous letters to the Credit Bureaus and yet they have kept ignoring the letters I sent! I am frustrated by this action done by the Credit Bureaus and I am inclined to pursue legal action against the Credit Bureaus. I have read that the Credit Bureaus are required to remove any account and information that resulted due to identity theft under the provisions of the FCRA section 650b. The last letter I sent to the Credit Credit Bureaus was XX/XX/XXXX with complete attachments such as my driver 's license and the ID THEFT REPORT I received from the FTC which are the requirements of the FCRA Section 605b. Despite all my efforts to correct my Credit Report, the Credit Bureaus have grew negligent of their duty to comply with the FCRA regulations and have kept ignoring my letters which is a clear violation of the FCRA statute. I need the following items removed at the earliest possible time : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX FM XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$290.00} XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance Owed : {$690.00} XXXX XXXX XXXXXX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FinCo Services Inc DBA Current (WI)

On XX/XX/XXXX, a bank closed my account due to me transferring money to my business partner. I provided the bank with a list of personal documents to prove that it was me who was committing the action so they wont closed it, but they proceed with closing it even after providing the documents. Originally, when a bank closes an account they send the remaining funds in a check form, but this bank decided to hold my money and requested another document after being provided with a list of others. The document they asked for was provided but was denied because they say it cant be verified even though I used the document the IRS sent to me. I, personally, feel like theyre giving me runarounds about my funds and theyre not doing well with communicating anything. I have 4-5 emails I sent to them in a day and they only respond to one maybe a few hours or even a whole day later. They blocked my number so I can only contact them via phone through 3rd party even with a pending process. They just not being cooperative and seems as if theyre holding my funds for no true reason.
Consumer complaint received 2023-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (TN)

I have previously disputed this company and asked that they send the consumer a LEGAL BINDING CONTRACT that has both legible signatures ( from myself and the company entity stating that there is a contractual agreement between both parties. What the consumer received was anything but. The consumer specifically asks for the entity to produce legalities that the alleged account indeed belongs to the consumer. Yet they have chosen over and over again to send the consumer what they feel is needed, which is UNACCEPTABLE. This game that the company is playing should be pointed out that if they are unable to produce the legality of the alleged account then the account should be REMOVED IMMEDIATELY. THE COMPANY IS CONSISTENTLY VIOLATING LAWS. I will upload the latest letter that was sent to the consumer about the matter.
Consumer complaint received 2018-05-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES (OK)

was to have forbarance in 2016 till i got on my feet but before i knew what happened it was transfered and the reported negative on credit reports it over 14 yrs old and have not been notified to what office its in, to even have a chance to make payment to clear it up,
Consumer complaint received 2021-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TransUnion has the wrong home address on my credit report. I've sent several request to update the information. It has been past 45 days and I have yet to hear back from TransUnion.