davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2020 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-06-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was on vacation in XXXX XXXX. and my bag was left in the car while I went to the beach, during this time I was in the water I was robbed someone entered the vehicle and went in my bag and stole my card information charging {$2200.00} on XX/XX/21, and used my card information the next day on XX/XX/21 for another unauthorized charge of {$800.00}, which during this time I was at the airport hours away. I provided documents that it is not possible for me to make these unauthorized charges and have been denied by Bank of America three times. Bank of America failed to send out an alert on my secured checking account when the first charge of over {$2200.00} was charged to my debit card and they failed to alert me of the second unauthorized charge made on the account, which put the account in a negative balance. I made a police report here in the US and in XXXX XXXX and provided the case number to the bank. Bank of America changes the reason for denial every claim made through there investigations Dept. which they failed to provide any information and sent me a denial letter accusing me of making theses unauthorized charges to my account. I am filing this complaint because Bank of America has an obligation by law to protect customers from fraudulent activity and to protect consumers finances by law and they are refusing to abide by the federal regulations. The time these charges were made I have provided documents that I could not have made these unauthorized transactions.
Consumer complaint received 2023-03-26
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc. (PA)

I have told company many times to quit calling me and have tried to dispute claim becuz I was not only person on the loan so I feel I should not be held responsible for the whole debt I also tried to negotiate the debt down but they would not work with me
Consumer complaint received 2020-07-28
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

To Whom It May Concern, The company involved is Capital One ; City of Industry, CA. 
I have had a credit card w/ Capital One for several years, however, I paid off this account and destroyed my card, and never ordered another one. ( My wife also destroyed her card years ago, & is still paying off a smaller balance on that card ... on time, every month! ) Just about a month ago I received a statement in the mail, claiming I had a previous balance of {$100.00}, and now stating that I owe {$140.00}, as of XX/XX/2020 ; w/ a 'minimum due of {$93.00}!? ' What??? ( Just received this late last week. ) First of all, as I mentioned, I do not even possess a credit card with Capital One, as I destroyed it years ago and never ordered another one! I have made NO purchases through this corporation in YEARS!, and they continue to send me statements that have been showing XXXX balance, up until now!? ( Just another annoying factor! ) I have been unavailable and had my wife call Capital One on Tuesday, XX/XX/2020. ( She called : XXXX ) She immediately asked for a supervisor, spoke w/a man named XXXX, explained the entire situation, and he then transferred her to the 'collections department.??? She then was speaking with a man named XXXX, and once again explained the entire situation. XXXX proceeded to tell my wife that something was charged in XXXX.? Really???, not by me! 
Today, Tuesday, XX/XX/2020, I receive another statement reminding me that my payment is due by XX/XX/XXXX! Payment for WHAT? ( certainly a form of harassment! ) When my wife asked XXXX what the charge was, he rattled it off very quickly.? She then asked him to send a copy of the charges ( the actual statement showing the merchant & purchase ) ... as I've NEVER received a statement showing these 'fraudulent charges! ' He said he could not, that he'd have to talk to me or send it to me? Why doesn't he then??? I live at the same address as my wife!? Another suspicious, odd circumstance. 
Capital One is a horrible, greedy company that preys on it's customers! We've had cards w/ them for quite a few years, & when my wife was very conscientious w/payments, she asked them to work w/us on the interest. They said the COULD NOT! 
They are a crooked, money-hungry company, and we can only hope and pray the truth be known, so they stop harassing and scamming poor, innocent customers!!! 
Thank you for your immediate attention to this matter.
Consumer complaint received 2022-08-17
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: Cascade CISS Holdings, LLC (GA)

From XXXX XXXX to XXXXXXXX XXXX XXXX, I have acquired multiple hard inquiries on my credit report that I did not authorize. Under the fair credit act section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : If you have no written signature from myself, please remove these items.
Consumer complaint received 2021-12-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (TN)

I have sent this company multiple letters asking for them to verify the debt was said I owed I have copies of my certified letters and my tracking numbers of them receiving the letters.They never verified the debt that they said I owed also they are not licensed to practiced in Tennessee multiple credit laws have been broken and also this company have messed up my credit and in the process I want to sue because of the damages tat have been done.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Tally Technologies (GA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX, XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information Tally Technologies LLC is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Tally Technologies LLC the financial institution and the Consumer reporting agencies XXXX XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, XXXX, XXXX or Tally Technologies LLC whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Tally Technologies LLC never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-03-11
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: NEW YORK COMMUNITY BANCORP INC (FL)

On XX/XX/XXXX and XX/XX/XXXX I feel behind on my loan payments and started a accommodation repayment plan to take care of the past due payments due to the COVID-19 global pandemic. This payment arrangement was set up with Flagstar bank who then and currently services my mortgage. Upon completion of these payments arrangement I was informed that my loan would be brought back current and there would be no derogatory remarks on my credit report. My account has been brought back current but the derogatory remarks and late payments still remain. 

This is a clear violation of the " CARES ACT '' that was passed by congress on XXXX XXXX, which was retroactive from XX/XX/XXXX to the end of the global pandemic. 

I have attached a copy both payment modifications and credit reporting of late payments
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc. (RI)

XXXX accordance with the Fair Credit Reporting act Convergent Account # XXXX Carmax auto finance XXXX XXXX XXXX XXXX XXXX XXXX, VA 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 2020-07-28
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. (TX)

I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible. CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} TBOM MILSTNE XXXX {$75.00} FST PREMIER XXXX {$670.00} FST PREMIER XXXX {$1100.00} XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$11000.00}
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (CA)

I am a simple customer who is now unable to access my funds because BBVA USA botched the transfer. Ive been locked out of my account since XXXX  evening without the ability to transfer my funds. I called and all I got was an automated message saying theyre giving technical issues but wont give a estimate on how long well have to wait for a fix.
Consumer complaint received 2020-07-29
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. (AR)

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name
Consumer complaint received 2020-07-28
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: Experian Information Solutions Inc. (FL)

I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently which was highly embarrassing and has negatively impacted my lifestyle.
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to dispute the following information that XXXX XXXX  supplied to Experian, XXXX, and XXXX. I have circled the items I dispute on the attached copy of my credit reports. 

This item credit card account with XXXXXXXX XXXX ending in XXXX is inaccurate because Im NOT 30 days late for the month of XX/XX/2022, when they reported this action on XX/XX/2022. 

Also, Federal Laws ( FCRA ) prohibit your company from reporting any derogatory actions while Im disputing this account with your company. Therefore, I am requesting that XXXXXXXX XXXXXXXX have this item removed/deleted for my credit report with all three bureaus above. 

Enclosed are copies of my credit reports and the disputed correspondence mailed to XXXX XXXX to provide proof that I owe the current amount on this account. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed item as soon as possible.
Consumer complaint received 2020-07-29
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (MI)

These text copies are from Western Union Netspend ( XXXX ). 
1.Welcome to your new Western Union Netspend card ending in XXXX. Your card is now activated. 
2.This confirms the block has been removed from your Western Union Netspend card . You may use it immediately.

3.Your balance is $ XXXXWestern Union Netspend : {$410.00} available after {$260.00} Direct Deposit load from SSI TREAS XXXX on XX/XX/2020 XXXX Reply STOP to stop msgs 4.Western Union Netspend : {$780.00} available after {$780.00} Direct Deposit load from SSI TREAS XXXX on XX/XX/2020 XXXX Reply STOP to stop msgs The complaint is concerning not possessing this card ending XXXX. 
Please help me by blocking withdrawals and any other protection against fraud and scam. 
Thanks again for your advice through this website article. 
Truly yours in expression,
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (VA)

I am writing all three credit reporting agencies directly, without any third-party representation. My email address and telephone numbers are accurate in case any agency such as XXXX, Equifax and XXXX XXXX desire to document my credibility. Accordingly, I am writing to state that I have tried on at least two occasions over the past few months to obtain a copy of my credit report from each respective credit reporting agencies. Please comply with my wishes and mail to me my one free annual copy of each credit report. Thank you for your assistance in this matter. 

XXXX XXXX
Consumer complaint received 2020-07-29
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. (AR)

I WAS TRYING TO GET MY SON A NEW VEHICLE BECAUSE IT BROKE DOWN. MY SALESMAN TOLD ME THAT I WOULD BE ELIGIBLE, BUT WITH A VERY HIGH INTEREST RATE DUE TO CREDIT. I THEN ASKED TO SEE MY REPORT AND REALIZED THERE WERE THINGS ON MY CREDIT I HAVE NEVER SEEN. THESE ITEMS NEED TO BE REMOVED AS SOON AS POSSIBLE.
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am writing all three credit reporting agencies directly, without any third-party representation. My email address and telephone numbers are accurate in case any agency such as XXXX XXXX  and Trans Union desire to document my credibility. Accordingly, I am writing to state that I have tried on at least two occasions over the past few months to obtain a copy of my credit report from each respective credit reporting agencies. Please comply with my wishes and mail to me my one free annual copy of each credit report. Thank you for your assistance in this matter. 

XXXX XXXX
Consumer complaint received 2021-02-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the XXXX and XXXX and Bank of America. The Account Opened is XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$5200.00}. The Account Opened is XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$100.00}. The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$5300.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2021-05-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MoneyLion Inc. (IL)

I recently noticed that numerous ACH transfers have been made from my XXXX  banking account to a Moneylion account in the form of XXXXXXXX XXXX XXXX  Membership, etc even though I have never opened an account with Moneylion nor have I done any business transaction with them. 

I reached out via phone but the Moneylion 's consumer support line does not provide / or makes it extremely difficult for non-customers to reach a support team to report a possible fraud and/or identity theft.

The amount of financial damage is significant and I want Moneylion to not only promptly resolve this issue by closing down this account and reversing the fraudulent transfers, I want an explanation of the company 's practice of opening new accounts without an explicit consent and solicitation from a consumer.
Consumer complaint received 2022-03-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BC SERVICES, INC. (NC)

I received a debt collection notice from BC Services, based in XXXX, CO for a bill that I did not know about or believe that I owed. The letter did not include any notice that I had a right to dispute the debt, or any instructions on how to do so. Luckily, I happened to already know that debt collectors can not charge a bill without providing proof of the debt, and I took action immediately by contacting the company by email and paper mail to request written proof of the debt. I also spoke to a BC Services representative on the phone who told me the company could not provide any information and it was my own responsibility to contact the creditor, the Colorado Department XXXX XXXX directly and figure out what the bill was for- which is not the case. The first " verification '' of debt I received was a simple account statement from the CO XXXX. of XXXX that contained no information about what the bill was for or evidence that I owed the money, which was the specific information I had asked for. Only after writing and emailing four times between XX/XX/XXXX and XX/XX/2022, the last email including a threat of legal action, did I receive a helpful response from BC Services. At that point, my request for proof was finally forwarded by the company to the creditor and I received written documentation of how the debt originated. BC Services did not inform me of my rights from the start, and did not take responsibility for providing real evidence of the debt until threatened with legal action- hardly fair practices.