davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-28
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Premier Auto Credit (CA)

XX/XX/XXXX received a text message from a non identified number. Also there was not identification in text as well. Only after I called number attached was I able to find out who it was. Text stated I needed to make a payment by XX/XX/XXXX which is 344 days away. This is the only conclusion because you can not make a pa

yment in the past. Company violated FDCPA Code section 807. They didn't disclose. I have screen shots and am perusing considering all options in regard to this blatant disregard for law. In addition this violation of FDCPA there are additional violations that I am seeking counsel in regard to at this time. I have screen shots that I will provide if necessary confirming this matter. 807. False or misleading representation ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the con
sumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.

According to Section 807 ( 11 ) of the FDCPA, the initial communication between a collector and a consumer must disclose that its from a debt collector attempting to collect a debt and that any information obtained will be used for that purpose.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2018-10-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I have disputed inaccurate items on my credit report dating back to XX/XX/2018. Equifax has repeatedly refused to delete the inaccurate items on my credit report in addition they have yet to send my results of the disputes. The 1st dispute was XX/XX/2018, The 2nd was XX/XX/2018, The 3rd was XX/XX/2018 and the most recent was XX/XX/2018. Every dispute was mailed by certified mail, but yet Equifax hasn't deleted or mailed by results to me. Equifax has gone over the allotted day for a dispute, which is 30 days. they have broken the law mandated by the ( FCRA ).
Consumer complaint received 2019-09-14
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc. (MO)

Purchased a Google Gift card for {$200.00} on XX/XX/2019 from XXXX in XXXX, IN. I inputted code into app and it stated it needed further information. Copy of card, receipt, Utility Bill, Cell phone bill, credit card. That information was submitted against my will, due to that's what they required. A complete invasion into my personal info for a gift card. They have not responded. Yet hold on to my money without any result. Calls to Google, they remain unable to talk about it. This has been happening to hundreds of consumers according to multiple websites, and they fail to resolve an issue they created. I want my {$200.00} in addition to interest.
Consumer complaint received 2021-07-20
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. (TX)

On XX/XX/2021 I received a fraudulent withdrawal in bank account for {$1000.00} from a company called XXXX. Having never heard of this company I immediately contacted my bank and informed them of the charge. The bank informed me that someone had gained access to my bank account number and used it, since this was the second fraudulent charge on my account in just a few weeks they suggested me close the account. They also suggested I contact XXXX while they preformed their investigation. I contacted XXXX and informed them that this was not me and that I had recently had other fraudulent charges on my account as well and would be closing the account per the banks fraud departments instructions. XXXX informed me that they would also be doing an investigation and would contact me as soon as they had completed it. I never heard from XXXX again and the bank refunded my money as well as closed the account. I assumed everything was worked out. 
Yesterday, XX/XX/2021, after looking into my credit report I found that XXXX was still on my credit and was reporting a balance of {$1000.00}, a high credit of {$1000.00} with a {$130.00} passed due amount, a monthly payment of {$96.00}, and that I was 30 days late on payments as of XX/XX/2021. My credit report shows that on TransUnion this loan was opened on XX/XX/2021 as for XXXX and XXXX the loan was opened on XX/XX/2021. 
I immediately contacted XXXX XXXX customer service. I again explained that this was a fraudulent charge which I had previously contacted them about and that the bank account used had been shut down due to fraud. After asking for my information to verify me and to look up my account with them I was told they would have to do an investigation. When I asked what resulted from the previous investigation the gentleman informed me that he did not see a previous investigation. I then asked to have the account information sent to me from when this was set up so I could see it and he then told me that I did not even have an account with them. When I asked how that was possible he said he only had limited information on his end and would need to speak with the back office who handled these situations. I asked for the number to the back office and whomever handled this to which he informed me they do not have a phone. I them proceeded to ask how that was even possible considering it is XXXX and everyone has a phone. I asked him how he contacts them and he said they have a server to which he contacts them. He then said they would contact me after they finished their investigation. I asked how that would be possible without a phone and since I had never received anything before how would I know that they would really get back to me. The gentleman then proceeded to act as if he could no longer hear me even though he would stop talking as I was speaking and then hung up on me.
Consumer complaint received 2021-03-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION (OH)

At the beginning of XXXX, I noted there was a charge for a full {$600.00}. I disputed it not long after since this is not my main bank account, and promptly filed a dispute. More than 10 business days passed, and I asked for a provisional credit since they were taking forever to solve. The dispute was promptly denied with no legitimate reason and seemed as though they denied it due to me asking for a provisional credit because not long after I sent the message, immediate denial and it wasn't even in the review stage. I had them reopen it almost immediately. It has been two months since the original dispute, no response other than " We are working on it '' and no provisional credit, which per guidelines is 10 business days after the dispute is opened. Still no response. 


Also, while the dispute was active. I received two notifications from Simple Bank that two transactions were attempted for the amount of {$17000.00}. I promptly froze my card and notified them. I also asked for the business that attempted the withdrawal and they would ignore the requests since it furthers their agenda of not giving me my money back. This proves my card was fraudulently used, and they are doing nothing to resolve it, nor giving me any information regarding the denied fraudulent transactions.
Consumer complaint received 2019-09-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have two Capital one accounts that were apparently charged off and bought by this company, but they have very similar amounts, and the same account number. I've only ever had one capital one product. The dates are similar too. I am requesting validation of these debts as they do not make sense.
Consumer complaint received 2018-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Mail offer for 0 % 18 months on purchases and balance transfers and {$0.00} balance fee for first 60 days. Received new card with disclosure summary which reflected same as mail offer but when the card was activated CS rep said no!!!!! card terms were 15 months 0 % and 3 % transfer fee! Was transferred to 6 CS reps for total of 2 hrs and last one only offered to waiver 3 % after transfer posted to account which I refused. I WANT THE TERMS OF THE DISCLOSURE SUMMARY THAT CAME WITH THE CARD APPLIED TO THE CARD WITH WRITTEN PROOF before I do any transfer balance! Clearly BANK OF AMERICA is using this tactic. of bait and switch targeting retired people
Consumer complaint received 2021-03-06
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. (FL)

THE ACCOUNT LISTED BELOW IS A FRADULENT ACCOUNT- DOES NOT BELONG TO ME. TRANSUNION & THE CREDITOR/DATA FURNISHER HAVE REPEATEDLY FAILED TO VALIDATE & PROVIDE METHOD OF VERIFICATION AS REQUESTED SEVERAL TIMES. THIS IS A DIRECT VIOLATION OF MY FCRA CONSUMER RIGHTS AND I HEREBY DEMAND FOR THIS INFORMATION TO BE REMOVED FROM MY TRANSUNION CREDIT REPORT DUE TO THE AGENCY 'S INABILITY TO SUBSTANTIATE THEIR CLAIM THAT THE ACCOUNT BELOW BELONGS TO ME : XXXX XXXX |Acct No. XXXX|
Consumer complaint received 2019-09-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have two XXXX XXXX accounts that were apparently charged off and bought by this company, but they have very similar amounts, and the same account number. I've only ever had one XXXX XXXX product. The dates are similar too. I am requesting validation of these debts as they do not make sense.
Consumer complaint received 2022-07-10
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: Avant Holding Company, Inc. (GA)

I was charged for a payment sent to an individual, XXXX in XXXX XXXX . I called to close my account and report the fraud. So far it looks like i will have to pay it unless something is done about it. Something fishy is going on. 

- {$97.00} XXXX XXXX CO
Consumer complaint received 2019-01-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

On XX/XX/19 I deposited {$610.00} via phone deposit into my Bank of America ( BofA ) checking account. The screen stated {$200.00} available for cash and {$410.00} available to cover items posting on XX/XX/19. That was overridden and a hold was placed on {$410.00} until XX/XX/19 which caused two payments to bounce. I spoke with XXXX via telephone support and she told me it was because of my NSF activity that they placed the hold - in other words it was my fault. If I had know they were going to do this I could have driven to my credit union, taken cash out and deposited that at BofA. They constantly push customers to use their online and phone apps so I assumed I was doing the best thing at the time. 
On XX/XX/19 I received notice from XXXX ( my credit union ) that BofA had tendered the check and {$610.00} was deducted from my account ( at XXXX ). So the BofA transaction posted overnight in less than 24 hours. Yesterday, XX/XX/19, I went into the local BofA branch to complain because now I had two returned items and two NSF fees equaling {$70.00}. XXXX XXXX was very helpful and in fact reversed four charges to help right the situation, however the hold was not released on my deposit. I went back to the branch today and spoke with XXXX XXXX who had quite a different tone. He said he could not release the funds. I showed him my XXXX account and how the check had cleared on XX/XX/19 and been paid by XXXX. He seemed disinterested and said there was nothing he could do. I ask whom I could speak with in authority to get something done. Again, he was interested in trying to help me resolve the situation. He continued to tell me to call the 800 number for customer service. I told him that the funds being locked up was going to cause me to bounce more transactions and this amounted to predatory banking. Again, he couldn't have cared less. I said " so there's nothing you're even going to try to do to fix this? '' and he said " no. '' When I asked him his name, his clear English turned to thick XXXX accent so I had to ask him his name several times. Finally I asked him for his business card.
Consumer complaint received 2019-09-17
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Its been more than a month fighting with Bank of America regarding unathorized charges on my account and the treatment of bank of america towards those who are in a weak state while XXXX amd XXXX. It is a fact that those who views when you to use prepaid cards in that position are already in financial distress and it's appalling the Bank of America would take advantage of that and not honoring standard industry minums regarding provisional credit. 

An answer to my prayer complaint filed with the cfpb Bank of America in retaliation denying every single claim I had made in that group
Consumer complaint received 2019-09-17
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. (CA)

HAS BEEN MAILED VIA CERTIFIED MAIL TO XXXX, EQUIFAX, XXXX FRAUD DEPTS : UTILITY BILL, DRIVERS LICENSE, SOCIAL SECURITY CARD, MILITARY ID, FTC ID THEFT REPORTS, EQUIFAX DATA BREACH CLAIM/ VICTIM LETTER, XXXX E-MAIL DATA BREACH VICTIM LETTER, REQUEST TO REINVESTIGATE OR BLOCK FRAUDULENT ACCOUNTS. 
MY IDENTITY HAS BEEN USED FRAUDULENTLY TO OPEN ACCTS, MY EXISTING ACCTS WERE EITHER TAMPERED WITH WITHOUT MY CONSENT OR TRANSACTIONS DONE WITHOUT ME KNOWING BY HACKERS. I AM FED UP OF DEALING WITH THESE CRAS AND THEY DONT NOT REVIEW RECEIVED INFORMATION OR VERIFY NEITHER CONFIRM REINVESTIGATION DOCUMENTS SUBMITTED. THEY ARE NOT IN A POSITION TO BE A REPORTING AGENCY SINCE THEY ARE SIMPLY A MIDDLE AGENT FAVORING THE CREDITORS. I AM A PRIVATE CITIZEN AND NOT A STATE OR FEDERAL ACTOR AND I TAKE MY PRIVACY SERIOUS. CERTIFIED MAIL LETTERS HAVE BEEN MAILED OUT TO ALL THREE CRAS AND EQUIFAX STILL REPORTS INACCURATE FALSE INFORMATION ON A PRIVATE CITIZEN ALSO XXXX REPORTS A FRAUDULENT COLLECTION TOO.
Consumer complaint received 2019-09-17
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: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

HAS BEEN MAILED VIA CERTIFIED MAIL TO XXXX, XXXX, XXXX FRAUD DEPTS : UTILITY BILL, DRIVERS LICENSE, SOCIAL SECURITY CARD, MILITARY ID, FTC ID THEFT REPORTS, XXXX   DATA BREACH CLAIM/ VICTIM LETTER, XXXX E-MAIL DATA BREACH VICTIM LETTER, REQUEST TO REINVESTIGATE OR BLOCK FRAUDULENT ACCOUNTS. 
MY IDENTITY HAS BEEN USED FRAUDULENTLY TO OPEN ACCTS, MY EXISTING ACCTS WERE EITHER TAMPERED WITH WITHOUT MY CONSENT OR TRANSACTIONS DONE WITHOUT ME KNOWING BY HACKERS. I AM FED UP OF DEALING WITH THESE CRAS AND THEY DONT NOT REVIEW RECEIVED INFORMATION OR VERIFY NEITHER CONFIRM REINVESTIGATION DOCUMENTS SUBMITTED. THEY ARE NOT IN A POSITION TO BE A REPORTING AGENCY SINCE THEY ARE SIMPLY A MIDDLE AGENT FAVORING THE CREDITORS. I AM A PRIVATE CITIZEN AND NOT A STATE OR FEDERAL ACTOR AND I TAKE MY PRIVACY SERIOUS. CERTIFIED MAIL LETTERS HAVE BEEN MAILED OUT TO ALL THREE CRAS AND XXXX STILL REPORTS INACCURATE FALSE INFORMATION ON A PRIVATE CITIZEN ALSO XXXX REPORTS A FRAUDULENT COLLECTION TOO.
Consumer complaint received 2019-09-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

Ditech is changing the amount and date I make my mortgage payment. I have to call and email because they also have been placing the entire amount on principal. They no longer allow me to see my payment history on line, as I have been using it for documentation ... it constantly changes. On XX/XX/2019 I made my XX/XX/XXXX payment with an additional {$200.00} to go to principal. Ditech put the entire amount on principal and changed the date I paid it to XX/XX/XXXX and only show my payment with no principal ... this is after I emailed and called 2 times. They have been putting the entire amount each month on principal ... even putting a late charge on me in XX/XX/XXXX ... though I paid it early.They assure me it has been taken off. Now I am unable to even know what they are doing as they dont allow me to see it on line how they keep changing the amounts and dates that I pay ... this cant be legal!!! How can I get them to do their job? How can they change their dates. XXXX # XXXX in the XXXX the last person I talked to said it would be fixed by the end of last week. He also stated that because I paid it on XX/XX/XXXX five days early that Ditech put it on principal because the payments no due until XX/XX/XXXX ... really?! Help! Ditech is constantly screwing up my mortgage! This has to stop!
Consumer complaint received 2018-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (AZ)

I have a Citi / AAdvantage Platinum Select World EliteTM Mastercard issued by Citi Bank. I received a promotional email offering a promotional interest rate of 1.99 % for new purchases until XX/XX/2019 ( attached ). I enrolled in the offer in XXXX. 

My XXXX statement had a balance of {$620.00} which was subject to the standard interest rate equaling {$11.00}. 

I made a payment of {$650.00} by the due date which, according to the Credit Card Act, should have been applied to the balance with the highest interest rate. Upon receipt of the XXXX statement I uncovered that {$560.00} was still being charged at the higher interest rate equaling {$9.00}. Citi had applied my payment to the balance with the lowest interest rate which I believe is against the Credit Card Act.
Consumer complaint received 2018-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On my report via XXXX XXXX XXXX whereas I'm an authorized user the remarks says consumer disputes, reinvestigation in process, please remove remark, I did not dispute this account, XXXX XXXX XXXX, open XX/XX/2001, balance XXXX. Please remove remark.
Consumer complaint received 2020-08-02
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. (MD)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$6200.00}, {$10000.00}, {$16000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, XXXX XXXX, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response o utlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account.
Consumer complaint received 2020-08-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (PA)

applied for a mortgage with Navy Federal Credit Union in or around XX/XX/2020 all required documents were submitted. Loan processor request LETTER OF EXPLAINATION and PAY STUBS which was submitted as well. underwriter response denied loan stating what my DTI were excessively high. 

after receiving denial letter I was confused by their boiler-plate response, see : Attached. 
no details regarding actually reason for denial- my highest debt would be a mortgage with NAVY CREDIT UNION on a owner-occupied duplex.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions.