davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (KY)

Lvnv bought my debt they had XXXX XXXX XXXX XXXX attempting to collect it. They sent me a letter. I requested a debt validation. They then sued me. I was served by law enforcement 26 days after I recieved the initial letter. I contacted a lawyer and they had my suit dropped. They counter sued Lvnv. Even unable to verify my debt lvnv will not delete the account off my credit. The original letter was dated XXXX It came in the mail XXXX ( per informed delivery/with photo ). My court documents were dated XXXX  My attorney has copies of communications and the outcomes of litigation.
Consumer complaint received 2022-03-05
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: CITIBANK, N.A. (CA)

I have inquires on my report that do not belong to me. 

XXXX. XXXX XXXXl XX/XX/2020 XXXX. CITIBANK XX/XX/2020 XXXX. CITIBANK XX/XX/2020 XXXX. XXXXHD CBNA XX/XX/2020 XXXX. XXXX XXXX XX/XX/2020 THESE ITEMS ARE NOT ME OR ATTEMPTED BY ME AND UNDER FCRA WOULD LIKE THEM REMOVED FROM MY CREDIT REPORT AND UPDATED
Consumer complaint received 2020-02-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On the morning of XX/XX/XXXX I received a text notification from Bank of America asking me to verify three separate transactions for {$50.00} from XXXX network. After replying with a no I called and open a dispute with the fraud department as they still allowed the three {$50.00} charges to go through, even though I replied no as soon as the texts came in. After about a month on XX/XX/XXXX I get a letter from Bank of America saying they are denying my claim because XXXX says they delivered goods to me. I never received any goods and disputed this again which they said could take up to 45 days. Today on XX/XX/XXXX I get a letter in the mail saying they confirmed the information they had with XXXX and denied my claim again. I dont understand how they allow these charges to go through that triggered a text and I replied saying no dont let them go through immediately. I should not be liable for this as I was not grossly negligent in any way and I am not associated to these charges as XXXX states the charges were made overseas.
Consumer complaint received 2022-03-05
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. (DC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX account number XXXX and ACCT XXXX XXXX account number XXXX has violated my rights. 

15 U.S.C. 1681, section 602A states I have the rights to my privacy. 

15 U.S.C. 1681, section 604A section 2 : it also states a consumer reporting agency can not furnished an account without my written instructions.
Consumer complaint received 2022-03-05
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. (DC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX account number XXXX and ACCT XXXX XXXX account number XXXX has violated my rights. 

15 U.S.C. 1681, section 602A states I have the rights to my privacy. 

15 U.S.C. 1681, section 604A section 2 : it also states a consumer reporting agency can not furnished an account without my written instructions.
Consumer complaint received 2018-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

ON XX/XX/2018 PORTFOLIO RECOVERY ASSOCIATES RESPONDED TO CONSUMER FINANCIAL PROTECTION BUREAU CLAIM # XXXX. 

ON THE COLLECTION OF XXXX/XXXX. THEY STATED TO YOUR DEPARTMENT, PER THEIR RESPONCE THAT THEY REQUESTED TO ALL CREDIT BUREAUS THAT THE COLLECTION BE DELETED. HOWEVER THEY HAVE NOW REPORTED THE SAME COLLECTION WITH A DIFFERENT ACCOUNT NUMBER TO XXXX. 

XXXX IS REPORTING THIS DERROGETORRY ACCOUNT UNDER THIS ACCOUNT NUMBER. ( XXXX/XXXX PARTIAL ACCT # XXXX. ) IT IS IMPERATIVE THAT PORTFOLIO RECOVERY ASSOCIATES DELETES THIS NEW ACCOUNT, AS IT IS THE SAME COLLECTION THAT REPORTED TO THE C.F.P.B THAT THE COLLECTION WAS TO BE DELETED. 


PORTFOLIO RECOVERY ASSOCIATED HAS DAMAGED MY CREDIT WORTHYNESS, AND THE C.F.P.B SHOULD PROSECUTE THESE PEOPLE FOR MISLEADING AND PROVIDING FALSE INFORMATION THE A FEDERAL AGENCY.
Consumer complaint received 2022-03-03
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. (MS)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-05-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (WI)

In XX/XX/XXXX I made arrangements with XXXX XXXX to take out XXXX dollars monthly from my account by electronic check until the debt of XXXX was paid off. They were to be 9 checks of XXXX with the last payment of XXXX to be the last paymentmade in XX/XX/XXXX.  There was audio recorded of my conversation with the representative which they have not provided. They have only provided me with the account statement. No proof of the payments that o have made. They said they had only received the first payment and last payment. Below I have provided proof that the checks and money were being taken out my account. Sears has since sold this info to XXXX XXXX XXXX and now they are harassing me.
Consumer complaint received 2018-12-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

OnXX/XX/2018, there were two fraud transactions made in my credit card ( {$850.00} and {$53.00} at two places in the same city ( XXXX XXXX, IL ). I have filed a compliant / fraud dispute to the bank on XX/XX/2018 and they have declined. After multiple follows ups with poor communication from the bank, they have denied after multiple escalations and even with the reports that I submitted after filing a federal theft report. Bank of America handled the entire issue very poorly and did not do any consumer protection or provide me with a proper response. 

Their response was the chip can not be duplicated ( credit card chip ) and hence the transaction is true, even after providing multiple evidences to indicate I did not make this transaction, they have denied with this lame reason and did not take any steps to effectively check the chips in their credit card. 

FTC Compliant # : XXXX
Consumer complaint received 2022-03-04
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Municipal Collections of America Inc. (MO)

Municipal Collections of America called my elderly father multiple times on XX/XX/2022, to try and collect a debt issued by Iowa XXXX 's automated ticketing system. Despite my father 's voicemail clearly identifying himself as him ( and not me ), they continued calling him throughout the day. 
When I called them ( because my father asked me to ), I first wanted to know why they called my father and not me. I never got that far, because when the woman I spoke to informed me that she was recording the call, I informed her that I was also recording the call. She immediately hung up after stating that she did not consent to being recorded. 
Missouri is a one-party consent state and so is Iowa, in regards to recording calls, so I have no idea why she disconnected the call. I have received no direct communication from the debt collector at any point. The only reason I called is because they were harassing my father and he asked me to call them back so they'd leave him alone.
Consumer complaint received 2020-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (IL)

I have reached out multiple times to my local chase in XXXX IL, and they have failed to solve my problem. I recieved my account number from a teller at my local chase on a business card. When I filed my taxes for XXXX on XX/XX/XXXX I provided the account number that chase had provided me. Well I was supposed to receive my direct deposit for my tax return for the amount of {$1100.00} on XX/XX/XXXX. Well XX/XX/XXXX came and no deposit was made when I contacted my local chase to see what the issue was on XXXX XXXX thus my first complaint. it turned out that the teller person had provided me with the incorrect account number. And the account number provided to me by my local chase was somebody else account and my direct deposit went into this other persons account. After reaching out multiple times and going into my local chase in XXXX IL in person chase has refused to reverse that payment back to the IRS or back to my account. Chase has also allowed somebody else to use of my money!!! Chase has refused multiple times to reverse the payment into my account and accept their fault at giving me the wrong account number. And they have allowed another person to use my hard working money that I earned. I have received a letter from the IRS stating that Chase is fully responsible for fixing there mistake. And reversing the payment to my account. This is not right! And I am extremely dissapointed. You are supposed to trust your bank and trust that they take care of your money. And the fact that they have refused and allowed someone else to steal my money is absured. I have filed a police report and this other person wont be so happy to hear that they are being charged with theft for stealing my money. As well as Jp Morgan Chase wont be happy to hear this is my 3rd complaint and nothing has been resolved and it will be posted on the reviews that they have refused to issue my refund back to me.
Consumer complaint received 2018-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (MI)

I have been with PNC bank since XXXX and have used their bill pay system to make reoccurring payments and one time payments. I did a one time payment to my association for {$25.00}. On XX/XX/XXXX I received an e-mail that my account was overdrawn. I had plenty of money to cover it so I called that evening. I was told that on top of my checking account I knew about, there was another checking account and savings account that I never knew about opened when the account I knew about was. There was never any funds or activity in these 'extra ' accounts but PNC sent the check from one of these with no funds. PNC assured me they would remove the fees and close these extra accounts to ensure this would not happen again. The next day my App looked different and I sent the {$25.00} again. The same thing happened! This time I went to the bank and spoke to XXXX XXXX and she said she saw that I called and that and they again would waive the fees and make sure the accounts were closed but it would take a couple of days. She told me to transfer {$25.00} in the 'extra ' account which I did in front of her with my phone. Yesterday I got a call from the bank where I was told they weren't waiving the fees and there was nothing I could do about it!
Consumer complaint received 2022-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I submitted a payment through Chase bill pay through the Chase website to XXXX card to pay my husbands credit card ( my husband is also on the Chase checking account ). The payment was rejected by Chase due to security thinking it was an unusually high amount. This resulted in a financial impact of late fees and interest from XXXX. Chase stated they sent a fraud email XX/XX/XXXX however I have no record of this email. I do have a record of a separate email Chase sent on XX/XX/XXXX confirming a quick deposit but no Fraud email. I called Chase XX/XX/XXXX when I realized that I had paid XXXX and that Chase had rejected the payment ( before XX/XX/XXXX I thought that I had somehow forgot to make the payment even though I marked it paid ). I spoke to 6 representatives on XX/XX/XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX, & XXXX ) and was eventually told that credit 's over {$100.00} could not be made over the phone because there was no bank error ( Chase stated they thought it was fraud and declined it regardless of the direct financial impact it had caused me ). The worst part of this situation is that my husband and I applied for a stand alone HELOC thinking our cards had all been paid. We received a letter from XXXX after they pulled my husbands credit stating 'Proportion of Balance To High Credit on Revolving Accounts ' ( he only uses XXXX XXXX and 'Too Few Accounts Rated Current ' ( we pay all are cards in full ahead of time ). Even if Chase pays the late fee and interest ( to date they have declined any waiver due to the amount ), this in no way compensates us or resolves the issues it has caused with the HELOC application. We used our Chase account in good faith to pay a bill with money available in our Chase checking account through a secure website that we log in to each month. Because a Chase associate decided to reject the payment, it has had a substantial impact to me and my family. Chase has done nothing.
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

The following information was sent XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX via certified mail while providing any documentation, ie DL This has caused hardship on my household. 
My information is constantly on the XXXX web, I'm alerted every week about how a new inquiry for a new account ( credit, car, house ) in my old name and addresses. My name has been different for over a year, and all the other names on my account are either misspellings or haven't been my name for over 20 years.
Consumer complaint received 2023-04-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Citizen 's bank offered a money market account with a specific interest rate if you added a minimum amount of new money to an existing account. This was done and confirmed by the bank but the bank never gave me the new rate and after several conversations of promising to adjust the rate and to also credit me with the over 3 months interest they owe to me.
Consumer complaint received 2022-06-18
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. (MI)

In accordance with the Fair Credit Reportina act XXXX Account #. XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacv 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reportina agency can not furnish a account without mv written instructions
Consumer complaint received 2022-03-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SOUTHWEST FUNDING, LP (TX)

I consulted with a representative of Southwest Funding to refinance my home mortgage. I actually have two loans that were going to be rolled into one large one, in excess of {$500000.00}. Since my income alone was not able to qualify for the refinance, my parents were set up to co-sign for the loan. I was repeatedly told that everything looked good. At the last minute, however, the agent told me that the underwriter was requesting a letter to be written by a financial institution that needed to state something that was not true. The letter was to state that a particular annuity would provide a specific amount of money every month for a certain duration. I explained to the agent that was not how that particular annuity worked, and that all the other sources of income were more than sufficient to cover the amount in question. Though the annuity COULD regularly provide the requested funds, it would be financially unwise to do so, and that promising that it WOULD provide them would be dishonest. He told me that the letter was an absolute requirement, and that I would be free to renege on that promise after the loan went through. I explained that, to my understanding, making a statement that was false for the sole purpose of obtaining a loan constitutes fraud. He then told me that his superiors at Southwest Funding therefore decided to refuse to do business with me. My complaint is that Southwest Funding asked me and my family to commit fraud by misrepresenting our financial situation in order to obtain a loan, and when I refused, they ended the business relationship. I have documentation that supports every aspect of this complaint.
Consumer complaint received 2022-03-04
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: WELLS FARGO & COMPANY (CA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2023-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BOEING EMPLOYEES CREDIT UNION (WA)

On XX/XX/23 I went to bank ATM Terminal # XXXX For BECU At XXXX. Address Is XXXX XXXX XXXX XXXX, XXXX, WA XXXX. I deposited {$800.00} into my checking account. The ATM spit back out {$200.00} but kept {$400.00}, and the {$400.00} was not deposited into my account. The ATM went into a service mode where it had options like " XXXX last XXXX transactions '' " XXXX '' " XXXX XXXX '', but no button was present for deposit anymore. I took my card out, and put it back in, and it stayed in the service mode. I checked my account balance but the {$400.00} was not deposited into it. I called BECU immediately and reported it to someone. He then told me to wait until the money at the ATM was counted for the night, and it should deposit into my account after he puts in the request saying I'm missing {$400.00}. I waited until the next day and called again and spoke to a woman at BECU that told me she can't see if the ATM was over {$400.00} for the night. And that my request was submitted the night before, and I should keep waiting. She also let me know that I should wait until Friday for the funds to be deposited, but still have not seen anything, and feel like I got robbed by my own bank.
Consumer complaint received 2022-06-18
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. (TX)

In accordance with the Fair Credit Reporting act 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 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 2022-06-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

i have a checking account with HSBC. I found my balance was not correct and that happened in between XXXX and XXXX. I called HSBC asking monthl statement for that period. They said the oldest date they can provide for statement is from XX/XX/XXXX. Please help me to get statments from XXXX XXXX from HSBC. 
The account # is XXXX. Thanks
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions.
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Caliber Home Loans, Inc. (NJ)

XXXX and XXXX both have my mortgage with Caliber Home Loan as being delinquent. 

I filed a complaint against Caliber Home Loan back in XXXX. You resolved the issue satisfactory. I refinanced with XXXX. My loan closed end of XXXX. My Caliber loan was closed. 

To my surprise, I checked my credit score and XXXX, XXXX and maybe XXXX now have my account as delinquent. 

I called Caliber and they confirmed I was never delinquent or late.