davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (MD)

Received call from XXXX debt collectors XXXX XXXX XXXX concerning monies owed on a {$220.00} American Express Account. Upon further investigation of credit report, victim with new address of XXXX XXXX XXXX XXXX, MD XXXX. american Express Account opened in XX/XX/2018 and closed in XX/XX/2018.
Consumer complaint received 2022-07-22
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 (AZ)

On XX/XX/XXXX I got a call from Bank of Americas Fraud number. They claimed I had unusual activity and asked if I authorized a payment in Florida and XXXX to a person. I said hi and so they said my account had been compromised they need to lock it. They sent me a confirmation code from boa like they always do to verify it was me. I read them the code and then I was locked from account while on phone and they said it was locked due to fraud and that my money {$2400.00} transferred from XXXX would be returned in a few hours and to call back if it hasnt. I called back and no one at Bank of America says they talked to me it must have been a scam. I immediately filed a claim and waited 10 days and Bank of America denied me my money back saying they dont believe it was fraud. I have now filed a police report and this trying to get my case reopened for my money. Bank of America on average takes 3 hours to reach a human and I dont trust anyone I talk to as it could be another fraud since their number is who called me an already had access to my account. This may be an inside job from an employee as no one will help me there. I thought regulation E helped cover fraud transfers electronically. XX/XX/XXXX my account was hacked and a XXXX  transfer for {$2400.00} took place that Bank of America will not help me and are saying its not fraud
Consumer complaint received 2022-03-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hillcrest Davidson & Associates (FL)

This collection agency sent my a collection debt letter in XXXX. I responded back with a verification debt letter in XXXX. Weeks later, the company report this debt to the credit report. I respond back again with another debt verification. This collection agency still haven't response yet.
Consumer complaint received 2018-05-07
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

USAA closed a brokerage account and mailed me a refund check. The check they sent to me was deposited in my bank account. The check was subsequently returned as 'Refer to Maker '.

XXXX  states the check was indeed returned.

USAA states the check was paid and will not do anything to help me recover these funds.

USAA mailed me a check for {$26.00} and the check was returned unpaid by USAA.
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.XXXX XXXX XXXXXXXX {$15000.00}
Consumer complaint received 2022-06-13
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC1681. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX BANK # XXXX XXXX XXXX XXXX # XXXX ACCOUNT XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602 A. STATES I have the rights to privacy 15 U.S.C SECTION 604 A.SECTION 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-13
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC1681. 

XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX BANK # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX 15 U.S.C 1681 SECTION 602 A. STATES I have the rights to privacy 15 U.S.C SECTION 604 A.SECTION 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-06-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

BANK OF AMERICA - This is not verified. I contacted the furnisher and they have either refused to provide any documentation or they are unable to provide documentation proving the claim or the accuracy. This remains inaccurate, incomplete and not verified. It is REQUIRED to delete this account immediately according to FCRA Sect. 611.
Consumer complaint received 2019-03-27
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: CITIBANK, N.A. (NC)

I have tried XXXX times within this month, XXXX separate disputes with XXXX, to remove an erroneous credit account with XXXXCBNA. I have never had a XXXX account, the woman I spoke to at XXXX   associated this account with " XXXX '' ( I don't know anyone named XXXX ), the account shows opened in 1966 ( I was XXXX at the time ). I have looked at XXXX, the account is not there. The account is not mine, I have no knowledge of it. XXXX will not give me contact information so I can dispute it with XXXXCBNA. Please help.
Consumer complaint received 2018-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I spoke with a manager today, XX/XX/XXXX, regarding a check sent on XX/XX/XXXX in the amount of XXXX, this is a replacement check for a prior check sent on XX/XX/XXXX which has a stop payment on it. A total of 14 overdraft fees charged to my XXXX account plus a returned check fee in the amount of XXXX as a result of the stop payment. The overdraft fees cost XXXX each a total of XXXX plus XXXX, a grand total of XXXX. The manager advised me the check sent on XX/XX/XXXX was cashed by a XXXX XXXX at a XXXX XXXX XXXX, I do not know this person and am not familiar with this bank. I was on vacation at this time, left on XX/XX/XXXX for XXXX XXXX, returned on XX/XX/XXXX. Needless to say, I was not able to receive check or sign in it. The manager further advised me to contact police and that their investigations team can do nothing further as check was already cashed, will not reissue it. The Police are not able to reimburse me for lost check and the other party, XXXX XXXX, is nowhere to be found. I do not have a copy of check to show them, they can do nothing without it. Even so, as I stated prior, they can not reimburse me for lost funds. The total claim with overdraft fee and returned check fees is XXXX. Please advise Capital One I need a check for this amount ASAP
Consumer complaint received 2023-02-15
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)

I am a natural person I am a living human being I have rights under 15 USC 1681 equifax is govern by 15 USC 1681 and they violated my rights numerous of times. I demand the account listed below be remove because according to 15 USC 1681 I have the rights to privacy and I did not give equifax written permission to furnish these account XXXX XXXX XXXX
Consumer complaint received 2019-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (TX)

on XX/XX/2019 via XXXX Credit Card application decision ( denied based on 2 credit reporting agencies : XXXX, XXXX XXXX ). I was able to retrieve my XXXX credit report online without any problems. Since I have never heard of XXXX I faxed info for my credit report to them and have called them numerous times since XX/XX/2019 to see if they received the fax, yet no one answers at any time of the day nor have any of my msgs been returned. XXXX XXXX ( XXXX. XXXX XXXX, XXXX XXXX, CA. XXXX, Fax # XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX, with a physical address online as XXXX XXXX XXXX XXXX, XXXX XXXX, CA. XXXX ). Also when I went online I found numerous people complaining about how they were scammed by this company. I have called them numerous times on XX/XX/2019 as well as on XX/XX/2019 without being able to reach anyone.
Consumer complaint received 2018-05-07
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: Navient Solutions, LLC. (CA)

I can't remember the exact dates, but over the life of my loan I have made payments and paid ahead when I can. This was an effective strategy to keep my payments manageable, until about 3-5 years ago when I noticed that my interests rates just so happened to go up and bring my amount due equal to the amount I was paying to get ahead.

I did my best to catch back up, even through an injury that limited the amount I could work for a time. At that time, I called Navient and expressed my concern, after never seeing my payments fall back, only to be told that they did not set the rates and that the rates were variable and set by the Federal Reserve as was my understanding when I took the loan.

I, now, know this to be an outright lie. On Navient 's website, it now says that the lender sets the rates. When my loan started it was around 5-7 %. It is now nearly doubled to 11.25 %. This is unheard of for student loans and unconscionable.
Consumer complaint received 2022-06-17
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)

According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The accounts below have violated my rights. 

Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under 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 2022-07-22
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX - XXXX l has violated my rights. Under 15 U.S.C 1692 b ( 2 ) ; Under 15 U.S.C 1692 b ( 5 ) and Under 15 U.S.C 1692 c ( a ). Also 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Equifax Credit bureau is currently reporting inaccurate information on my report such as multiple inaccurate names and addresses that are not mine, account status shows Date Opened is inaccurate, Date of Last Activity is inaccurate and missing data. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. Equifax is not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion.

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. '' 1. Please DELETE inaccurate or fraudulent names off my credit report below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. I have been a homeowner for over 20 years. Please remove all incorrect or fraudulent ( X ) addresses off my report, as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate
Consumer complaint received 2022-06-14
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. (TN)

I am writing in reference to XXXX Account # XXXX. XXXX was able to remove this account. What are you showing that proves and keeps you from deleting this debt? If you can not show me then you must follow suit and delete this debt as well.
Consumer complaint received 2018-05-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (AK)

I used to use XXXX XXXX XXXX card. I stopped the card and asked, " Do I have any remaining balance that I can clear right now ''. I was replied " No sir ''. I want to close the account and plz make sure that is closed with " XXXX  balance '' I was replied, " Your account closed with XXXX balance ''. After quite some some, may be more than 6 months, XXXX XXXX XXXX  store in XXXX Alaska closed their store and then I started getting letter from mcmXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA-XXXX, phoneXXXX XXXX XXXX.

The quoted info : Original creditor : XXXX XXXX Original A/C : XXXX   mcm A/c : XXXX Current owner : XXXX XXXX XXXX current balance : {$640.00}
Consumer complaint received 2018-05-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Siwell Inc (RI)

I work at a XXXX XXXX  Rhode Island and this claim is being filed on behalf of a client. We were helping the client sell her property via a short sale. The complaint is against XXXX XXXX XXXX XXXX XXXX. Their phone number is XXXX You only have an option for XXXX XXXX XXXX. We went through the entire process with them and they went through their Mortgage Insurance Company who approved the short sale.

XXXX XXXX XXXX was the servicer. XXXX XXXX  is the Investor. After the MI Company and XXXX XXXX XXXX  were satisfied that our client deserved the short sale they directed me to XXXX, an online portal to work XXXX XXXX Short Sales. I have been working short sales with XXXX XXXX   since XX/XX/XXXX.

After going through the process my contact at XXXX XXXX said the short sale is approved and I could expect an approval letter from XXXX XXXX XXXX   within 5 business days. I was in constant contact with XXXX XXXX XXXX and I kept being told to expect the letter any day. This went on for 40 days. I finally got a call from a supervisor at XXXX XXXX XXXX  who said the MI company changed their mind. I contacted the MI who said they had not changed their mind. I escalated the matter with XXXX XXXX  who could not resolve the situation. Now there is a foreclosure date and our client wants the short sale approval that was promised so she will recover more quickly from this financial nightmare her ex-husband put her in. Any help would be greatly appreciated.

Please contact me for more information.

What would be a fair resolution to this issue?

For XXXX XXXX XXXX XXXX XXXX  to issue the Short Sale Approval as promised.

I want the CFPB to publish this description on consumerfinance.gov
Consumer complaint received 2018-05-07
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Atlanticus Services Corporation (GA)

I originally caught the fraudulent XXXX account in the amount of {$2000.00} on XX/XX/XXXXand immediately called XXXX to report that this account was opened fraudulently under my name. They sent me a Fraudulent Charge Affidavit in the mail which I returned to them via fax on XX/XX/XXXX. I also included my Federal Trade Commission Identity Theft Report. When I hadn't heard from them, I contacted XXXX  again onXX/XX/XXXX. They claimed to have not received my fax, but when I asked them to look again, they found the FTC Identity Theft Report but had lost the Affidavit. They asked me to send it again via email and I did on that same day. I followed back up today, XX/XX/XXXXand was originally told that they did not receive my documents. When I challenged this, the person I spoke with told me that " oh yes, they have the documents, but it would take 60-90 days for the investigation to complete ''.
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: EQUIFAX, INC. (GA)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of deroPlease remove these fraudulent accounts from my report as soon as possible DEPTEDXXXX   XXXX
Consumer complaint received 2018-12-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Klima, Peters & Daly, P.A. (MD)

I owe {$7900.00} to XXXX XXXX. During the year, I made some changes to enable me to pay them. I contacted my credit Union for a home-equity loan. The Credit Union told me that I should first become current on my mortgage. XXXX XXXX company contacted an attorney who filed a lawsuit. The, attorney, Peroutka, Miller, Klima & Peters, P.A., operating out of XXXX, MD is a debt collector. Just prior to filing the suit, I contacted XXXX XXXX and offered he following settlement terms : 1. {$1500.00} to be paid every late XXXX or early XXXX. This would largely come from my tax return 2. Additionally, If during any calendar year, I am able to secure a home-equity loan, I would pay off the full amount. 
3. The debt collector should dismiss the lawsuit, because that would be counter-productive : it would discourage any lending. Additionally, the terms I propose would be more generous than any result of a lawsuit. 

I also contacted a XXXX XXXX Vice President by the name of XXXX XXXX, and reiterated the plan. I believe this Vice President forwarded this letter to the law firm. I also sent a copy to the law firm. 

I did not receive any response. I called the law firm. I spoke to a lady. Among the first words she uttered were outright untruth : that a lawsuit, once filed, can not be discontinued. Next, she mischaracterized my plans as " vague, '' even though they contained an amount certain, a period certain, and a certain start date. 

I asked to be transferred to the attorney. The lady would not so so, but transferred me to their " supervisor, '' one XXXX XXXX. Mr. XXXX implied that he wants a judgment so he could hold such judgment " over [ my ] head, '' and could not explain why the plan I proposed is inferior to any results to be obtained from such judgment. 

As I had done before, I wrote to the same XXXX XXXX Vice President and told him I was going to file this complaint. 

The lady 's statement is false. You can always dismiss a law suit. My plan is not " vague. '' Mr. XXXX 's admission that they were using the lawsuit to hold over my head is improper. Legal actions are used only to resolve legal disputes, not as threats. I also reminded Mr. XXXX that other pronouncements by him were mildly threatening.
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Early Warning Services, LLC (CA)

Today XX/XX/2022, I called to Early Warning Services , LLC in order to get the results of AN INVESTIGATION THAT XXXX BANK OPENED WITH THIS COMPANY. This investigation began on XX/XX/2022, and the result was set to be answered in XX/XX/2022, after one month of investigation. I called today to hear the result of the investigation opened on XX/XX/2022, and the agent XXXX, employee # XXXX told me that Early Warning Services was not going to give me any answer until I receive some envelopes that Early Warning Services sent me some weeks ago, and I returned them to the sender. This company is committing A RETALIATION CRIME against my person because I do not want to receive their UNEXPECTED MAIL. Early Warning Services is VIOLATING MY CIVIL RIGHTS rejecting to provide the answer of an investigation. This investigation is about a hard inquiry posted in my profile in a fraudulent way.
Consumer complaint received 2021-06-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

Assistance requested in receiving BACK MY monetary dollars PAID toward a home mortgage loan, HOWEVER, the monetary dollars PAID were NEVER applied to the mortgage loan [ Wells Fargo descriptive sheet enclosed ]. Monetary dollar amount totals = {>= $1,000,000}. 

PLEASE RETURN MY FUNDS PAID : {$10000.00} ( these funds sit AS a Savings Account initially UNTIL someone just simply CLOSED my account without any warning, whatsoever. Returned to Wells Fargo for the monetary dollars and the account has been fraudulently CLOSED ... CLOSED. 

Respectfully, XXXX XXXX. XXXX XXXX XXXX
Consumer complaint received 2021-06-01
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. (MN)

XXXX  credit cards use TransUnion as their credit reporting agency. In early XXXX of 2021, I paid my credit card balance nearly in full ( close to $ 8k ). TransUnion has begun reporting weekly and in some cases, daily credit status to other services, like XXXX. As of XX/XX/2021, XXXX has not reported my balance decrease to TransUnion, or TransUnion is not reporting balance decreases in an equal manner as they are about balance increases. The result is that my credit score dropped XXXX points when my spouse and I opened a retail credit card for a simliar amount, and simultaneously did not make any effort to keep my score when the balance was paid. I believe this is a predatory credit reporting measure and should not be an acceptable practice.