davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-08
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Riverwalk Financial Corporation (GA)

I purchased a vehicle from XXXX  XXXX  ( financed through XXXX XXXX ), XXXX GA in XX/XX/XXXX. The vehicle was repossessed in XX/XX/XXXX. I was never able to resolve the account, nor did I promise or attempt to at any time. 
In XXXX, I received a phone call from a woman saying that she was a clerk of court and she asked me about the account. The lady only identified herself as a court clerk, and threatened to come take a vehicle that I owned. She described the vehicle and the VIN number. She said that if I did not resolve the account with her, she would take my car. I told her that it was illegal and informed her that the debt had aged out asked her name and which court she was calling from. The woman hung up on me. I called the number back, and no one would answer. I called back the next day and a male answered the phone and said that it was not a court, it was Deville asset management. 

Recently, I have found the account on my credit reports. It is listed under XXXX XXXX, handled by Deville Asset Management. It is showing a payment made in XX/XX/XXXX, which I never made. I called XXXX, which gave me information for Deville Asset Management. When I called them to ask for proof of payment, the company could not provide the information, and put the supervisor on the phone. The supervisor informed me that this company is not Deville Asset management, but a company called XXXX. The supervisor then stated that the account has been resold to a company called XXXX. I have tried several times to reach XXXX, but there is no answer. The phone rings and hangs up. 

The issue is : My state has a 6 year statute of limitations on debt. The account is well over nine years old. The supervisor at velocity informed me that the statute of limitations does not apply and that anybody can come after me, no matter how old the debt. 

One of the companies falsified payment information and dated the payment XX/XX/XXXX, which would re-age the debt and make me liable until XXXX for the debt. I never made another payment on that account, it is showing as a delinquent payment on my credit report, and because I can not prove that I DID NOT make the payment, its still reporting negatively. 

No one is willing to provide proof of payment, and no one is willing to speak to me concerning the matter. I am stuck with the negative mark and none of the junk debt buyers are willing to give me any answers. It almost as if since they could not collect, they re-aged it so that they could quickly sell it as a viable debt.
Consumer complaint received 2021-02-10
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. (FL)

I recently pulled my credit report from XXXX XXXX  and I saw a few hard credit inquiries that on my credit report without my knowledge. On XX/XX/XXXX, I contacted the credit bureaus and they stated that I need an FTC report to back my findings. I did not authorize any of these credit inquires. This is done by Fraud.
Consumer complaint received 2021-12-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc. (TX)

I had XXXX  and incurred medical expense along with some other health issues that also incurred out of pocket expense. Started paying multiple medical bills with the amount that i could monthly afford for all of them. CMRE has been accepting my money and applying it towards my balance. The monthly payment amount wasnt what they preferred me to pay and said it was not enough. They reported to the bureaus that XXXX, XXXX and XXXX that it was a collection, as if i had not been making payments. How is it legal to report that someone isnt paying when they have been? And have it impact a persons credit so negatively? I have receipts of payments i will include. But i will also say the other medical bills i have are happily and understandingly accepting the monthly payment amount that i can afford to pay them. During a pandemic and people struggling to pay bills, it is really horrible how this collection agency is conducting business. They are getting paid and will continue to be paid until the balance is paid off. But its very disturbing how they have no compassion for people who are trying to pay their bills but may not can afford to pay what cmre requires of them.
Consumer complaint received 2020-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (WI)

I received a EIDL loan from the sba 10 days ago in the amount of {$140000.00}. It was deposited into my personal account as I am a XXXX XXXX and am in the process of creating a XXXX  and obtaining a tax   identification number. 

All of the funds in my Navy Federal Credit Union account are being held by the security department and my account is under review. 

When I spoke to the security department all they told me was that a investigator is reviewing my account. 

Gave me no time line for a resolution, wouldn't take any documents I offered and wouldn't transfer me to a supervisor when asked. 

I was approved by the SBA using my ssn number and have no idea why the bank can arbitrarily freeze my account.
Consumer complaint received 2021-12-03
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX XXXX purchase 's and Back of America ) Multiple charges from XXXX XXXX XXXX  occured that had not reflection on me. I spoke with XXXX from XXXX XXXX and the following occurred 1. I made a few purchases but my card on file was being used by an internal employee. 
2. XXXX XXXX XXXX  created fake receipts for real purchases made. This was discover months later,. I had a product that was defective that I went to the manufacturer for replacement which they informed me that the receipt isn't valid. 

Bank of America rejected to even file a claim with out the consideration of the information. From what I was reading that they were required to file the claim. Below you will find a list of some of the purchase. 

Main Points : 1. The Online Order manager was created false invoices to prevent the order from showing on the closing allowing the monies to go in this pocket. How did this effect me? I was unable to get XXXX XXXX replaced,. A monitor, etc 2. If one purchase was made they would manually charge unknown amounts Issue :. The transactions that have been charged without authorization is a fraud claim but bank of America would not accept to for a fraud claim not even a dispute. I have emails from frys that verifies the information I'm providing. Below are only the items Date Friday XX/XX/2020 Store Location XXXX, CA ( Store XXXX ) Invoice Number XXXX Order Number XXXX Invoice Amount {$150.00} Date Thursday XX/XX/2020 Store Location XXXX, CA ( Store XXXX ) Invoice Number XXXX Order Number XXXX Invoice Amount {$130.00} Date Tuesday XX/XX/2020 Store Location XXXX, CA ( Store XXXX ) Invoice Number XXXX Order Number XXXX Invoice Amount {$110.00} Date Friday XX/XX/2020 Store Location XXXX XXXX, CA ( Store XXXX ) Invoice Number XXXX Order Number XXXX Invoice Amount {$87.00}
Consumer complaint received 2021-03-31
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: WELLS FARGO & COMPANY (FL)

I wrecked my car in XXXX of 2019 and believe the auto loan that the bank repossed at my direction may have to do with fraud.., Reason is the letter Wells Fargo mailed me months later that the balance owed was being written off and removed from my credit seems too good to be true ... 

My XXXX  app I later used to improve my credit also had a discrepancy having to do with an auto loan, but nobody replied to my report on the app for resolution of this matter ...
Consumer complaint received 2023-02-24
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: EQUIFAX, INC. (GA)

I am writing to dispute the following addresses. It does not belong to me. I never lived in these addresses and I was contacted by a collection agency regarding the accounts that are associated with these incorrect addresses. I have no knowledge of obtaining any of the inquiries listed here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I received a letter from XXXX  XXXX XXXX earlier this week informing me I am late on paying a {$34.00} charge. I contacted XXXX to learn they never sent me a billing statement in the mail as has been done for 25 years. Also learned they closed my account over {$34.00}. While waiting for XXXX to correct their failure and send me the bill, I checked my credit with all credit reporting agencies. XXXX reported this as a late payment. I engaged in a dispute resolution with each. Experian just contacted me and said they reviewed and closed the dispute. Nothing changed on my credit record. No explanation is given either. I want the late reporting to be removed as XXXX admitted on the phone call they changed my billing to electronic billing. They did this without my knowledge and without my permission. XXXX should not be allowed to report late payment based on their error. Experian should not close a dispute with no action or explanation.
Consumer complaint received 2022-04-28
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX 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 an account without my written instructions
Consumer complaint received 2022-04-28
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. (FL)

Good evening, In accordance with fair credit reporting act XXXX, account # XXXX, XXXX collection services. 
# XXXX, XXXX. XXXX XXXX. 
# XXXX, XXXX XXXX XXXX 

Has violated my rights. 

15 U.S.C 1681 section 602 A. States, that I have right to privacy 15 U.S.C 1681 section 604 A section 2 : states as well that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-05-08
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. (IL)

This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!
Consumer complaint received 2021-05-08
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. (NC)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2024-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was seeking to pay a house contractor for services provided. After logging into my Bank of America account, I tried to make a transaction using XXXX. The amount exceeded the approved limit by {$800.00}. I recreated the transaction within the approved limit and was stepped up to SMS-OTP and successfully verify my identity. The transaction still did not go through and I received a text message to call a certain number to talk to Bank of America. When I called the number, the agent asked questions about my PII, and then asked me to read them back a new SMSOTP passcode. The text message I received specifically said DO NOT share this code. We will NEVER call you or text you for it. Since I do not want to be phished, I did not provide the code. The only option provided was for me to go to a Bank of America branch and provide multiple forms of identity, even though it was after hours on the weekend. 

After 24 hours, the transaction was declined with the stated reason that We werent able to complete your transfer because the recipients email address is no longer registered to receive transfers. I contacted the contractor ( recipient ) and verified this is not true. 

I am now no longer able to login to my Bank of America account, despite having an account for decades. When I tried calling the number provided in the app for support, I was told that it was after hours and they could not help me. 

It is fundamentally unacceptable for a XXXX terribly ineffective and inaccurate fraud program to lock out a longtime customer from their primary checking account because they dont know how to do proper fraud protection. I am currently unable to access my bank account and have no recourse.
Consumer complaint received 2021-09-08
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Cascade Capital, LLC (VA)

I received a summons that I will be in court from Cascade Capital LLC. I had bought a car in XXXX, was XXXX through the government and put on XXXX, and had to give the car back. Now it's XXXX I'm going through a divorce, I '' ve not heard anything about this, Cascade is not on my credit report, the XXXX loan says I owe nothing on my credit, and I am trying to work because Im help paying for a lawyer, and my husband sold my car, so I'm trying to get a car. I've had to quit two jobs already.
Consumer complaint received 2018-02-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I was contacted by someone who knew everything about me. Name address social security number and phone. They frightened me, saying I would be served papers on a collection account ... and be subject to wage garnishment, tax interception, property liens. There is no such thing on my credit report. They sent me a contract to pay via e-mail. It has no physical address. It is very fishy. I'm scared because they know all my vital stats and feel it is probably data from a breach being used to trick me into paying money on a collection issue which has been long since resolved. I can forward you that document to look at. I at least would like professional second set of eyes on it. 

Thank You
Consumer complaint received 2020-09-08
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)

My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. 
The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 
I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 

FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE
Consumer complaint received 2021-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have tried to reach out to XXXX XXXX and Transunion. They have closed my complaint and just made an excuse on why they could not answer my complaint.This is my XXXX  time and the previous time they have said they do not recognize the customer and need authorization which does not make sense if I have provided my drivers license as well the bank statement
Consumer complaint received 2022-04-28
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. (MO)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-05-08
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: KEYCORP (NY)

KeyBank blocked my card and sent me a new one. I didn't receive that and I can't login in my account. Latter I finally logged in and I sow unusual transaction in my account. I called to customer service and blocked my card. I told them it was not me. I sent them email and they till now didn't receive. I called them again and made a dispute for those transaction. Yesterday I received a latter, where they answered, - We are unable to credit your account.
Consumer complaint received 2018-02-27
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: EQUIFAX, INC. (FL)

I recently submitted a dispute to Equifax regarding a XXXX XXXX account ending in XXXX. Instead of removing the since its an older account Equifax updated to report as " Repossession '' This was a chargeoff account that was paid through a collection agency.