davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-05
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

I thought this issue was resolved. I cancelled my credit card with Bank of America, but they soon sent me another one ending in XXXX. I did not request it or activate it. Instead I cut it up and discarded it. Yesterday, I got an unsigned letter from Bank of America telling me they reduced my credit rating, issued me a credit line of {$500.00} due to delinquency on an account or payments on an account that were insufficient. The problem here is that I have NO active account with Bank of America. I have none of their credit cards, no loans, no debt whatsoever. I feel I 'm being harassed and punished for NOT activating their unrequested credit card. 
How do I restore my good credit and get Bank of America to leave me alone?
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (MN)

I XXXX noticed unauthorized inquiries on my report, someone applied for something in my name. I am aware that according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed. 

Wells Fargo XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NJ)

I send a letter asking the company for validation of the debt twice and they never answered this is going over 6 months already, they took the debt off my credit report at one point then put it back on adding a XXXX and then they took off the XXXX and just left the reporting debt on my report.
Consumer complaint received 2016-09-19
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Med-1 Solutions, LLC (LA)

This is the XXXX company that has done this. Both were collecting for XXXX. 
I answered the phone, said that I was myself and the caller asked me for my date of birth. She called me. Her caller ID did n't say Med-1, even if it did that 's no guarantee. I have no idea if Med-1 is legitimate, only that I get statements from them purporting to be collecting for XXXX. I get many collection contacts for XXXX, I have no way of knowing if any are legitimate. 
It is completely inappropriate for a debt collector to request my personal information and opens the door for multitudes of phishing scams if it is legal. I suspect this is not allowed but I am not sure. It should be illegal for a bona fide debt collector to request any of my personal information. 

The caller called at approximately XXXX Central time to my Louisiana number. Date XX/XX/2016. She called from XXXX saying they were from MED-1 Solutions. 
Thank you. 
XXXX
Consumer complaint received 2024-03-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BETHPAGE FEDERAL CREDIT UNION (NV)

On XX/XX/year> I sent US {$4100.00} to an account thru XXXX initiated from my XXXX account, where I have sent money to this XXXX account several times. I was since not advised that the Beth Page Federal Credit Union bank account receiving this amount was since closed. I have been given the run around by XXXX and XXXX saying to contact the other to recover the {$4100.00}. Beth Page has also been copied. It's been 3 weeks and no one has bothered to pick up the phone and contact me to resolve this issue. Just yesterday in responding to the XXXX CFPB complaint, XXXX relayed for the first time that BETH PAGE HAS MY FUNDS. Why it took a CFPB filing for XXXX to provide this information is appalling. 

XXXX XXXX contact information, the intended XXXX recipient, is XXXX cell. XXXX 's closed Beth Page Account Number is XXXX.
Consumer complaint received 2017-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I spoke ro XXXX XXXX about loan balance amount and reportung details on my credits. They had someone from a third party to speak to me northland group. The would n't speak to me directly. The respresentative explained that the vehicle in question waa sold after I told capital about my lost of employment and no longer could care for my loan in the status that it stood. They refused to negotiate the loan and I surrender it over. They sold it the reported amiunt doesnt reflect it and anonymous fee are added that should n't be. I need this negatitve remarks and amounts off of my credit report as it is not true.
Consumer complaint received 2015-05-02
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have had a Bank of America Master Card for many years. The payment hasbeen set up on Auto Pay from my XXXX XXXX checking account since thebeginning and there has never been a problem making the payment. 
I noticed this month while going thru lots of mail that the account was past due. 
I contacted B of A on XXXX XXXX, at approx. XXXX ; XXXX XXXX to inquire why it was delinquentwhen I was set up on auto pay? I did make the entire payment in full. Therepresentative could n't explain why the auto pay was discontinued, but offered towaive the late fee. I asked for a letter to explain the account was current. 
She then forwarded me to someone to discuss why the auto pay was disconnected. 
XXXX transfers and an hour and XXXX later, someone named XXXX in the auto payIT area told me that several customers were affected because of a software updateglitch that turned off the auto pays. Not only did B of A know this back in XXXX. 
XX/XX/2015 and reversed the late fees automatically, they never contacted the consumersNow I believe I will have XXXX late payments on the perfect credit report. Icontinually asked for a department that could erase the late pays and was transfer-red over and over to card services to re-explain the situation. I was eventually sentto an automated credit services area, not a real person and no one to address myconcerns. 
I am in the process of buying a home and fear this will damage my credit and ability toto qualify. 
I am also very concerned about all the others who were affected and not notified. 
I have been treated very badly by B of A. Any by the way, they cancelled anotheraccount that had no activity, but blamed it on late payments to my credit report. 
Any assistance that can be provided would be very much appreciated.
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

I am growing so frustrated wi th Macy 's  not correcting wrong information under my credit card account on all of my credit reports. I used to have an account wit h Macy and t he number was #  XXXX . The account is missing many many months of information but in  XXXX  of    2013 it i s displaying a 30 day late and this is not correct and it is terribly damaging to my financial life. I have never been late w ith Macy 's, a nd when I had problems processing a payment it was due to the associates errors and lack of communication fro m Macy 's w ith me. I have always made my payments on time and I already disputed this information nicely and asked that they fix the 30 day late displayed and I was told by a manager that that would be done but it had not in a long time so i filed a complaint on this database. This is actually my second complaint and I was so appalled to see that they had " verified '' the information and put false notes on my credit report claiming that their information was FCRA verified.   THIS IS NOT TRUE! How can they say something is FCRA accurate when they have not provided me with any proof or documentation as to how this late occured, especially after I brought it to their attention that the way and the timeframe as to how the associate handled my payment was confusing. This company is lying to people and refusing to follow the law and they simply do n't want to be wrong, that is how it seems to me.
Consumer complaint received 2017-02-11
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX working in conjunction with XXXX Transunion and XXXX requested my credit file be pulled and reviewed in a 'hard inquiry ' simply because someone got on-line and attempted to use my name, address and date of birth to apply for credit and/or a product or services. 

When contacting XXXX to report fraud, they denied ordering a 'hard inquiry ' yet it does now appear as a 'hard inquiry ' initiated by XXXX with my report being provided by the above XXXX credit reporting agenices. 

My complaint and question is how can any person impersonate someone on-line by applying on-line for credit and large companies like XXXX pulling my credit file before even verifying the party on-line is truly whom they claim to be? 

Should not the companies such as XXXX do more preliminary work beofre being authorized someone 's credit file using a 'hard inquiry '?. Not only does this seem to be a breach of my identity but potentially could have led to further financial calamity on myself and my family. 

So now I am stuck with this hard inquiry that I never asked for and all XXXX reporting agencies are saying there is nothing they can do about it and the inquiry must stay on my credit report. 

My request is that the XXXX reporting agencies be required to remove this unauthorized hard inquiry from my credit file at once. And I also request that XXXX be forced to review their on-line credit application process to prevent further incidents such as this. 

Best regards, XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2017-05-23
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)

I have been sending disputes and supporting documentation to Transunion for almo st two ye ars trying to fix incorrect information on my credit. I 'm filing this complaint because Transunion has had plenty of time to address my concerns but they have ignored my disputes and dismissed them as frivolous. Transunion is reporting that my closed  XXXX   XXXX  auto loan from   XXXX   was past due and is now a paid repossession. This could n't be farther from the truth. I never missed a payment on my  XXXX   XXXX  loan and I paid this account in full years ago. Transunion needs to report that my auto loan has been paid in full and closed. It was never delinquent and there was never a repossession. The account number for the account is :  XXXX
Consumer complaint received 2015-12-15
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CA)

I have a high interest auto loan from Santander Consumer. I had a couple financial issues but have recovered and have been making payments some twice per month to keep current. In the interim, I am also working on fixing credit. When looking over my reports, I noticed a charge off on this very account that I am making payments on, they refuse to take this off my account and say they will not do it even when the entire balance is paid. Is this seriously legal? PLEASE HELP!
Consumer complaint received 2015-09-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC (WA)

On XXXX XXXX, 2015 I changed my mortgage insurance company Fay servicing was faxed the information from my broker on this day. In XXXX Fay servicing said we had no insurance so I had the broker XXXX XXXX Insure All ) re-fax the information to Fay servicing. In XXXX I called Fay servicing to see if everything was in order and the informed me that they had not received the fax any of the times it was sent to them. So I called the insurance company XXXX XXXX underwriting services ) and had them fax directly to Fay servicing the paperwork that shows I have insurance. Fay servicing said that they did not receive it by fax so the insurance company e-mailed me the documents and I e-mailed them to Fay servicing. This has been done XXXX times now and I sent the information by certified mail to them at the address that Fay servicing gave to me. Fay servicing has not recognized my insurance and this is now a problem because if payment to the insurance company is not made by XXXX XXXX, 2015 I will be cancelled. On XXXX XXXX XXXX, 2015 I talked to Fay servicing and spoke with XXXX XXXX, he had me e-mail the PDF directly to him as we talked, he then stated that he received it and was scanning it to send to everyone 's e -mail in the office as he was talking to me. I asked if I should call back tomorrow and he asked if I would give him XXXX hours to get the information to the insurance department and get a response from the so he could correct the issue. He also stated that I talk to no one but him. I gave him his XXXX hours and on XXXX XXXX, 2015 I called him at XXXX at XXXX and XXXX my time and I left a voice message each time. It is XXXX my time today and he has yet to respond to my two messages. This issue needs to be resolved before the XXXX of XXXX.
Consumer complaint received 2016-03-11
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Professional Recovery Consultants, Inc. (NC)

I owe money to XXXX XXXX XXXX for a procedure and have been making payments on time. No minimum payment was ever discussed. I also believe they are billing me too much for the services rendered. My attempts to obtain an itemized list of charges by phone has been unsuccessful. I was told my insurance company refused to cover the medical expenses, however when I call XXXX they tell me the bill was never submitted. My bill has increased in cost despite me making payments with no delinquent payment. I have all receipts as proof of payments. I have received only XXXX phone call from XXXX XXXX asking me to set up an automatic monthly payment. I declined for many reasons. Despite me making payments and talking to XXXX XXXX, my account has been turned over to a third party collection agency. I have sent a certified letter to the collection agency disputing their ability to collect the debt and asking for proof that this is legal according to the original debt agreement. I am no longer able to pay XXXX XXXX directly.
Consumer complaint received 2019-02-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (NY)

I am writing this letter in the hopes that you will help me with this unfair and overwhelming Situation that I find myself in. I believe now that these original credit card balance that it was paid off .I have been paying this XXXX credit card, original account # XXXX since 2008. Almost 10 years later. XXXX still want to keep charging the same amount by Cavalry  is illegal and violated my rights as a consumer & my civil rights. I will list below some of the issues and facts that are the most obvious and reference which laws were violated By them. 1. Predatory credit card Lending :, Treats about ruining my credit report. 1 a. Flipping and charging interest so my balance never go down and still the same over 10 years : The practice of encouraging customers to frequently refinance balances and loans solely for the purpose of earning loan-related fees : 1 loan and balance 2 flipped loans and balance with fees and very high interest rollovers. 1 b. Risky loan terms and structures : The practice of making credit card balances with terms or structures that make it more difficult or impossible for consumers to reduce their indebtedness. XXXX Cycle of Debt : XXXX used illegal debt collection tactics to create a false sense of urgency to lure overdue borrowers into debt traps. XXXX use Cavalry debt collector to claim {$10000.00} They would encourage overdue consumers to temporarily pay off their loans and then quickly re-borrow from them again. Even after conveying to them that I could not afford to repay the balance, XXXX would continue to pressure me into taking on more debt only making me paying minimum balances for 10 years but the balance never goes down. I would pay new fees each time they took out another balance from them. I am sure you will find that XXXX created a false sense of urgency to get delinquent borrowers to take out more balances in the credit card is abusive. Abusive Acts or Practices : Section 1031 ( d ) ( 2 ) ( B ) of the CFPA ifit takes " unreasonable advantage of ... the inability of the consumer to protect the interests of the consumer in selecting or using a consumer financial product or Service. '' 12 U.S.C. 553 l ( d ) ( 2 ) ( B ). XXXX has engaged in unfair, deceptive, and abusive practices in connection with its collection of credit card loans in violation of the Consumer Financial Protection Act of2010 ( CFPA ), 12 U.S.C. 5531 ( a ) and 5536 ( a ) ( l ) ( B ). XXXX want to transfer that to debt collector company Cavalry the amount of {$10000.00}. XXXX balance account a total of {$10000.00} after paying for 10 years minimum of {$150.00} payments, it never went down and I paid back to XXXX around {$18000.00} in 10 years, almost {$10000.00} more! and they want other {$10000.00} more!
Consumer complaint received 2016-10-04
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complete application : necessary documents and " complete '' status are determined by servicer. California Civil Codes 2923.6 ( h ) ; 2924.10 ( b ). 
While no dual tracking protection is due an incomplete borrower submitted RMA application package by Bank of America, there are dual tracking protection due a complete borrower submitted RMA application package. 
Bank of America has represented no complete RMA application package has been received by the borrower and that the borrower has ignored and failed to comply with Bank of America representatives requests for needed or required application documents to enable a loss mitigation review since XX/XX/2012. This is a material misrepresentation known to be false at the time the statement was made and supplied to the borrower. 
According to the Bank of America borrowers Home Loan Modification Status iportal, the My Documents tab page of XX/XX/2012, all documents that make up the RMA application package were received. Additionally, Bank of America has since caused the destruction of these documents and their corresponding entry to the Bank of America borrowers Home Loan Modification Status iportal. 
Any Bank of America representative who has been assigned as the SPOC, charged with the duties and responsibilities of conducting an independent and complete review of the account records, for whatever reason, should have known a complete RMA application package was received on and before XX/XX/2012 and this ( receipt of the complete RMA application package ) prompted the initial review of XX/XX/2012 that lead to the incorrect MHA HAMP denial of XX/XX/2012.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Risecredit, LLC (SC)

Someone used my personal information and opened up a loan with rise credit.I don't know how to use a computer.It was opened online.This company started taking money out of my account.The bank put a stop payment on this company.I am XXXX XXXX XXXX and on a fixed income.This have ruined my credit. My credit score have went down a lot because of this company.I disputed this with XXXX  twice to get no results.I don't know what else to do.
Consumer complaint received 2021-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (NY)

I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2013 with a balance of {$3400.00}.
Consumer complaint received 2017-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I recently contacted  Capital One  on    XXXX   XXXX   XXXX      prior to doing a transaction through a third party website called  XXXX  that does money transfer via  XXXX  services. My first preference was to do a money transfer using my bank since there would be no fee assessed. However, I decided to take a chance with C apital One  using my Credit Card for the transfer. I was n't very optimistic about using a Credit Card for this purpose, however when I spoke with a Capital  One  agent on   XXXX   XXXX  , she assured me that Capital One would not charge any fees including a  Cash advance  fee and the transaction would be treated just like any  XXXX  purchase. I went ahead with the money transfer using my Credit Card only to find that after a couple of days later, there was a  Cash Advan  ce  fee on my list of transactions.   When I called  Capital O  ne a bout this, they had a completely different story to tell. The agent insisted that I would be charged a  Cash advance  fee. I insisted that I speak with his supervisor and the supervisor said the same. Since I believe Capital One records all conversations between Account Holders and agents, I have requested the supervisor to review the recorded conversation from    XXXX   XXXX   . After a few days, another  Supervisor  called me back on    XXXX   XXXX    and told me that she reviewed the recorded conversation and the agent is heard advising me that there would be a 3 % charge. I would however like to dispute this argument and hold  Capital One  liable for providing me false information in the first place and then assessing a fee. I am a Credit Card customer who always pays my dues on time and in full. I had enough money in my bank account to go ahead with this money transfer and would have never used my Credit Card for this transaction if I knew there was a fee. I sincerely hope that I am treated fairly based on my conversation with the  Capital One  agent who told me that a fee would not be assessed on this transaction. Also, the Supervisor I spoke to on   XXXX   XXXX   did not speak to me in a pleasant manner and was borderline rude. I have been a  Capital One c ustomer for several years now and am in total disbelief in the manner they have treated me.