davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-09
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Had a business credit card with Bank of America and my business went under. Having trouble paying minimum and was being harassed by bank. Finally a BoA collection person convinced me to allow them to withdraw {$100.00} per month from my account each month. Trying to get a statement for over six months now and can not get anyone to help me. Twice I have been told they will Mail a statement, to no avail. I now owe over {$2000.00} more than I did when they started withdrawing and I want to pay it off but can not get anyone to tell me how to do that and what payoff amount is. Who do I contact? BofA tells me it she no longer in their system. The number they gave me - they do n't help me. What can I do?
Consumer complaint received 2016-08-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

Equifax deleted an auto loan from XXXX XXXX XXXX that I paid off in XX/XX/2014 that was previously on my Equifax credit report XXXX/XXXX/14, Ref : Equifax Confirmation # XXXX and now I do n't have a Credit score from Equifax. I need Equifax to Re-Insert my auto loan from XXXX XXXX services back on my credit report. I 'm also a member with XXXX XXXX and was checking my credit report/credit score every week and I had a credit report/Credit score for both Equifax & XXXX. Equifax claims they did n't delete this, my auto loan company must have and I ca n't file a claim because it does n't appear on my credit report. My auto loan company did n't delete this, this auto loan still appears on my XXXX and XXXX credit reports as paid. Please help.
Consumer complaint received 2015-05-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXRe sently i am receive statement from those XXXXCompanyHowever, if when i claim servise with any companyThey also stated i fill for XXXX care and is any insurance present in my accordI think if they is any fraul attack going on my social securityI would of able to file fraul complain
Consumer complaint received 2015-05-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CONTRACT CALLERS INC (MI)

Received a phone call today ( XXXX ) from ( XXXX ) XXXX stating they were calling to collect a debt from XXXX from XX/XX/XXXX. When I asked to verify what was purchased, she stated because the debt was so old, they would n't have that information. She said the company was " contact calling ''. I refused to communicate any further without proof of purchase, as it was almost 20 years ago. Do n't call me again.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) the Equifax shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/19 XXXX {$20000.00}
Consumer complaint received 2022-02-12
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. (RI)

On XXXX I XXXX XXXX the consumer, sent XXXX, EQUIFAX, and XXXX ( The CRAs ) certified mail informing them that Im a victim of identity theft. In that correspondence I made notice that the CRAs have 4 days upon receipt to block all information inside my identity theft report ; pursuant to 15 USC 1681c-2 ( see attached file ). The CRAs are in violation of 15 USC 1681 for failing their grave responsibility of reporting with fairness, accuracy, impartiality, and violating my right to privacy. All of the items inside my identity theft report are unauthorized, unvalidated, And being fictitiously reported. As stated, I am a victim of identity theft and will not be sending any non public information to an elaborate mechanism. I will attach my proof of identity, statement of identity, along with my proof address Via CFPB ( see attached file ). Inside my correspondence I made The CRAs aware of my disapproval of generic responses or E-Oscar. I dont consent to any computer generated responses or correspondence outside of the first person. My FTC report, Proof of Identity, Statement of Identity, Proof of Address, Last 4 of Social, as well as clear specification of the fraudulent accounts, stands as enough identification to prevent stalling tactics and non compliance. This is an Urgent Matter ; the false misleading reporting is hurting my ability to obtain credit. ( For this complaint The CRAs or the Credit Reporting Agencies XXXX XXXX EQUIFAX XXXX & XXXX XXXX
Consumer complaint received 2015-08-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

Dear Sir/Madam, Re : Complaint number XXXX & XXXX & XXXX A letter of complaint that had been forwarded to FTC, who had in turn, sent you for your action. I believed that FTC had forwarded the file, including the XXXX Exhibits. 
If you need more please let me know. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, XXXX XXXXTel : XXXXEmail : XXXXXXXXXXXX. 
Bureau of Consumer ProtectionFederal Trade CommissionXXXX XXXX XXXX XXXX. 
XXXX XXXX XXXXDear Sir/Madam, Re : XXXX Case : Corporate Escalations XXXX XXXX Allegation of False Billings by XXXX, violation of FCC rules, Alleged violation by XXXX Equifax under FCRA & FTC rules, & Alleged violation of FDCP Act & FTC rules by collection agent, XXXX XXXX XXXX XXXX XXXX 

This is a complaint against XXXX, XXXX Equifax, and collection agentXXXX, XXXX XXXX XXXX XXXX, in connection of the above-captioned allegations. In which my rights may have been violated.
Consumer complaint received 2022-09-06
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the write to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furniture an account without my written instructions.
Consumer complaint received 2022-09-06
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. (SC)

Upon checking my credit report, I noticed the following accounts being listed that were not open by me. XXXX ( XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ) please delete the following accounts as they were open fraudulently.
Consumer complaint received 2022-09-04
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: CREDIT ACCEPTANCE CORPORATION (NC)

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 an account without my written instructions.

12 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late on purpose.
Consumer complaint received 2021-11-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mountain Run Solutions, LLC (IL)

XXXX of XXXX I received an alert the company placed a derogatory mark on my XXXX XXXX. I contacted XXXX XXXX. And I requested two validation letters by mail from the company on XX/XX/XXXX, and XX/XX/XXXX. On XXXX XXXX alerted and informed me Mountain Run Solutions removed the invalid debt. 
On XX/XX/XXXX I received an alert Mountain Run Solutions has now placed A Derogatory mark on my XXXX credit report. 
The debt amount on my credit is {$210.00} an they claimed it was opened XX/XX/XXXX. XXXX XXXX. The company has never responded to my letters or sent me any validation documents that I requested from my letters.
Consumer complaint received 2015-05-05
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (OH)

Navient XXXX XXXX XXXX XXXX has been calling me consistently trying to get me to pay a ridiculous amount of money which I am unable to pay. I have wrote them letters telling them to cease all phone calls and only mail communication, request debt validity, and negotiate an offer for payment monthly. They responded they ca n't make negotiations through the mail. I called them in order to negotiate a price that was reasonable based on my income which would be {$100.00}. The guy told me the only amount that he can offer me is {$320.00} per month. I have an income of {$1600.00} a month which I have to pay child support, rent, utilities, food, gas, credit cards, etc. When he calculated all my expenses I was in the negatives. I told him I 'm not going to put my family in jeopardy if I ca n't afford $ 320 monthly payment.
Consumer complaint received 2015-09-22
Product: Credit card — 
Issue: Application processing delay — 
Company: BBVA FINANCIAL CORPORATION (OH)

I applied for a BBVA NBA XXXX XXXX card application on XXXX XXXX, 2015, XXXX XXXX, 2015 and XXXX XXXX, 2015. BBVA requested and received my XXXX Credit file on each date listed. I received XXXX ( XXXX ) letters regarding each application stating that each application was declined due to " unable to verify identifying information ''. I have contacted BBVA repeatedly in an attempt to understand what information the company was unable to verify. Each BBVA representative basically stated the same thing that identity verification failed and wait a few months to reapply again. Unfortunately, no one within BBVA has the ability to inform consumers of what identity failures have occurred. It was recommended to contact XXXX directly to verify my information. I contacted XXXX and verified that all my identifying information listed on my BBVA application matched the information in my XXXX credit file. XXXX actually recommended that I contact BBVA to discuss any identity verification directly with them as my information with XXXX is correct. The information on my BBVA applications were in compliance with with Section 326 of the USA Patriot Act which mandate that financial institutions verify certain information about applicants, including name, legal address, date of birth and Social Security or Tax Identification Number, while processing account application.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX, XXXX, I ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX GEORGIA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Consumer complaint received 2023-03-30
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. (LA)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-03-30
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. (SC)

Hello, I have never received my original contract with my wet signature and I never signed a contract with XXXX XXXX and they have failed to validate the debt. You have violated and compromised my private information according to the Gramm-Leach-Bliley Act. Please send me copies of the original contract with my signature. If you can not find any of the info above immediately remove this account from my credit report. I have attached my license for proof of my identity.
Consumer complaint received 2019-02-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (WI)

CACH LLC, won a default judgment against me in XXXX Circuit Court, XXXX, WI in 2016 while I was residing and working on XXXX. I couldn't afford to fly back to XXXX, WI for court so they won this judgment against me and I never had any account or agreement with this company. I know that they bought a debt from a former Credit Card Company that I couldn't make the payments after I lost my job and the credit card company wrote off the debt. They sold it to CACH LLC for whatever amount. I didn't have any type of agreement with this company and I believe they lied in court to win the judgment and now I found out they sent a letter of Wage Garnishment to my current employer where they are taking 20 % of my wages starting with my next paycheck. I can't afford to live with that much money coming out of my check for a company I never owed anything to begin with. I live paycheck to paycheck and don't want to wind up homeless over this. They are not willing to help me in any way. Please help me.
Consumer complaint received 2017-08-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

i transfer XXXX to XXXX and still my money its not here they have very bad costumer service!! my account was disable for trading so i can not see my money or do anything i have several weeks trying to communicate with them but i keep receiving generics answers from bots!!!
Consumer complaint received 2024-03-07
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (TX)

On XX/XX/ 2024, I opened an account on XXXX  thinking that they would provide me with good returns. On XXXX XXXX website, they claimed to be able to return over 9 % APY for a one-year term saving account ( XXXX XXXX XXXX  ). Once I opened the account, I realized there are lots of people saying that XXXX is nothing but a scam and they ended up getting 0 % APY for the entire year. I requested to cancel the account, but they told me lots of excuses to not let me cancel it. 

Also, in order to earn any potential yield, XXXX  has to activate my " investment '' for the equivalent amount that they deposited. As of XX/XX/2024, 50 days after my account has been opened, the status for the " equivalent investment '' still hasn't been activated. This company is nothing but a scam. They claimed to give people high yield returns, but 100 % of the time they would hold people 's money and give them 0 % APY. 

Please see all the negative reviews here. CFPB needs to take down criminals like this company. It is false advertising and we should not allow companies to blatantly lie to consumers like this. Thank you!
Consumer complaint received 2022-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (NC)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I recently verified my latest credit report and I noticed that this account is reporting fraudulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to open this account without my permission or knowledge. The account TD BANK USA/TARGETCRED XXXX with an alleged Balance : {$2400.00} and Date Opened : XX/XX/2011 was incurred due to fraudulent charges, which according to VISA/ Mastercard Zero Liability policy I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY. This account is trying to collect debt, which wad also listed on my credit report. I have requested several times for verification. This company will not furnish a signed authorization [ or proof of the procedures ], they just furnish a statement, which proves nothing. I asked to validate the numerous listings on my credit file and again all I receive is statements.
Consumer complaint received 2022-02-12
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. (KY)

I have sent several disputes in the past to have the XXXX XXXX of a Bankruptcy ref # XXXX removed from my credit reports due to being inaccurate. I contacted XXXX to dispute the information as well. XXXX removed the information from my consumer report as of XX/XX/2021. XXXX, Equifax and XXXX have failed to remove the inaccurate information even after multiple disputes and despite the furnisher of the information " XXXX '' deleting the bankruptcy ref # XXXX from my consumer report. The latest letter sent to all three bureaus to exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information... ect. Neither XXXX, Equifax, nor XXXX have provided me this information in the 15 day time period allowed and am making this complaint to show abuse, bias, and prejudice by not affording me my rights under the FCRA or deleting the information from my credit report.
Consumer complaint received 2017-02-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (MD)

I am the XXXX of the XXXX of my mother, whom the XXXX Supreme Court of XXXX has determined to be an Incapacitated Person ( XXXX ) under XXXX state law. 

On XX/XX/2015 the XXXX Department of JPMorgan Chase Bank, N.A., sent a letter to the XXXX indicating that they had received a garnishment order and outlining the debtor 's rights. However, Chase did not send a letter to me, despite the fact that ( a ) XXXX is legally incapacitated, ( b ) I am her guardian under law, and ( c ) the address to which Chase sent this letter is not in any way associated with the account that was garnished. 

By sending this letter to the XXXX instead of myself as her guardian and legal account-holder, Chase failed to provide adequate notice of this garnishment and possibly deprived her of her legal rights.
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I opened a checking account as soon as I got my first deposit, they held my funds and stated my account was under review. No other explanation or documentation as to why. In order to receive funds through an ATM, I had to call to get an approval each time but would only allow me to withdraw {$400.00} each time I informed them I would drive to a branch out of town to get my remaining balance. I arrived to the bank only to be informed that they close my account without giving me information as to why and mailed me a check even though in their notes, it says I would be going to a branch to get my funds
Consumer complaint received 2022-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (NC)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I recently verified my latest credit report and I noticed that this account is reporting fraudulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to open this account without my permission or knowledge. The account BARCLAYS BANK DELAWARE XXXX with an alleged Balance : {$2300.00} and Date Opened : XX/XX/2018 was incurred due to fraudulent charges, which according to VISA/ Mastercard Zero Liability policy I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY. This account is trying to collect debt, which wad also listed on my credit report. I have requested several times for verification. This company will not furnish a signed authorization [ or proof of the procedures ], they just furnish a statement, which proves nothing. I asked to validate the numerous listings on my credit file and again all I receive is statements.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

On ( XX/XX/XXXX  ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time 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.