davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TCF NATIONAL BANK (MN)

XXXX XXXX online credit card payment {$78.00} XXXX XXXX XXXX charge {$37.00} return item fee charged online banking print out shows 3 overdraft fee times {$37.00} each and a return Check fee Total 4 fee 's {$140.00} TCF return {$74.00} of the fee 's still owe {$74.00}. 

The {$78.00} online payment should of been posted and paid on XXXX XXXX not. Enclosed is copy of date and confirmation number. 

Now credit card posted my account a " Return payment {$78.00} and a Past Due fee {$25.00} Making/Resulting in- a NEGATIVE MARK on my credit report Dated XXXX XXXX Enclosed copy statement, TCF XXXX XXXX posted " Backdated credit '' to my account for the online payment $ XXXX This is Not credit in time for me to make *Another* payment BACK to my credit card account along with the Past Due charge- I was then charged for and the Negative {$78.00} payment I had originally made. 

TCF owes me {$78.00} plus {$25.00} past due charge Total {$100.00} NOTE : this is a " Continuance from this Issue/from Complaint # XXXX making this Complaint an- Addition to- of the Further Harm.
Consumer complaint received 2020-06-01
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: KEYCORP (PA)

My credit score disappeared. I contacted all three credit reporting agencies and was told that Key Bank, XXXX Oh has reported me deceased. We have a car loan with them. They are denying making that report. I have filed an appeal with each of the credit reporting agencies and filed a complaint with Key Bank.
Consumer complaint received 2022-02-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc. (MI)

I have New and Updated information about Amcol Systems LLC Amcol is violating my federally protected rights as a consumer. I asked them for an audit trail along with any HIPPA authorization. They sent back statements with personal medical procedures, which is irrelevant to what I asked for. I have the rights to an proper investigation which Amcol has failed to do so in 30 days, the alleged amount of the alleged debt keeps changing. 
They are also in violation of my rights to cease and desist all communication from all Mediums, they are still reporting on my consumer report and contacted me after asked not to do so. 
I also sent an Affidavit and a notice to cure that they have failed to respond to.
Consumer complaint received 2020-06-01
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)

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

XXXX  XXXX XXXX {$97.00} XXXX XXXX {$470.00} SOC SEC ADMIN OFFICE O XXXX {$23000.00}
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2015-05-09
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CREDIT BUREAU OF NAPA COUNTY, INC. (NY)

Chase Receivables left a voicemail on my phone ( which I still have ) threatening that if I did n't call them back by XXXX that day they would lie to the hospital I have the debt with ( for an emergency room visit I had when I became very ill ) and tell them that I had refused to pay the debt. This of course was not true ; I did not refuse to pay the debt, in fact, the only reason this woman at Chase Receivables was calling me was because I had called her three days before to try to arrange payment of the debt. ( They also kept calling me during those three days when I said I did n't want them to ; I told them I would call them again when I was ready to arrange payment of the debt. Obviously they ignored my request. )
Consumer complaint received 2016-11-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

When I first signed up for Bank of America card, they gave me what was called " XXXX XXXX for Students ''. They told me there will be NO monthly fees, NO yearly fees, NO restrictions of how many deposit I should make, and NO HIDDEN FEES, that is what I signed up for. I noticed in past few years that my checking account amount continues to decline, but I never could figured out why. When I noticed my checking account goes into negative outstanding balance, I decided to do investigating and found out that BOA has been deducting hidden monthly fees {$12.00} of what they called " Monthly Maintenance Fee '', which also caused overdrafted because of this monthly maintenance fee which caused my balance goes into negative. I immediately called BOA today, got transferred three times while explaining to three different agents, and finally transferred to higher-up supervisor name " XXXX, in PA XXXX '' XXXX PST on XXXX XXXX, XXXX. She acknowledged that I signed up for XXXX XXXX, she explained it 's no longer exists in BOA, and that after 5 years of XXXX XXXX, it will become " normal account '' due to age or no longer as a student. I told her I never knew about this, I was never notified, and I never opt-in for this new policy from " XXXX into Regular Account '' after five years, I demanded where is my opt-in agreement and she could not provide me XXXX. She acknowledged that I have not opt-in for this new change on my XXXX XXXX XXXX account, she said " the best I can do is give you back three months of {$12.00}, which means you will get back {$36.00} ''. I demanded full refund because I never opt-in for this new change policy, never submitted to monthly maintenance fees. She said her hands are tied, but she 'll submit my report case to much higher up in the Bank of America Corporation. I told her I will file complaint to Consumer Finance Bureau, she said I should do that too as well, because her " hands are tied ''. She repeatedly tells me that the best she can do is give me back three months worth of Monthly Maintenance Fee ( total of merely {$36.00} ). They started deducting this hidden fee since XXXX, I calculated to total of {$490.00} they took me! It 's no wonder why my checking account continues to decline, I demanded full {$490.00} refund, and she said to file CFPB report because there 's nothing else she can do for me. She probably thought I wo n't do it, but I know my rights!
Consumer complaint received 2024-02-15
Product: Credit reporting 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 15 USC 1681. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (CA)

I tried logging into my account during work and could not log in. I called into Navy Federal to see what was going on with my account and why I could not log in. I was advised that my account had been compromised online and that there was a mobile deposit made to my checking account which raised the suspicion of the XXXX Department at Navy Federal. I was told I could not bank with Navy Federal again until the issue is resolved which is against the law since I am truly a victim of identity theft. I can not be denied an account that I did not commit fraud on, which again is against the law. I will be getting my lawyer involved if this issue is not resolved. I have been a member with Navy Federal since 2018 and have never committed any fraud or missed any payments/deposited suspicious funds into my checking account. I highly believe my information may have been hacked somehow. I would like this resolved immediately please.
Consumer complaint received 2024-03-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc. (UT)

I use the crypto.com platform to do some trading. I have {$47.00} in cash left in my account and I do not plan to trade using this service in the future. When I try to withdraw my money, their system refuses to do so because it says that I am under their {$100.00} withdrawal limit. I contacted support and they said I will need to deposit more money to bring my cash total {$100.00} in order to withdraw the {$47.00}. 

They are holding my money hostage and will only release it if I deposit more money into their service,
Consumer complaint received 2021-02-25
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: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Hello and good day I had an disputed account removed from my credit report. From all three credit bureau back on XX/XX/2020. Later that year another company reported on the same account as that I still owned it. I have already contact all three credit bureau as well as the company that is reporting once again on the deleted account. Please refer to the attachments. The original account name was XXXX XXXX # XXXX, now Portfolio Recovery XXXX is reporting. I have reached out to them stating that the account has nothing to with me and that it has been delete off of my report. They once again are charging me for it. I have sent proof and notarized letters stated that it was delete from all three credit bureau as well as sent to Portfolio Recovery Associates. please help me out. I have reach out to XXXX, XXXX, XXXX  and Portfolio Recovery Associates. They are not wanting to help even with the proof that has been provided.Portfolio Recovery Associates have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore Portfolio Recovery Associates have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Attached are the disputes results from all three credit bureaus that the account was remove and what they are doing is illegal
Consumer complaint received 2016-05-04
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ENOVA INTERNATIONAL, INC. (OH)

Have received numerous calls from. XXXX XXXX XXXX but no voicemail as to what they were calling for ... I called the number back and the representative i spoke with was one of the most rudest people I have ever spoke with ... .when he answered I could n't understand bis name..I stated I 'm sorry what was your name..he stated to me very loudly and rudely MY NAME IS XXXX!! WHAT IS YOUR NAME AND WHAT DO YOU WANT!!! I stated that i have received numerous calls from this number and was inquiring as to why they were calling..he repeated my number back and stated that owed cash net XXXX..i told him i needed some verification of this debt..be said that they have sent me out numerous letters..told him I 've never gotten anything..he said..yeah sure..that 's what they all say..he said listen up miss..we have had it with deadbeats like you..my company is going to have you arrested for cashing a bad check with Cash Net ... I told him I do n't intend on paying anything without some validation..he said we have sent you out eveything you need to know..next step is the local authorities will be notified of this. ..and arrest you..I told him..well I 'll be sitting here waiting..thank you. Have a nice day..and i hung up..he immediately called back and gave me a case # and said good luck deadbeat ...
Consumer complaint received 2017-03-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NY)

during my divorced i had to go into bankruptcy -- -- during 5 years in bankruptcy protection -- - XXXX dollar school loan accrued XXXX dollars in interest for a total of XXXX dollars -- is this leagle?
Consumer complaint received 2021-02-25
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)

The bank XXXX XXXX XXXX  XXXX  is reporting a late payment for XXXX & XXXX of 2020 on my credit reports that is violating the law. The Cares Act Section 4021 of the CARES Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) states that account affected by Covid-19 should not be reported late while Covid-19 is going on, and the law is retroactive to XX/XX/2020. The reported late payments should be updated to payed as agreed and the late payment removed from the credit reports based on the law.
Consumer complaint received 2017-09-26
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. (PA)

I bought blinds through XXXX. I paid for service and goods at time it was rendered. I NEVER applied for financing. Somehow, XXXX applied for the financing anyway, refunded my payment, which I did not notice, and financed the blinds through XXXX. The address on the account was incorrect, I had no idea the account existed, and had a 30 days late notice- which has ruined my credit score. As soon as I pieced this all together - I paid in full, which was my intent originally.
Consumer complaint received 2017-02-17
Product: Credit card — 
Issue: Rewards — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo closed my visa credit card due to suspected fraud without my knowledge no emails or phone calls from them they said they sent me a letter but I did n't get it. Because of this they said my rewards points are forfeited. According to them the only way I can get my points back is to apply for a new credit card. Ive been dealing with them since XXXX 2016 I spoke to different departments, cust service, collection, rewards, fraud dept and branch manager in XXXX XXXX. I do n't want a new credit card from them and check my credit again They should not punish and inconvenience me as their customer because I am the victim of fraud. I have an excellent credit rating and XXXX balance in my card it was paid off XXXX 2016 I found out that it was closed XXXX 2016.
Consumer complaint received 2022-02-05
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. (NY)

My name is XXXX XXXX my social security number is XXXX and my year of birth XXXX all the XXXX XXXX credit card sending in XXXX and XXXX and XXXX XXXX XXXX loan account suppose to be removed from my credit report the have a federal trade commissions report on file these items suppose to be deleted or blocked from showing on my credit report
Consumer complaint received 2020-06-01
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. (AR)

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

XXXX  XXXX XXXX {$97.00} XXXX XXXX {$470.00} SOC SEC ADMIN OFFICE XXXX  XXXX {$23000.00}
Consumer complaint received 2020-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

Hello there is a collection on my credit report that I have disputed several times and it will get deleted and then another collection agency would get it its not my account it is with XXXX XXXX I have XXXX XXXX services now. I called them on several occasions to get this account off they have no way of verifying this account is what I was told by XXXX XXXX. They dont even know where the account came from but its a different account then what I have now. They told me to dispute it with the collection agency because once its left their office I have to go through the collection agency so they can verify it with XXXX  XXXX. I was told they have never tried to verify that account with them but they updated my credit report as verified. Called the collection agency several times to dispute this account and they told me they verified my social security number and my address. I asked them for a hard copy or a contract that I signed and they refused to provide it. They said they dont need to have it they verified it was my account by my address and social security number. So they refused to remove it and its not my account.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

THESE INFORMATION IS INCORRECT 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 2022-08-15
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX account, XXXX has violated my rights A HIPAA authorization form gives covered entities permission to use protected health information for purposes other than treatment, payment, or health care operations. Which I did not sign giving permission to have my personal information 15 USC 1681 section 602 8 states I have the right to privacy 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish your account without my written instructions
Consumer complaint received 2016-09-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (IL)

My original complaint # XXXX was sent to you on XXXX/XXXX/16. Thank you for your response today. A lot has happened since then. They have all monies from me owed to them by the date they wanted it. They had my money since XXXX/XXXX/2016. My 1st complaint to you was XXXX/XXXX/2016. They will not apply my money sent to them. It is now XXXX/XXXX/2016. Foreclosure has not been started yet. Since they received my money on time they can not by law do anything but accept my money because Illinois is a judicial state. There are recorded phone calls from customer reps and managers that told me they have the money and on time. The are giving me the run-a-round and not applying the certified checks they received. Every time I call I get a different customer rep with a diferent response. They even hang up on me. I checked with my county courthouse and no papers have been filed with them. I checked all local newspapers in my area and no legal notices have been posted yet. These are legal procedures that mortgage companies or collection agencies have to do if the property is located in the state of Illinois. There are over XXXX bad reviews on the internet for Ditech /Greentree using predatory lending and collection procedures. They need to be stopped. They need to be forced to apply my checks and make my account current.