davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BBVA FINANCIAL CORPORATION (CA)

On XX/XX/XXXX I called the bank and spoke with XXXX operator # XXXX requesting a COVID 19 deferral. I was told by XXXX that my request for payment deferrals was approved and my payments were going to be deferred until XX/XX/XXXX. e.g. No payments would be required from now until XX/XX/XXXX. 

Starting on XX/XX/XXXX I received multiple daily harrassing calls from BBVA stating that I had failed to make my payment for XXXX. I called the bank and let them know that I had been promised a 4 month deferral on XX/XX/XXXX and gave them the name of the operator that had granted that request as well as her operator ID. They confirmed that they could see that I had called in on XX/XX/XXXX but would need to pull the call record to see what they had promised me because they had only deferred my payment by one month rather than the four I had been promised by XXXX. 

So on XX/XX/XXXX I opened a case ( Research Case # XXXX ) requesting the call record from XX/XX/XXXX be pulled and that they verify that I had been indeed promised a four month deferral. The operator that took the case on XX/XX/XXXX was XXXX ( ID XXXX ) and promised I would be notified as to the results of pulling the call record and what the first operator had promised me within 10 business days, which would have been no later than XX/XX/XXXX. 

As of XX/XX/XXXX I have received no response to my request to confirm my call granting me a four month deferral on XX/XX/XXXX. In the meantime I'm still constantly receiving threatening calls and letters stating I'm behind on my payments ... but they're unable to contact me regarding my research request that would resolve everything? 

On XX/XX/XXXX I received another threatening letter from BBVA stating that I was behind on payments. I called in on XX/XX/XXXX and asked the agent what was the result of the research request I had submitted on XX/XX/XXXX and was told that no one had pulled the call record but that I need to make a payment.
Consumer complaint received 2022-10-07
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. (TX)

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 : OFFICE OF THE ATTY GEN # XXXX Account name : SXXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX 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 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 2021-06-09
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. (NY)

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.
Consumer complaint received 2020-09-01
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)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX XX/XX/2020 {$1200.00}
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

I checked my credit to see any an old account from XXXX XXXX that was paid off and should be deleted. I was told once full payment was made, the account would be deleted within 30 days. Its been a few months and its still not deleted.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NH)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I opened a new checking account with Capital One in XX/XX/2021, using a {$400.00} bonus offer if two electronic ACH deposits totaling {$1000.00} were made to the account within 60 days. Both deposits were made in a timely fashion, but Capital One will not pay the bonus because they say the transactions were not " initiated '' from the other financial institution. I was told through multiple conversations with Capital One reps on the phone both in XXXX and in XX/XX/2021, that I qualified for the bonus amount. However, when I did not receive the bonus as promised, I contact them and they are refusing to pay. Their advertising material for the bonus offer does not stipulate the transactions must be initiated from the other institution and is extremely unclear and misleading. I received written notification from Capital One they have denied my request to have them pay the bonus in accordance with the terms of the offer.
Consumer complaint received 2021-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BBVA FINANCIAL CORPORATION (FL)

i am a victim of an organized fraud where {$49000.00} was stolen from me. The thieves opened up accounts with my info to buy property in new jersey but instead never received the property and eventually disappeared. The company worked with XXXX XXXX  who opened up this account with bbva with my info then told me to pay them XXXX for opening the account and that this is coming from them but asked me to pay it on the account she opened. The lady name XXXX who worked for XXXX told me that XXXX XXXX and her work all the time and that i can trust them. now the bank wants this money back but this fund was transferred from the loan they opened to the debit card and paid with that money. i have a police case for this fraud and is disputing all charges to give back the loan money they stole from me. i am attaching the bank declining the dispute and the police report
Consumer complaint received 2022-03-29
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. (CA)

In accordance with the fair credit reporting act. Everything has to be 100 % accurate on my credit report. 

The credit bureau stated my account was properly investigated and accurate, however that is not possible because there are still inaccuracies remaining on my credit report. 
Attached is a copy of my report with the inaccuracies circled in red. 

RE : XXXX XXXX Account : XXXX In accordance with the Fair Credit Reporting act XXXX 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 a account without my written instructions.
Consumer complaint received 2021-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

Somebody hacked my TD Online banking app and tried to use XXXX to transfer {$3000.00} out of my checking account on XX/XX/XXXX. They were able to transfer out XXXX. I called TD Bank and they restricted my account, and customer service told me that somebody in Maryland logged into my account and most likely stole my money. I went to my local branch and they opened new bank accounts for me and said they would investigate the missing {$2000.00}. I had to visit the local bank many times to try to fix this issue and secure my accounts and the people there were not very helpful and did not seem to care much about what happenned to me. I called a few weeks later after not getting any response, and they denied my claim and tried to say that it was me who made the transfers although thats not possible because the person who logged into my online banking according to their records was in Maryland and I was in New York at the time my account was hacked. They refuse to give me back the money and told me that it was not their problem.
Consumer complaint received 2020-09-01
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 — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

Credit Acceptance Corp reported my payment 30 days late in the month of XXXX and XXXX although the payment was paid in XXXX and XXXX. 

This inaccuracy in reporting is damaging the credibility with other lenders. 

Credit Acceptance own internal reporting does not indicate that the payment is late, nor do they assess a late fee for the period in which they insist was delinquent. 

They refuse to fix the issue by contacting the three main credit bureaus to report the error. 

Credit Acceptance is a predatory lender that is taking advantage of individuals attempting to establish or rebuild their credit.
Consumer complaint received 2022-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (CA)

I opened a secured credit card with Discover a few years ago. On XX/XX/2022 they sent me an email that they have mailed a check in the amount of {$1500.00} which was my security deposit. 
I did not receive the check and called them around early XXXX. I was informed that the check takes about a month to be returned. 
I called them again today XX/XX/2022. I was informed that since I did not receive the check they will need to research it and if the check is not cashed then another check will be issued. It will take about a month. 
It seems like it is a routine process and policy they have to use the free money of clients for a period of upwards of two months.

There is should be an inquiry just to check how many customers are being treated this way and how much money Discover is using in this manner
Consumer complaint received 2021-06-09
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. (OH)

I have filed complaints with the bureaus about negative information being reported on my consumer reports. I am a federally protected consumer with rights. I have a filed complaints with the cfpb and even showed documentation. The accounts are still somehow getting verified. I am bringing the laws to back me up this time. According to 15 usc 1692 only I the consumer can validate a debt. The bureaus were not there at the time of any of these alleged transactions. In order for them to verify anything they would need to interview my neighbors or family members which none of that was done to properly assess the alleged debt. Also according to 15 usc 1681b ( a ) ( 2 ) A consumer reporting agency can only furnish a report with my written consent which they do not have.

As a federally protected consumer I also have the right to privacy 15 usc 1681b ( c ) ( 1B ) ( iii ). These alleged transactions are linked to my credit card which means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor or services on credit. ( This is my social security card ) 15 usc 1602 ( i ) Transunion deleted the XXXX  accounts but XXXXXXXX  and XXXX  claimed they're verified that makes no sense, I want this competely and thoroughly investigated.
Consumer complaint received 2020-12-02
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)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

To Whom It May Concern, I am writing to you in regards to fraudulent accounts that have been unlawfully reported on my consumer credit report, which have arisen from identity theft. It has come to my attention that these accounts were reported without proper verification, as required by law. Under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, I demand immediate action to rectify this situation and ensure the accuracy of my credit report. 

I hereby request the deletion of all personally identifiable information from my consumer credit report, with the exception of the following : Full Legal Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, Indiana XXXX I request the removal of all other addresses as I neither receive mail nor have access to any of them. Please update my address to the one provided above for all future correspondence. 

Furthermore, I request the deletion of any phone numbers associated with my credit report, except for ( XXXX ) XXXX, which is my sole contact number. 

For privacy reasons, I demand the removal of my Social Security number and date of birth from being displayed on my credit file. 

Additionally, I request the deletion of all information in the employer section. 

As a federally protected consumer, I am entitled to privacy under the Fair Credit Reporting Act 15 USC 1681 and its subsections. Failure to grant me my rights constitutes a direct violation of this law. 

Please acknowledge receipt of this request promptly and provide confirmation once the requested actions have been taken. I expect a timely resolution to this matter within [ insert time frame according to relevant laws or regulations ]. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2024-03-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Throughout my history with this account, I've consistently made timely payments, avoiding any instances of overdue payments. I'm uncertain about the rationale behind the late payment remarks appearing on my accounts. According to XXXX XXXX XXXX - Billing Error, any discrepancies should be rectified.
Consumer complaint received 2020-12-02
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. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2020-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (WA)

This summer I refinanced my mortgage with XXXX XXXX XXXX. They sold my mortgage and the new servicing company is BSI Financial. On XX/XX/XXXX I got a notice my city treasurer notifying me that my property taxes hadn't been paid on time ( XX/XX/XXXX ) and that a 1 % penalty had been applied. If I still hadn't paid them by XX/XX/XXXX then another 8 % penalty would apply. I tried to contact BSI via phone to see why they had not paid my taxes from the funded escrow account for that purpose but was not able to reach anyone. I then tried sending an email to their customer service trying to find out why they hadn't paid the taxes. With no response I paid the taxes from my own account instead of the escrow account to avoid the large penalty that would apply. It has been a few days now and I still haven't been able to contact anyone at BSI to understand why this even occurred or how to prevent this from occurring again.
Consumer complaint received 2021-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

i all ready file a case with u guys about dis 3 mths ago and i had 3 accts and u said u will update them but u only update 1 and not 3 plz fix are update before we go to court and i sue u
Consumer complaint received 2021-08-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (VA)

I filed an initial complaint to receive debt verification from JCS on XX/XX/2021. A second validation of debt was sent to JCS on XX/XX/2021. Despite these attempts, Jefferson Capital failed to provide legal verification of any alleged debt. Since the requested information was never received, I presume that no proof of the alleged debt exists, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-12-02
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. (CA)

I have made several attempts recently to have the balance updated on 2 charged off accounts ; XXXX Credit Card and XXXX XXXX XXXX. I have sent multiple disputes to all three credit bureaus XXXX, Transunion and XXXX. They have all stated that they investigated and updated my results. I dont believe that they have investigated because they would have found in the investigation that the balance on the charged off accounts with XXXX  card services and XXXX XXXX XXXX should both be listed as {$0.00}. Both of these accounts have been sold to collection agencies. According to fair credit reporting practices, an account sold to a collection agency should not continue to report a balance owed. This is a direct violation of my rights under the FCRA.
Consumer complaint received 2021-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/XXXX, I tried to freeze my credit report. 
I can not freeze my credit claiming that an account already exist. 
I tried to retrieve the account. But was denied.