davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (FL)

Hello. I was in XXXX Florida. To visit my daughter when I came back my account was empty. Someone hacked my XXXX XXXX and pulled money straight outta of navy federal to XXXX XXXX people.I provided all the evidence I could. I need my money back Im in a very desperate situation my birthday is next week baby federal just denied my claim
Consumer complaint received 2019-02-26
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: BTH Management (TX)

I took a payday loan three of four times and was paid in full ... after the fourth payday loan the amount and fee was high. I Asked if this will help my credit score because i had payed good four times and they advise they dont report to credit berues agencies so since i was on the forth loan with a high amount or because they traped me to get the loan i asked '' so if i cant payed it they wont report me '' ... cause it is not fair if i pay they will not report it but if i dont pay for it why reported if they dont report when the accounts are payed ... i think is unfair..named is XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX ... .. XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX ) XXXX and this is who reported me without authorization from me or not knowing i already payed four paydayloan ... .s and want to report them ...
Consumer complaint received 2017-05-01
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On  XXXX / XXXX / XXXX , The bank withdrew funds from a savings account account owned by my husband and I. The withdrawal, which totaled  XXXX , took a total  XXXX  from our account and made the account negative in the amount of  XXXX .     This withdrawal stems from an event where my husbands brother, who is on   XXXX   XXXX   due to   XXXX   XXXX  , deposited a check for another person, into my brother-in-law 's checking account for  XXXX  on  XXXX / XXXX / XXXX  and then withdrew those funds a few days later, after the check cleared and paid the funds to the person who he thought was legally entitled to the funds.     The bank subsequently debited my brother-in-laws account for the funds paid out because they claimed the check appeared to be forged.     When contacted about the debit placed on my husband and my account, the bank stated that they did so due to my husband being an additional signatory on his brother 's account.     My husband 's only dealing with his brother 's account was to deposit funds to the account after cashing his brother 's  XXXX  check and paying his brother 's bills. My husband told the bank representative that opened his brother 's account, that his association was to be limited to only adding funds to the account.     The check that was deposited into my brother in-law 's account was issued by  XXXX   XXXX  and made payable to an individual and a law firm. The back of the check is signed by someone that appears to   be one of the payees and my brother in-law, there is no endorsement by the law firm.
It is quite obvious that the bank failed to properly process the check that was deposited into my brother in-law 's account, making it a   third party check that was not properly endorsed. No funds should have ever been paid out, especially on a check that large.
Consumer complaint received 2016-10-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NJ)

I have been disputing an item that equifax is inaccurately reporting. It is a public record that they are reporting. It states a NJ tax lein in the amount of {$11000.00}. NJ State Superior Court, XXXX XXXX XXXX, XXXX NJ XXXX, XXXX. I have never had a tax lein. In fact i received a nj tax refund this year. I called equifax and they said they verified that it is correct. Which is incorrect because i called NJ State Superior Court at XXXX and Equifax has never called to verify this information. Nor do they have any such record of a tax lein against me on record. I have been disputing this in accurate reporting since XX/XX/2016.
Consumer complaint received 2017-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

On or about  XXXX   XXXX ,   XXXX  , I contacted the bank and credit bureaus about the wrong account number and information being reported on my credit file. All parties decided not to remove the information. My dispute is that I do not or did not have mortgage account number with the bank under the account number being reported on my credit file.
Consumer complaint received 2016-05-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion refused to block the fraudulent accounts that are on my credit report. 

Every account that was taken off of my credit report was reinserted back on to my credit file with Transunion. I wrote Transunion and sent them a copy of the police report and they still refused to remove the accounts that were fraudulent on my credit report.
Consumer complaint received 2015-07-03
Product: Credit card — 
Issue: Other — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

i have received a phone call from a company called XXXX- they are located in California- the woman who i spoke with was XXXX -- she stated the call was for an old HSBC credit card. the card was around XXXX her attorney fees were XXXX -- they are going to file judgement agaisnt me in the state of CA, put a lien on my vehicle, and garnish 25 % of my wages. i was very concerned and asked a lot of questions i dont remember having the card- she said was from XXXX when i asked for more information she got upset and hung up on me. i called again today to get more information she said creditors can garnish wages if i dont pay my bills -- she mentioned other debts that i had and said i dont pay my bills -- she said i was wasting her time. when i called back again to get more information on the " garnishment '' she said they were going to do what they have to and she was not going to deal with me. she hung up on me more several times after i just tried to get a mailing address and more information about her and the company she was calling from. i think they may have blocked my number after a few attempts. i asked to speak to supervisor they either hung up on me or transferred me to a voicemail. when i called back to get the name of the supervisor they just transferred me back to a voicemail which doesnt have a name just an extension.
Consumer complaint received 2016-08-29
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: LTD Financial Services, L.P. (GA)

On XXXX XXXX XXXX, I received a letter from LTD, stating " Thank you for your payment arrangement. '' Neither XXXX nor I had made any payment arrangement with this collection agency. We called XXXX XXXX at XXXX and denied such arrangement. She passed the phone call to a XXXX XXXX XXXX agent. We informed both the XXXX XXXX XXXX and LTD that we did not have a XXXX XXXX XXXX card, neither did we ever give permission for this collection agent to enter our account. LTD has removed from my bank account from XX/XX/XXXX-XX/XX/XXXX at least $ {$1800.00}. Although in my XXXX years I had not applied for my Annual Credit Report, I did immediately. It was then that I discovered that someone had maxed out XXXX credit cards beginning in XXXX. I applied through the Federal Gov. Identity Thief to take steps to remove all these fraudulent cards from my credit. I have an official XXXX County Police Report. I have also submitted a report through you of a complaint with the XXXX XXXX XXXX ( # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. Since I was unable to submit the actions of XXXX XXXX XXXX 's relative to the collection agency LTD I am submitting a second request. Although XXXX XXXX XXXX has withdrawn itself from my credit reports, XXXX XXXX XXXX has ignored my requests for my financial repayment. I have sent numerous letters, with identification, including official police reports. This has been very XXXX -- including XXXX XXXX. I thought I had excellent credit only to find out someone had stolen my identity.
Consumer complaint received 2017-02-13
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (NY)

There was an incident with CitiMortgage ( see CFPB Complaint # XXXX ) that caused inadvertent negative credit reporting which CitiMortgage has since agreed to remove. However, as a result CitiBank who backs my Home Depot credit card reviewed my credit worthiness during the time frame in which the negative error reporting was taking place immediately reduced my credit limit to the balance of the credit card itself which makes it appear as though I now have a maxed out credit card which also reduces my credit score even further. I have maintained excellent credit worthiness throughout my life until this incident happened and I think I have been a valuable customer to Home Depot and Citibank. Also, during this time I had a cell phone stolen with my account personal checking and savings accounts inside. As a result, my bank had to temporarily block all credit and debits on my account until the issues were resolved which they were.
Consumer complaint received 2015-09-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Pacific Union Financial, LLC (TX)

My mortgage company increased my monthly amount from {$860.00} to {$1100.00} for the next 12 months. I was told by them that my property tax and home insurance increased and they paid the increase in my behalf for a year. I asked why was n't I notified when this increase first happen.i informed pacific financial union that I did not receive a phone call or letter until they increased my monthly mortgage.
Consumer complaint received 2016-02-16
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION (FL)

BBT once again is overcharging my escrows account by almost {$1000.00}. I have been dealing with this issue since XXXX 2015 and they are still messing this up. I DO NOT WANT TO OVERPAY AND I SHOULD N'T.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

Experian failed to block and remove fraudulently furnished information from identity theft with XXXX XXXX XXXX XXXX. I did not consent to disclosure of my nonpublic information to any non affiliated third party. The consumer reporting agency failed to conduct a reasonable investigation into this matter. As a result of their negligence, this has caused restraint of trade of commerce. I have reasonable cause to believe I have been extorted and the fraudulent furnishing of this alleged debt was meant to cause me duress by ruining my consumer reputation. I revoke any alleged contract or agreement, whether implied or complicit that I may have been induced into due to undue influence.

TILA, GLBA, FDCPA, False Claims Act, Sherman Antitrust Act, Clayton Antitrust Act, Robinson-Patman, Fair Trade Commission Act, and the RICO Act.
Consumer complaint received 2015-10-01
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

A few months ago I signed up with Transunion for what was represented as service for credit monitoring and credit score tracking. It was promoted as costing {$1.00}. Subsequently I learned that there was a monthly charge of {$17.00}. I became aware of the charge in the last two months but it has been billed to my card for the last 5 months, according to TransUnion. On XXXX XXXX, 2015, I called and cancelled the service. When I was waiting to speak with a supervisor about getting a refund on charges billed, Transunion ended the call. 
I believe TransUnion is engaging in an unfair, deceptive, and possibly abusive practice. I do not recall seeing any disclosures about the monthly charge. I would not have signed up if I understood there were any charges besides the {$1.00} fee - even after a trial period. I am asking for the CFPB to help get my money back and to get Transunion to stop this practice.
Consumer complaint received 2022-02-14
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: Self Financial Inc. (VA)

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for XXXX made pursuant to the above-named XXXX and XXXX. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action XXXX constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following XXXX, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2015-05-07
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (CT)

I leased a vehicle from XXXX XXXX of XXXX, CT in the first week of XXXX 2015. They bought me out of my old lease [ an early termination ] and wrapped that {$1700.00} charge into my financing. As of XX/XX/2015 they literally just sent the check yesterday to Ally Bank. I have made a complaint with the Connecticut Dept.. of Banking because Ally is treating this debt as a total loss & damaging my credit report as a result. Ally sold the car and got alot of money for it and the total bill is less than [ by about {$100.00} ] what XXXX sen to them. This issue exists despite the fact that I sent certified letters to them -- one as early as two weeks ago -- with an email I received from XXXX XXXX that a check had been sent to them. There is a standing derogatory on my credit report now as a result of this situation and I am attempting to confirm with Ally via their managerial division for " total losses '' at voice number XXXX that this derogatory will be removed because Ally notified me yesterday that they had received the money.
Consumer complaint received 2024-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I reached out the XXXX on XX/XX/XXXX and provided my information they stated they didnt have an account with my information. I requested them to remove the inquiry they advised me to contact the credit bureau. I then reached out to XXXX and they had no knowledge of an account with my information as well. Please remove the inquiries listed XX/XX/XXXX and XX/XX/XXXX from XXXX also XXXX on XX/XX/XXXX
Consumer complaint received 2022-02-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (FL)

For the past XXXX  years I have been getting call throughout the day from a XXXX XXXX XXXX debt collection firm. We do not have any debts whatsoever and feel this has gone past the level of harassment allowed by law. I wish to take legal action and file a suit against this firm for harassment and engaging in abusive, deceptive, or unfair behavior as we have told them time after time ( at the beginning of the calls ) we are not who they are calling about but continue to get calls all the way up to XXXX pm at times. Please let me know who I need to contact to seek legal action and seek damages. Thanks you!
Consumer complaint received 2016-02-09
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am going through a hardship financially and the Bank of America credit card collections people call me almost everyday and twice a day almost every other day. I have explained to them that I will make the payments I can but they insist on me paying a small amount every couple days and said they will keep calling until the payments are made. I have put the main number, XXXX, on an auto reject list so I do n't have to talk with them while I am at work. I am also getting interest added and a late fee to my balance every month, so that is pushing me back farther. Right now, any payments I make are just for the interest and late fees and they wont send me to collections because they want to keep charging me interest, even though I am 3 payments behind already and my account has been involuntarily closed.
Consumer complaint received 2020-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

This complaint pertains to two credit cards at Capital One, and also an unlawful action involving Capital One accessing another person 's credit reports on XX/XX/XXXX. Capital One did not have a permissable purpose to access XXXX XXXX 's credit. 

Each Capital One representative acknowledged that XXXX XXXX is not financially responsible for this balance each time the account holder ( XXXX XXXX XXXX ) called. Both of these facts provide evidence that Capital One acted unlawfully when pulling XXXX XXXX 's credit on XX/XX/XXXX. 

In addition to running XXXX ' credit unlawfully, Capital One has demonstrated an unwillingness to accommodate the XXXX XXXX XXXX as the account holder since XXXX after XXXX 's attempts to close both accounts in good standing. Examples include : 1. Not merging the XXXX account with the XXXX after both accounts were paid off XXXX ... ... AND proof that Capital One had this ability in prior years 2. Not lowering the exorbitant interest rate on both accounts after both accounts were paid off XXXX ... ..AND proof that Capital One had this ability in prior years 3. Not assigning both accounts to the current third party debt collector, preventing the XXXX account from matching the XXXX settlement offer of 30 % from the debt collector 4. Previous attempts to contact Executive Customer  Service in XXXX and XXXX, only to receive canned statements about new processes offering no equitable or acceptable solution 5. Attempting to settle these debts with Capital One 's recovery department, only to learn they are not authorized to discuss all of our terms These cumulative events by Capital One are unacceptable and the XXXX is now responding in kind by filing this complaint. Both accounts are approaching the 4 year delinquency mark on all credit bureaus. Capital One has the ability to report these accounts to the credit bureaus as deemed necessary. Furthermore, Capital One also has the ability to edit, change, or delete both accounts as the information furnisher. 

We ( XXXX and XXXX ) are asking your agency to contact XXXX at XXXX or XXXX to discuss the your role in helping to resolve this matter equitably and expediantly. She's been trying to qualify for a mortgage for the month. 

Thank You
Consumer complaint received 2017-05-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I sent in a dispute on an entry on my  XXXX  and Transunion credit file that showed a Chapter  XXXX  bankruptcy. I asked the company to provide me with documentation for how they came up with this entry. I asked for validation of the entry.  XXXX  has not provided any such validation so I disputed it again. This time they wrote back saying that they would not investigate the matter anymore. This was printed on my credit report dated  XXXX   XXXX ,  2017 . The have not validated the entry nor have they provided any documentation supporting the validation of the entry yet they continue to knowingly inaccurately report the entry.  XXXX  has deleted the entry while the other  XXXX  credit reporting agencies continue to knowingly report false information.   According to the law, the burden of proof is on the credit bureau and/or the furnisher of the information. This means that I have the right, by law, to dispu te any item on my credit report that I feel is not accurate. Also as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), they have 30 days to complete the investigation. When the credit reporting companies (  XXXX ,  XXXX , and Transunion ) do not prove the listing on the reports are accurate and provide validation in a time ly manner when requested, by law the entry in question must be deleted. By not doing so they are in violation of federal law which can be punishable by a fine of {$1000.00} per violation if taken to court.
Consumer complaint received 2016-05-03
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Frederick J. Hanna & Associates, P.C. (closed) (FL)

I originally owed a debt to XXXX XXXX, their credit card. I had difficulty due to the economy. I had been working with XXXX debt co but they sold my debt. Ultimately the debt was purchased be XXXX. They began garnishment without allowing me to resolve my debt. I sent them a money order for the full amount. I had to call back but they sent me a letter that the debt had in fact has XXXX satisfied. Then I 've received XXXX with what appears further court action. They are XXXX. After a XXXX search I discovered they allXXXX have been sued for their practices as they were or are in business together. After I read the suits and that you have won a suit against them all, I decided to make you aware that they are still at in in XXXX and XXXX 2016. Hope you can help me.