davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION (TX)

I made a deposit to my checking account with Penfed to cover my mortgage payment. They placed a very long hold on the deposit for security reasons. I spoke to a few reps on the phone as my payment was rejected and I was assessed an NSF fee which was credited to my account as a courtesy. Then an additional attempt was made, and funds should have been a available, but they were not and I was assessed an additional fee. I am now faced with damaged credit dud to their practices.
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: EQUIFAX, INC. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. CHAPTER XXXX BANKRUPTCY FILED XXXX XX/XX/2020 {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX
Consumer complaint received 2021-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (OH)

XXXX XXXX XXXX is reporting a debt owed on my credit reports, however I have never had an dealing with them and do not owe them money. I have tried contacting with no response. I have not received any written communication. I want this removed from my credit report immediately. they have no business with me, and I refuse to deal with them any further. 

XXXX XXXX
Consumer complaint received 2015-12-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ORG GC GP BUYER, LLC (FL)

I, and the father of my son who does not even have the last name and lives in another state -who have nothing to do with a debtWe have both been contacted illegally, HARRASSED by : XXXX XXXX ofGC services collection agency - XXXX XXXX. 
He said a 'personal matter from a collection agency '. 

The father of my son, with a different last name and I have a strain relationship and to ad this harassment on collection calls that are not relevant to me or my son should be stopped and reported for illegal practices. 

This call has placed a strain on my relationship with the father of my son, whom I am not married to and he has NO relationship to the person they are calling for and say has a debt. A XXXX year old person. 
And calling my phone number XXXX times and to ask for her when my phone clearly is listed under my personal name. 

This tactic of harassing everyone in search of the XXXX year old person whom they say has a debt - has no relationship to what ever reason they are calling for collections, is stressful and should be illegal to call people that have no relation or even the last name - in this case I repeat calling the father of my son who is not related to the person they say are trying to reach. And dialing my phone 5 times for something I have no relationship to such debt is harassing. 

GC SERVICES, XXXX X XXXX XXXX XXXXSHOULD NOT BE HARRASING PEOPLE IN THIS MANNER FOR SOMETHING THAT HAS NOTHING DO TO WITH THE ACTUAL PERSON THEY SAY THEY ARE TRYING TO REACH FOR COLLECTIONS. 

THIS COMPANY SHOULD BE STOPPED FROM THESE PRACTICES IMMEDIATLY TO AVOID THIS TO HAPPEN TO OTHER PEOPLE. 

Thank you.
Consumer complaint received 2021-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

The following Capital One Walmart MasterCard credit card account : XXXX is a fraudulent account. The account was opened fraudulently. Its not my account. I never applied for the Capital One Walmart Credit Card. Its a fraudulent account from the result of identity theft.
Consumer complaint received 2015-09-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BMO Bank, N.A. (AZ)

I want to create a situation to safely pass along my account to my daughter and nobody will comment on how to do it. They say I need 3rd party legal advice and 3rd party legal advice only knows so much. I want to know risk and terms regarding the ending of my account when I pass away and nobody answers those simple questions. I want to know if a debt holder could find out about my giving my account to my daughter who has unpaid debts, but nobody will answer that simple question as to what the bank will show in any availability to debt holders. 

I am widow of retired XXXX XXXX
Consumer complaint received 2022-09-29
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. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and updated 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 2020-07-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have four accounts with Capital One. Two Joint Accounts in my and my wife 's name. One is a Youth Savings account in my son 's name. The fourth is a business savings account. 

All ( 3 ) personal accounts are frozen with this message : " Your funds are currently not available for withdrawal. Please call us at XXXX. '' I have called this number on four separate occasions. Twice I gave up after nearly an hour wait time. The 3rd time, someone picked up and affirmed my accounts were on hold. She was unable to determine why and transferred me into a perpetual queue. The 4th time was today, Wednesday XX/XX/XXXX. The lady at Capital One followed the same process as the 3rd time - but I declined the transfer and requested a Supervisor. 

XXXX was the supervisor. He was nice. However, he could provide me no information. He indicated that the accounts are frozen at that is all he had access to, that I would need to speak with the other department, and 'YES they do have extremely long hold times '. I declined. 

On XX/XX/2020 I mailed them a good old fashioned letter in the mail to : Capital One, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX So as it stands - Capital One has frozen my accounts with ZERO COMMUNICATION. I have contacted them on ( 5 ) occasions ( four calls and one print ). I have yet to receive any communication from them as to why they are doing what they are doing.
Consumer complaint received 2024-02-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX DC XXXX Subject : Complaint Regarding Overdraft Fees and Locked Card Policy by Bank of America Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Bank of America regarding a policy that allows payments to be posted even when a debit card is locked, resulting in overdraft fees. This practice has affected not only my accounts but, as I understand, has also been a significant issue for minority business owners disproportionately impacted by such fees. 
Account Details : Bank Name : Bank of America Account Number : [ Your Account Number ] ( Please omit or redact for security ) Incident Dates : [ Specific dates of the incidents ] Description of the Issue : On several occasions, despite having my debit card locked ( a feature offered by the bank for security purposes ), transactions were allowed to be processed, leading to my account being overdrawn. These instances resulted in overdraft fees being charged to my account despite my preventive measures to lock the card and avoid such situations. This indicates a systemic issue within Bank of America 's transaction processing and account management policies. 
I have attempted to resolve this matter directly with Bank of America through their customer service department. However, the responses could have been better, with no proper explanation or rectification of the charges provided. The persistence of this issue, alongside the historical context of Bank of America 's handling of overdraft fees, especially concerning minority business owners, raises serious concerns about the fairness and integrity of the bank 's practices. 
Request for Investigation : I urge the Consumer Financial Protection Bureau to thoroughly investigate this matter, focusing on my accounts and similar accounts that may have been adversely affected by Bank of America 's policies regarding locked cards and overdraft fees. It is crucial to ascertain the extent of this issue and ensure appropriate corrective measures are taken to prevent future occurrences. Moreover, investigating whether these practices disproportionately affect minority business owners would be critical in safeguarding the rights and interests of vulnerable customer segments. 
I am willing to provide further details and documentation as required to support this complaint. I look forward to your prompt response and action on this matter. 
Thank you for your attention to this issue and ongoing efforts to protect consumers.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX, Are reporting a business credit card from my previous employer on my credit report. I have stellar credit and I was listed as a authorize user on the account NOT THE OWNER. I no longer am employed with the company and I have been victimized by the credit reporting agencies. This is not right and I would like for the credit bureaus to be held accountable for their actions. This mistake has cost me the opportunity to purchase a new home for my family and It should be fix ASAP! 

I have sent certified mail to XXXX as well as all three bureaus, the only option I have if this doesn't work is to SUE all parties involved... Please Help!
Consumer complaint received 2024-02-19
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. (FL)

I disputing the validity of this account from XXXX XXXX  finance. the account is hindering me from obtaining new credit. ive been denied several times because of this account. this account has been written off on mid Florida finance books as a business write off. per the IRS publication 4681 this is now icon on my end. so if this is considered to be income for mw than why is being reported. my pay check isn't being reported so why this. I have to pay taxes on it and it's still reporting thats fraud on behalf of the furnisher XXXX XXXX  XXXX. this also is a violation go y consumer right. 


XXXX, Equifax, & XXXX have all violated my rights according to 15 usc 1681e and 15 usc 1691 I. please deleted this repossession of off my credit Ive given the car back come on guys what's up with all the fraud going on. this is secures fraud at its finest.
Consumer complaint received 2024-02-19
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. (NY)

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.

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 2016-04-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I have been attempting to bring my past due mortgage up to date since XXXX of this year. I accepted a trial modification and made XXXX of these payments covering XXXX and XXXX. I also set up a third and final trial payment for XXXX. Unfortunately, my third payment has been rejected and I 've been terminated from the modification program without explanation. I have not been able to reach an assigned relationship manager since the end of XXXX. I have never once been contacted for scheduled contact with my relationship manager. I have called numerous times to inquire about the status of my account and I 'm told a different story every single time. I 've escalated this to a supervisor named XXXX XXXX who has failed to follow up in assisting me. I 've also contacted her manager XXXX XXXX on XXXX/XXXX/16 but I have yet to hear from him either. I received XXXX and XXXX contact information. I have tried diligently for months to bring my account current however Bank of America has not allowed that to happen. I continue to get the run around, calling almost daily trying to sort this out and get some type of definitive resolution. I do n't know how to get higher than XXXX XXXX and I have no idea what to do from here other than plea to the CFPB to please help me.
Consumer complaint received 2024-02-19
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. (AK)

This is not a verification account. XXXX Account XXXX. 

XXXX is reporting four accounts to my consumer reports that I did not express permission or permissible purpose to report. 15 USC 1681 b. As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC1692, and pursuant 15 USC 6801. My private information is my business. My loans are my business. My loans are my private information. XXXX  have reported my private information without my consent. XXXX  actions have amount to aggravated identity theft 18 USC 1028a. As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures 15 USC 6802. 15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX  have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. 15 USC 1681 and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. Please delete XXXX Account # XXXX
Consumer complaint received 2021-11-28
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. (TX)

XXXX XXXX is an account on my experian credit report. Account is closed, and paid off. Please remove this account from my experian credit report!
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: EQUIFAX, 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 2016-07-20
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America ATMs let you overdraw the account and then charge you a {$35.00} overdraft fee. This is unlike most banks ' practices. For example, XXXX and XXXX ATMs do n't do that. I called them at XXXX today and had to wait on hold an hour to ask for a one-time courtesy adjustment because they let my bank account overdraw when my girlfriend used the ATM. They refused the adjustment even though after the overdraft, Bank of America sent no email notification or XXXX application notification regarding the overdraft. They let the overdraft stand until early the next morning when I saw it, by which point they had charged me {$35.00} as an overdraft fee. They intentionally do not notify their customers so that their customers do not cover overdrafts. My account was only overdrawn a few hours until I covered it at XXXX or XXXX the next day. Even then, I was still charged {$35.00}. My account with them is not even a day to day account ; I usually only have {$1.00} in there and keep the account to send money to family. Also, I called them and asked for a one-time courtesy adjustment of this overdraft and they refused, saying that the fee was properly assessed. This is even though I never selected this intentional overdraft feature for my account, which has been opened 11 years. This must be a more recent feature they have added to rack up fees.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
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)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX  XXXX XXXX, XXXX XXXX XXXX XXXXXXXX AND XXXX  XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX  AND XXXX XXXX  XXXX  WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, 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 2015-07-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: United Consumers Inc (MD)

My son has been constantly harassed by United Consumers , Inc. ( XXXX, VA XXXX ) even after I have sent them correspondence XXXX with proof that the bill for emergency medical services has already been paid. United Consumers is making threats about effecting his credit rating and other forms of intimidation.I would appreciate it if this matter could be looked into. I have attached a copy of the cashed check, which was sent directly to the hospital. ( And cashed by them, as well. )
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

XX/XX/2024 Dear XXXX & Equifax, I am writing just to make some corrections to my credit report, specifically addresses and places of employment. Some of the information provided will either relate to Equifax or XXXX, not always both! 
INACCURATE ADDRESSES ; XXXX. XXXX XXXX XXXX XXXX, XXXX, IL. XXXX XXXX. XXXX XXXX XXXX, XXXX, IL. XXXX INACCURATE EMPLOYMENT ; XXXX. XXXX XXXX XXXX INACCURATE NAME SPELLING [ XXXX ] XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX Please delete all the inaccurate information that is listed in my Consumer report that You see listed here above. Thank You!