davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC (NY)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

XXXX XXXX I started an early payment which usually takes a day to go through. To see the next day returned the payment, and the money did not leave my account and was available. This has also happen once before years ago and Is not my fault and destroying my credit score. 
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Contemporary Information Corp (IL)

I am writing to formally dispute the presence of an eviction on my credit file, as reported by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c2, a consumer reporting agency is obligated to block the reporting of any information resulting from alleged identity theft upon the consumer 's identification of such information. 

On XX/XX/2023, I identified the eviction account listed on my credit file as a result of identity theft. Despite my identification of this account and the legal requirement outlined in the FCRA, the eviction remains on my credit file. As per the aforementioned statute, consumer reporting agencies are mandated to block such information not later than four business days after receipt of the consumer 's identification of identity theft-related information.

By failing to comply with the FCRA and blocking the reporting of the eviction resulting from identity theft, your agency is in direct violation of federal law. I hereby request that you promptly investigate this matter and take the necessary steps to rectify the situation by removing the eviction from my credit file. 

Additionally, please provide written confirmation of the actions taken to resolve this dispute, as well as any documentation supporting the removal of the eviction from my credit file. 

Thank you for your attention to this matter. I expect a timely response in accordance with the provisions of the FCRA.
Consumer complaint received 2024-03-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (MS)

I received a letter from On Line Information Services saying that I had a debt with XXXX XXXX XXXX XXXX. I live in XXXX  and the energy provider is ion Texas. The debt alleged amount was for {$500.00} and from XX/XX/2023. The address on file was XXXX XXXX XXXX, XXXX XXXX, Texas, XXXX. The account number with them is XXXX. I have never been there, lived there nor authorized services at this address.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EGL US, LLC (MD)

I paid off my loan and credit cards XX/XX/XXXX and it is not updated with the companies on my credit report with all credit bureaus as {$0.00} balance. They reported on XX/XX/XXXX on my new credit report that I have a balance. This is for both loans and credit cards. I called the credit bureaus and they did not update the info. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The amounts I paid are attached.
Consumer complaint received 2021-01-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (MO)

I have recently Disputed this matter with XXXX, XXXX, and XXXX. Unfortunately They Have failed to reach back by mail with the Burden of Proof within the required 30 days. I have stated to them the information is incorrect on my credit report and is fraud, This falls under The FRCA Requirements, and I have shown a 601 goodwill letter after the first dispute. Please provide Burden of proof by mail that the information is accurate or remove this account due to Fair Privacy Act.
Consumer complaint received 2017-01-12
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I received a refund check from my previous Rental company. It was in joint name of me and my wife. I did not look into the same and tried depositing the check in BOA thru mobile banking. Immediately I realized it was a mistake. However I went to the bank the next business day and got my wife name included in the bank account, but the bank refused to accept the check stating its still under clearance from past deposit, and unless its rejected they can not accept.. I however sent the check the next day, they accepted the check, but they placed a hold for clearance for 10 days. I fail to understand when its my check, my money why is the bank placing hold. I also enquired with check issuing company, they confirmed that they have not placed any hold. 
I tried to call the bank at least 5 times to follow up on the hold status, but they would not share any information. just keep making me run from pillar to post. from one dept. to another. 
I have commitments and bills to pay, and I believe its not fair on the bank to place a hold o my check for such small issue. I think this is discrimination against people and this should be highlighted.
Consumer complaint received 2016-05-05
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I just learned of an overdraft on my account and unaware of the occurance. I believe the transaction was fraudulently done. I currently have a temporary debit card. I currently have a negative account with Bank of America now in the amount of about {$350.00}.
Consumer complaint received 2016-12-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My real estate property tax was not paid by either mortgage company, XXXX XXXX XXXX ( OLD Acct # XXXX ) or Bank of America XXXX XXXX XXXX # XXXX ). My tax payments are escrowed. I have an outstanding NYS Property Tax bill of {$1000.00} for XX/XX/XXXX- XX/XX/2016 My mortgage was transferred XX/XX/2016 from SPECIALIZE LOAN SERVICES ( I 've made complaints about this company in the past ), to BANK OF AMERICA. Neither mortgage company paid the property taxes. My last XXXX XXXX XXXX annual escrow statement shows a payment of {$410.00} paid out but to whom? XXXX XXXX XXXX or Bank of America has to pay the taxes out of the escrow. The mortgage payments I made included the XXXX tax payments already. Where did that money go? I called XXXX XXXX XXXX XXXX. and was hung up on, Im guessing because I called close to closing. She could have called me back. Their customer service was never great. I called Bank of America and was told to call XXXX Services. I am given the run around. Please make them pay my XXXX XXXX tax. I already paid through mortgage payments. Specialize Loan Svcs ( old Acct # XXXX ) XXXX XXXX Bank of America ( XXXX Acct # XXXX ).
Consumer complaint received 2024-03-08
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: MID FLORIDA FINANCING LLC (FL)

In accordance with the Fair Credit Reporting Everything has to be XXXX XXXX accurate on my XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXXXXXX The XXXX XXXX stated my account was properly  investigated but how is that possible if the XXXX XXXX is in inaccurate, the XXXX  XXXX XXXX  is in inaccurate, and XXXX XXXX  XXXX is inaccurate. 
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 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I recently pulled my credit report and noticed fradulanet inquires on my credit report. I reached out to XXXX, XXXX and Equifax. XXXX did an investigation and Equifax and XXXX failed to do so. 

With Equifax inquires XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX With XXXX Inquires XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX I even sent each company letters and they saying I have to contact the source which I do not know who the source is.
Consumer complaint received 2020-05-11
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (MD)

CFPB complaint # XXXX was closed prematurely as the response from Transworld was not correct. We have made several attempts to request they stop calling ANY number associated with XXXX since XXXX XXXX XXXX XXXX utilizes all numbers with this exchange. Whatever number Transworld is calling it is being routed to a phone in our warehouse. We are receiving phone calls daily and need it to stop immediately. If this is not done, we will be forced to take legal action.
Consumer complaint received 2024-03-08
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BMO Bank, N.A. (TX)

I received a letter saying a savings account had been opened in my name and address. My credit is frozen so I honestly didn't think that was possible. 

When I inquired about the account, when speaking with BMO Harris, they told me the account was real. I didn't have information about the checking account created as well. Never received a letter.

They would not tell me any information about how the account was created. They would not tell me anything about how much money was in the account. When I asked for the agent 's last name, she would not provide it ( XXXX ). 

I believe BMO opened a checking and savings account in my name without my permission.
Consumer complaint received 2024-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NJ)

I was looking at my Citibank checking transaction and discovered that someone hacked my account and made two unauthorized transfers on XX/XX/XXXX and XX/XX/XXXX. 

One transaction {$130.00} XX/XX/XXXX Two transactions {$2300.00} XX/XX/XXXX {$200.00} XX/XX/XXXX I reported this illegal remittance to Citibank on the same day and got a refund of {$130.00} but refused to refund the two unapproved transactions that took place on XX/XX/XXXX. 

it was an unauthorized transaction, but they refused to refund it, saying I approved it. Attached below is the answer to the Citibank survey results Transaction Date Amount Transaction Type Transaction Description XX/XX/XXXX {$200.00} XXXX XXXX XXXX XX/XX/XXXX {$2300.00} XXXX Dispute XXXXXXXX  On XX/XX/XXXX, you authorized person-to-person payments for the total amount of {$2500.00}. 
Based on our research and the information you provided, we are unable to honor your claim. 

The person to person payments were sent to the recipient in accordance with your instructions. You may wish to reach out to the recipient directly to resolve this matter. 

I did not approve these two transactions, I don't know who the transaction was sent to, I don't know about what happened, and I saw and recognized that the transaction took place in my checking account transaction. 

I'm serious about this situation, and I'm under a lot of stress. 

And I reported the issue to Citibank again.
Consumer complaint received 2020-05-11
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)

MY IDENTITY WAS USE WITHOUT MY CONSENT I AM XXXX XXXX SOMEONE USE MY INFORMATION TO OPEN UP SEVERAL FRAUDULENT ACCOUNTS USING MY INFORMATION I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2015-10-26
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: REGIONS FINANCIAL CORPORATION (FL)

I just recently realize that for a long time my bank account had been illegally charged with unfair overdraft fees, my banking institution had been so abusive of these fees, that at times I had more than XXXX overdraft fees in XXXX week at {$36.00} each. After complaining to the bank, I realized that the bank manipulates the transaction history to their advantage, making it impossible for me to keep an accurate track of my financial transaction. My banking transactions are not posted in pending in the right order and if there is a cash request they will deliver cash withdraws over the pending transaction to purposely overdrawn my account and later charge all pending transactions an overdraft fees for each on of them.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ACIMA CREDIT, LLC (TX)

You have committed a Trespass by way of Material Misrepresentation, Fraud, Negligence, and Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ) and, Texas Business and Commerce Code Sec. 521.051. You are a financial institution, and data furnisher who shared, disclosed, and transferred, my nonpublic personal information, personal identifying information, and identifying information to a nonaffilliated third party, and consumer reporting agency without my consent pursuant to 15 USC 6801, Texas Business and Commerce Code Sec. 521.002, and Texas Penal Code Sec. 32.51. You did not legally obtain consent to sale, transfer, or disclose any account information, or nonpublic personal information with any other third party, or nonaffilliated third party as regulated by 15 USC 6802 of the Gramm-Leach-Bliley Act, GLBA. Additionally, you failed to provide me with FULL disclosure regarding your intent to do so. Failure to provide FULL disclosure of material information is an unfair method of competition, and unfair and deceptive acts of FRAUD. When a person is defrauded into entering a contract, the contract is no longer enforceable, and the defrauded party may void the contract upon learning of the fraud.
Consumer complaint received 2024-03-08
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: JPMORGAN CHASE & CO. (PA)

In accordance to the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 ( section 6 o 2 states I have the right to privacy ( 15 USC Section 6 0 4a section 2 ) it states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Please update and verify the following account below, which is not mine but is reporting on my credit report, the information reported is incorrectly. I have never incurred debt with these creditor, I did not made or authorized it. If this account can not be verified, please delete the account. 
XXXX XXXX XXXX account number XXXX Open on XX/XX/2XXXX XXXX
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MD)

I have an opened complaint as well to the U.S. Department of Education as well.. 
I have had issues both with XXXX and Navient once they took over, first issue was they had the wrong graduation date as XXXX XXXX instead of XXXX XXXX which caused them to put me in a forebearance while I was still in school. Second issue I could not make payments online until my Loan was current and up to date by calling in payments, they would only apply the payments on some of the loans, causing late fees in others. Third issue they will mail me documents which never arrived. Fourth issue was sending letters to relatives saying they could n't get a hold of me when I 've been in contact with them weekly. Fifth they could n't keep track of my records when I put in a research request I would continue to get phone calls, and then the representative would then notice it was in a research status .The last representative said there was no such thing as a research status, and if so I was not notified that the research status ended. They emailed me a document which then never showed in their system until I spoke with a representative, they then re issued the document with a new date. Went I applied for a home loan, my loans did not match what was being reported on my credit report. I have documentation to back up some of these claims as well as other smaller issues. Constant harassing while I was n't in school 3 to 4 times a day different phone calls, bad record keeping, loans I do n't even know about.
Consumer complaint received 2024-02-15
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: Westlake Services, LLC (FL)

Nowcom/XXXX XXXX got a hold of my credit report on XX/XX/XXXX which was never authorized by me. I contacted the company and spoke to a representative name XXXX who said they would remove the inquiry but never did. NowcomXXXX XXXX XXXX got a hold of my credit report on XX/XX/XXXX which wasnt authorized by me. NOWCOMXXXX XXXX got a hold of my credit report on XX/XX/XXXX. NOWCOMXXXX XXXX XXXX XXXX XXXX got a hold of my credit report on XX/XX/XXXX without my permission. These inquiries are negatively impacting my credit profile causing me to not be able to do business with legitimate creditors.
Consumer complaint received 2019-10-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

Open an online dispute with the company notifying them I am not the owner of this account. I am a victim of identity thief, which as a result causes me to have to receive a letter each year from the IRS with a pin to include with my tax return. The company have not provided me any information on this debt except a billing statement. I have repeatedly told the company this debt is not mine
Consumer complaint received 2020-05-11
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: PNC Bank N.A. (IL)

Needed proof that PNC cashier 's check {$3200.00}, # XXXX, bank account # XXXX, routing # XXXX, had been cashed. Merchant says it was not received. 

Although, I did purchase the cashier 's check from PNC, I have spoken to EVERY department they all say they can not help me in anyway with my request. 

A few of the people that I have spoken to include : XXXX at the purchase branch XXXX XXXX XXXX, XXXX XXXX - XXXX, XXXX XXXX, support operations XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and lastly from Treasury Mgmt XXXX, XXXX, and manager XXXX XXXX XXXX ext # XXXX hung up on me.
Consumer complaint received 2024-03-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: GOLDMAN SACHS BANK USA (NJ)

On or about XX/XX/XXXX opened a CD account with Marcus CD a subsidiary of Marcus Goldman Sachs via phone. I deposited money from my XXXX XXXX XXXX account via ACH transfer within several hours they received the money and on XX/XX/XXXX a CD was opened which would mature on XX/XX/XXXX. 
In XX/XX/XXXX I chose the option to release the money and transfer it back to the same account upon maturity on XX/XX/XXXX. They said the money is usually deposited within 24hrs, Its been over a week, they have not released the money yet, and they keep giving me the run around saying the money has been transferred. I keep asking them for transaction verification, my bank has not received the money yet and I am still waiting. I have had numerous conversations with them with customer service and their supervisors and still to not have the money there are numerous complaints online and I would like to document my complaint and see if CFPB can look into this bank and its handling of these issues.
Consumer complaint received 2024-03-08
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WorldRemit Corp. (TX)

I send {$2300.00} to my sister on XX/XX/2024 via XXXX XXXX The company marked the transaction delivered but never came to my sisters account. After two days I called my sister and she said nothing yet. I contacted XXXX XXXX who claimed its their local agent in XXXX ( XXXX XXXX ) not delivering the money to my sister and they will open investigation. Days on days till a week XXXX XXXX will tell me same thing. On the XXXX day, I called and the agent said that the money never left my account that thats the status of their investigation. I told them that XXXX XXXX XXXXXXXX has confirmed that the money has left my account which shows a negative transaction. The agent ended the call. I have tried to call XXXX XXXX for past two days all they do is to pick up the call and end it. Put me on hold until the call declined. Please Im not the only customer that is experiencing this as my bank told me. Please we need protection from this XXXX XXXX and the Government should do something about it.