davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Capital One - XXXX is reporting a few lates on my credit file. When the pandemic happened I was put in a really tough situation and was unable to make payments for a couple months. After that have not been delinquent again. I have been a customer of Capital One for YEARS and have never been late on this account except for these couple of months because of the pandemic. It truly hit out of the blue and it was completely out of my control. I would of made my payments if I could to keep my perfect payment history with Capital One. I am asking as a long time customer that you please remove these late 's from my credit file. They are due to the pandemic and I was not able to financially support myself for a few months but we are back on track and hope to never be late again.
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Below I have provided in great detail what has occurred between Bank Of America and myself and at the bottom of my letter I have included all the fraud charges made on my account. 

On XX/XX/XXXX, 4 transactions were made on my bank of America credit card fraudulently. Please see the end of this letter for transaction details. The last time I used this credit card was on XX/XX/XXXX, for the amount of {$37.00}. I logged into my app on XX/XX/XXXX, to pay for the purchase I made of {$37.00} and noticed the fraud that had been done on my account. 
I first went to look for my credit card and once I couldn't find it I immediately called the bank. 
I was assisted by a fraud rep name XXXX who was very rude and did not enter my claim properly. I had let the rep know that my credit card was stolen and used. She did not put all the purchases that were made on the claim and even added the purchase I made of {$37.00} on the claim. We had gone over each transaction in great detail so I am unsure how this happened. My claim was denied on XX/XX/XXXX and the bank had come to this conclusion due to my credit card chip being used to pay for all of these transactions. I was completely taken aback because everywhere you go shopping nowadays has the " TAP TO PAY '' feature and whenever I have used that feature they cashier has never asked me for my ID or to provide any information that the card I am using for tap and pay belongs to me or not. I then asked bank of America to reopen my claim and investigate further because these charges were 100 % fraud. On XX/XX/XXXX my claim yet again was denied for the same reason and was advised to make a police report which I did, I also provided the bank with the police number. I reopened my claim yet again and waited. On XX/XX/XXXX after 6 months of trying to have this resolved my claim was denied and closed for the same reasons I stated above. When I asked the rep to reopen it she let me know that they can not reopen my claim since they had already done so 3 total times and for me to contact the stores directly for any further assistance with this fraud claim. I called all stores and was given no help and or told that I would have to contact my bank. I asked each store if they could provide me with the security footage from the time of the purchases but each store denied my request. 

XX/XX/XXXXXXXX XXXX XXXX XXXX CA {$71.00} XX/XX/XXXX XXXX XXXX XXXX CA {$150.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  CA {$8.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA {$350.00} TOTAL PURCHASES {$580.00}
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I have repeatedly requested negative/incorrect information from XXXX XXXX from my credit report with XXXX and Equifax. on XX/XX/2023, XX/XX/2023, XX/XX/2023. Via dispute letter along with my XXXX XXXX Police report, and my Federal Trade Commission 's Identity Theft report. I have been told that THEY ARE NOT removing the item from my report because they " XXXX '' does not remove items from My report. I spoke to an agent who gave me their name as XXXX XXXX. This item has been reported on my credit profile for 7 years, in which i requested it to be removed in accordance with FCRA. This account has been sold to XXXX XXXX XXXX XXXX and is incorrect. However also the account shows late payments reflecting the dates of XXXX XXXX, when the federal government forgave consumers for late payments on credit profiles due to covid, and consumers not being allowed to work. I have tried rigorously to work with the credit bureau and have not received respect nor help.
Consumer complaint received 2024-02-20
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)

Child Support Enforcement : Account XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request verification of this debt. I previously sent a written request for validation, including a request for a wet signature, which was received by your office on XX/XX/XXXX. However, to date, I have not received the requested validation. Furthermore, I believe that your failure to provide the requested validation constitutes a violation of the FCRA. The FCRA requires that consumer reporting agencies, such as XXXX, follow reasonable procedures to ensure the accuracy of the information they report. By failing to provide validation of the debt, XXXX XXXX, Equifax is not meeting this requirement. Please be advised that I am requesting the following information as part of the debt validation process : Verification of the debt, including the original creditor, account number, and date of the debt. Proof of your authority to collect this debt. A complete payment history, including the original balance, any interest or fees added, and all payments made. A copy of the original signed contract or agreement related to this debt. I request that you provide this information to me within 30 days of receipt of this letter. If you are unable to provide the requested information, I request that you remove the disputed item from my credit report in accordance with the FCRA. This is hindering my life progress
Consumer complaint received 2022-06-16
Product: Money transfer, virtual currency, or money service — Money order
Issue: Unexpected or other fees — 
Company: WESTERN UNION COMPANY, THE (GA)

- I requested a refund for a {$250.00} Western Union money order I purchased, but later did not use. I received a refund minus a {$15.00} fee from Western Union in the form of a check for {$230.00}. The date on the check was XX/XX/2022, but I received the mail on XX/XX/2022. 
- On XX/XX/2022 I attempted to do a mobile deposit of the check through my own mobile banking feature by taking a photo of the front and back of the check, but the numbers on the check was printed poorly and in some spots barely visible so it wouldn't work. 
- I then went to XXXX and they told me they couldn't cash the check. I was given a receipt that said, " We're sorry, but we are unable to proceed with your transaction. Our decision was based in whole or in part on information obtained from XXXX XXXX XXXX XXXX XXXX XXXX XXXX authentication and risk management services to merchants and businesses nationwide. XXXX did not make the decision to take adverse action and is unable to tell you the specific reasons why the adverse action was taken by us ... .In addition, if you find that any information in XXXX XXXX file is inaccurate or incomplete you have the right to dispute it with XXXX XXXX .. '' - I called XXXX 's XXXX free number listed on the receipt and it was an all automated system and no customer service agents to answer questions. The system instructed me to key in the reference number of the declined check receipt and the automated system said there is no info they can provide, but try cashing it at the bank listed on the check ( XXXX XXXX ). So, I left XXXX and went to XXXX XXXX Bank. 
- A XXXX XXXX bank clerk told me they could not cash the check and their system says they can only deposit it into a XXXX XXXX Account, but I do not have a XXXX XXXX Account and did not want to be forced to open one. They also said if I set up an account, there was no guarantee that the money from the check would be available immediately. The clerk suggested I try XXXX and she didn't understand why XXXX couldn't cash it. 
- I left XXXX XXXX and went to a XXXX. They couldn't cash it and gave me the same type of receipt regarding XXXX as XXXX did. 
- I left XXXX and went to XXXX Bank. They said they could cash it through their XXXX party, but there would be a fee of {$9.00} taken from, the check. 
- In the end I was able to cash the check and received {$220.00}. I should not be forced to have to set up a bank account with XXXX XXXX to have access to my own refund. I should not have to drive to 4 different locations trying to cash a Western Union refund check and wasting gas during a time when inflation is so high. I should not have to endure even more fees when XXXX XXXX should have been able to cash the check for free. 
Please Note : The toll free number Western Union listed is all automated as well, so there was nobody that I could speak to about this at all.
Consumer complaint received 2021-09-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (VA)

I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. The bureaus have had 240 days ) and ( two dispute letters ) to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you
Consumer complaint received 2020-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I was waiting for my unemployment prepaid card in the mail in the first week of XXXX and on the XXXX of XXXX i called to get the status on my delivery of the card found out that on the 3rd a card was sent to an address that i never heard of before and my card was intercepted they turned it off and issued another one the remaining balance out ouof XXXX plus XXXX was XXXX which i had to have bank of america send the remaining funds on XX/XX/XXXX th a month after i made my first claim because the card never showed up i finally got a card they expressed to me after i liquidated the account out of fear the rest of my money would be stolen filed a new complaint with them because no refund of my money was ever issued still to this day here are the un authorize transaction on XX/XX/XXXX atm of XXXX and a store merchant transaction of XXXX XX/XX/XXXX another XXXX withdrawl from atm XX/XX/XXXX another atm XXXX XXXX XXXX at an atm i was credited my weekly un employment funds XXXX on the XXXX of XXXX than on the XXXX was the day i called bank of america to check the status on my card online purchase of XXXX there was no more transaction since than because i reported fraud added a security question after spendong hours and days on hold to make a claim they still have my money and the investigation. The only other transaction is from me when they XXXX  XXXX my remaining funds on XX/XX/XXXX this is the reason i cant collect unemployment please help me resolve this issue thanks
Consumer complaint received 2021-10-07
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. (NY)

I ___, I am a victim of Identity theft. I am enclosing my Driver 's license, Identity theft report where I listed all the charges that I did not make from Federal Trade Commission and a notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.
Consumer complaint received 2021-02-25
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: Credit Plus Inc (GA)

CREDIT PLUS There are multiple repeated UNAUTHORIZED Hard inquired in my credit report ran by CREDIT PLUS. These items have been impacting my credit and unabling me to obtain needed credit, further impacting my family members lives. 

All ( THREE 3 ) CREDIT PLUS hard inquires must immediately be removed from my credit report of all credit bureaus.
Consumer complaint received 2020-09-04
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)

I noticed incorrect accounts on my credit history and would like them to be reviewed because I did not inquire about any of these accounts. I have great credit and would not like my history to be tarnished by such acts of fraud. Please removed these accounts immediately.
Consumer complaint received 2020-07-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LendingPoint Holdings LLC (FL)

Back in XXXX, i called and spoke with XXXX XXXX about getting an deferment due to the covid19. He told me that he was able to do the deferment and it should have been for 90 days. So on XX/XX/XXXX I get a notification on my from the credit agency that I have a 60 day late on my account. So I called and spoke with a nice lady from Lending point and she said it had to be looked at by an supervisor. So today I received an call from XXXX XXXX and he stated to me that they could not call me to advice that the payment was past due, because i placed a do not call on my account back in XXXX. As I explained to Mr XXXX, even if I did when I spoke with XXXX, I told them to call me. So what he's saying is an excuse. I told him I thought I had an 90 day extension and now he telling me it was deferred for only 30 days. He didn't do anything to try to help, but tell me good luck wit filing a claim. This company is horrible, we are going through such a tough time in this country for companies employees to act the way he did. I have requested for the 60 day to be removed from my credit. Also wanted them to work with me to pay the past due balance. We just started to get unemployment last week, so we will try to get caught up. I'm filing this complaint because, people should not be treated or affected like this during an pandemic. Also they need to be looked into, because i filed an complaint with the XXXX  last year because they were taking money out of my account without my permission. This company has been a nightmare.
Consumer complaint received 2022-06-16
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. (CA)

According to the FCRA, 15 U.S.C. 1681 a 4 my right to privacy I do not want any negative items or collections on my credit report. This is my right.

15 U.S.C. 1681 a 2 states that I did not give any collector written instruction to allow them to report negative items to my credit report.

15 U.S.C. 1692 c ( a ) unlawful communication between collectors and credit bureaus. 

Therefore according to the law, delete all collection accounts that are on my credit report. 
Delete all late credit card payments Delete all hard inquiries. 

If you do not abide by the law you will be sued.
Consumer complaint received 2022-06-16
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX Account Number : 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy and privacy of information in the files of the nations credit reporting companies.
Consumer complaint received 2022-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Once I left my ex-husband him and his girlfriend and cousin open several banks XXXX over drafted in my name. I can't even open. An account. Because they stole my identity. He even received unemployment in my name. I did get some of my mail. That he had going XXXX his auntie house. It's so many accounts it's crazy. There is no telling what all is in my name or my social.
Consumer complaint received 2021-10-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

Portfolio recovery has been a pain to deal with they usually dont respond. Ive sent them letter after letter telling them that I do not owe this debt. For XXXX XXXX its not on my credit. I have never signed anything stating that i owe portfolio recovery a dime. They do not have my ss number. They are showing an account as open. As collection and derogatory. They last reported XX/XX/21 and a balance of XXXX they have posted in XX/XX/XXXX as ok meaning its being paid. I have no idea what this debt is about I would like this removed. Asap.
Consumer complaint received 2016-08-13
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CURO Intermediate Holdings (TX)

On Friday, XXXX XXXX, 2016, there was an un-authorized transaction in the amount of {$1100.00} from Speedy Cash. I never authorized Speedy Cash to use my card ending XXXX to pay for this loan. 

In the past I had a loan with speedy cash that was paid for in full, and one of the payments made on that loan was made by my card ending in XXXX. NEVER did I sign anything from Speedy Cash authorizing them to use this card for future payments, nor do they give you a warning saying this card will be and/or can be used for future payments. 

I took out a XXXX loan from Speedy Cash around XX/XX/XXXX or XX/XX/2016, NOT once did I provide them or authorize them to use my card ending in XXXX. I provided them with a different card number. I then let Speedy Cash know that I have retained an attorney and I am in the process of filing a Chapter XXXX bankruptcy. They refused to stop taking money from my acct because a bankruptcy case has not been filed, and this forced me to close my bank account with another financial institution because of their predatory practices. 

I contacted Speedy Cash and spoke with XXXX in the Bankruptcy Dept of Speedy Cash and she refused to reverse the transaction saying I authorized them to use this card. I attempted to explain that I DID NOT authorize them to use this card of this loan, and she told me because I used this card once on their website it authorizes them to use this card for payment. I told them NO where did I sign anything saying they can keep that card on file, it was a one time payment with this card. She did not care and kept repeating that I authorized them to use this card. 

This company preys on people and uses deceptive practices to take money from authorized accounts, they have been informed and have been provided my attorney 's information which obviously they could care less. The money they took belonged to my husband and was from HIS paycheck and not mine. This was money to pay for our rent, children 's school supplies, clothes and groceries until the next payday. 

I am respectfully requesting that this transaction be reversed and funds be deposited back into my account immediately.
Consumer complaint received 2021-02-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

On or about XXXX XX/XX/2020, I filed a CFPB complaint # XXXX against HSBC Bank : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I was trying to open " No borders checking account '' at HSBC online with a promotion. I got a lot of tough time. Twice my application was rejected. I reached out to the customer service via chat - got different reasons every time ( essentially which means nobody knows the truth or telling the truth ). Each chat was for 45 minutes each. Finally i was asked to give a call to the online account opening team at XXXX. I called them at around XXXX XXXX  and talked to XXXX. She also trying to transfer me to somebody else - phone banking. Nobody at HSBC knows what they are talking about and simply not helping the customer. This bank should be asked to close out it's operation and go out of USA. It is not allowing US citizens to open the account. Application declined Application ID : XXXX Application declined Application ID : XXXX In the past - this online application was stating that i am not eligible for this offer. Both the chat persons confirmed this. Some or the other way HSBC causes issues for the customers.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - HSBC blamed XXXX XXXX XXXX for this issue. I created another CFPB complaint against XXXX ( # XXXX ). XXXX responded that they couldn't find any such things what HSBC is talking about.

On what basis HSBC stated all that - was it some cover up?
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

Your ticket XXXX - Settlement, has been updated. 

Dear XXXX, We are unable to expedite processing or payment of claims. If we need further information, we will contact you. 

You can check back at a later date for updates on your claim or, if you filed your claim online, you may check your claim status any time on the Settlement website at www.EquifaxBreachSettlement.com using the " Check My Claim Status '' option.