davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: MarineMax East, Inc. (FL)

Hello, my complaint is as follows. I was engaged with New Coast financial services in regards to a boat loan. Through the process they collected significant amounts of Financial and non public information. 

At no time in the process did they provide a notification of their policies and practices for protecting my NPI. They collected my NPI on a non secure XXXX XXXX and routed my personal information over non secure email. Nor did they disclose the 3rd parties my data has been shared with and what their policies are re : protecting consumer NPI. 

I have substantial assets in the accounts they collected information on, and I received no response in regards to my queries on their policies for protecting and or destroying my NPI and PPI. 

I am a former XXXX XXXX and have intimate familiarity with the As a broker or lender you are governed by Gramm Leach Bliley Act, or GLBA which requires financial institutions to provide clear and understandable notification of the companies policies and practices for protecting NPI. And that the notification must be made explicitly on paper or online, and must meet specific disclosure requirements. 

The company failed to provide any such notification during the application and data collection process and failed to respond to my direct questions regarding my privacy rights and their responsibility for protecting my NPI. 
I am a victim of financial fraud in the past and am deeply concerned that New Coast Financial is miss handling my NPI.

here is the contact of the individual I was working with ....

XXXX XXXX XXXX years in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Newcoast Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX direct XXXX XXXX fax XXXX XXXX
Consumer complaint received 2017-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I contacted Equifax on X/XX/17 via certified mail and telephone advising them that a I tried to contact a creditor XXXX XXXX via the address information that was listed on my credit report from the reporting agency. I mailed the listed account agency a certified letter and the letter came back as an undeliverable address. I then made copies of the letter in which I still have with the yellow undeliverable sticker on it and faxed and mailed to Equifax providing them this documentation. Equifax is allowing the agency to report a false undeliverable address as contact information on my report. In addition when calling XXXX on X/XX/17 to clear up the issue they can not identify the records because Equifax has allowed reporting of missing/partial/incomplete account number XXXX. Equifax sends out an automated response of " account verified '' but has yet to provide me with any documentation bearing my signature. It is my understanding that no entity of the state and federal laws of reporting has the authority to retain report transfer sell utilize or else wise outdated untrue inaccurate physically unverifiable fraudulent misreported and or any not compliant allegations. I have made numerous requests for them to remove this account and they have refused after being provided with documentation.
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc. (OH)

Via written letters, I have twice requested my credit report from SageStream , LLC, which states on its website that it " is a consumer reporting agency that is regulated by the Fair Credit Reporting Act. '' A SageStream report was used in a decision by a creditor to deny me credit. Therefore, pursuant to federal law, SageStream is obligated to provide me with a free copy of my report. 

I sent the written requests on XX/XX/2020 and XX/XX/2020. My first request was sent to the SageStream offices in both XXXX XXXX, CA and XXXX, AZ. My second request was mailed to its preferred address in XXXX XXXX. 

SageStream has failed to provide me with my credit report as required by federal law.

Any claim by SageStream that coronavirus has impacted its ability to generate my report is bogus due to the fact that my requests were made long before any state shutdowns.
Consumer complaint received 2021-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANKMOBILE TECHNOLOGIES, INC (CA)

My XXXX XXXX account was fraudulatly used to withdraw money from two of my personal checking accounts with XXXX and BankMobile between XX/XX/XXXX and XX/XX/XXXX. The claim submitted to bankmobile was partially denied because they state the merchant " XXXX XXXX '' has provided them proof that these transactions are mine which is a lie. I have documentation from XXXXXXXX XXXX that confirms i am not responsible. I provided this proof to Bank Mobile however they still denied my claim for the same original reason. My account is overdrawn because they reversed the credit provided to me in XXXX.
Consumer complaint received 2017-11-27
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. (WI)

I have reached out to all the credit breuas and creditors to provide me with validation that the inaccurate information listed below belongs to me. several phone calls, faxes, and letters sent and no response. This is very hard for me to obtain credit and having a negative impact on my future things I am trying to obtain. 

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (AZ)

I have opened 3 accts. for my XXXX children to save money for college. I have never in all the years they have been open withdrawn money only deposited on a regular basis. 
Chase allowed fraud to take place on 2 of these accts. and I was not notified of the activity. There were checks being written and cashed in names that are not even tied to these accts. ACH debits being made and online transfers - again all in names other than what is on the acct. The suspect of fraud changed the status for me to no longer receive my paper statements in the mail. All of this activity again was never reported to me. There are multiple transactions on both of the accounts totaling a loss of approximately 56,000. Chase does not want to claim full responsibility for these when clearly they should have never allowed this to go on - fraud in many different names again none of which are on my account. The fraud is very clear to see. I have filed a police report with the XXXX police dept. as well as contacted XXXX. I would like the money returned to my children accounts. Chase failed to protect me from this fraud.
Consumer complaint received 2020-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (NJ)

This bank is allowing strangers to use my available balance. They are also overcharging me for XX/XX/2020. I will contact the police if they do not stop bothering my credit card and banking accounts. I had an available balance of {$53.00} yesterday. The bank is allowing someone to access my credit card. I do not have any friends or associates to steal money from my checking or savings account. I paid a large payment on XXXX of 2020 yet I am farther over my limit. Why is that? Someone would have to back track my balance and available credit the last couple of months. This is ridicilious. How did I have {$53.00} available yesterday and now its {$53.00}. A stranger is causing my balance to go over the limit. My payment keeps increasing.
Consumer complaint received 2020-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

Chase bank allowed over 15,000 worth of fraud on my account and their " customer service '' representatives are blaming me for the transactions. I have not left my city due to shelter in place, yet my card was used in ATMs in XXXX and XXXX XXXX for over a week while I was busy at home. Once I realized the fraud I tried calling chase and filing claims, their phone support was less than helpful as I was transferred from line to line to file claims, some of the customer service representatives even implied they didn't believe me because theres " the pin was used '' so it must have been me? That is ridiculous considering it is the banks job to protect their customers and figure out what happened to the money. Even though claims were filed for the transactions and a police report was filed, the funds have not been returned to my account- in fact I called back to check on the status of my claims ( filed two weeks ago ) and I was informed they decided there was no fraud! My account is over 4000 dollars in the negative in the middle of pandemic because Chase Bank wont take accountability or protect their customers!
Consumer complaint received 2017-11-27
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. (IN)

I have several inquiries on all three major credit bureaus that I did not authorize. On XX/XX/XXXX I contacted XXXX XXXX via phone to inquire about their requirements for financing a vehicle and specifically asked if a soft pull could be done just to see if it would be worth applying. The rep assured me that there would be no hit ( hard inquiry ) to my credit. I asked several times and was repeatedly told that there would be no hard inquiry. I then received notification alerts of several inquiries to my credit reports from them as well as a few other financial institutions that they sent my information to all without my consent and the rep blatantly lying to me. I contacted them to have the issue resolved and was told that they would not help me. 

On XX/XX/XXXX and XX/XX/XXXX ( XXXX XXXX XXXX ) my daughter was shopping for a car at XXXX XXXX XXXX and asked about financing and was told she may need a co-signer. Again, I asked if a soft pull could be initiated just to see if it would be worth trying because I was sure that I would not qualify and did not want to have any more inquiries and again I was lied to and ended up receiving notifications from 8 financial institutions and I wasnt even present again at this dealership. They financed her without the need of a co-signer so I am confused as to why they lied about the soft pull and ran my credit without the need to. I contacted them and was offered nothing more than an apology. 

As I was looking at my report I noticed a couple other inquiries that I did not authorize and I have contacted the companies as well as the credit bureaus and they all have refused to remove them. The following inquires were made without my consent : XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-05-04
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: Verisk Analytics Inc (TX)

I asked the company to provide the name, address, and telephone number of each person contacted regarding this alleged account ( Bankruptcy ). I requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to this account ( Bankruptcy ). The company continues to tell me the item is verified by public records. They are purchasing public information from a third party and can not verify that the information is accurate with the actual furnisher of the information.
Consumer complaint received 2017-11-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BB&T CORPORATION (PA)

My husband and I are refinancing our existing mortgage with XXXX XXXX XXXX, currently our mortgage is with XXXX XXXX. We also have a home equity line of credit with BB & T bank. We want to maintain our BB & T equity loan. XXXX XXXX has contacted BB & T several times to make arrangements for the change of the new mortgage and has repeatedly been told that they do not have a department to take care of that service. We are senior citizens and my husband has repeatedly called BB & T and been given the names of people to take care of the situation and when XXXX XXXX then contacts that individual they are told that they do n't handle that. At this point in time it has become very stressful because it will delay settlement.
Consumer complaint received 2020-05-04
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Williams & Fudge, Inc (TX)

I tried to enroll in school explained that I wanted to make sure I was getting my financial aid before I started the academic advisor signed me up for classes before it was finalized I didnt get funded now I owe a bill this was unethical and I dont want this on my credit
Consumer complaint received 2020-05-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Control, LLC (AR)

This company and its debt are unknown to me and it damaging my credit and livelihood. I do not have any financial relationships, debts or legalities with this company because I have never signed any binding contacts stating such. Its unfair that hat it it on my credit reports of the major credit bureaus and I simply want it removed with no negative remarks or statements due to the lack of permissible purposes.
Consumer complaint received 2017-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: R.M. Galicia, Inc. (CA)

On my XXXX and XXXX credit report, XXXX XXXX XXXX are reporting a debt ( {$77.00} ) that was included in my bankruptcy as collection accounts and money that I still owe. My bankruptcy was discharged XX/XX/XXXX. They are reporting this as of XX/XX/XXXX. XXXX is reporting this as being included in my bankruptcy with {$0.00} being owed. Please advise and have it removed. Thank you.
Consumer complaint received 2017-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

My Equifax report has a late payment corresponding to account XXXX XXXX XXXX XXXX XXXX, Account Number XXXX that to the best of my knowledge is incorrect and has affected my relationship with creditors. 

The credit report states under Account History with Status Code 1 ( 30-59 Days past due ) XX/2015 but it does not show the information corresponding to that month. The missing information makes it impossible for me as a consumer to verify and correct along with the creditor the error of said reporting. Attached is a copy of my Equifax report so this can be verified. 

For this reason and for the negative it has had on my relationship with creditors causing irreparable damage I demand this incorrectly reported item ( Status Code 1 ) be removed from my report.
Consumer complaint received 2020-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

I.C Systems, INC is reporting a frivolous debt on my credit files in which I do not owe them. 

I have never in my life done any type of business with this company nor is there a contract that is binding me to this company. 

I have asked them to provide me with a copy of the legal contract with my wet ink signature and the wet ink signature of the company 's representative that shows that I entered into some type of business dealing with them but I was not provided that info. I have also asked them to delete this frivolous debt from my credit in which it still remains. 

I have never received any sum of money nor merchandise from this company so therefore I do not owe this company any money.
Consumer complaint received 2018-03-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance CAS, LLC (FL)

My first letter from the collection agency received in XX/XX/XXXX, which was dated XX/XX/XXXX. I received a statement for {$510.00}, and the letter stated intent to record a claim of lien. I immediately sent the initial dispute XX/XX/XXXX, as the amount due to the management company was paid as agreed of {$210.00}. I was disputing the interest, mail charges and other charges for a total of {$300.00}, and supplied a copy of the cashed check the management company received. We had made an arrangement to pay late and advised payment would be sent in XX/XX/XXXX due to damage from Hurricane Irma. 

Ticket was created XX/XX/XXXX, to dispute these charges. I Received response from collection agency on XX/XX/XXXX waiting on reply from management company, if no response case would be closed. XX/XX/XXXX, received notice of second request sent to management company, once again collection agency advised me if no response case would be closed. 

In the meantime I received a statement from the management company dated XX/XX/XXXX, showing they received the payment and there was a XXXX balance. 

XX/XX/XXXX, collection agency sent a response received from the management company and attached an invoice showing a XXXX  balance from management company. 

XX/XX/XXXX, I confirmed response and supplied all supporting documents to confirm payment was made and there were no fees due from the management company. 

XX/XX/XXXX, collection agency asked for proof and sent me a new invoice and added a {$100.00} fee XX/XX/XXXX, saying interest due. I sent a follow up the same day once again showing the initial payment dates and times of the initial payment arrangement and the invoice dated XX/XX/XXXX, showing a zero balance. I also disputed the additional {$100.00} because my ticket was still in dispute and we never heard back from the management company supposedly until XX/XX/XXXX. 

XX/XX/XXXX, collection agency sent response stating dispute being reviewed. 

XX/XX/XXXX, collection agency stated {$100.00} could be reversed since this was in dispute and stated I had to show burden of proof and they would ask management company for updated ledger. 

XX/XX/XXXX, I sent response with all supporting documents and provided my burden of proof they request. 

I never heard back from the collection agency with an updated balance, they never reversed the {$100.00} fee while I was in dispute and on XX/XX/XXXX, I received a letter from the collection agency stating a lien has been filed on my property, and I owe {$1200.00} by XX/XX/XXXX. The last I heard was my file was in dispute and I was awaiting an updated ledger. 

There is no breakdown of the {$1200.00}, and during this time my case was in dispute.
Consumer complaint received 2018-03-19
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Grant & Weber (FL)

XX/XX/2018 Phone calls placed at XXXX XXXX est, XXXXXXXX XXXX est, XXXXXXXX XXXX est, XXXX XXXX est and XXXX XXXX est ( call on a different number ). 

I spoke with XXXX XXXX at Grant and Weber at XXXX extension XXXX regarding a medical bill. I was asking questions about why the debt could not be negotiated and how then medical collections worked. My mother spoke with XXXX and was told she could not speak to a supervisor. I went back on the phone and tried to clarify more questions that I had. I was told numerous times after asking that I could not talk to a supervisor and eventually told " I will not transfer you. '' Once this phrase was spoken I immediately asked about the call recording policy. I requested to know how to get a copy of the phone call several times and was repeatedly denied. I was also told by XXXX " I tell you what happens. '' I called back four times after XXXX transferred me to a general voicemail after I brought up wanting a copy of the phone call. I called back to speak to someone else about getting a copy of the phone call and Grant and Weber will not answer my phone calls ( tried three times ), and when I called on a different phone with the same last name, hung up on me. The business practices used by Grant and Weber,  especially XXXX, are an attempt to force the consumer to blindly pay a bill without having their questions answered. 

XXXX refused to let me speak to a supervisor until I said the magic words, that I wanted a copy of the phone call. He then attempted to threaten me more by stating that " I tell you what happens. ''