davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Phoenix Financial Services LLC (FL)

Phoenix Financial Services has been harassing me with phone calls on debt that is not valid and debt that is past the statue of limitations in the State of Florida which is 5 years. They are reporting negative information on my credit report and attempting to make the debt seem like it just became delinquent which is making it appear like I am unable to pay my bills when my lenders review my credit. 

Phoenix Financial Services is violating [ 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debt and ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

Phoenix Financial Services started reporting negative information to my account at the three credit bureaus. I have submitted a debt validation letter via certified mail and phoenix financial has not responded. I have disputed this invalid debt that is past its statue of limitations by these debt scavengers and they refuse to delete the negative information from the credit bureaus. Phoenix Financial Services has cause my Credit Score to drop my XXXX points and I will take legal action if this invalid and zombie debt is not deleted from all three credit bureaus.
Consumer complaint received 2020-05-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC (AZ)

On XX/XX/XXXX and again on XX/XX/XXXX I answered my door to be served b XXXX separate debt collection agencies. I can not express the alarm this put me in. I am a high-risk individual with XXXX  XXXX XXXX and have a form of XXXX  XXXX by which i take XXXX XXXX. During this time the servers did not practice social distance, were not masked or wearing gloves and put me at enormous risk amid the Corona Virus pandemic, As it stands at this moment I could not tell you if they were carriers or not, I just have to wait and hope they were not. Taking advantage of a global pandemic is shocking and distasteful. I suffered a XXXX in XX/XX/XXXX and I can not even recall these debts nor research their validity. The risk these people took with my life is highly unacceptable and should not be practiced without proper protective gear or when the ability to do so is allowed. I have been sent home since XX/XX/XXXX, due to my high risk of the outcome if I contract the coronavirus.
Consumer complaint received 2020-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (VA)

I have repeatedly disputed the JEFFERSON CAPITAL SYSTEMS attempted debt collection of {$320.00} on a XXXX XXXX XXXX  account. I have no knowledge of this account and believe it was opened fraudulently by an ex-spouse. The collections account shows charge-offs starting in XX/XX/XXXX and each time I've disputed the account ; I receive the same answer " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). Re-investigation Information : This item was updated from our processing of your dispute in XXXX XXXX. ". This account is not mine and I've never used this account or obtained any gains from this account. I have also never received a statement or have any other knowledge on the nature of the account.
Consumer complaint received 2020-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (VA)

XX/XX/2020, my banking institutions emailed me alerted me that I exceeded my budget. I logged in to my account and I saw that Fay Servicing withdraw {$830.00} from my checking account. 
I called the customer service and spoke to a lady. She claimed that on XX/XX/2020, someone called in to make a payment transaction over the automated phone systems. I explained to her that I never call to make my payment to a robot. I always spoke to a human besides, my payment is due on the XXXX of the month. 

I asked her to get the name of the person who made the phone call. She went and checked, she came back and said sorry, I can't get the information of the person that ordered the payment. I said you don't protect my information against a thief they don't guard my bank account numbers in their systems. Then she told me to get the paperwork of my Bank transaction to send to her and they will refund my money. 

MY point is, Fay Servicing allows anyone to hack their system and steal their customer information specially the bank account the law should make that illegal actions. 

I went to my bank and file a fraudulent withdrawal from my bank account. Two days later the money was back to my bank account. Fay Servicing put my bank account information in danger. 

I want Fay Servicing to change its policy to protect all information from all borrowers in their systems. 
I was lucky enough to get my money back. What if I wasn't able to get my money. Fay Servicing will just say is not our fault. Its the fault of the telephone system.
Consumer complaint received 2020-05-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

HSBC is holding my money and keeping my account open against my wishes. On XX/XX/2020 I wrote to HSBC requesting they close my account and send me the remaining balance. That letter is attached for your reference. HSBC ignored my written request. I can not withdraw the remaining funds via ATM because the balance is less than {$20.00}, and HSBC 's ATM only dispenses cash in multiples of {$20.00}. I can not go into a branch for pandemic-related reasons. I really need that cash, and am tired of HSBC 's intentional delay.
Consumer complaint received 2020-05-08
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I am a victim of the coronavirus pandemic as many people are right now. Capital One Walmart Card assured me after making a {$25.00} payment after discussing a one month forbearance due to being a furloughed worker that my credit would not be effected. They even reversed late fees, but neglected to tell me that I still had {$3.00} remaining to bring my account current. So the total payment due was {$28.00}, I paid {$25.00}, and they're reporting {$3.00} past due because I was assured I would be fine. They're also reporting 30 days past due, when I was not 30 days past due. With the current global economic situation, I find it unethical to even report payment history to the credit bureaus. Fair business practice is not a thing anymore apparently. Fair credit reporting is a thing of the past. Now I'm dinged 20 points because I was misinformed, and their lack of empathy is appalling. I will be cancelling this card.
Consumer complaint received 2022-09-21
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: Experian Information Solutions Inc. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-09-12
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

This is the list of account which do not belong to me or were opened without my permission. 
XXXX XXXX LA XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2015 Balance : {$0.00}
Consumer complaint received 2020-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I have repeatedly disputed the PORTFOLIO RECOVERY ASSOCIATES attempted debt collection of {$1300.00} on a XXXX XXXX. account. I have no knowledge of this account and believe it was opened fraudulently by an ex-spouse. The collections account shows charge-offs starting in XX/XX/XXXX and each time I've disputed the account ; I receive the same answer " Completed investigation of FCRA dispute - consumer disagrees. Re-investigation Information : This item was updated from our processing of your dispute in XX/XX/XXXX. ". This account is not mine and I've never used this account or obtained any gains from this account. I have also never received a statement or have any other knowledge on the nature of the account.
Consumer complaint received 2020-05-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (OH)

I was approved for a checking account with Suntrust bank on XX/XX/2020. A few days later, I received my Stimulus check from the government in the amount of {$1200.00}. I deposited it into my new account on XX/XX/XXXX. On XX/XX/XXXX, I deposited {$75.00} in checking and {$25.00} in savings. On XX/XX/XXXX, I was informed the account was closed. 

The first time I spoke with customer service regarding the closure of my account was XX/XX/XXXX, at which time I was told that I had restricted access. I spoke with them again on XX/XX/XXXX when they told me they were in the process of closing the account and that it would take 15 business days to complete the closure and another 15 days to mail the check out. I called again on XX/XX/XXXX to follow up and they stated the same thing but directed me to XXXX XXXX. He told me he spoke to the Legal Team of SunTrust and they said that they could do nothing to expedite it. He could do nothing to expedite it. He said they have every right to hold even government checks. It is not against the law to do so. He then provided me with a phone number to the fraud department. 

On XX/XX/XXXX, my mother called them to see what she could do. They told her the same thing. They claimed they expedited the complaint but could do nothing more. 

I wanted to try to reach out to their corporate offices ; however, they would not provide me with the phone number and the number on the Internet is incorrect. According to the party that answered the phone, they have been told to take down that number, but they have not done so, as of yet. I am very much afraid that they are not going to send me the money, as I am XXXX with XXXX, XXXX, and XXXX  XXXX. I am in desperate need of this money to get my medications.
Consumer complaint received 2022-07-22
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (NC)

We spent four hours on the phone Tuesday XX/XX/XXXX to get the conditional approval so there wont be an issue. The loan officer is literally the most incompetent  person Ive ever spoken to. I had uploaded income documents to the portal and he never checked it, only used documents I had emailed him which was half of our income. Didnt input our assets or savings account so the file showed we were $ XXXX short for cash to close, and didnt send us the conditions from the XXXX that needed to be cleared. Just told us it was suspended. I called my bank and gave them proof of assets and additional income on Wednesday via email and the portal and confirmed receipt. The conditions were cleared and file went back to XXXX. I dont understand why the process is so difficult for them to grasp that time is of the essence but theyre doing a disservice to everyone involved. We are now at risk of being sued by the seller and forced to close, but we want to close with a loan and not in court. We were granted prepossession of the property on XXXX and contract closing was XX/XX/XXXX. Its not XX/XX/XXXX and we have extended our rate lock and closing twice, with no end in sight. The lender is refusing to answer emails, calls, or texts, and only states the file is in XXXX review when we berate him.
Consumer complaint received 2021-12-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MS)

On XX/XX/2016 opened a collection. 
Account # XXXX XXXX $ that I owe I have never signed any document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 

Also they have not verified that I owe this debt to this alledged company. 
Please have this removed from all three credit bureaus XXXX XXXX
Consumer complaint received 2022-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting Act my rights have been violated as a consumer Pursuant to USC 15 1681a ( 1 ) Congress makes it clear that the banking system is dependent on accurate and fair consumer file reporting. My file is in fact not accurate nor fair. Without consulting with me first, your company received false information from alleged creditors and debt collectors and furnished my consumer report before confirming if such information is valid. This is indeed unfair credit reporting. 

It is the purpose of the subchapter USC! 5 1681 ( a ) ( b ) that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit in which a manor that is fair and equitable to the consumer. This information is not relevant, fair, or accurate and was improperly used. There were no reasonable procedures meet I wasnt even contacted about this manner. 

In addition based upon USC 15 1681 ( c ) ( 2 ) a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft no later than 4 business days after the date of receipt. It has been beyond 30 days and I would like this false information removed because it is inaccurate and causing financial damages. 

This does not comply with the subchapters of the FCRA ( Fair Credit Reporting Act ) and if you do not remove these inaccurate accounts I will have my information removed from your database and no longer do business with any financial institutions that uses your company to receive my information.
Consumer complaint received 2019-09-03
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rossi Law Offices, Ltd (WA)

XX/XX/2019 - I received a letter from Rossi Law that I owe {$130.00}. 

CREDITOR NAME : XXXX XXXX XXXX XXXX   XX/XX/2019 - I sent a letter requesting verification of the debt, copies of the original, signed and dated transaction. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Rossi Law Offices LTD XXXX XXXX XXXX XXXX XXXX XXXX RI XXXX XXXX : Account # XXXX The purpose of this letter is to dispute the debt of {$130.00}, for which I received notice of collection on XX/XX/2019. 

Please send verification of the debt or a copy of the judgment against me. Also send the name and address of the original creditor, and copies of the original, signed and dated excise transaction. Any other details you can provide will be most helpful for resolution. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I did not receive any verification information. 
XX/XX/2019 I spoke with XXXX at Rossi Law. Her answers were ambiguous. She said it is illegal for her to send me that information. 

I want the information that is associated with my name in this debt account.
Consumer complaint received 2021-07-27
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. (TX)

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$470.00} ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$1200.00} ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$240.00}
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX XXXX XXXX and Transunion are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: ID Analytics, Inc. (GA)

In XX/XX/2020 I completed the online process to request a security freeze with data reporting company SageStream , LLC. I also submitted a request for a copy of my consumer report that they have to be disclosed to me. I never received confirmation of my request. I never received a pin number for the security freeze I requested. I have called their number XXXX XXXX XXXX XXXX numerous times and no one has ever picked up the phone. The line instructs to leave a message and someone will get back to me. I left numerous messages and NO ONE EVER got back to me. SageStream , LLC is a for profit data reporting company that has information on consumers and it is unacceptable that they are evading responding to a consumer that they are reporting informaion on. I have not been able to review the report they have on me or confirm any inaccuracies in their report. I want SageStream , LLC to stop violating my rights and to produce a copy of my report and confirmation of the security freeze I originally requested.
Consumer complaint received 2022-07-22
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Portfolio Services, Inc. (AL)

I have sent several letters and called consumer portfolio services who are reporting a repo on my credit. Today is actually the XXXX day since I wrote them the first time and they refuse to verify the debt. I have asked for a sign contract and also the info from auction as I was not notified of anything. They will not return my calls nor letter. Since they can not verify it should be removed from my credit.
Consumer complaint received 2023-05-13
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: U.S. BANCORP (OR)

I cashed my check from XXXX of {$1900.00} to the XXXX XXXX U.S Bank branch ATM In XXXX Oregon on XX/XX/23 at XXXX. When I cashed my check they made {$200.00} result available to pull out until the rest cleared on Monday XX/XX/23. On this day ( XXXX ) I checked my account and it was negative {$230.00}, I called to see what happens and they said they took it back towards my check and said it would finish clearing on Tuesday XX/XX/23. When that Tuesday came around it still hadnt been cleared. We called the bank again asking what the issue was as it was a well established business paycheck. Not someone personal Checking account. They said they were unable to reverse it and it would clear on XX/XX/23. By this time I will have already had a second paycheck. They have yet to give a reason as to why a work paycheck would be held for two more weeks, as well as refused to fix the situation.
Consumer complaint received 2021-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

Hello, Bank of America is preventing me from disputing a charge on my credit card and I need CFPB 's help. 

On XX/XX/2021, I made a {$250.00} purchase for a product that was defective. The company did not tell me at the payment that the product was not refundable. Only when I realized that the item doesnt work and took it back to the store that I was notified. The customer service did take the item back and promised to call me back. They called me back on XX/XX/2021, when I was driving. I promised to call back for safety reasons and I did. After two attempts, I left a voicemail and received no call back. Since then, I have been trying to reach Bank of America to dispute the charge. Surprisingly, BOA does not allow for an online filing. A phone number is provided for call. Not only that no one responds to the call, I have to wait indefinitely without any idea of how long. 
I found this suspicious and stressful especially at the time when my family and I are facing scarcity of resources.