davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

XX/XX/22 I received a text message from who I thought was Bank of America asking my daughter approved a {$2000.00} XXXX transfer by XXXX XXXX. Reply yes or no. I replied no. Then received a call from who I thought was BOA ( the caller ID showed that ). He said this person was trying to take these funds out of my daughters account and I confirmed that we did not know that person or approve the transaction. He told me he would help me stop the transaction from going through and what steps to take. The process involved moving money from one of our savings to her account to cover it from being overdrafted. He said we will create a new account for her then transfer the money to that account and close the other one. He had me type in her name and approve creating this account by replying YES to text he sent. This made sense to me. He had me hold a few minutes while talking to XXXX to have the pending withdrawal stopped. Then he came back on the line and said he realized that was another attempted withdrawal of {$1500.00} and he would stop that one too before the scammer was able to get to the money. I waited for quite a while keeping my eyes on my accounts and he came back on and said its being processed and will send me to his administrative specialist to approve and finalize the reversal of charges. A lady got on and said so sorry for any inconvenience but rest assured it will be taken care of now. She said it might take a while for the money to be back in my account. It was XXXX a.m. so I went to bed. Woke up to see {$3500.00} not returned to my account. I understand that the banks and XXXX will say I agreed to the transactions so its my fault and there isnt anything I can do. But how could have known it wasnt BOA and the fraud specialist was part of the scam? I have been affected financially and emotionally by this. The scammers are basically untouchable so there is no recourse there. But every day hundreds of thousands of innocent people are prayed upon sometimes losing their life savings in these types of scams. I wish there was a class action lawsuit to get our money back.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account and inquiry that is still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX -LOUISIANA XXXX Date XX/XX/2020 2020
Consumer complaint received 2020-10-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

In XX/XX/2020, I filed a dispute with the three major credit bureaus Experian, XXXX  and XXXX  about the unverified account XXXX XXXX acct # XXXX, XXXX credit account # XXXX and XXXX XXXX acct # XXXX. In over 30 days ago I haven't received a response. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies about these unverified accounts as of today and according to the FCRA these non responded accounts should be removed from my credit files. Thank you in your help in resolving this matter.
Consumer complaint received 2020-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (CT)

In XX/XX/2020 I received a telephone call from a company claiming they were collecting a debt I owed on behalf of XXXX XXXX. I told the caller I believed the information was incorrect and would contact XXXX myself. Caller tried to stop me by stating that wouldn't work, etc ; I basically cut them off and said I will contact XXXX and hung up the call. 

I have accounts with XXXX and have funds available in both accounts so this information seemed wrong. I called XXXX and reported the call to the XXXX representative. XXXX confirmed that I owed them no debt ; they checked my active accounts and did a general search using just my name. XXXX told me they are not involved in this collection attempt. 

Now in XXXX I have received a written request to settle this same false debt from a company called American Cordius International LLC. I have a copy of this written request from this company and will upload this below. 

I am reporting this false debt collection attempt to you and am simultaneously sending a registered letter to this company informing them that this debt is false and they are not to contact me again.
Consumer complaint received 2020-10-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CA)

Dovenmuehle holds the mortgage on my home since XX/XX/XXXX. I had made some additional payments towards principal in the first few months, till XX/XX/XXXX, totaling {$24000.00}. The principal owed seems incorrect. 
Last year XXXX, and again this year since XXXX I have been requesting a payment history since beginning of the loan, started XX/XX/XXXX. 
They promise, and nothing happens. 
I am refinancing the loan, and the payout is wrong. The Customerservice personnel do not have the requisite skills to reconcile my account, and refuse to connect me to their AR department. 
I am going ahead with the new loan with the wrong principal amount as I dont want to miss out on a great rate of XXXX XXXX 

I am in deadlock and hence taking recourse to seeking your services. I would like to see my account reconciled from start to end Thank you in anticipation. 
Best regards
Consumer complaint received 2020-10-07
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$630.00} past due as of XX/XX/2020. 
Account TypeCollection Balance {$630.00} Date OpenedXX/XX/XXXX Dispute Revolving Accountsshow tooltip button XXXX/XXXX/XXXX XXXX XXXX potentially negative icon Potentially Negative StatusClosed. {$820.00} written off. 
Account TypeCharge Card Balance {$0.00} Date OpenedXX/XX/XXXXDispute XXXX/XXXX/XXXX   XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeCharge Card Balance {$0.00} Date OpenedXX/XX/XXXXDispute XXXX/XXXX/XXXX   XXXX potentially negative icon Potentially Negative StatusClosed. {$540.00} written off. 
Account TypeCharge Card Balance {$0.00} Date Opened06/06/2018 Dispute StatusOpen/Never late. 
Account TypeCredit card Balance {$520.00} Date OpenedXX/XX/XXXXDispute Installment Loansshow tooltip button XXXX/XXXX  XXXX   XXXX potentially negative icon Potentially Negative StatusCollection account. {$890.00} past due as of XX/XX/2020. 
Account Type
Consumer complaint received 2022-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIRST NATIONAL BANK OF OMAHA (VA)

XXXX is in breach of its obligations under the Fairness in Credit Act, by refusing to disclose the credit information used in its decision to decline a credit card application. I have tried several times to request access to the information used to deny my application, to no avail. XXXX has, by law, 30 days to send me this information, and has failed to do so.
Consumer complaint received 2022-01-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERIS BANCORP (FL)

I bought a XXXX XXXX XXXX XXXX, new, from XXXX XXXX XXXX in XXXX, XXXX XXXX of XXXX. I still currently have a loan with Ameris Bank, former XXXX XXXX. I moved from XXXX to XXXX  XX/XX/XXXX. I applied for a tag XXXX XX/XX/XXXX. To this day, XXXX XX/XX/XXXX, Ive yet to get word the title transferred to the XXXX XXXX XXXX XXXX XXXX so I can go get my permanent Tag. Ive called probably XXXX - XXXX times now and have gotten the run around from Ameris Bank. XXXX  normally only gives a temp tag up to 90 days. They went to 120 waiting on that title. I cant drive my vehicle. Im 100 % XXXX Veteran. The treatment and lack of action is inexcusable at this point and something needs to be done. I just want the tag so I can drive to get groceries, and medical appointments. Ive exhausted all of my options. Please help.
Consumer complaint received 2022-04-15
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. (CA)

XXXX was fraudulently opened under my name using my personal records and information to obtain a credit card. THIS IS UNAUTHORIZED. There was a fraudulent charge or {$21000.00} and the account was opened on XX/XX/202. 

I have made several tried to find a solution with the bureau and the creditor. However, I have come to a dead end. Hence why I'm reaching out to the CFPB for help. I have also filed a claim with the FTC.
Consumer complaint received 2022-12-28
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. (TX)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privace and confidentiality under 15 USC 1681. 

XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 section 604A section 2. states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681C. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information ANY other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.S. 1681S-2 ( A ) ) 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-10-07
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Continental Services Group, Inc. d/b/a ConServe (MO)

T

his company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act
1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud
where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2022-08-22
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. (NJ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX XXXX XXXX Late Date XX/XX/XXXX
Consumer complaint received 2020-10-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

XXXX I got a mortgage with Citizens One. It included PMI. Over the next 10 months I did XXXX in renovations on my house. 
XXXX - Citizens One requires that if you want to apply to drop PMI, you have to write them a letter. They have no phone number or email address for this. It is very hard to get contact information. But I wrote my letter - detailing the improvements on the property and paying my fee to have a broker come examine it. 
XXXX - A broker goes to my house when I am not home. I get a call when he arrives with no notice. He drafts a report. The report says " Per the Owner/Borrower there have been no improvement since loan. '' This is clearly untrue. I need the appraisal to be about XXXX higher than my purchase price, and the changes we have done are transformative - but the broker does not know this - because no path was available for him to get that information. 
XXXX - I get the report in the mail. Getting a hold of customer service is a nightmare. When I can get a person, none of them know anything - they do tell me to call the broker. I call him. He says he has no data and my only course of action is to talk to the bank. I await a PMI specialist to call me - which has not happened yet. 

There should be a simple process for me to submit my information and it should have been taken into account by the broker. I paid for his assessment. I would like another broker to be assigned to go back, at no cost to me, to complete an accurate report and I would like to see that report reflect the list of changes made. 

In XXXX, I have completed a XXXX landscaping project that leveled a huge section of the back yard. The current report says that my sloped yard detracts from the value. So, this project should add even more value. 

At this point I have plenty of evidence to offer that PMI is not necessary - but the bank is purposely making it impossible for me to show them evidence of this. There is no reason the process should be this hard - but it is an advantage for them if it is, because then they keep collecting from me.
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

We have filed a legal dispute with a timeshare company, XXXX XXXX XXXX ( XXXX  ), since XX/XX/XXXX, for fraudulently induced timeshare agreements on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX,. As of this date, XXXX has ignored all correspondence to Cease & Desist collection attempts and have made no attempts to resolve the issue allowing us to be released from the agreements. 
The accounts have been turned over to their XXXX XXXX, XXXX XXXX XXXX ( XXXX ), who in turn reported it to the credit bureau, Experian. This reporting has caused our credit score to tank. Experian is now reporting the accounts as closed with foreclosure proceedings started. 
It is our understanding that under the laws of the Real Estate Settlement Procedures Act ( RESPA ), XXXX XXXX ( XXXX XXXX XXXX ) is unable to place derogatory credit information on their credit bureaus during this active dispute. In addition, any and all third-party collection and reporting activity is forbidden by the Fair Debt Collection Practices Act ( FDCPA ) of the Federal Trade Commission ( FTC ). 
We have repeatedly notified XXXX ( XXXX XXXX XXXX ) and Experian of their illegal activities and nothing has changed. 
We would like to have the money that we have paid into these agreements refunded and the derogatory credit reporting be removed.
Consumer complaint received 2022-06-27
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # 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 states : A consumer reporting agency can not furnish an account or account information without my consent
Consumer complaint received 2022-04-06
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. (MS)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2021-11-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Contacted PORTFOLIO RECOVERY, regarding XXXX collection accounts that are not mine. They can not prove to me that they are mine. I just get rude people telling me to pay then they will refund it they are wrong.
Consumer complaint received 2020-10-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (MA)

How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment duringXX/XX/2020. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2022-07-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (MD)

I tried to access my online savings/checking/HELOC account over the weekend of XXXX. I got an error message saying I needed to call. I called and there was a message saying they were doing website maintenance so I assumed that was the problem. I waited until XXXX. Still locked out. Called told there was a security lock on my account due to someone trying to access my information by phone fraudulently. I would need to visit a branch to rectify. I went to branch and was photo ID 'd and they established a code word I would need whenever I called about my account as an extra layer of security. However they said they were unable to remove the block I would have to speak to the security team via phone. I went home to call the security team. They are only available XXXX on weekdays and hold times are over 1 hour. I have a job and was unable to call from work. I finally took off Friday afternoon XXXX ( unpaid ) to try to call. I was on hold for 2 hours and 4 minutes. They were able to unblock my account. It is completely unacceptable that they were able to block my account for a week and I had to take off of work to be on hold for more than 2 hours. This was no fault of my own and it needs to be easier for customers to get through to access their own money. It was bad enough having to go to a branch in person -- but they were unable to completely resolve the issue. I also had no official notification that my account was blocked by email or in writing, I had to find out on my own.
Consumer complaint received 2024-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I put a freeze on my credit with Transunion about a month ago. Everytime I try to access my account the website says my information is invalid no matter how many times I reset my pw. I have called numerous times and they claim the problem is on my end and refuse to validate my account and unfreeze my credit.