davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My wife and I were solicited by XXXX XXXX XXXX Bank of America XXXX for a better rate with potential of thousands in savings and the best ever rate on our Home Equity Loan. She promised an smooth fast and solid experience, but instead, Bank of America after running our credit reports ( mine with the wrong last name ) without our consent and without even going through the documentation they refused the loan. 
In addition, XXXX XXXX boss XXXX XXXX XXXX requested that I have to provide reports from all three credit bureaus and he is playing hard ball. Never even apologized, and tried to blame my credit retreval failure to the freeze of my credit account ( my wife 's account has a freeze too, but were able to obtain her credit score-attached, XXXX never disclosed anything about removing a freeze and we were not there anyway, never signed any documents to approve anything ). 
I personally feel that I was discriminated and I can see that there is a conflict of interest giving us the opportunity to save money. We never missed a payment, and we have multiple accounts with Bank of America, and this is not the first time we believe that we have been discriminated. 
We feel they were never intended to approve our application, although our credit is excellent, and we have a lot of equity in our home. There is no absolutely any excuse to deny our application. According to XXXX XXXX, our savings just up to end of XXXX would be about {$1000.00}, but instead we funded 2 monthly payments so far of approx. {$3000.00}. We are seeking legal advice for damages we have suffered, these people are licensed and have obligations. People responsible for our losses and frustration must be help accountable!
Consumer complaint received 2023-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (GA)

In I believe XXXX of 2022 I purchased a wig from XXXX XXXX XXXX for {$36.00}. I asked for a 20 inch. When I got to my car I noticed it was a 12 inch so I went back in to exchange the wig. The store owner would not exchange or return the wig. There was no reason not to exchange the wig. The would not exchange the wig or return it. I called Chase Bank to ask for a refund or to reverse the charge. They told me they would reverse the charge and told me to return the wig. I returned the wig the next day as Chase Bank told me to do. Chase Bank told me they would issue me a credit. The credit was issued but then Chase Bank decided to pay XXXX XXXX XXXX after all. After they had me to take the merchandise back to the store. So now the merchant has the merchandise and my payment of {$36.00}. Chase is refusing to refund my money back to me or help me recover my merchandise. A fair solution would be for Chase Bank to refund me my {$36.00}. They can listen to the call, their representative told me to return the merchandise. I returned it and then they returned the money. That is unfair to me as a consumer.
Consumer complaint received 2020-05-28
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. (AZ)

XX/XX/20 XXXX This account does not belong to me and has inaccurate information about me reporting to the bureaus and bureaus have not verified the information. I have asking for verification and validation of this account. The collection agency/lawyer replied back with inaccurate information.
Consumer complaint received 2020-05-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Starting on the XX/XX/2019, I fell victim to a fraudulent Crypto Currency company named XXXX ( the Company ). Money was transferred from my account to the Company via wire transfer for a total amount of XXXX GBP utilizing Coinbase services.
Consumer complaint received 2020-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CT)

I attempted to clarify a technical issue using my debit card to make a purchase from Farfetch.com on XX/XX/XXXX in the amount of {$890.00}, the live chat rep by the name of XXXX stated my account does not have sufficient funds as of today, XX/XX/XXXX, transaction was authorized on XX/XX/XXXX when account had sufficient funds.. The account showed a pending charge in the said amount, {$890.00}, from XXXX on XX/XX/XXXX. However, I received an email from the merchant today stating order was cancelled for security reasons, their rep stated there is no block on their end and after looking into it further, Citibank declined it for whatever reason ... I suspect it was decined due to high amount, location of merchant, and or past fraud charges from another merchant which I reported recently and prior debit card ending in XXXX was closed out.. XXXX did not understand what I was explaining, the account was authorized, account had sufficient funds to cover it on XX/XX/XXXX, it was cancelled by Citibank..It appears to be a technical issue or Citibank flagged it because of amount and or location of merchant..As stated before, I attempted to clarify this but the live chat rep did not understand.
Consumer complaint received 2020-05-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE (AZ)

Barclays Bank offered a settlement ( in writing ) in XXXX XXXX, for a credit card debt with them ( 35 % of the total balance ). All payments were made, and on time. After the last payment was made, they apparently wanted to collect the remainder of the debt. They didnt acknowledge the final payment was made, and demanded the entire balance. They continued to disregard that the settlement agreement was fulfilled, and when I refused to pay any more ( all the while reporting a bad debt and lowering my credit score ), they eventually charged off the debt and sold it to XXXX XXXX in XXXX. Now in XXXX, the last few months XXXX XXXX is aggressively pursuing the entire debt, even to the point of sending the debt to a debt collection law firm, I assume to file suit. As XXXX XXXX investigates my disputes of this debt, all they are getting from Barclays Bank are credit card statements showing the total amount of the account and total debt which was sold to them. There is no acknowledgement of the settlement agreement which was offered and put in place by Barclays Bank, or that I paid the agreed upon payments according to the agreement. They apparently just did not take the last payment so they could claim the agreement was not fulfilled, thus allowing them to charge off and sell off the entire balance. I have kept copies of the agreement and statements from the bank used to pay the 4 agreed upon payments, so that will be my evidence if this comes before a judge. Those documents are uploaded with this complaint.
Consumer complaint received 2023-02-22
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: Fidelity National Information Services, Inc. (FNIS) (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX To Whom It May Concern, While checking my most recent report that your company maintains under my social security number, I noticed credit inquiries that I did not authorize, made by the following companies Inquiries : XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my report that your company maintains under my social security number. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : Your Name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Consumer complaint received 2021-12-03
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MO)

I have previously disputed this item with Equifax ( Bankruptcy XXXX ) and their response is this bankruptcy was verified accurate on XX/XX/2021, stating that they have verified the information with XXXXBankruptcy court XXXX I contacted XXXX Bankruptcy courts and their response is enclosed in this statement. XXXX was unable to verify the accuracy of this bankruptcy and subsequently removed this record from my credit report. Bankruptcy courts does not report any information to the credit bureaus and is NOT responsible for verifying or validating information to consumers credit files. The reporting requirements do comply with the FCRA & 611 ( 15 U.S. & 1681 ) and this information should be deleted immediately.
Consumer complaint received 2019-08-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

A late 30-day payment mark on my credit report for XX/XX/2019 should not have happened. We contacted Loancare on XX/XX/XXXX, via recorded phone call, to make a payment arrangemet in advance of the 30-day late date. We were told on that phone call by a representative that we would be able to take our XX/XX/XXXX payment and spread it out over six months so that we would not incurr a late payment charge. It was also explained that we could move our next payment date to XX/XX/XXXX. We were assured on this recorded phone call multiple times that this would bring us current and we would not incur any penalties or negative marks on our credit report.

On XX/XX/XXXX, after this phone call, Loancare issued a letter stating we would still owe a full payment by XX/XX/XXXX. This letter was sent via postal mail only and was not covered on our recorded phone call. This letter did not ever reach our home, nor would it have prior to the XX/XX/XXXX date - just 3 days after our phone call. Because of this we recieved a 30-day late payment mark on our credit reports that was due to decieptful and inaccurate information practices by Loancare.

Prior to this we had no late payments for the life of the loan with the company, nor any late payments on our credit report for over a decade. We attempted, in advance of a penalty, to resolve this with Loancare and assumed we had based on the recorded phone call. After multiple attempts to resolve this with Loancare, they refuse to discuss the matter, will not provide a copy or transcript of the recorded phone call, and refuse to correct/remove the 30-day late mark on our credit report.
Consumer complaint received 2020-09-21
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: EQUIFAX, INC. (PA)

Equifax sent a notification to the cfpb about a ongoing investigation. Investigation took over 30 days and all they did was put a remark on the illegal collection account. I was balance billed by The XXXX XXXX XXXX and it was sent to XXXX XXXX and reprted to equifax as derogatory. 
Balance billing is illegal in pennsylvania. As i am on the federal XXXX and state XXXX program. Please delte off of credit report under state law if crpb can not be apart of this please refer complaint to the appropriate state or federal authority rather then close the complaint.
Consumer complaint received 2020-05-28
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. (FL)

Experian and XXXX are reporting incorrectly a collection/chargeoff in the amount of {$3300.00} on the XXXX partial account number XXXX, as well as reporting incorrectly a collection/chargeoff of {$730.00} partial account number XXXX. ( Please see pages attached from my credit report. ) In addition, the bureaus have changed the opening date on these accounts to XXXX, and they have also changed the account numbers. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I request that these line items be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (GA)

NOTICE OF CEASE AND DESIST TO WHOM IT MAY CONCERN. 
I XXXX XXXX XXXX XXXX, a federally protected consumer, here by put RECEIVABLES PERFORMANCE MANAGEMENT , LLC, A debt collector a formal notice of violation, in reference to an account they are furnishing on my credit report. 
RECEIVABLES PERFORMANCE MANAGEMENT , LLC XXXX According to 15USC 1692a ( 2 ), the term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 
As per the literal interpretation Any Medium : includes any oral, written, electronic or any medium. 
Therefore, furnishing of the consumer report ( bearing information regarding the alleged debt ) by the company will amount to communication as per Fair Debt Collection Practices Act ( FDCPA ) Pursuant to my right as per 15USC 1692C ( C ), I am hereby providing you formal notice to cease any further communications regarding this account immediately, this includes but not limited to telephone calls, social media, or any consumer reporting agency. 
Any further contact by your agent or company, except a communication confirming your acknowledgement of this letter, is in violation of Fair Debt Collection Practices Act ( FDCPA ). 
I do not have any business with your company, and I do not owe this alleged debt. 
A charged off account is an ordinary income and kindly provide the 1099 c document from who ever sold this account to you.

If you do not remove this account in 5 working days, you will be civilly liable to me for actual damages you have caused me mentally and financially. 
This is a warning, take this seriously. 
Thank You for your cooperation. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-05-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC (FL)

Last year I borrowed {$400.00} from this Business. Below is the payment activity taken directly from their website, and it's still not over, I received an email today stating " Your Installment of {$240.00} will be debited on XX/XX/XXXX ( Tue ). You can also schedule a Pay in Full for {$310.00} '' This {$400.00} Loan will cost almot {$2000.00} to payoff. How is that possible in America? 

Date/Description/Principal/Cash Advance Fees/Finance Charges/NSF Fee/Total XX/XX/XXXX Payment ( {$79.00} ) {$0.00} ( {$160.00} ) {$0.00} ( {$240.00} ) XX/XX/XXXX Payment ( {$45.00} ) {$0.00} ( {$200.00} ) {$0.00} ( {$240.00} ) XX/XX/XXXX Payment ( {$36.00} ) {$0.00} ( {$200.00} ) ( {$30.00} ) ( {$270.00} ) XX/XX/XXXX Payment ( {$36.00} ) {$0.00} ( {$200.00} ) {$0.00} ( {$240.00} ) XX/XX/XXXX Payment ( {$3.00} ) {$0.00} ( {$240.00} ) ( {$30.00} ) ( {$270.00} ) XX/XX/XXXX Payment ( {$3.00} ) {$0.00} ( {$240.00} ) {$0.00} ( {$240.00} ) XX/XX/XXXX Payment ( {$48.00} ) {$0.00} ( {$190.00} ) {$0.00} ( {$240.00} )
Consumer complaint received 2020-05-28
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: EQUIFAX, INC. (TX)

I disputed negative and erroneous items on my credit report, and i haven't heard a response back yet, and its been pass the 30 day deadline. I sent off letters via certified mail on XX/XX/2020 they received said mail XX/XX/2020. EQUIFAX and XXXX
Consumer complaint received 2020-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE.
Consumer complaint received 2023-02-22
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. (MD)

Notice to Agent Notice to Principal ALL CONTRACTS ARE VOID! This is the truth and nothing but the truth. If it is not THE GREAT LAW, I XXXX XXXX XXXX the living SOUL, Will not take part or honor any law that governs the jurisdiction of an illegal fiction. I will not converse in any law that is not The Great Law. Meaning adhesion contracts are hereby NOW void because they werecohesion by deception, This is Written Notice to cancel, settle, discharge, delete, destroy, burn, eliminate disappear, get rid of all illegal fiction contracts. The United States government and the Pope has been deceiving XXXX XXXX XXXX by promoting adhesion contracts, coercive laws, deceptive laws written under the pretax of our government, but its been fraud the whole time.Notice to agent is Notice to principal.I have a bandit all contracts due to the fact I have been deceive through legalese, and I have been trapped in the deception since XXXXMy birthright and blood rights has been taking away without my consent.This is Public Notice to ALL coming from XXXX XXXX and The Great Law of The REAL Americas ALL CONTRACTS ARE HEREBY VOID DUE TO NON-PERFORMANCE BY THE GOVERNMENT AND THERE CORPORATIONS! This is a Cease and Desist to all parties involved with trying to XXXX without any lawful jurisdiction to my illegal fiction. Any corporation using any form of UNIFORM COMMERCIAL CODE or Maintaining a database of any information containing the name XXXX XXXX XXXX date of birth XXXX, Social security number XXXX is FIRED. Attached are copies of my identification and The American Declaration on The Rights of Indigenous Peoples!
Consumer complaint received 2020-05-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (CA)

I submitted a dispute through XXXX XXXX regarding a collection matter with XXXX XXXX XXXX and requested more information regarding the collection. XXXX XXXX XXXX Sent me a notice from Victoria Secret dated XX/XX/XXXX stating they sold debt That has a charge off date of XX/XX/XXXX to XXXX XXXX XXXX. XX/XX/XXXX is a long time ago but I am pretty sure that I settled that Balance with Victoria Secret. I submitted another request for more information as I need to validate the charges and payments received to see if there is truly an outstanding debt. XXXX XXXX XXXX then sent me a letter stating that they have completed their investigation and they feel its valid and stated that they will not respond to any future requests. With the letter is one statement with 1 charge for a Late fee of {$35.00} on XX/XX/XXXX. I feel that I have a right to be provided a complete transaction history to support the {$1100.00} that they claim I owe. They sent a 2nd letter indicating that my electronic file lists the following and typed up my Name, last 4 of my social and a date the account was opened and a last pay date of XX/XX/XXXX but no actual statement to substantiate that information. Honestly, even the proof they sent from Victoria Secret looks like they typed it up. At this point I want a complete transaction history for the account I have also requested payment information from my bank for payments made to Victoria Secret but it was so long ago I have to wait for the bank to send it to me.
Consumer complaint received 2020-05-29
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: Westlake Services, LLC (FL)

Since XXXX I have attempted to resolve this dispute with Westlake Financial Services Inc, and the CRA 's. My identity was stolen by my twin brother, who financed a vehicle in my name and opened several credit cards and bank account in my name, my credit score at that time was XXXX, it is below XXXX now. I submitted an FTC Identity theft report and police report to Westlake Financial Services over ( 3 ) times over the course of 4 years. When I file a dispute with the CRA 's, and notify them that I am the victim of identity theft they keep reporting the information furnished by West Lake Financial as accurate and will not allow me to submit another report. I supplied the FTC Affidavit and Police Report to the CRA 's and still no change.
Consumer complaint received 2020-05-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX, XXXX XXXX XXXX Company Inquiries : XXXX/XXXX XXXX XXXX  XXXX XXXX