davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I mailed letters to all three credit bureaus on XX/XX/2021 to file disputes on incorrect information on my reports. Ive attached a copy of my XXXX letter as an example. I informed them of the incorrect information on my credit and requested that the items be removed, however I havent received a response from the credit companies within a timely manner which goes against their own company policies, and my rights as a consumer.
Consumer complaint received 2021-11-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (GA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : MIDLAND FUNDING XXXX Balance {$590.00}
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. (LA)

In accordance with the fair credit reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, 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 : its also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

NOTE : ADDENDUM TO CASE # XXXX Re : Addressing the mishandling and suspected unfair, coercive, and deceptive practices of Bank of America in violation of consumer protection.

In addition to my original complaint explanation, the following is to be included. 
A final response from Bank of America occurred in late XXXX which to date CFPB was unaware of when I contacted them. The Bank representative stated that she was calling to inform me ( 4 months later ) that my late fee would not be refunded because your statement was mailed to your address and she repeated my address to me to validate her claim! This was the 5th Bank employee that read the scripted response AND each one telling me that the way to prevent this from happening was to receive online statements. I know I never received the statement and I told each person I didnt and that I dont want online statements. This was the common theme from Bank of America ... .online statements. 
I restate that I have never been late with a payment. My credit history speaks for itself. I paid the balance immediately over the phone. I never received a statement. And it is obviously a red flag that a one time courtesy was not offered! Since my original filing with CFPB, Bank of America has sent out an email to its clients warningin essence that the US mail system could greatly affect banking transactions. The defensive approach by the bank is personally apparent regarding my complaint and smacks loudly of coercion. 
Now : I offer below photos of deliveries and mail I received at my address in the past four weeks that were delivered to the wrong address. Four pieces of mail there were not mine, a sympathy vase of flowers for some grieving family, a meal order that was someone elses dinner, and to top off all the mail/package delivery errors ... a packed-in-ice case of my husbands XXXX  that was delivered two streets away! 
For Bank of America to stand haughtily in the way of what is fair and right claiming because they mailed the statement and i therefore received it, is something that needs further investigation to determine whether there is a pattern of enticing consumers to enroll in online statements.
Consumer complaint received 2021-11-02
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: Credence Resource Management, LLC (TN)

There are 2 companies reporting XXXX XXXX XXXX collections on my credit report for the amount XXXX. One company is from XXXX XXXX the other is from credence resource management. Im not familiar with any of these companies. I dont owe them anything and now it looks fraudulent. I havent had a service with XXXX XXXX XXXX since 2017. The dates and amounts are inaccurate and the companies are unrecognizable, and Ive never did business with them
Consumer complaint received 2021-11-02
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: ONLINE Information Services, Inc. (NC)

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : Pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

TransUnion has on my credit file wrong address in which every time I turn around there creating address with same address with wrong information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX this is wrong Then there XXXX  XXXX XXXX with no XXXX XXXX Then there XXXX XXXX XXXX XXXX XXXX NV XXXX Right Address is XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX I'm also filing a complaint with US Attorney office on this matter. Every time I don't check month to month Transunion starts this wrong information again
Consumer complaint received 2021-11-02
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.C. System, Inc. (TX)

This is a HIPAA Violation. On XXXX someone called me from I C Systems stating that they bought my account on a already closed account and stated we will call and give out your information and talked rude to me with foul language. They then called a family member on XXXX and provided all information. This account has been closed and was no longer reporting under the original company. They then said just for that they will place it back on my credit and it is showing up on my reports. This is illegal and they shared my personal information and address.
Consumer complaint received 2022-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have a Bank of America credit card that had fraudulent charges from XX/XX/2022 - XX/XX/2022 for a total of {$520.00} : XX/XX/2022 : XXXX XX/XX/2022 : XXXX XX/XX/2022 : XXXX XX/XX/2022 : XXXX XX/XX/2022 : XXXX XX/XX/2022 : XXXX XX/XX/2022 : XXXX On XX/XX/2022, I froze the card through the Bank of America app and called them to inform them of the fraud. However, I got a letter dated XX/XX/2022 that informed me that my claim was denied since my chip was read, which is not possible as I keep this card in a drawer at home and it has never left my apartment this year. It's also odd to me that it was rejected as I first noticed the fraud as a result of a Bank of America notification informing me of unusual activity.
Consumer complaint received 2021-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

While I am in XXXX, I have tried to make purchases with my capital one venture one credit card online, but have been unable to because I don't have access to my US cellphone number, and capital one requires a text based one time password to authenticate me for online purchases, I called multiple times asking them to turn it off or verify a different way, but they wont. An advertised as " travel '' credit card that is impossible to use for online purchases while traveling is not cool.
Consumer complaint received 2021-11-02
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: AMERICAN EXPRESS COMPANY (FL)

I had reserved rooms at both the XXXX XXXX and the XXXX in XXXX XXXX for a trade show. XXXX XXXX canceled my flights to XXXX XXXX after i took the first leg of my trip.I immediately called both hotels and was told my reservations would be canceled without me being charged anything and that any deposits would be refunded. When i returned to XXXX a immediately called american express. they contacted both hotels and told me i would be issued full refunds and now they are denying my disputed
Consumer complaint received 2021-11-05
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: RS Clark and Associates, Inc. (NE)

My mother had gone to the doctor and my father, who has the same name as me, was supposed to pay off the rest of the bill for the doctor with his insurance. My father was in XXXX at the time and the debt collector of RS Clark and Associate, looked under my mothers relatives and saw that I had the same name as my father so they did not look to make sure it was him and charged me with the bill, and I never knew because I was gone in college at the time and they thought they billed my father. I did not know until I got a alert from my bank that my credit had dropped 44 points for a closed account that I never opened and when I called the debt collector they told me that they could not do anything but make me pay for it and it will take at least two months to get off my credit, when it was their fault that they charged the wrong person.
Consumer complaint received 2021-11-02
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. (NY)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last complaint sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiry listed below is still reporting on my Credit Reports : XXXXDate of Inquiry XX/XX/XXXX
Consumer complaint received 2021-11-02
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: Receivables Performance Management, LLC (TN)

There are 2 companies reporting XXXX XXXX XXXX collections on my credit report for the amount XXXX. One company is from Receivables performance the other is from credence resource management. Im not familiar with any of these companies. I dont owe them anything and now it looks fraudulent. I havent had a service with XXXX XXXX XXXX since 2017. The dates and amounts are inaccurate and the companies are unrecognizable, and Ive never did business with them
Consumer complaint received 2021-11-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (KS)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the MIDLAND CRED ( Original Creditor : 01 XXXX XXXX ) still remains on my credit report in violation of Federal Law. The Credit Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2022-06-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Florida XXXX RE : EXTORTION RE : XXXX RE : XXXX XXXX XXXX XXXX XXXX FCRA VIOLATIONS RE : YOUR INVESTIGATION WITHOUT PHYSICAL VERIFIABLE PROOF RE : INQUIRY WITHOUT PHYSICAL VERIFIABLE PERMISSIBLE PURPOSE XXXX Thomas/Federally Protected Consumer to XXXX, EQUIFAX, XXXX. I am a natural person who is at all times relevant. I am aware My nonpublic personal information should not have been disclosed without my lawful consent. 

Your company is following orders to keep your codefendants/clients happy. I have reason to believe Your company and your codefendants/clients are participating in racketeering/extortion criminal behavior. Your company is being impartial to my right to privacy. Send me verifiable proof your company is using my information in a manner that is fair and equitable to me the Consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of my Consumer report. 
Your agency has stated you have completed a proper investigation into EACH soft and hard inquiries you have allowed without my written consent. SEND THE REASON EACH OF THESE INQUIRIES WERE MADE AND SEND ME EACH COMPANIES PHYSICAL VERIFIABLE PROOF OF THEIR PERMISSIBLE PURPOSE TO HAVE ACCESS TO MY CONSUMER REPORT. 

YOUR AGENCY CONTINUES TO IGNORE EACH REQUEST IN EACH CORRESPONDENCE. I AM COMPILING ALL EVIDENCE AS REQUIRED FOR DISCOVERY IN COURT AND/OR ARBITRATION VERY SOON THANKS. 
15 USC 1681e : Compliance procedures 15 USC 1681b : Permissible purposes of
Consumer complaint received 2021-11-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: KEYCORP (OH)

XX/XX/2021 I applied for a cashout mortgage to pay of credit card debt. My current mortgage has FHA mortgage insurance and my credit score is now high enough that I can remove that cost, and the savings would allow most of the then {$32000.00} credit card debt to be paid off. 

The timing was 3-4 months to close.

Expecting that timing, I paid half down for a fence ( {$8000.00} ) and was then told I needed an appraisal. I had one done not so long ago, however Key was insistent that this was needed for a cash out. I have found this to be true from other lenders. The appraisal came in {$270000.00} and the statement, " XXXX ; No updates in the prior 15 years ; The kitchen and bathroom are dated. Some of the interior decor and flooring are dated. The basement has some dampness which is often typical in these homes. There was no standing water or foundation damage. The estimated cost to waterproof the basement is {$10000.00}. The third floor is treated as a line item instead of being included in the overall GLA since its value contribution is far less per square foot than the first two floors. Also, public record often does not publish the finished area GLA. The wood shingle exterior is ready for paint. '' The interpretation of this was that I MUST waterproof, and the cost was {$11000.00} and could not be done until XXXX. So I had to use IRA money and credit cards to pay for the waterproofing and other maintenance. 

I also have come to understand that there is some leeway in the interpretation. Even after paying for half the water proofing Key was adamant about not closing until waterproofing was complete. Nor would they use the appraisal less the amount of waterproofing for a loan. 

I was not adequately informed about the consequences regarding an unfavorable inspection, I've had several appraisals for this house and also other property I've owned and have not had any adverse information. 

I was told to use my Key XXXX XXXX and Credit card, current credit card debt is {$59000.00}. I am now not getting any answer from the appraiser and after that was told it would be several more weeks for underwriting to approve. And using my past experience with this, I'm anxiously awaiting what other cash layout awaits me. 

I also believe some of the strict underwriting rules need to be reexamined to accommodate retirees with substantial XXXX, pension in lieu of working monthly income.
Consumer complaint received 2021-11-02
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: Bread Financial Holdings, Inc. (FL)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by 3 bureaus. Despite sending them the letter, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, 3 bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account :
Consumer complaint received 2021-11-02
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. (TX)

I contacted XXXX XXXX XX/XX/XXXX about disputing an amount on a debit that was incorrect. They said they verified it and I replied XX/XX/XXXX to dispute that again. And responded yet again XX/XX/XXXX when they reverified again. I still have it on my credit and was refused credit because of it
Consumer complaint received 2021-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (VA)

I have a student loan with Nelnet. I have been paying the same amount, which is well over the amount due, for many months and the amount applied to principal and interest is different each month. I have a fixed interest rate. The company said it is because the interest accrues daily and sometimes I pay on the 15, and others on the 22. ( I always pay before the due date. ) They said the different due dates are the reason for the different interest/principal payments but some months it varies by hundreds of dollars and zero goes to principal. This is very different from my other loans with different providers. The people I have spoken to have to speak to their supervisors and never seem confident in the information they give me. Today, they said to pay the same day every month and eventually the payments to interest and principal would be consistent. 

I also asked if they could let me know what the payment terms would be if they took me off the extended repayment schedule and, after speaking to a supervisor, they said that taking me off that extended payment so I could pay off my loan sooner was not possible. 

I asked for an amortization schedule. She refuses to send it to me and said it was in the portal. I asked her to guide me to that information and she navigated me to a repayment schedule. This repayment schedule said it began in XX/XX/2020 but there is a double asterisk next to that date. I asked her what that meant and she said she did not know. 

I do not understand what is going on with this loan and they never give me any clear answers. The original loan amount was approx $ XXXX and principal is now $ XXXX. According to repayment schedule she showed me today I will have loans paid off in 17.5 years and with a total of approx $ XXXX paid. My loans were transferred to Nelnet by a former loan provider. I did not choose to go with this company, I do not understand why the principal is not decreasing at all when i pay {$500.00} a month, well over the amount due and no one can provide me with solid information. It seems like they are only interested in locking me to get more interest.
Consumer complaint received 2021-11-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (FL)

XXXX XXXX XXXX XXXX claims after non payment and charged me money to cover the non payment time. 
XXXX went as far as contacting Florida DMV to have my DL suspended costing me XXXX $ to get it reinstated. 
Then they sold this fraudulent debt to a collection agency who claims i owe 2 debts when in fact i had another Auto Insurance Company when i stopped payment and started new policy with infinite insurance company.. 
CaineweIne Collection agency after a dispute with one collection agency ( XXXX ) the collection was removed and Caineweine placed my fraudulent debt on the 2 remaining reporting agencies. 
I formally want to complain agains XXXX XXXX XXXX and Caineweine collection for fraud and unethical actions. 
As a result of this i have suffered increase in debt and finical hardships because of these 2 companies.