davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-01
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 discovered unlawful unapproved accounts on my profile report. I'm concerned that you've included the following information in my credit profile and that you've forgotten to follow reasonable procedures to ensure the most extreme possible accuracy in the credit reports you provide. Credit reporting rules require organizations to provide only accurate credit data. Each step should be taken to ensure that the data given is completely accurate and correct. The following data should be explored in this manner. After carefully downloading my credit report from your service, I am having significant difficulty locating inaccurate/invalidated accounts. I am unaware of these things or false information since my personal information was compromised by the Equifax data breach and may have ended up in the wrong hands. You are filing reports recklessly and incorrectly, in violation of the FRCA. I am aware that you lack legal standing as a federally protected consumer, and that you can not retain a counsel to represent you against me. 
I will seek a default judgment and bring a class action lawsuit against the company for violations, stress, and menstrual agony on behalf of at least 1 % of the corporation, according to TILA 1640, OR ANY OTHER AMOUNT OF DAMAGES UNDER XXXX.
Consumer complaint received 2021-02-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC. (MO)

XXXX XXXX is falsely reporting that I have an account with them for the original creditor Cashnetusa. I have no contract nor any business with XXXX XXXX or Casn net USA. There is no account number to this account. I have no verification of me having a debt with any of these listed creditors. It's listed that I have a balance of {$2200.00}. It states that the account is open but it's placed for collection.
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SANTANDER HOLDINGS USA, INC. (PA)

I obtained a Santander Ultimate Cash Back credit card in the XXXX of XXXX. It promises 3 % on all " qualified '' purchases for the first year ( until XX/XX/XXXX in my case ). Two issues. First I have only received 1.5 % cash back since I have had the card. Second, I have attempted to find out whether any of my very ordinary purchases have not been qualified. I have looked everywhere on the Ultimate Cash Back website to find the definition of qualified and have not found one. Neither have I found the definition of " qualified '' in the paper work I was given upon signing up for the subject credit card.
Consumer complaint received 2022-09-22
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. (NY)

I received an email 2 weeks ago about a checking account that I had opened at XXXX XXXX- except I never opened any accounts there. It seems somebody got a hold of my Social Security number, my birthday, and other vital personal information and were able to make a checking account in my name. I have since closed it with XXXX XXXX XXXX I froze my account on all three credit reporting agencies, And I even filed a police report for fraud. Then I got three credit cards in the mail in both my name and a mans name, to an old address that I have not lived at for six years. I am afraid that because this man has all my information he will keep trying to do things using my identity. This is basically a case of identity theft, and I do not want somebody to continue to use my information.
Consumer complaint received 2015-04-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (IL)

I co-signed for my daughter student loan a few years ago, now Navient XXXX XXXX ( not sure what company this is ) continue calling me after I told them not to call several times, they use different phone numbers, unlisted name etc. I informed them I will file a complaint and donot call. My daughter is still in school working on her XXXX. and I am sure she will make arrangements once she is done
Consumer complaint received 2022-07-22
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. (AL)

There are accounts reporting on my Credit Report which are unknown to me, upon further research, I found that these accounts are fraudulent. I am now submitting this complaint to inform the Credit Bureaus that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission : XXXX XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$1500.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX Date XXXX Balance : {$4600.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-02-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX I C SYSTEM XXXX I.C. SYSTEM, INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious I C SYSTEM XXXX I.C. SYSTEM, INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2022-10-12
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)

XXXX charged account off and failed to provide proper documentation for tax purposes regarding the {$1300.00} that was charged off. They wrote debt off for tax purposes and business gains. They are also in violation of my consumer rights and FCRA reporting violations. I opened numerous investigations and neither XXXX it CRAs properly responded or investigated information. A Chargeoff shouldnt report a PAST DUE balance nor a monthly payment history of CO.
Consumer complaint received 2021-02-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (WI)

My mortgage account was sold from XXXXXXXX XXXX  to Carrington Mortgage Services , LLC ( XXXX. XXXX XXXX ) XXXX, TX XXXX. 

Since my loan has been sold to Carrington Mortgage, I have experienced several incidents that have happened where the Company can not explain the misappropriation of funds that are being sent. After speaking with several representatives at the company, there is no one that can precisely explain why my monthly mortgage is not being applied and processed. 

1. I have several concerns with my monthly Mortgage money that has not been applied to my account. 

2. My monthly mortgage payment amount is being changed without any notification or justification.

3. The monthly amount that is being paid is not applied to the applicable areas appropriately ( Escrow, Principal, and Homeowners Insurance ). It appears on my statement that is broken down into separate payments and not applied entirely. 

4. Incorrect escrowing has caused a shortage of my property taxes.

5. Payments not being processed accurately or in a timely manner.

6. Customer service provides fraudulent information about my account, that contradicts my personal banking statements.
Consumer complaint received 2021-02-15
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Commercial Recovery Systems (MN)

On XX/XX/2021 I was notified by my mother that she had received a call from a man named XXXX XXXX from a CSR and associates. The man she spoke with claimed that he was trying to contact me regarding an old payday loan debt from a company called XXXX XXXX XXXX. During the conversation this man told my mother he was preparing to take legal action towards me regarding this debt and that they would be filing it as a felony case, implying to my mother that I would be arrested and imprisoned for failure to pay the debt. After speaking with my mother regarding the call I attempted to contacted Mr. XXXX at XXXX. The phone was answered by a woman who did not state what, if any, organization I had contacted. I hung up the phone but was immediately contacted by Mr. XXXX. Mr. XXXX stated that he would be filing a law suit against me in XXXX court on XX/XX/2021 unless I could work with him to immediately pay the " debt ''. When I requested verification of the debt Mr. XXXX stated he would email it to me. When I stated that I would want a physical copy of the verification Mr. XXXX stated " We're not going to do that '', at which point I ended that call. I don't believe this is a legitimate attempt to collect a debt, however if it is a legitimate attempt then I am deeply upset by the fact that this company provided information regarding my case to my mother, an unauthorized third party. Any information regarding the validity of this matter would be greatly appreciated
Consumer complaint received 2021-02-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under National Credit Adjusters. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize as original owner is reflecting as XXXX XXXX which I have never been associated with. I reviewed my credit report again on XX/XX/XXXX and account continues to reflect on my credit report, is not listed as disputed and I have not received any correspondence from creditor to validate this account as correctly belonging to me. Therefore on XXXX I sent a 2nd validation letter. Credit report was reviewed again on XX/XX/XXXX and still no validation was received however the account was removed from my credit report, however after I reviewed my report again on XX/XX/XXXX the account has reappeared with no dispute notes nor any validation received for the debt. I do not believe this account is valid and correct as it does not belong to me nor that the creditor has authorization to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belongs to me and all information is correct.
Consumer complaint received 2024-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One credit cards force customers to partake in poor credit practices such as utilizing over XXXX XXXX XXXX XXXX of their credit limit repeatedly for several months before they will even think about granting a credit line increase, regardless of income, payment history, existing expenses and rent, transaction history, on time payments, and all other criteria that lead to a good credit score and a good borrower. They demand that you partake in activities that will LOWER your credit score in order to then hope for a chance at a credit line increase. I was cited as having " low credit line utilization '' as a reason for my denial despite my current credit limit being less than my biweekly after tax income, even lower than my biweekly income after tax, allocations, insurance, everything. They push people to XXXX XXXX up and use as much as they can on their credit limit to try and get an increase to a limit amount that is actually usable for them at their level of income. I will be damned if I will continuously and repeatedly spend near to XXXX XXXX of my credit limit for 6 months straight and tank my score in the hopes of getting an increase in the credit limit to even match my biweekly paycheck. That is reckless, damages credit scores of its customers and is predatory as it incentivizes people to spend in an irresponsible manner and develop a habit of maxing out and riding their cards on payments. We want a country that is strong, stable, prosperous and profitable, and these clowns are demanding behaviors that are fundamentally at odds with the complex system we call a society. They are charlatans who take stable, good, customers and attempt to put them in financially precarious positions instead of partaking in honorable lending where they more than make enough profit off interest and transaction fees. This country is expelling the filth and waste, and they are certainly both of those things. Capital one has evil business practices, I expected a denial to be something bad like overutilization, lack of on time payments, lack of account history, etc, not a rejection saying I am not reckless enough! We need honor and integrity back in our country and its institutions and that will never happen if we don't hold those who would exploit others liable for their evils.
Consumer complaint received 2020-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My complaint stems from Bank of Americas refusal to reimburse me for stolen funds that occurred through Bank of Americas banking services. On XX/XX/2020, a check I wrote for {$3900.00} was altered and cashed at Bank of America ( Attachment A ). As you can see, the payees name was covered up and written over with a new payees name. Part of the payee line was also erased, with what appears to be correction tape or fluid. The alteration could not be more obvious, and even the thiefs handwriting does not match my own. 

In conducting its investigation, XXXX XXXX, the bank that issued the check from my checking account, found that Bank of America was the bank of first deposit for the stolen check. Thus, they filed a claim with you to recover my funds. However, the claim was denied by you ( Attachment B ). 

What is most troubling is that your Deposit Agreement and Disclosures states that customers should notify Bank of America within 60 days of any account irregularities or fraud ( Attachment C ). I contacted XXXX XXXX about my stolen check on XX/XX/2020 on a recorded telephone line well within the 60 days that your deposit agreement stipulates. And then XXXX XXXX contacted you with the details of my claim. Therefore, there was no reason to deny my claim. 

Again, the stolen check was cashed on XX/XX/2020 and I contacted the issuing bank for the check, XXXX XXXX, on XX/XX/2020 well within the 60-day reporting period. 

Furthermore, and what I have found equally disturbing throughout this process, is that you are failing in your fiduciary duty to me as I am also a Bank of America customer. Even though the stolen check was from my account at XXXX XXXX, I am also a Bank of America customer. I have had a checking account with you for at least 15 years ( account # XXXXXXXXXX ), I have an XXXX  XXXX credit card issued by Bank of America, and I have paid off a second mortgage that I once held with Bank of America. 

For your information, the claim number for my case is # XXXXXXXXXX XXXX. XXXX XXXX officials said you should be able to locate my claim through your fraud or investigations department. 

I am filing a complaint through regulatory agencies because your Customer Care team could not help me. They said it was because the claim was not directly related to an existing Bank of America account.
Consumer complaint received 2024-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I sent an endorsed negotiable instrument as tender of payment in XXXX XXXX to Capital One credit card company. I received no response, but an unannounced closing of XXXX credit card accounts at the end of XXXX XXXX. If they had a question about the payment they should've given the courtesy to contact me. At about the same time as sending the payment, I opted out over the phone of XXXX party reporting. 

When I spoke with a representative after the " unannounced '' closing of both accounts they said the reason was for breaking their policies. I asked about what policies were broken since I've been a longstanding customer. They said something about gambling & excessive charges which were ALL untrue. I don't gamble and there were no excessive charges. I usually pay my account in full. In my opinion, they're assuming I committed fraudulent activities which is inaccurate. I'm requesting an investigation with the intent to re-open both accounts with a clean reporting record or remove them immediately from all XXXX credit bureaus. 

Attached is an example of the payment & letter of instructions I sent them, but it was for two accounts for different amounts. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-06-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Keynote Consulting, Inc. (IL)

XXXX XXXX XXXX SENT A COLLECTION FOR AN AMOUNT THAT IS NOT OWED. THEY HAVE BEEN VIOLATING MY FCRA RIGHT FOR 2 YEARS AND REFUSE TO UPDATE THE CORRECT AMOUNT THAT IS TO BE PAID FOR A VISIT NOT COVERED BY INSURANCE. I CANT PAY ANYTHING TO THEM UNLESS IT IS UPDATED ON PAPER. THEY ALSO NEED TO RESCIND THE DEBT FROM KEYNOTE BECAUSE THAT DEBT IS NOT VALID NOT HAS IT BEEN VALIDATED. IVE TRIED CALLING XXXX SEVERAL TIMES REGARDING THIS ISSUE ALSO BELOW IS THIER REPLY TO A XXXX  COMPLAINT THAT WAS FILED. FIRST AND FOREMOST COVID -19 HAPPENED AND TO HAVE REMARKS LIKE THAT BELOW IS BEYOND DISQUISTING. I HAVE ASKED SEVERAL TIMES FOR PAPERWORK TO BE UPDATED WITH NEW AMOUNT OWED FOR VISIT THAT WAS NOT COVERED BY INSURANCE. IF THE SUBSCRIBER ON THE INSURANCE ASK TO SEE AN IN NETWORK DOCTOR WHY ON EARTH WOULD YOU ALLOW THEM TO SEE SOMEONE OUT OF NETWORK INCURRING UNFORSEEN BILLS. ALSO BEING THAT I ASKED FOR THIS PAPERWORK FOR OVER 2 YEARS AGO IS THE REASON WHY YOU HAVENT BEEN PAID CAUSING EVEN MORE HARD SHIP WITH A COLLECTION NOW. 




Again. This was sent to our collection attorney in XXXX. Had the patient came into the office and paid prior to now it could have been resolved and marked paid in collections and shown. An account that is over 90 days and a claim where an insurance company advised payment went to the patient and remained unpaid for months after is submitted to our collection attorney after a period of time where calls and statements are unanswered with payment. This account from XXXX  would never be removed from collection until a payment was received. This patient if a conversation was had at the time 2+years ago about pulling from collections it would certainly have had an expiration of a week or 2, not years. No services are provided for free and at no time is it acceptable to remain a bad debt after 2 years and a patient file a complaint about an alleged conversation from 2 years ago and make sense. Why wasn't the account paid 2 years ago? Why wasn't the complaint 2 years ago? This would be resolved had the account been paid. Our XXXX  office does due diligence for every patient to ensure we receive the correct information for our patients. We bill out the insurances set fees, not our standard fees for in network assumed services which she was billed in network services. Two of the visits XXXX XXXX, XXXX ) the first visit ( XXXX ) PATIENT was inactive but received payment from ins for both visits, the other visit the claim received payment. In XX/XX/2019, the account was sent to collections after 6 months of calls and statements. This accusation is again unwarranted and had the accuser paid her bill this would be over but she chose to ignore the situation for 2+years and now file a complaint with no basis.