davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2022-12-08
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: Experian Information Solutions Inc. (SC)

i have contacted Experian, XXXX XXXX XXXX about the many inquires on my account i do not recognize i informed them of how i have contacted each company and they could not provide me with any information. i did not authorize any pulling of my credit with these companys Experian Credit Report XXXX XXXX XXXX, ( total of 4 ), XXXX XXXX, multiple XXXX XXXX XXXX multiple XXXXXXXX XXXX multipe XXXX XXXX, multiple XXXX XXXX XXXX, - ( total of 7 ) XXXX XXXX XXXX  multiple XXXX XXXX, multiple XXXX XXXX XXXX XXXX multiple XXXX XXXX multiple XXXX XXXX XXXX multiple XXXX XXXX XXXX multiple XXXX XXXX XXXX  , ( multiple XXXXXXXX XXXX XXXX XXXXXXXX, ( multiple XXXX XXXX XXXX multiple 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
Consumer complaint received 2022-03-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MI)

Experian.com constantly asks me to validate my address by providing them my driver 's license and tons of information to even speak to me over the phone as a way to not handle a problem. I have emailed, mailed and uploaded sensitive information to them countless times and will not do it anymore. They use it as an excuse to not properly handle complaints and disputes and don't investigate the disputes properly. For example, XXXX sent me proof in writing they've notified all credit bureaus of updates to balances and payments yet Experian STILL has not fixed the problem even after filing a dispute which I can NEVER review online.
Consumer complaint received 2020-11-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (TX)

I was contacted by a third party collection agency that violated the FDCPA section 809 A and B. I asked for verification of debt during my validation period and was informed it was just mailed to be on XX/XX/2020. I requested this at the beginning of XXXX. I got another got today from an agent that continued to collect during my validation period. I do not appreciate being ask if I need a friend or family member to help me pay the debt. I have rights to request this information and the company was late sending it out to me. I am requesting the CFPB review this call and the collection practices of the agency. As I told the gentleman on the phone. Once I get my paper work I will call you, but this company failed to send out the documentation within 30 days of my request. 

This account is also being disputed as I believe the balance is wholly inaccurate. Please send proof this is my debt. This debt may be XXXX, but I promise I will spend more money protecting my rights and preventing any agency from violating these rights. If that means filing a civil suit against the third party collection agency and their client.. I will do so. Damages are awarded for FDCPA violations. 

( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Consumer complaint received 2023-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (PA)

On XX/XX/XXXX at XXXX XXXX I placed an order through XXXX at XXXX for 2 2 for {$25.00} entrees and 2 desserts. The 2 for {$25.00} include 1 appetizers and 2 entrees each. The first 2 for {$25.00} was an appetizer of mozzarella sticks and 2 entrees ( one broccoli chicken Alfredo and the second was four cheese Mac and cheese with pepper honey chicken tenders ). The second 2 for {$25.00} was a mozzarella stick appetizer and two chicken tender entrees. The desserts were blue ribbon Brownie and cinnabon mini swirls. I received a text that the XXXX had delivered the food at XXXXXXXX XXXX  with a picture of one bag. Image is also attached of message. Upon opening the bag we had only received one entree which was the broccoli chicken Alfredo. I then called the XXXX  in which I asked if there was by chance any other bags but XXXX was extremely unhelpful and would not communicate regard the delivery. I then contacted the XXXX help chat in which they credited my XXXX account {$22.00}. I then contacted them help chat again noting that I only received one entree and was missing 3 entree, 2 appetizers and 2 desserts. They informed they that would send it up for investigation but I did not receive a response in the 2 hour time frame they informed me off. The next day I contacted the XXXX customer service line and spoke to an agent. The agent told me basically the same thing as the help chat that he would escalate the matter for investigation and that I would again have a response in 2 hours. I waited almost three and had no email, which was the form of contact he stated they would be using. I waited for the charge to be posted to my checking account and then call to bank to dispute the charge. They credited my account for {$100.00}. Today XX/XX/2023 I received the paper from my back which stated there was no error of the charge and that the would be reversing the credit as of XX/XX/2023.
Consumer complaint received 2022-03-26
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. (RI)

In accordance with the Fair Credit Reporting act XXXX ( Original Creditor : 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 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2020-11-18
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)

I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.
Consumer complaint received 2020-11-18
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: Consolidated Information Services Solutions, LLC (GA)

XXXX XXXX submitted my info to XXXX XXXX without my consent. I have an inquiry on my credit report from CIS which is a reporting company for XXXX XXXX. XXXX over at XXXX XXXX apologized and said it was his mistake ( I have proof and a letter from XXXX XXXX stating there at fault ) XXXX will not give CIS the approval to remove. They told me I need to take it up with XXXX at XXXX XXXX.
Consumer complaint received 2023-05-12
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Westlake Services, LLC (CA)

Title company made aware of my severe financial XXXX XXXX  in XX/XX/XXXX & multiple times after that date. I asked to negotiate with lender for a payment plan ; per the lender, i was not eligible until I paid several more monthly payments. I requested, again, after approximately XXXX  months to work a hardship payment plan for me - denied. XX/XX/XXXX, I insisted on my lender to help me due to my financial hardship worsening. They stated they can not do extensions or defer my payments due to my XXXX  agreement and denied XXXX  loan from them. I told them the payment is to much money/month and can not afford to pay all & offered partial payment for monthly payments. They declined my request and stated if I am XXXX days past due, I will have my car repossessed. Note : I HAVE NOT MISSED ANY PAYMENTS & NEVER LATE. 

This complaint is to ask for assistance with an uncooperative lender knowing my severe, financial hardship and crisis. Please help. This is XXXX to prevent car repossession. 

Also, I have applied to XXXX other secured lenders for refinancing options- denied.
Consumer complaint received 2020-07-20
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. (IN)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-03-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (CA)

I reached out to my mortgage company regarding this concern. I previously had other concerns with them regarding my loan modification. After making a complaint through your agency, they were forthcoming and followed the process to addressing my concern. They worked with them in obtaining the documentation. They approved my loan modification. It was approved on XX/XX/XXXX. My first payment was XX/XX/XXXX. I have paid my monthly payment which includes ( principal, interest and escrow fees ) each month. 

A recent concern in which I attempted to address and have resolved, have not been resolved or addressed. The concern is related to an overdue payment that was {$5800.00} that increased to {$22.00}, 680. I noticed this while making my XX/XX/XXXX payment. I called to get an explanation but they were not forthcoming. Additionally, on my account there were many on XX/XX/XXXX mortgage payment reversal or unapplied activity to the account. With the activity, it showed that the payments for the months of XXXX, XXXX, XXXX, XXXX ( two payments posted ) and XXXX reflected as XXXX, XXXX, XXXX, XXXX, XXXX and 152 days late. I asked if this reversal will show on my credit report as those many days late when it was the action of CMG and not mine, applying the payment incorrectly. The represented stated, all payment are in real-time and the payments will show late on my credit report. She said that they can not make promises even stating it was a mistake on their behalf. She further read the consumer credit script. She asked if this was a concern for me. She threatened me and asked if it was a concern for me and stated she would not resolve the concern for me and it was my issue. 

XXXX XXXX, employee id number XXXX. Her supervisor is XXXX XXXX. 

I was on hold for over 45 minutes. 

When she returned to the call and stated that I was due {$61.00} as an overpayment for escrow fees. I further asked why did my overdue payment increase. She gave no explanation for the overdue payment that is reflected on my monthly statement.
Consumer complaint received 2021-11-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Thaxton Investment Corporation (GA)

I received loan from Covington credit but I have made my payments my portal shows that all my payments was successful but I had been getting threatened phone calls every day from representative of Covington credit saying that I owe My portal says I do not owe and I am being threatened with collections repossessions and negative remarks on credit report
Consumer complaint received 2020-11-18
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (TX)

On XX/XX/XXXX I purchased a sagebrush classic casual jacket ( small ) for {$79.00} ( plus tax & shipping ) via XXXX XXXX online. 

I returned it tracking # : XXXX. Delivery was confirmed on XX/XX/XXXX @ XXXX XXXX. to XXXX, KY, US. I have tried to confirm the credit which has not appeared on my account as of XX/XX/XXXX. Each time I made an inquiry online, I gave them a copy of the tracking receipt. A few days later I would receive a letter that I needed to be patient because it can take up to 90 days to resolve. Inquiries were made : XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. 

I called again today, XX/XX/XXXX ( over 90 days ) and was told there is no credit for the return and they filed ANOTHER dispute and informed me it will be another 30 days to resolve the dispute. Irate, I asked for a supervisor and was transferred to XXXX. 

The charge was made through XXXX XXXX but they use Comenity Bank to manage their accounts. Today I've talked with numerous people & keep getting a run-around in a call that took over 1 hr 23 minutes. After wading through a call-director system, one rep sent me back through the system so i could 'talk with XXXX ' since they have all the information. However, I ended right back with Comenity because Comenity handles their credit card charges. 

This is absurd and there's no accountability. FINALLY, today after 1 hr 23 minute phone call, the STORE gave me a credit for {$85.00}. ( The call director system sends callers to Comenity re account issues. If Comenity can not assist customers, the automated system needs to send callers to the STORE that can issue credits. What a zoo. This experience has made me reluctant to EVER buy from XXXX XXXX again.
Consumer complaint received 2020-11-30
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/XXXX / Closed XX/XX/XXXX, Balance of {$640.00} ( Capital One ) has derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. The Debtors creditor did not verify this collection. Also, there was NO written form of communication, contact, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, ( Capital One. ) has violated my rights as a consumer and I am requesting legal action to remove this account immediately, in addition to we are in the middle of a pandemic COVID-19 which is allowing relief to 85 % + consumers.
Consumer complaint received 2021-11-22
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I have a CD with Bank of America since last year CD. It had a maturity date of XX/XX/XXXX. I started calling the bank on XX/XX/XXXX since then I've made XXXX subsequent phone calls to have my CD release. For the last two weeks the situation has been escalated to the CD escalation line of Bank of America every time they kept saying it's going to be released. It's been two weeks, I spoken to XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX all managers and all have told me it would be released. Today is XX/XX/XXXX one month later and the CD has still not been released this has been an absurd situation with Bank of America. I have been banking with Bank of America for 32 years and I've never ever seen this issue. I am so frustrated that I'm about to pull my account that's why I'm filing a complaint. Im filing another one with the United states Federal Reserve. PLEASE HELP THIS SITUATION IN UNEXCEPTABLE At times it feels like the bank is going insolvency they just don't respond.
Consumer complaint received 2020-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/2020 I had a house fire which started in the basement as an electrical fire. During my refinance they failed to set up payment for my insurance, so the policy lapsed and was replaced by lender placed insurance. The lender is Bank of America, they sent me what their hazard insurance covered, for which my escrow was charged. This coverage included " fire and extended coverage '', it was " not to limit coverage in whole or in part for damage or loss '', and " claims are to be settled on a replacement cost basis ''. In other words, the insurance I paid for should have covered the repair on the house. 

The insurance policy holder is Bank of America, the insurance company is XXXX XXXX XXXX. They made it clear that my personal property was not covered, nor was my living expenses - I have continued to pay my mortgage while I was XXXX. I made it very clear that I was XXXX  during a pandemic and asked that the claims process was not delayed. The insurance company also told the clean-up company that their service was not covered, so I had to do that work myself. 

The claim process took 4 months. It took a full month for them to get an inspector out to the house, and they claimed that inspector never sent a report, so 6 weeks later they sent a second inspector. On XX/XX/2020 XXXX XXXX XXXX sent me a copy of their settlement, informing me that rewiring the house was not covered because bringing the home up to code was an upgrade. To be clear, there is no option to not bring the house up to code. So, on a claim that started as an electrical fire, with the main breaker board less than 10 feet from the fire, they made no payment for electrical work. 

My complaint is about Bank of America, not the insurance company they used. I paid for coverage which is outlined in their lender placed insurance requirements which should have covered the repair minus the deductible. As it stands, their settlement covers less than XXXX of the cost of the repair, and I've put in over 200 hours of my own time in the clean-up from the fire. Their slow response also left me homeless during a pandemic.
Consumer complaint received 2020-11-19
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. (PA)

I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade commission and I also have enclosed copies of the Federal Trade Commissions ifentity theft affidavit. Please delete the items as soon as possible.