davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

In XX/XX/XXXX, we sold our home located at XXXX XXXX XXXX XXXX XXXX, NC. We had utilities with XXXX XXXX and a balance was left on the account without my knowledge. On XX/XX/XXXX, a cashiers check from XXXX XXXX XXXX XXXX was sent certified mail to Helvey and Associates for {$420.00} ( the collection company collecting on behalf of XXXX XXXX ). The check was received on XX/XX/XXXX, at XXXX XXXX. 

On Saturday, XX/XX/XXXX I received a notification on my XXXX XXXX app that my credit score had dropped. When I checked I saw an item in collections that was added on XX/XX/XXXX, for XXXX XXXX under Online collections services in XXXX, NC.
Consumer complaint received 2023-04-05
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Good Morning This morning, at approximately XXXXXXXX XXXX XXXX, I spoke on the telephone with XXXX XXXX XXXX XXXX XXXX Bank of America XXXX Escalation Department and I was informed that on or about XX/XX/2020, XXXX, someone from the Bank of America , Escalation Department XXXX named XXXX made a false report and reported me to the XXXX XXXX  division. However, I am also told that I will remain on the XXXX XXXX list. 
It is clear that Bank of America has no legal intentions of investigating this matter, to insure that proper measures and matters were handled professionally. 
I am asking to speak with XXXX XXXX XXXX XXXX directly in order to assure that these orders are coming directly from the CEO of Bank of America.
Consumer complaint received 2022-11-18
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. (CA)

Hi, so In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX # : XXXX, XXXX XXXX : # : XXXX, XXXX XXXX XXXX XXXX : # : XXXX, XXXX XXXX XXXX : # : XXXX, have 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance to the Fair Credit Reporting Act XXXX  Accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Violated my rights.

15 U.S.C 1681 Section 602A. States I have the right to privacy. 
15 U.S.C 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions.
Consumer complaint received 2018-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

today, XX/XX/2018 Attempted to get my yearly credit reports from XXXX, Equifax, and XXXX on XXXX. No problem with XXXX but the other two refused saying insufficient info was given when they received the same info as XXXX. This is what I got from XXXX which is similar to which I got from Equifax : " Sorry, we are unable to verify your identity This is usually because your information has recently changed, you don't have enough credit history, or the information was entered incorrectly. If you believe you entered your information, incorrectly, click here to try again. '' However, the same identity information was given through the website ( XXXX ) to XXXX   which was accepted by XXXX, The other two, XXXX and Equafax asked further questions regarding matters that they claimed to be in my file. My answers to those questions apparently was wrong, Which means THERE MUST BE MATTERS IN MY FILE IN THOSE AGENCIES THAT I AM NOT AWARE OF! THAT IS THE EXACT REASON I SHOULD SEE MY FILE! 

Also, when I went on XXXX 's website to freeze my report all went well and it froze my report. 

The other received the same information on their websites and on the phone and again refused saying I did not give sufficient info to ID me, info that appeared on the respective reports, info which I am not aware of. This is not info regarding my identification, etc., which is the same info that XXXX   received. The telephone reps even knew my ID info from my telephone #. Each asked questions regarding debt, notes and vehicle purchases which do not appear on the XXXX   report and which I am not aware of, in order to be assured that I am who I am. THIS IS CRAZY! It puts the cart before the horse. 

IT WOULD SEEM THESE TWO AGENCIES ARE JUST PUTTING ROADBLOCKS UP TO DELAY OR CAUSE ME SO MUCH WORK THAT IT IS NOT WORTH THE TIME TO PURSUE MY RIGHT TO GET MY REPORT AND/OR FREEZE MY ACCOUNT! 

XXXX XXXX XXXX, Attorney at Law, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, ( My address since XXXX ), XXXX XXXX XXXX ( A telephone number for about the same amount of time. )
Consumer complaint received 2022-07-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Placement Services, LLC (IL)

For a year and a half, I have disputed an alleged outstanding balance from XXXX  XXXX XXXX from service on XX/XX/2021. During my visit with my provider on XX/XX/2021, I was asked if I was interested in genetic testing. I made it clear that I was not interested and this statement was marked clearly in my medical chart. The alleged outstanding balance is directly connected with a service ( XXXX XXXX XXXX XXXX XXXX XXXX Includes XXXX Analysis ) that I declined verbally and said declination was clearly documented in my medical record. The continued claim that this balance is outstanding is inappropriate as I did not consent to this service to begin with. 

I have sent dispute letters to XXXX, to XXXX  XXXX XXXX, to the first collection agency XXXX XXXX XXXX XXXX XXXX, and to the second collection agency Professional Placement Services , LLC.
Consumer complaint received 2021-02-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Action Collection Agencies, Inc. (MA)

Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Consumer complaint received 2022-05-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I received an email supposedly from Capital One Finance that stated I was fully approved for a $ XXXX loan at a 4 % interest with a fixed payment of {$180.00} per month for 60 months starting XX/XX/2022. When I asked about how to sign for the loan, they said they use a verification process instead of using signed documents. I said it is normal business practice to have documents on file, and they told me I would receive statements every 6 months. When I reviewed the loan information, it stated that this was from XXXX XXXX XXXX. The more I looked at the documents attached in the email, it looked like a copy and paste application. I, therefore, called Capital One to see if they were affiliated with XXXX XXXX Loans ; they stated that no longer offer persona loans much less payday loans. I'd like to think of myself as an intelligent person, so when applying for a loan online or with anyone in person as well, it's not unusual to provide personal information ; so when they said they needed to verify bank information, I was okay with it until they sent me {$360.00} and told me I needed to send it back through XXXX XXXX because I didn't feel comfortable. I told them I didn't want their " verification '' money, but by then it was too late, they sent it already. I went ahead and sent their money back. I also found that they did a dispute on my bank account in my name for that same money. That is when I changed my username and password on my account and locked my account. I also changed my personal XXXX XXXX tag. Because this happened later in the day, I have to wait til the morning to contact ny bank to figure out how to move forward.
Consumer complaint received 2021-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Helvey & Associates, Inc., Warsaw, IN Branch (MI)

HELVEY & ASSOCIATES Contact XXXX XXXX XXXX XXXX XXXX, INXXXX ( XXXX ) XXXX I paid XXXX XXXX  directly in full. called Helvey & associates with paid account information the person I spoke to was upset I had Gas company and not them, said they would not remove it as showing in collections even with a {$0.00} balance. because I owed them. It is still showing as 1 account in collections with a {$0.00} balance. I have lost 2 places to stay because of it.
Consumer complaint received 2021-02-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ROYAL UNITED MORTGAGE LLC (TX)

The company did not provide us with any formal application. Everything was done over the phone. 
We sent a e-mail and call the company and explain we were not happy with their conduct. 
XX/XX/2021 Dear Mr. XXXX or XXXX We are not going to go though with the loan, we found a Bank that will handle our loan, therefore, we are requesting that you forward our XXXX dollars, and the real estate license appraisal on our home Thank you for your consideration - again we have found a Bank that will handle the loan, and a lawyer is working with us at this time The Bank is going to pay for the appraisal- Again thank you WE received a call on XX/XX/2021 Call Notify from XXXX - XXXX XXXX at XX/XX/2021 XXXX XXXX- This call was about the complaint and wanting us to contiue, we told him no Today we received a notice : Dear XXXX XXXX , Attached is documentation regarding the loan application which you placed with Royal United Mortgage LLC . If you have any questions regarding this documentation please contact XXXX XXXX at XXXX or XXXX. 

Sincerely, Royal United Mortgage
Consumer complaint received 2022-06-10
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. (CA)

In accordance with the Fair Credit Reporting Act the following Accounts, have 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.

15 U.S.C 1681 ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I've been a victim of identity theft and never applied for any of these accounts : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (NE)

On XX/XX/year> I set up via Discover online banking my Discover credit card payment for {$XXXX} to post XX/XX/year>. The automatic Bank Account to pull from was selected as my Discover XXXX account. I forgot to switch this to my other financials account. I was unaware of this error until XX/XX/year> at XXXX XXXX XXXX 

My Discover XXXX account as of XX/XX/year> was {$XXXX}. 

On XX/XX/year> at XXXX I received an email that titled " Alert : Your account may have insufficient funds '' and then proceeded to advise me of some steps I could take to ensure my ACH item gets paid ( The {$XXXX} payment ). But the email advised of steps that needed to be taken prior to XXXX XXXX  ET ( XXXX XXXX XXXX XXXX  XXXX hours after receiving the email ). The other steps advised had to be completed before XXXX the following business day- however those steps were not actions that I was capable of making. This email alone I believe is in violation of XXXX since the actions that were available to me to avoid injury was not available and injury was unavoidable. 

On XX/XX/year> at XXXX, I made a mobile deposit for {$XXXX} ( since I already had {$XXXX} in my account ) to cover the funds for my ACH payment. I have deposited checks in the past and funds were available immediately. After the deposit I received an email stating they received my mobile check deposit and that checks submitted before XXXX XXXX on a business day will be deposited on the same day. 
at XXXX AM I received another email stating I had an insufficient funds notice and that my {$XXXX} payment was returned. 

I secure messaged Discover asking for a reason and was not provided XXXX. 

I researched their XXXX XXXX XXXX XXXX Agreement Addendum and it stated that XXXX Treasury Checks, Special Check, and Other Checks for Existing Customers up to {$XXXX} would be available Business Day of Deposit. It then continued that the availability of funds from checks deposited may be delayed for a longer period of time as provided in Section 15 ( a ) ( ii ) of the Deposit Account Agreement.

Upon researching Section 15 ( a ) ( ii ) of the Deposit Account Agreement, I found that it states, " We will notify you if we delay your ability to withdraw funds for any of the reasons set forth in this Section 15 ( a ) ( ii ), and we will tell you when the funds will be available. I did not receive such notification that my funds were delayed, therefore my funds should have been available at XXXX when I made the deposit. Therefore, my XXXX payment should not have returned at XXXX.
Consumer complaint received 2023-04-05
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: Experian Information Solutions Inc. (AZ)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (IL)

they've attached a fraud account to my credit report I didn't notice until XXXX when account went bad ived tried several attempts to have remove to no avail there reporting as if there XXXX XXXX XXXX and its a third party collector law firm the account has been closed and written off there reporting month to month as being open and charging interest and fees
Consumer complaint received 2021-02-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MO)

3rd time reporting cause wells fargo says they reported the 3 months covid payment relief properly to the credit bureus. When this process started they lied to me. I was told this would not effect my credit in a negative way and it is. They havent reported a payment since XXXX of 2020. I missed XXXX XXXX and XXXX for the covid relief and rolled to the back of my loan. I paid ontime XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX and never was late on a payment before that. They keep telling me im.under credit suppression but they simply arnt reporting. According to XXXX they can report XXXX XXXX and XXXX as forberance but they should report the rest as current as once the modification was done my loan woould be 100 % current. Its been done since XXXX. Im done with the back and forth with wells fargo telling me they are in he right as they are not. Ive lost a refi do to this so now im going to file complaint after complaint until my loan shows the right information on my credit report or wells fargo pays me damages for refi i lost and the inaccuracy to my report. Im done being XXXX  over by huge businesses. They helped NO ONE with this relief XXXX all they did was cause a headache. Loan account # XXXX
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Account Holder XXXX XXXX XXXX Original Creditor Revolving Account Account # XXXX Date Opened XX/XX/2021 XXXX Day Late Payment 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my instructions. 

This has messed up my reputation and I need this account deleted.
Consumer complaint received 2023-04-27
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. (PA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for their continued failure to delete a fraudulent account from my consumer report ( credit report ). This account has been reported by Experian for over a year, despite my repeated requests to have it removed. The account in question is from XXXX XXXX XXXX, with the account number XXXX XXXXXXXX stated amount {$1000.00}. 

I have already submitted a FTC Identity Theft Report, which clearly documents that this account is fraudulent and should be deleted from my consumer report. However, Experian has refused to take any action and has continued to report this account, which has damaged my credit score and made it difficult for me to obtain credit or loans. 

Experian 's failure to delete this fraudulent account is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite having knowledge of the fraudulent nature of this account, Experian has not done any due diligence to investigate the information they have reported, which is a further violation of the FCRA. 

I am requesting that the Consumer Financial Protection Bureau take immediate action to hold Experian accountable for their actions and ensure that they comply with the FCRA. I am also requesting that Experian take immediate steps to remove the fraudulent account from my consumer report and provide me with a corrected copy of my report. 

In addition, I request that Experian block any further attempts by the fraudulent party to create or use accounts in my name. This is necessary to protect my identity and prevent any further damage to my credit score. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-02-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (AL)

Freedom Mortgage, who handles our loan failed to make our property taxes on time. The property taxes for our home are due by XX/XX/XXXX. Contact was made to our mortgage company several times as we were concerned our taxes were not paid due to late notices and payment delinquent notices received. As of XX/XX/XXXX after contacting our local tax property tax department, no money has been received and as of this date our taxes are still delinquent. We have until XX/XX/XXXX to pay these taxes and if not paid our home will at a point be sold or advertised to be sold ( this information was told to me by the local authorities for unpaid taxes ). This is a very stressful time as we were under the impression this company was taking care of our property taxes. After contacting Freedom Mortgage about our concern, we were told that the payment was made on XX/XX/XXXX, nearly 2 months late. As of now, no payment has been received and we will be left to pay the balance to avoid any tax lien. 

We do have an escrow account and have it set up for our home owners insurance and property taxes to be paid by the mortgage company. I recently checked my statement and account and it does state that taxes were taken from our escrow account on XX/XX/XXXX. Why were they not taken out of escrow and paid in XXXX of XXXX, when they are due? How long are we supposed to wait for this check to be received? What if it does not get there, or is lost? We are on a time line of days as of now and unfortunately we are left to pay the balance or possible lose our home. Another concern we have is our home owners insurance. Will this be paid on time? Do we have to worry about our taxes not being paid at the end of this year and further years?