davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I applied for a refinance with Citizens bank on XX/XX/XXXX. XXXX, XXXX XXXX was my agent who I worked with. I refinanced because I needed money for an Hvac system. 
We worked on a loan that would help me get the money I needed. The loan was supposed to return my original escrow balance to me. The new escrow would be added to the loan amount. XXXX put in the loan that the old escrow was not to be rolled over into the new loan. 
I went through the entire process under the assumption the money was coming my way. On XX/XX/XXXX I received my final disclosure statement. Everything looked ok to me. The numbers were a bit lower but I was told that was because the initial estimate was high and that I didn't have to pay for appraisal and a few other things. The closing agent ( XXXX XXXX ) came to my house a few days later to sign all papers. 
I asked when signing if I was going to get the money from original escrow. I was told yes, anything in my old escrow would come to me. We went through the signing the paperwork packet. Nowhere in the packet did it say anything about the escrow being rolled into the new loan.

Two weeks go by and I still don't have the old escrow money. I reached out to XXXX on XX/XX/XXXX and he replied that it rolled into the new loan and I wasn't going to get it. I was shocked, the whole point of the loan was to get the money. We went back and forth with emails amounting to him telling me there was nothing that they could do. He then offered me to open a line of credit. I found this shady as to why I would possible open another loan when they got the first one wrong. 
During our exchange he sent me an email with an attached fax that showed the money was to be rolled over into the new account. The fax was dated XX/XX/XXXX. It was the first time I had seen the document. It was not faxed to me because I do not have a fax number. It was not emailed to me or I would have nixed the loan. It was not in my closing packet at the time I signed or again I would have nixed the loan. And finally it was not in the packet that was given to me after closing. 
Also XXXX told me that the loan was already sold to another company which I found hard to believe. As it turns out it was sold to to XXXX XXXX but not until XX/XX/XXXX, over a month after what he told me. 
I feel like this was deliberately done to get me to open a second loan with Citizens bank. On top of it they should have made it right instead of telling me your out of luck. 

I have attached to final disclosure, the fax and page I never received that would have stopped the loan, and the pre closing document. I have the emails if you need them. 
Thank you for your time,
Consumer complaint received 2022-06-28
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXXI XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, CXXXX XXXXXXXX # 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 a account without my written instructions XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, AZ 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 XXXXXXXX # 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 a account without my written instructions
Consumer complaint received 2021-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (WA)

XXXX sold a phone and service representing it was XXXX two years ago. It was not XXXX. Numerous XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, and other sources reported on this scam. In fact the XXXX XXXX XXXX XXXX  sold me was a XXXX phone that would not work on XXXX networks. 
I paid a monthly fee to be able to upgrade to new technology with XXXX monthly and was told this would mean I would receive a new phone every year for no additional charges. That also was a lie. This too is well documented on technology sites and magazines. 
I complained to XXXX. Nothing. I eventually terminated my XXXX  service and moved to XXXX that provided XXXX. I purchased another XXXX XXXX XXXX, costing {$1900.00} cash, again. I continued to advise XXXX  I disputed their claim for the price of the fraudulent spec phone. They would not accept a return of the phone. 
I received calls, repeatedly, from Credence Resource Management ( a collection agency ) on behalf of XXXX. I explained the dispute. Eventually, several months ago a supervisor there, XXXX XXXX, asked for a letter explaining my dispute, which I sent him. He then told me the negative report would be removed from my credit report. 
And it was for several months. 
Then it appeared again. When I talked to XXXX XXXX he said it was in error and he was looking into the problem. He subsequently said he was consulting with his " back office '' but that they had not responded to him about what to do. This has been going on for a number of weeks.
Consumer complaint received 2021-08-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Partners Financial Services Inc (TN)

I have a collection balance for XXXX from a school, XXXX XXXX XXXX XXXX XXXX, that was paid off by student loans, that I am in good standing with right now, well they took the amount my student loans paid for and made it their own, even though they were paid in full, and I had no idea of this until it went into collections. I have tried to fix it and get information and give information but they really want tell me much except I owe it. Ive tried to dispute it its not working either. Since they would not give me any answers or help on how I can fix this issue I told them not to call me no more. Well they continued to call and would call back to back from different numbers so Ive tried to block the number, but they also started calling from block numbers and would even call my friends, I have no idea how they got their numbers, and would call them back to back asking questions about me like where do I work how can they reach me and if my friends would call or text me and have me call them, they have called my work multiple times and will still to this day call my phone from different numbers and will stop. This loan was not a real loan I never owed them anything and I do not know how to stop this or get this corrected
Consumer complaint received 2021-08-05
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX, I received a text notification that my card was used. I immediately informed Capital one regarding the issue. Informed them that I have my card in my possession and those transactions was not mine. I was relieved that they were able to close my card and issue a new card. Then XX/XX/XXXX came, I received an email stating that they didnt find any fraudulent transactions since my card is with me and they assumed that it was me who did that transaction. I researched the merchant and it was in XXXX  california which is more than 100 miles where i live. I asked them how can they reach to that decision regarding my dispute only for 3 days. The rep cant give me any answers regarding the process she just told me because the card has a chip so it was valid transactions. I told them that i will not pay for the fraudulent transactions. Asked them about there zero liability and she can not provide me with an answer.
Consumer complaint received 2021-08-05
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. (FL)

There is a regions account report on my transunion and XXXX  report that should not be there. The debt was paid a removed. Per my XXXX  report I see where the account was removed. But it is still listed on my XXXX  and transuion account. Below I will attach a copy of all 3 reports.
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have attached two accounts that are currently reporting to my 3 credit bureaus and all three of them are inaccurate, per the FCRA they have to report accurate information. I want them accounts deleted from my 3 credit bureaus. I have highlighted all the inaccuracies.
Consumer complaint received 2021-08-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have tried to reach out to Bank Of America because my account is currently negative {$360.00} which {$310.00} of that is all overdraft fees, I told them I want to bring my account in good standing but only have {$100.00}. Today before I proceeded with making a complaint I contact bank of america one last time to see if they atleast help me remove half of those fees and she was only able to remove 3 which honestly not alot of help ...

I am currently struggling because my check is {$600.00} short due to only working 20 hours a week, and having 2 deaths in the family due to XXXX. so helping me remove those fees would help me alot.. I have contacted them 4 times and they always just say they cant help and that theres an agreement that they can charge those overdraft fees but theyre clearly not being considerate that their clients are struggling. yet they're currently trying to charge us for money I dont even have. worse part is I would understand if theyre covering the bills and actually paying for them on top of an overdraft fee but all those fees are are due to the ach bouncing. all Im asking for from Bank Of America during these tough times is to help me remove those overdraft fees. if I had the money to cover these overdraft fees I would just do it instead of going through this whole hassle but I have no other option. 
I have provided proof of my paystubs of how much my income has changed in the last couple of months ...
Consumer complaint received 2021-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I, XXXX XXXX, have submitted all necessary documentation five times to TransUnion LLC and they continue to report such accounts. TransUnion LLC has willfully and knowingly continued to report false information on my consumer credit report and are liable pursuant to 15 USC 1681n and 15 USC 1681o. TransUnion LLC is in violation of 15 USC 1681c-2 ( a ) by deliberately failing to block the information from my consumer credit report. TransUnion LLC is in violation of 15 USC 1681b ( 2 ). TransUnion LLC is in violation of 15 USC 1681b ( b ) ( 1 ) ( A ).
Consumer complaint received 2022-12-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I deposited {$1000.00} into a Personal Line of Credit ( PCL ) account that had a XXXX balance. As this is a credit account, the balance showed $ XXXX, as it should. Six days after the deposit I transferred the {$1000.00} to my checking account. 

Huntington says this is a cash advance and is charging me interest on my own money.
Consumer complaint received 2021-08-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ALLY FINANCIAL INC. (GA)

a debt was discharged in bankruptcy and long since past the Statute of Limitations, yet Ally bank is holding the title of my XXXX XXXX XXXX and not willing to release it until they illegally connect approximately {$620.00}. They refuse to release the title and have been very unwilling to discuss the matter.
Consumer complaint received 2021-08-05
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: Alpha Recovery Corp (TX)

XXXX XXXX  XXXX  has not removed themselves off my credit XXXX XXXX  has removed the original collection and now another collection company is bothering me via mail
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

The bureaus are reporting an account with XXXX XXXX that I settled last year!!! I have sent in multiple disputes and they continue to report this debt. I have sent several letters to XXXX XXXX saying they are reporting inaccurately and have filed several complaints and no one can get a hold of them. This account is hindering me from being able to buy a home and this needs to be fixed immediatley.
Consumer complaint received 2022-07-18
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. (AZ)

My report 's list of information was inaccurate. I sent it to each credit bureau, asking them to investigate it and review my files. However, that information continues to be reported and has a negative effect on my credit. As a result, the credit bureau did nothing to get rid of the incorrect information listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2022-07-18
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. (WI)

In accordance with the Fair Credit Reporting Act : XXXX XXXX Account XXXX, XXXX XXXX XXXX XXXX  Account XXXX, XXXX Account XXXX, XXXX  XXXX Account, XXXX, XXXX XXXX  Account XXXX, XXXX XXXX  Account XXXX, XXXX XXXX Account XXXX, US DEPT OF EDXXXX XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX & XXXX Account 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 : Also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This letter is regarding account # XXXX, which you claim, I owe [ {$120.00} or my account was charged off {$120.00} ]. This is a formal notice that your claim is disputed. acount # XXXX, which you claim, I owe [ {$0.00} or my account was charged off {$0.00} ]. This is a formal notice that your claim is disputed. 


I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, TransUnion and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Consumer complaint received 2021-08-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery calls Every day, all day long calls from all different area codes through out the United States just constantly. Since I have this phone number back in I guess XXXX of 2020 I have tried blocking the calls but they still find a way around this by calling from different area codes all day long. I don't know how they keep getting through. I block one number and another one pops up a few minutes later. This is insane.
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

documents attached shows this account is reporting inconsistently across the credit reporting agencies the account type is wrong account status is inconsistent the date open has serval different dates it appears twice on my credit report as is its two different accounts last date active is very different on each agency.. and account violatates Section 16.004 of the Texas Civil Practice and Remedies Code The statute of limitations on debt in Texas is four years.

Section 392.007 of the Texas Finance Code This section of the law, introduced in 2019, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired.
Consumer complaint received 2021-08-05
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery was issued a cease to desist letter which was sent certified usps mail with return receipt and delivered with documentation on XX/XX/XXXX. In my letter, I asked for ALL communication to stop which means direct and indirect including via all mediums. Reporting to credit bureaus is in fact, an indirect communication. Portfolio Recovery was informed and requested in my cease to desist to remove this alleged debt from all reporting agencies that they have reported to. Portfolio Recovery has not complied nor responded to my letter via mail with the required documentation to terminate their attempts or any other collection agency with regards to this matter. On XX/XX/XXXX, Portfolio Recovery indirectly communicated to me by updating this alleged debt via XXXX  instead with an alleged debt balance owed. This is a violation of my request and I demand monetary compensation of {$1000.00}. Please see all documentation evidence including certified letter with signature, return receipt and the recent indirect communication to XXXX  on XX/XX/XXXX after receiving my cease to desist letter on XX/XX/XXXX.
Consumer complaint received 2022-07-18
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. (TX)

Multiple times I have requested to have every piece of information investigated and verified on this account ( XXXX XXXX ). ( XXXX XXXX SC XXXX ) According to the FCRA XXXX the term " investigative consumer report '' means a consumer report or portion thereof in which information of a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with other with whom he/she is acquainted or who may have knowledge concerning any such items of information. 

I have received responses that the account is verified, but how is that possible if every piece of info on this account is not reported accurately? Clearly, according to the law, a proper investigation has not been completed. According to the FCEA 15 USC 1681, everything has to be 100 % accurate. 

I have attached updated reports ( after being told that everything is verified/accurate ) showing that that is in fact not the case, things are still being reported inaccurately, so clearly a proper investigation was not completed. 

accounts : ( XXXX XXXX ). 
( XXXX XXXX SC  XXXX )
Consumer complaint received 2021-08-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

I am trying to sell my property. There was a lis pendens placed on the title in the name of XXXX XXXX XXXX. When i called XXXX they provided me with a copy of their lien release and stated that when rushmore bought the mortgage from them that they never notifiied XXXX  that the loan was paid since it was bought by rushmore.,. This is part of the email i got from XXXX.