davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-06
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: EQUIFAX, INC. (MI)

On XXXX XX/XX/XXXX XXXX XXXX responded to CFPB complaint XXXX stating : " Your account was charged off on XX/XX/XXXX and we are no longer sending you billing statements. '' However, the collections agent XXXX XXXX assigned stated " Your account was recalled by XXXX on XX/XX/XXXX ; '' That is, XXXX XXXX recalled the account knowing full-well a billing investigation had not been conducted. Yet, without conducting a billing error invesigation, XXXX XXXX allegedly charged-off the account on XXXX XX/XX/XXXX. Under 12 CFR 1026.13 Billing error resolution XXXX XXXX was to have conducted a billing error investigation. They did not. Moreover, 12 CFR 1026.13 ( 2 ) states that Adverse credit reporting is prohibited. " The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. '' What XXXX XXXX did was conduct a billing error investigation post-facto, and then commenced furnishing negative payment history to the CRAs around XX/XX/XXXX. I have had to have it removed when I've caught it. Unfortunately, XXXX XXXX began reporting payment history again to the CRAs in XXXX of XXXX advancing deliquency status by thirty ( 30 ) days but have failed to send me a bill. It is incohate for a charged-off account to both be charged-off and past-due, advancing the adverse payment history every thirty ( 30 ) days. Finally, screenshots from XXXX XXXX website celarly show that out of the total outsanding balance only around four-hundred dollars is allegedly past-due, which is consistent with the adverse history furnished to the CRAs. Since XXXX XXXX is clearly furnishing payment history to the CRAs, while amditting they are no longer sending me statements, '' I am asking for the CRAs to remove the account/tradeline for this accout because the account history remains incohate due to the post-facto billing investigation. They have chosen not to comply with Federal law regarding Regulation / TILA, billing error investigations under 2 CFR 1026.13, collection practices under FDCPA, and data furnishing responsibilities under the FCRA.
Consumer complaint received 2023-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

Property taxes are past due although taxes and insurance are escrowed each month. 

Overage of payments are applied to servicer fee, not principal, taxes or insurance. 
A request for documentation that provides proof that Carrington was authorized to take over from original servicer.
Consumer complaint received 2022-08-06
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. (FL)

CFPB Write up in accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX & XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-06
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: EQUIFAX, INC. (GA)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Equifax and XXXX XXXX XXXX XXXX have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The remaining inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
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 2022-08-06
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. (NC)

I am a protected consumer and natural person In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. 

Regarding alleged account # XXXX XXXX XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-06
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. (NC)

I am a protected consumer and natural person In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. 

Regarding alleged account # XXXX XXXX XXXX XXXX, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I noticed my XXXX XXXX, XXXX WAS REMOVED FROM MY CREDIT REPORT AND HAS DROPED MY UTLIZATION SEEMS TO BE ON PUERPOSE BECUSES I NEVER CLOSED THIS ACCOUNT AND ITS IN GOOD STATDNING. 

MY XXXXXXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX LAST 4 XXXX ADRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX
Consumer complaint received 2022-08-06
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been the victim of identity theft since XXXX and I have contacted TRANSUNION several times in order to remove fraudulent inquiries I have in my credit report and they had not removed them. I have the followings inquiries in Transunion unauthorize : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXXXXXX I request this inquiry to be removed immediately.
Consumer complaint received 2022-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (MA)

Care Credit Sychony Bank I applied for a credit card mostly for vet  bills for animal care, years ago I did have one it was paid in full, Last year I applied a second time and it was approved and I was sent the card and I never needed to use it so I was sent a letter by the credit card stating that if I did not use the card by XX/XX/2022 they were going to cancel the card, so I did not need to use the card at all so it was cancelled. So now I wanted to get the credit card renewed and was denied for a reason unknown called the company and they stated they never sent the letter and have no records unfortunately I can not find the letter or credit card number so this is my problem I just would like to know why my application was denied and I had a valid credit card before Thank you for your time
Consumer complaint received 2022-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (PA)

On XX/XX/2022, I toured an Apartment Complex called XXXX XXXX at XXXX. It had only been under the management of a new management company called XXXX XXXX for a week. After the tour, I decided I would apply for an apartment # XXXX, which was currently vacant and available. I filled out an application and attached it as a PDF to my email on XX/XX/XXXX. The online application portal was not functioning yet and XXXX, my agent, told me they would find out if I should drop off a Cashier 's Check or pay online later, when they had their payment and application portal workig. 

I could not pay the {$75.00} Application fee with the fully refundable Amenity fee of {$400.00} because I was not there anymore, and I would have to get a Cashier 's Check and mail it to them. I had returned to Michigan by that time, and was communicating with them via phone. Finally I was able to get a hold of XXXX and she told me the company would send me an electronic link to apply and pay this fee online. 

So I paid this fee, later on XX/XX/2022. 

However, XXXX told me approximately 5 days later, my application was not accepted. They would refund my Amenity fee. When I had paid the amount on XX/XX/XXXX, there were added electronic processing fees added, so it was approximately {$500.00}. I kept following up with this company, and she said they would refund the fee by a paper check. A week later, I called and they had still not cut the check. Notably, this XXXX never would call me back or leave me a message, I always had to call her. 

They never did send me a paper check, so in early XXXX, I filed a claim with my bank in a Dispute with XXXX XXXX at XXXX. My full fee was refunded, although my claim was for the amount minus the application fee. 

Then on XX/XX/2022, after I had moved and gotten settled into a new apartment, I received a Debt Collection letter from XXXX XXXX at XXXX in the amount of {$520.00}. 

The XXXX collection letter said it was for a XXXX. I never signed a lease with this company, and this management company is trying to ruin my credit.
Consumer complaint received 2022-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2022 a XXXX XXXX with XXXXXXXX XXXX and also XXXX, XXXX and XXXX XXXX XXXX obtained my banking information and charged an unauthorized transaction of {$340.00}. I do not know this person. The number XXXX is for an XXXX XXXX The numbers and chat service for company do not work. My bank institution Bank of America has not reported as Fraud when I have fraud protection. A customer service rep had me open another account and move my monies and get a new debt card. I went to Bank of America on XX/XX/2022. It was an 1 hour wait to see someone then a 30 min wait on the line. I was not assisted by a customer service rep. I was told to login to my phone select fraud and number was dialed. After waiting for 30 minutes the rep was customer service not fraud. No one available in the fraud department. The rep at the bank stated she would contact fraud with me but instead had me login to bank WiFi and click on fraud and put me in an office by myself to handle the issue. She never returned to help and I did not know I was speaking to customer service. She stopped helping me an XXXX XXXX of the XXXX community to help someone that did not speak XXXX XXXX. When I asked for her help I had to wait. The two calls made on XXXX the reps were not in the fraud department and did not open a claim from the fraudulent transaction. But sent the issue to check fraud when the transaction was not completed by check.
Consumer complaint received 2022-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Prosper Marketplace, Inc. (FL)

Prosper Marketplace IncXXXX, on the first date of use ( XXXX ) was arbitrarily restricted without notice or communication. Customer Service advised via phone that card was restricted for suspected fraud but could not provide details on which specific transactions. The terms of my use can not be honored and I found the company 's business practices to be both unreliable and unethical. I made the decision on XXXX to transfer the balance and close the account. Once again I contacted customer service and was advised that the company would not support the balance transfer which I never heard and was never provided documentation for. I have never heard of a company that I could not transfer a balance from and wish to never conduct business with one of this caliber again. I was not allowed to speak with a supervisor and have yet to receive any communication regarding this card restriction.
Consumer complaint received 2022-08-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

Issue : I send money to a wrong person via XXXX XXXX Bank of America application. 
date of transaction : XXXX XXXX of $ I transferred : {$3500.00} I sent that amount of Money from my Bank of America XXXX account. 

Explanation : I mistakenly sent {$3500.00} to a wrong account. I was supposed to send that amount of money to my sister but the money did go to someone else who took her phone number. my sister did go to vacation overseas when she come back her phone number was given to someone else, when I was trying to send her money I mistakenly used her old phone number and the money did go to the new phone number user. I contacted XXXX they told its only Bank of America that can help me because the transfer was performed in Bank of America XXXX. I filed a claim to Bank of America and they responded they can not approve my claim and neither can return my money because I initiated the transaction, they told me that the only way XXXX get my money back is to contact the receiver and ask him if he is willing to send the money, I called the receiver ( the guy who now have my sister old phone number ) he said he did not receive that money on his account. 

please help me, its a lot of money for me, and the bank of America did not give the help that I think I deserve as client. 

thank you,
Consumer complaint received 2022-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

I have recently changed homeowners insurance policy in XXXX XXXX XXXX  for the first time since inception of mortgage ; the cost of premium decreased from around $ XXXX annually to around $ XXXX annually ; however the escrow amount increased by the amount of the savings. My payments were around $ XXXX before the change of insurance to know over $ XXXX, payment should be around $ XXXX after insurance change.
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NC)

I received a letter from the UNITED STATES BANKRUPTCY COURT XXXXOR THE EASTERN DISTRICT OF VIRGINIA OFFICE OF THE CLERK XXXX XXXX XXXX XXXX XXXX XXXX  VIRGINIA XXXX. THE BANKRUPTCY CLERK STATETED IN THE LETTER THEY DO NOT VERIFY INFORMATION WITH CREDIT REPORTING AGENCIES. ALSO, THEY DO NOT REPORT INFORMTION TO CREDIT REPORTING AGENCIES OR XXXX XXXX. SO HOW WAS THIS ACCOUNT VERIFIED???? 

NAME : XXXX XXXX XXXX : # XXXX ADRESS : XXXX XXXX XXXX XXXX  XXXX XXXX NC XXXX *DELETE THE XXXX XXXX BANKRUPTCY FROM THE XXXX XXXX XXXX XXXX  THATS BEING REPORTD ON MY CREDIT REPORT.
Consumer complaint received 2022-08-06
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

On or around XXXX MBA LAW obtained private and confidential medical information about me and my XXXX  child then furnished the information on my consumer reports in an attempt to extort me. IN XXXX I received a letter threatening a suit and stating I must call them, I did and told them I would get an attorney in which at first they advise me not to then told me they couldn't talk to me they would have to talk to the attorney I got and the call ended. About a month went by and the accounts were off my consumer reports and then reappeared. I then disputed them and asked for validation and verfication in which they sent me diagnosis and treatments and other embarassing confidential HIPAA protected informtation including social security numbers and insurance policies of that of my XXXX  XXXX year old child and I. After that the account was removed without any further communication from MBA LAW who in fact represent themseleves as lawyers and debt collectors yet do not and did not have a NMLS # vaild for the state of florida which would be needed to collect debts. In XXXX the account reappeared under two new companies. XXXX XXXX  and XXXX XXXX. After many arguements and disputes over this debt it was found that MBA law transferred or resold the debt to them knowing that it was fraudlent debt. During a recent third party dispute I found out that MBA LAW admitted to being the " attorney 's '' for assetcare or at least answered for them. When question with why MBA LAW was answering for another debt collection agency, they stated they were their representatives and attornies and then ignored me. Assetcare and capio parteners aso have NMLS # that are not vaild in the state of flotida and have resold the fraudlent debt. I recieved a letter in XXXX from MBA LAW stating that they " removed all information about me and will no longer attempt to collect the debt '' yet resold the debt to XXXX XXXX services on or about XX/XX/XXXX. This company is practicing illegal activities, identity theft and pure fraud. This company has violated over 100 of my unalienable God given congress granted consumer rights over the last five years and has inflicted an immensible amount of harm to me and my family. I expect the CFPB to back me on this complaint and move forward accordingly.
Consumer complaint received 2022-08-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (AL)

Hello my Venmo acc was frozen on XX/XX/22 with no clear reason as to why other than an email requesting that I send a photo ID which I immediately did so ... after waiting I contacted customer support to be advised of why my account had been frozen no one could answer and gave me a turn around time of 2 weeks ... after checking the site the standard turn around time is 7 days to unfreeze an acc and upon review I don't see any violations of terms that would have caused the account to be frozen..after reaching out several times I advised that I would be reporting this issue to XXXX as no one could explain what triggered the account to be frozen after going back and forth for weeks and having agents escalate the issue they finally contacted me back stating my account was now permanently deactivated and my funds will be held for up to 180 days ... received this email at XXXX XXXX  and immediately wrote back and received a generic message stating they were closed ... .I don't feel this is just nor far as they never provided a valid reason and I do not owe them any money for my funds to be held
Consumer complaint received 2022-08-06
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. (MO)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$990.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX  XXXX Balance : {$770.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$220.00} ; XXXX XXXXXXXX Balance : {$110.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$710.00} ; XXXX  XXXX Bankruptcy XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX
Consumer complaint received 2022-08-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Law Offices of Goldsmith & Hull A.P.C. (CA)

this loan was paid off then they added a bunch of interest charges. i keep getting collection calls all times of the morning before XXXX and calls after XXXX. They are also calling relatives friends and old room mates. They are leaving several messages I am attaching voicemail left on my mothers phone.