davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BOK FINANCIAL CORP (NM)

XXXX XXXX XXXX has made it their Standard Operating Procedure/practice to place borrower 's partial payments in 'suspense ' ( i.e. delay application to the borrower 's obligation ). I just spoke ( XXXX/XXXX/15, XXXX XXXX Mtn ) with their Representative that confirms this both specific to my account and broader to all XXXX accounts. 
XXXX XXXX, 2015 I wrote to XXXX stating my instructions for partial ( and overpayment ) payments. This mailing was sent/confirmed by USPS certified. More specifically, I requested funds not be held in suspense, but rather applied immediately for principal reduction. Today, by phone, the Representative states that this is NOT happening on my account, but rather XXXX continues to place partial payments in suspense. I stated for the Representative that my complete intention of partial and/or overpayments were for the purpose of me to save/escape some interest expense over the life of the loan ( XXXX is aware of this! ). In my opinion, FirstLand and the like should be severely fined for such disregard of the consumer. Had I known that I would be subjected to such practices, and the onus be on me/consumers, I would have worked to find/control more reputable lending. 
Respectfully, XXXX XXXX, XXXX. XXXX XXXX, NM XXXX XXXX XXXX ) XXXXXXXXXXXX
Consumer complaint received 2016-12-08
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: PLATINUM HOME MORTGAGE CORPORATION (IL)

Several Employees at Platinum Home Mortgage XXXX XXXX for purposes of a competitive advantage have put up hundreds of horrible untrue links that disparage me and other people that I work with. I spoke with the attorney for platinum and he told me that he would not be able to help me. These are horribly false complaints by his company 's employees that have hurt me both personally and financially. 
The company and XXXX of their loan officers and management teams including their NMLS number are included in the links : XXXX XXXX XXXX The XXXX. 
XXXX XXXX NMLS XXXX is a disgruntled former employee who works for Platinum and runs a completely non-compliant website, XXXX for Platimun Home Mortgage XXXX. I ca n't prove that he 's behind this so I wo n't accuse him. However XXXX of his team XXXX XXXX is obviously involved based on the links I 'll provide to you on google. XXXX also a Platinum Home Mortgage NMLS XXXX employee does his programming also has a website, doctorsfundinggroup.com that directly links to all of the XXXX consumer sites. I do not want to file this but Platinum left me no choice. I ca n't take these things down. Only they or their employees can.
Consumer complaint received 2017-01-24
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I applied for a Capital One Credit Card to help raise my credit score. I made very small purchases on my Capital One Credit Card, and paid these small balances off immediately, even before my statement due date. I was under the impression that I was making a valiant effort to repay my debt. There was an error in my bank information resulting in my payments being returned. When I noticed this action I immediately called Capital One to resolve the issue. Upon resolution, I was guaranteed there would be no negative action on me including late fees, negative credit reporting or closed account. The next day I found out my card was placed under fraud alert, due to my returned payments, which I corrected the day prior. Capital One needed to verify my bank information, which I complied with, and confirmed a few days later. The payment was withdrawn from my bank account. After my bank account was confirmed, my account with Capital One was closed. I AGAIN called Capital One to figure out why my card was declined, I was informed my account was closed. I spoke to at least 10 managers and more than 20 representatives during my phone calls, and was assured over and over my account would be okay. I was told I would receive a call back by many representatives. I was told I should expect a call back within 3-5 business days, it has been 7 business days since my last phone call. I have done everything and more expected of me to resolve any issues with Capital One, including initiating phone calls when something was wrong with my card. The guarantees provided by Capital One have not been honored, or valid. The customer service provided by Capital One has been horrendous, and no one is willing to help me with this issues. I have spent over 20 hours on the phone trying to resolve these issues. I have been the one to initiate the phone calls, and try to get a resolution. I believe Capital One is unwilling to help their customers, and wrongly closed my account causing : loss of time and possible damage to my credit. Had Capital One notified me of any suspicious activity I would have been able to resolve these issues immediately. The notification of Capital One is the reason I am in this situation.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Dear CFPB, I'm writing to update you on my ongoing credit report dispute with XXXX, Experian and XXXX regarding inaccurate information ( XXXXXXXX XXXX XXXXXXXX -Experian XXXXXXXX XXXX  XXXX. Unfortunately, despite filing my initial dispute last Month and exceeding the 30-day timeframe outlined in the FCRA, I have not received any response or update from the bureau ( s ).

The continued presence of this inaccurate information continues to cause me significant harm and hurting my credit credibility I urge the CFPB to take immediate action and : 1. Investigate the bureau ( s ) ' non-compliance with the FCRA.

2. Demand a prompt and thorough investigation of my disputed information.

3. Hold the bureau ( s ) accountable for the delay and any harm caused.

4. Ensure the immediate removal of the inaccurate information from my credit report if verified.

I have attached the following documents for your reference : 1. Copies of my credit reports 2. Copies of my dispute letters 3. Copies of any supporting documentation I provided to the credit bureaus Thank you for your prompt attention to this urgent matter. I look forward to a swift and effective resolution. 

Sincerely,
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I am writing to express my concerns regarding several issues I've encountered with the credit bureau, such as incorrect account listings, an unfamiliar collection, unauthorized inquiries, inaccuracies in credit reporting, and billing errors. I am seeking assistance to resolve these matters to protect my financial well-being.
Consumer complaint received 2017-01-25
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

I never received a statement from original creditor and I believe that this is not accurate, I send them different letter and they never reply, I hope this is not a fraud, it ' s affecting my credit score, I also contacted the XXXX credit bureau, XXXX and XXXX deleted only XXXX keep reporting with what kind of proof??
Consumer complaint received 2024-09-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (PA)

A transfer occurred from Ally savings from XXXX XXXX ( legitimate ) to XXXX XXXX ( fraudulent ) on XX/XX/year> for {$3000.00}. Same type of transfer on XX/XX/year> was for {$5000.00}. These funds were never authorized by my daughter, XXXX, nor I, who both own the account. 

Her username with Ally is XXXX XXXX and her legitimate recipient account nickname for XXXX XXXX is XXXX XXXX She doesnt use XXXX XXXX for anything. Upon looking at her XXXX XXXX  account and XXXX accounts, those XXXX amounts were never received, further verifying that it was not her that authorized those transfers. 

We have placed several phone calls with Ally to investigate this and to protest their findings. They deemed that they are at no fault ( and insinuated that she is at fault somehow ) and that she will not recover the total of {$8000.00} loss. In a phone call a few weeks ago, they basically stated that they investigated and that they had found her at fault somehow and that not only would they NOT reimburse the {$8000.00} ( FDIC INSURED ), but they would shut the account down and send her a check for the balance. 

As of this weekend, not only is the account not at a XXXX balance ( shut down ), but it seems its almost being held XXXX, as the money cant be transferred or accessed online any way. The account has been in limbo for several weeks now. Ally doesnt communicate with us, rather we find things out when we place the phone calls to them. 

We have filed a police report, an fbi report, are doing everything by the book, and still no satisfaction with Ally, with whom we thought the money was protected.
Consumer complaint received 2024-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MA)

Dear CREDIT COLLECTIONS, I am writing to formally dispute an alleged debt of {$840.00} related to XXXX XXXX XXXX that appears on my credit report. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 

This claim violates both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I believe your actions infringe upon my rights under : 15 U.S.C. 1692e : Prohibiting false, deceptive, or misleading representations in connection with debt collection.

15 U.S.C. 1692f : Prohibiting the use of unfair or unconscionable means to collect or attempt to collect any debt.

15 U.S.C. 1692g ( b ) : Requiring proper validation of the debt and notification of my rights. 
15 U.S.C. 1692d : Prohibiting harassment or abuse in the collection of a debt.

To resolve this matter, I request the immediate removal of this account from my credit report and demand the cessation of all communication and collection activities, as provided under 15 U.S.C. 602 ( a ).

Please provide the following documentation : Proof of your authorization to collect this debt under 15 U.S.C. 1692e and 15 U.S.C. 1692f. 
Legal basis for the collection of this debt. 
Proof of your authorization to operate in my state. 
Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
Complete account history, including all collection-related charges. 
Your prompt attention to this matter is required. Failure to comply may result in further legal action to protect my rights and interests.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

As per the guidance from the XXXX XXXX XXXX ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX -Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Experian. Please delete the following accounts 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 XXXX XXXX XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

I am writing to ensure you have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate and shall be removed from my credit report immediately. 
I am filling this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. 1 have enclosed copies of my state issued identification and social security number to validate my identity. 
Regards,
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

This is my XXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-11-03
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Integrated Recovery Services (AK)

Let me start by stating that I DO NOT OWE THIS COMPANY A DIME. THEY ARE CONTACTING ME TO FIND MY XXXX year old Married Son. 
I was contacted by a man who identified himself as XXXX XXXX. He stated that my son was in a lot of trouble. He then went on to say that there was a Summary Judgement filed against my son. I interrupted him saying that my son was an adult and I do n't owe his company or the company he is representing any money. He got angry and said he did n't know that the company my son works for was in the business of " hiring snakes '' and if I was n't such a " bad mother '' then I would know where my son is and I was a " crazy person. '' I hung up and he called back. I handed my husband the phone. When asked to identify himself he ( XXXX ) stated, " This sounds like an episode of XXXX XXXX '' ( A blatant and obvious derogatory statement regarding our racial identity. ) My husband asked him what company he represents and he just began yelling out my social security number ( the phone was on speaker. ) We hung up at this point. 
Several minutes later our XXXX daughter called from school stating that she received a call from XXXX XXXX and he stated, '' Are you going to talk to me or are you a mean person like your mom. '' She was confused so she hung up and called us immediately. 
I got a message five minutes later from XXXX XXXX in which he stated that he intended to take me and my minor daughter to court regarding my son 's alleged debt. 
Let me reiterate that this man/company is attempting to reach my XXXX year old adult married son.
Consumer complaint received 2017-01-25
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Bread Financial Holdings, Inc. (GA)

XXXXComenity bank did a Hard Pull on my credit which on XXXX different dates XXXX/XXXX/17 and XXXX/XXXX/17. I absolutely did not authorized a Hard pull much less twice on XXXX different dates. Spoke rep and they said ca n't remove I need to dispute it and she agreed that they only do SOFT pulls. Please help remove I 'm trying to purchase a home. Would not agreed to hard pulls. Thank you
Consumer complaint received 2016-07-05
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITYWIDE HOME LOANS A UTAH CORPORATION (UT)

When I contacted the broker, I was told loans could process in as little as 8 days. When I asked if they could insure 21 days I was told absolutely yes. I am now being told 30 days at the best. 
Initially, XXXX % down was agreed upon. After committing to use their program, I was informed that XXXX % would need to be placed down. 
EVERY SINGLE PROMISED DATE HAS NOT BEEN MET. There has been delay after delay, all blamed upon other entities but, it seems to me there has been little or no sense of urgency to resolve until I get a hold of them at the end of the day and then it is too late for that day. I constantly receive promises that are not kept. The loan processor does n't work every day so there are days where no updates are forthcoming. 
In summary, I feel I was led into a loan and once I was vested in it there has been lack of communication and no sense of urgency to fulfill their promises. 
I advise anyone working with this office to be cautious about what they are promised.
Consumer complaint received 2017-01-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Prince Parker & Associates (GA)

I received a voice mail from XXXX, at Prince Parker & Associates, for me to call her back. I called her back and she proceeded right away to tell me that they were attempting to collect a debt from XXXX XXXX XXXX. When I tried to explain to her that I would need to contact XXXX XXXX XXXX back because we do not owe that amount. She cut me off and did not want to hear anything I had to say. She kept telling me that I was not calling costumer service that this was a debt collection agency and I was turned over for non-payment. That I could either pay it or tell her that I was n't going to pay it and she would not the account that I was n't paying and they would take action from there. I told her that since she was not going to listen to me. That was fine and that our conversation was over. She was extremely rude and aggressive during the entire call.
Consumer complaint received 2017-01-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

Took a loan out with Santander Bank on XX/XX/2016. They escrowed money from my loan proceeds to pay all of XX/XX/2016 taxes. Just found out they never paid them and now I 'm delinquent on my borough and county taxes. When I called them they told me they never took out the money which I can see on my settlement statement they did. XXXX XXXX in Mortgage Servicing told me they never with held any loan proceeds. I want a full accounting of my entire settlement, since they also paid off homeowners, title insurance, etc. Every time I call them I get a run around.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX loans were transferred to XXXX in XXXX. Total is near XXXX and my fresh start save application was approved prior to the transfer. 
XXXX made up a loan I do not have for XXXX and growing on my credit report XXXX per month. 
I do not have A loan in that amount. XXXX and Experian did not do their due diligence as required by law. Screenshots from my account on both the lender and servicers portal .They report XXXX originally XXXX and now owing XXXX with interest accruing for XXXX months. My loans are are not consolidated. 
I lost a car loan in XXXX due to this and was denied credit specifically due to my monthly obligation and utilization. Approved XXXX days before. This went on and ruined it. I want it fixed. I expect compensation either voluntarily or in small claims court
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.