davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PROVIDENT FUNDING ASSOCIATES (WA)

RE : CFPB # XXXX XXXX stated : " Our records indicate that XXXX XXXX 's 2014 property tax amounts reported to Provident Funding ( XXXX XXXX XXXX client and sub-servicer for XXXX XXXX ) were reported on XXXX/XXXX/2014 as XXXX payments of {$1400.00} due on XXXX/XXXX/14 and XXXX/XXXX/2014. '' I would like Provident Funding to verify or deny that XXXX reported to them on XXXX/XXXX/2014 XXXX payments of {$1400.00} due on XXXX/XXXX/14 and XXXX/XXXX/2014 regarding my property taxes.
Consumer complaint received 2023-12-09
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: EQUIFAX, INC. (WA)

my Information was sold and bought illegally because I was a victim of the Eqifax data breach. I want these Items Deleted from credit Reports Immediately. I am attaching Proof that Equifax has admitted that I was a victim of the data breach and Equifax has done little to nothing. Please Help me delete the illegal accounts as well as different variations of my name and different addresses. 
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 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (IN)

As of XX/XX/2023, I have sent letters asking the reporting agencies to remove incorrect addresses as well as my name that is reporting incorrectly. In the letter, I asked that this information be corrected and that I received a letter stating it has been corrected. When I went to pull my credit reports, this information has not been corrected nor have I received a letter stating they have done so.
Consumer complaint received 2015-07-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MN)

I filed a complaint with XXXX and received satisfactory results. However, Equifax and XXXX are reporting inaccurate information on the same XXXX XXXX credit card accounts. Should n't XXXX be reporting the same information to all credit agencies? If so required, then XXXX is in flagrant violation of relevant statutes and should be held accountable.
Consumer complaint received 2023-08-26
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (IN)

I bought a XXXX dollar pre paid card. used it at XXXXXXXX XXXX and would only allow me to use XXXX dollars from it. I had to pay cash for the rest of my order. I checked the account the next day and all my money was gone. XXXX dollars just went poff.
Consumer complaint received 2023-08-26
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: MAS FINANCIAL SERVICES, INC. (CA)

A charge off is a Certificate of indebtedness which means it is income it must be removed from my credit report. Mas Financial is in violation of privacy act 1974, I didnt give Mas Financial Consent to report my personal information I also dont remember doing any business with this company, do to Mas Financial violating my privacy rights, I have been Suffering emotional damage when it comes to purchasing a home for my children not only that I am suffering but my kids as well, this is call pain and suffering, I have been humiliated. I will like to opt out of this charge off, 15 U.S.C 6802-15 U.S.Code 6804 Obligations with respect to disclosures of personal information. Do to sending my information to a nonaffiliated third party such as XXXX and XXXX other fraud has been committed under my name. Please show me where I gave Mas Financial the consent to share my personal information to these institutions.

15 U.S.C 6501-15 U.S.C 6505.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
Consumer complaint received 2015-09-21
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services (CA)

I was in a current lease with Mercedes, which was set to end, and I therefore leased a new Mercedes. Unfortunately, the initial ordering of the vehicle was delayed due to the auto being delivered with the wrong options. This led to a series of extensions of the lease on the Mercedes being returned. I was assured that I would not be charged overage miles because of the errors that caused the repeated extensions of the lease. However, when the new car finally arrived Mercedes established a new account, but added the old vehicle to it. The extra mileage was charged to this account and as a result, my car payments were applied to that balance and not the lease payment, as they should have been. This resulted in XXXX erroneous 30-day delinquencies appearing on my credit report.
Consumer complaint received 2015-09-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (NC)

i have a debt that is showing with this company that is fraudulent its due to my identity being stolen and opened up accounts that i had nothing to do with ... yet they have not removed the account even thoudh i have sent theme the appropriate documents regarding the identity theft.
Consumer complaint received 2016-02-03
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I attempted to refinance my home with the Bank of America. ( I have been a Bank of America customer for forty years. ) I spoke with XXXX XXXX, a mortgage loan specialist with the Bank of America in XXXX XXXX, California. I submitted all of the recommended documents. I am XXXX and getting the requested documents was extremely difficult. 
I was told one week after the documents had been submitted that my file had be " shredded. '' I attempted to speak with XXXX XXXX 's supervisor, XXXX XXXX, and made five telephone calls over a two week period and he would not respond. I was then told to resubmit all the documents. I was told by an operations manager, XXXX, that she shredded the files, but she could not explain why. 
I believe that the Bank of America is making it impossible for XXXX to refinance their homes. The bank is pretending to start an applications. I was told by XXXX XXXX that a home loan application was never started although I had over five e-mail contacts with XXXX XXXX. I made every effort to start an application. I realize now that the entire process was a sham.
Consumer complaint received 2015-07-22
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC (IL)

Nationstar is sending out deceptive solicitations for refinancing. They always claim " lower interest rates ''. They tout " reduced monthly payments '' and " shorter loan terms ''. 
The problem is that the interest rates are significantly higher ( I 'm at 2.675 % ), and the benefits they cite can only be achieved by paying Nationstar higher interest. 
With a finance/accounting degree I know that they 're not offering any benefit, but an uneducated consumer might fall for their tricks.
Consumer complaint received 2023-08-27
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (WA)

Paid of my Ulta and Victoria Secret Credit Cards owned by Comenity Bank. Called to pay off accounts and requested email confirmation of my accounts being closed down. The agent confirmed and I left it at that. 

The cards showed paid off and closed on credit report, my accesses were closed down so I could no longer log in. I assumed I missed the email. 

In XXXX I recieved a letter for each card with interest fees I was charged after my accounts were " closed ''. 

I went to each platform to log in and both confirmed I didn't exist. Had to call customer service to re-gain access. 

Once I gained access I sent a message telling them everything I just stated amd requested they remove the fees and close my account as I had originally requested.

They sent a letter via physical mail denying my request and threatening to send me to collections if I didn't pay. Now the cards are back on my credit score and I can not log in due to not existing in their system. 

Please help. I always paid their cards on time and never thought I would be placed in a situation like this. 

Thank you for your help. 

Regards, XXXX
Consumer complaint received 2023-08-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc ()

On XXXX XX/XX/XXXX  when I did my last money transaction the ID XXXX for {$15.00} in my Paypal account and by XXXX XXXX got an email that my Paypal account has been permanently deactivated and that I can nolonger receive or send money using the account, this gave me no warnings and I do not understand the rules and regulations that I violated to have my account permanently deactivated. 

I have triend sending massages to paypal customer service agents but no response yet, please help me reach the company and have my account activated. Thank you.
Consumer complaint received 2016-03-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Med-1 Solutions, LLC (IN)

Med-1 Solutions made demand for ( {$87.00} ) the hospital debt which is not correct. I send register letters to the Med-1 on XXXX/XXXX/2015 and XXXX/XXXX/2015 asking to validate the debt.Did not have respond, and damage to my credit makes me to pay highest interest on my commercial XXXX loan.My damage is over {$10000.00} due to the highest interest I pay.
Consumer complaint received 2023-08-26
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NV)

On XX/XX/2023, I mailed XXXX XXXX XXXX XXXX XXXX an initial letter requesting full debt validation of the alleged debt in question via Certified Mail. XXXX XXXX XXXX XXXX XXXX received my initial letter on XX/XX/2023. 

After 30+ days, I did not receive a response from their office, so I mailed my second letter requesting full validation for the alleged debt in question again via XXXX XXXX on XX/XX/2023. XXXX XXXX XXXX XXXX XXXX received my second letter on XX/XX/2023. 

After waiting for an additional 30+ days, XXXX XXXX XXXX XXXX XXXX failed to send their responses. 

As a consumer, it deeply concerns me that despite my written disputes and the absence of proper debt validation, XXXX XXXX XXXX XXXX XXXX has continued to report this alleged debt on my credit reports as of XX/XX/2023, which is a collection activity. This persistent reporting constitutes a clear violation of the FDCPA and is causing me significant distress. 

I do not know who XXXX XXXX XXXX XXXX XXXX is, nor have I ever done business with them or been lent any money by this agency for me to owe such alleged debt nor do I agree with this alleged debt on my reports as I never signed anything with such agency.
Consumer complaint received 2016-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ECMC GROUP, INC. (TX)

I initially requested a hardship/deferment for my student loans with ECMC. I did n't receive any late notices or requesting information letters from this service provider. Now I am receiving letters of wage garnishments. When I talk to reps on the phone my calls are never documented like they should. I have even reached out to the ombudsman. I have submitted requests to have documents to be re-sent to me, and have not received anything. I have even requested assistance on how to rehab the loan. This collection agency is not helpful at all. I am willing to pay something, but they will not provide the requested information in writing.
Consumer complaint received 2015-07-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (FL)

The company is Midland Credit Management but on caller ID it shows up as XXXX XXXX ( XXXX ) and they will call up to XXXX times a day every day but when I answer there is no one there and they just hang up. Also they will never leave a message on my machine. I am XXXX XXXX and all these calls constantly at all hours of the day and night are aggravating my injuries and causing undo stress.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

According to the fair credit reporting act 15 USC 1681 SECTION 602, The consumer reporting agencies are to insure the reporting with grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX are consumer reporting agencies and I the consumer. My right to make assure my information isn't shared which is aided by 15 USC 6801, that it is policy of the Congress that financial institutions have an affirmation and continuing obligation to respect the privacy of its customers and to protect the security of those consumers nonpublic personal information. ( Furnishing of information to credit agencies ). 15 USC 1681 section 604 a section 2, In accordance with written instructions the consumer reporting agencies may furnish a consumer report. XXXX and XXXX do not have my written consent to furnish this report. any and all verbal, nonverbal, written or otherwise, consent to XXXX and XXXX have been revoked. 15 USC 6802 ( A ) ( B ), Financial institutions may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnishing of information to credit agencies ). I was never informed of my right to exercise my nondisclosure options. 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies may not make any adverse reporting other than reporting of conviction of crimes which antedates seven years. This account is an adverse item they are reporting without my permission which is against the law. 15 USC 1681S-2 ( a ) ( 1 ), A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate. 15USC 1681E, All consumer reporting agencies shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7, A consumer may exercise the right to opt out, I am opting out of the reporting services. 

Any other information other than provided below is inaccurate and to be removed. 
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-02-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MO)

HSBC paid my taxes out of my escrow account and when it was returned, it had already been paid, they did not return the money to me. 
This was because the HSBC account was to be paid off in XXXX 2015. HSBC instead applied it as payments. This kept the account open so they sent the tax payment, which had already been paid by the new mortgage company. When the money was returned the account was closed as I had pointed out their error and they paid off the loan thus closing the account. 
I have been trying to get this money since XXXX 2015 and they keep telling me that they are still reviewing it. Customer Service says that they can see where the money was paid and returned but the refund it is handled by another department and all they can do is escalate the request.
Consumer complaint received 2016-03-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: ERC (NC)

I received a call from ERC ( collection debts company ) from the number XXXX at XXXX, they said I owe {$92.00} to XXXX and they are there to collect it. They asked me for addess confirmation, they knew my address, and also the social. When I asked what does ERC do, the lady heng up. I called twice trying to gather more information, two more guys spoken with me but it was rude and they heng me up when I stated I payed everything to XXXX by 2014.
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

I am the victim of identity theft and I have disputed the XXXX XXXXXXXX XXXX  on my credit report numerous times and it has yet to be removed. I filed a report on identitytheft.gov also and provided proof of me filing the report. All of the credit bureaus are refusing to remove the account from my credit reports. There was another account that was opened fraudulently around the same time, when filing my complaints I did them together at first and they did remove the XXXX XXXX that was a result of identity theft. I just am not underwing why they will not remove the XXXX XXXX XXXX I have done everything that I needed to do to prove that that is not my account.
Consumer complaint received 2023-08-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Kikoff Inc. (CO)

To Consumer Financial Protection Bureau ( CFPB ), Subject : Unauthorized Transactions with Kikoff Inc. through XXXX From : XXXX XXXX I am writing to bring to your attention an ongoing issue I have been experiencing with Kikoff Inc . I have observed unauthorized transactions on my account via XXXX, transactions that I never initiated or authorized. 

I had previously filed a complaint with the CFPB regarding the same issue, expecting a resolution, but my efforts have been in vain. In response to my complaint, Kikoff Inc. did reach out to me, asking me to call them directly to provide further details on the unauthorized transactions. To that end, I have contacted their customer service department on four separate occasions. Each time, I have been met with a lack of clarity, inconsistent information, and confusion. Their representatives seem unable to explain the situation or even confirm whether disputes have been opened for the said transactions. 

Adding to the frustration, their response from XX/XX/XXXX is misleading. I had contacted them well before that date and provided all the information they had requested in their reply to the CFPB. Their claims are inconsistent with the actual timeline of events and the steps I have taken to address this matter. 

Moreover, the consistent inconsistency in the information provided by Kikoff 's representatives is concerning. It has been challenging to get a straight answer, and it feels as though I am being given the runaround. I place a high value on transparency and honesty in all my financial dealings, and it's troubling to feel this trust might be breached.

I understand that errors can occur, but the lack of responsibility and communication from Kikoff Inc. is unacceptable. I am seeking assistance from the CFPB once again, hoping for a decisive resolution to this matter. I need these unauthorized charges to be addressed promptly, and I would also like an explanation from Kikoff Inc. about their misrepresentation of events and their inability to assist their customer adequately. 

I appreciate the CFPB 's assistance in this matter and hope that with your intervention, this issue can finally be laid to rest. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-26
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: V and H Portfolio (CA)

Around XX/XX/2023 someone applied for a payday loan using my information. I reached out to the payday company letting them know that I did not apply for the loan and to remove it from my credit report.
Consumer complaint received 2023-08-26
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. (TN)

In accordance with the Fair Credit Reporting act XXXX Account TN DEPT OF HUMAN SVCS 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 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 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

Hard inquires removed and deleted from Equifax credit report I have filed a dispute XXXX XXXX XXXX XXXX XX/XX/XXXX Factual Data XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 2023-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I'm looking to purchase a new home for the first time and I've never looked at my credit before. To look at it and see these fraudulent items was quite disappointing to say the least. According to law 15 U.S.C 1681 there should not be any damages to my report, it's a defamation to my character.
Consumer complaint received 2016-02-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (TX)

I mailed in a check for a water bill for {$1.00} ( yes, that is XXXX Dollar XXXX ) that was dated for XX/XX/XXXX. However, the check was deposited & cleared my account more than 2 weeks prior to that date. As I rarely actually write checks ( and usually to prepay my account -- which is why my water bill was only {$1.00} ), I was surprised when the check cleared so early. I contacted the bank ( Chase ) to find out what their policy was on depositing post-dated checks and was advised per " whatever lame agreement they quoted me '' that they can basically post it whenever they want, with no regard whatsoever for the date. As the check is so small, and I had plenty of money in the account, this really was n't an issue. However, it is blatantly -- and unilaterally -- unfair to the average consumer that is relying on the date clearly written on the check to be honored to allow this practice. I guess this is one MORE reason to not write checks and to hate the US banking system.