davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Account opened XX/XX/2023 XXXX statement closed XX/XX/2023 Balance of {$60.00} due XX/XX/2023 Payment of {$5000.00} made via phone XX/XX/2023 XXXX statement closed XX/XX/2023. 
Balance of {$1500.00} due XX/XX/2023. 
XX/XX/2023, I made a payment via transfer from a company-related Bank of America business checking account, in the amount of {$1700.00}. 
XX/XX/2023, I logged in to pay XXXX statement balance and discovered payment made XX/XX/2023 was reversed by Bank of America XXXX XX/XX/2023, and never posted to other bank account. Reason given was " chk return -- no signature '', but there would be no signature on a payment by phone. I was never notified of the reversal in any form -- I could have received an email, phone call, or text message. I only learned about it by checking my bank account dashboard online. 
Bank of America charged late fee of {$49.00} on XX/XX/2023. 
Bank of America charged interest of {$24.00} on XX/XX/2023. 
XX/XX/2023, I made a payment via transfer from a company-related Bank of America business checking account, in the amount of {$5100.00}. 
XX/XX/2023, I made a payment via transfer from a company-related Bank of America business checking account, in the amount of {$500.00}. 
XX/XX/2023, the online dashboard continued to show a credit balance owed to BoA, so I contacted customer service for clarification. They informed me my account had actually been transferred to collections as past due. The customer service specialist agreed with me that there must be an error, and advised me to call back in 1 to 2 days to allow the system to update. I never received a notification regarding collections. 
XX/XX/2023, I received an email informing me that the credit card account was closed by Bank of America, with a reason to follow in writing. 
My account was just over 60 days old, never had a balance past due, and the system errors that resulted in apparently an automatic closure have left me with a closed account that has a debit balance of {$780.00}. In other words, BoA closed an account wherein they owe me money PLUS they charged me a {$75.00} new account annual fee, {$49.00} late fee, and {$24.00} interest on a balance that had been paid. Are they planning to mail me a check? If this is not bank fraud and deceptive practice, I don't know what is.
Consumer complaint received 2016-05-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

Inaccurate information is on my credit report with Equifax , XXXX, and XXXX. XXXX XXXX states I owe them {$1300.00} for non-paid rent at XXXX XXXX. I have no knowledge of this and have never lived at XXXX XXXX. I am applying for a XXXX job and need this to be removed. XXXX says they verified this information as correct and that 's impossible since I 've never lived at XXXX XXXX. How did they investigate this, something is very fishy and I just need this removed from my Credit Report immediately or I will be forced to take them to Court.
Consumer complaint received 2017-02-07
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (MO)

Seterus, Inc. purchased my loan a few years ago and I have had problems with them from day one. You settled one dispute for me and now I have another. Account number XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mo XXXX. I recently had my loan refinanced by XXXX XXXX so that I could have XXXX that insurance does n't pay for. Seterus should have mailed me a mortgage Interest Statement, Form XXXX but I have never received it. When I try to call they say the forms were mailed XXXX XXXX ( from XXXX, CT ). When I try to contact them via internet it says not a working account. I am having a XXXX XXXX XXXX and wo n't feel like taking care of my taxes for several weeks after and would like to take care of it before if possible. Can you help make them send my Interest Statement for 2016? Thank you so much.
Consumer complaint received 2023-07-15
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. (VA)

XXXX  under Account # XXXX This account is being illegally reported on my credit report. I requested method of verification on this account. 

How is this accurate if the term duration being reported inaccurate, date opened is inaccurate, high credit amount is inaccurate, credit limit is inaccurate, last reported date is inaccurate, & the date last active & last payment date is inaccurate.

Therefore, I am now formally requesting method of verification according to the Metro 2 Compliance standards. Any automated response, or E-Oscar verification is unacceptable. 

This listed item is entirely inaccurate and incomplete and must be deleted. 

Furthermore, if at any time during your investigation the above account is verified by XXXX. I requested method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 ( A ) ( 4 ) 15 U.S.C. 1681 Section 604 A Section 02 : It also states a consumer reporting agency can not furnish an account without written instructions. 15 USC 1681b ( A ) ( 2 ) 15 U.S.C. 1681c. ( A ) ( 5 ) Section : It states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

15 U.S.C. 1681i ( 5 ) ( A ) ( I ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Consumer complaint received 2017-08-25
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NJ LENDERS CORP (NJ)

From XXXX I lost {$3000.00} being mislead by NJLENDERS,XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX was told I qualified and paid inspections, appraisals, certificate of occupancy, adding fire extinguisher, smoke detectors, carbon monoxide detectors in house paid labor to install these things and then to find out i am denied because address written on tax returns. Why was n't this noticed before how would I have known? I find this all out after all of my hard work and time spent and money.
Consumer complaint received 2016-10-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Credit Plus Inc (IL)

There are multiple inquiries on my credit report from this company. 
I did not authorize any inquiries from this company. 
Apparently someone has access to my personal information, i did inform this company that my personal information had been compromised in the past, yet they still continue to report this erroneous information, and have allowed my personal information to be pulled multiple times.
Consumer complaint received 2023-07-15
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. (AR)

This is my first CFPB Complaint to inform you that the unverified items listed below still remain on my credit report in violation of Federal Law. The three Credit Bureuas failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to correct the account that result from alleged Identity Theft. This is the inaccurate account that I want you to assist me to correct : XXXX XXXX XXXX XXXX Balance : {$10000.00}.
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a recent victim of identity theft. I received my XXXX letter in the mail giving me access to a free credit report to check for any additional fraudulent information. I identified an address that was not mine. I do not live there, nor have I ever lived there. I disputed the information and XXXX got it removed successfully, no problems. Then, I went to Transunion and pulled my credit report and found the same information. I tried to start the dispute process online, but when I did the second address was not listed as something I could dispute. I called Transunion at that point to speak to a representative. The representative was extremely rude, insulted my intelligence, and was unable to help. I sent an email to their customer service, and was told to call the same number again. So, I called today and the representative, again, did not believe me that there was another address. He told me to call back when I was in front of a computer because he did not believe me that I was looking at the TRANSUNION website ( again, insulting my intelligence ). I followed his instructions, called back when I was home, with the credit report in front of me. I spoke with a representative who was unable to help and requested he send me to his supervisor. I spoke with his supervisor whose name was XXXX XXXX and he AGAIN insulted my intelligence. He asked me to read him the URL of the website I was on, refresh the web page, etc, to prove I was telling the truth. Every representative I have spoken to has been insensitive, dismissive, and rude. INCLUDING the representative who answered my email with not even one complete sentence and did not offer to help me AT ALL. When I asked to speak to XXXX 's supervisor, he said I would have to speak to the XXXX team who would not be open until tomorrow. I even offered to send him a screenshot of what I am seeing but he just told me to talk to the other team. I am beyond frustrated with Transunion and their rude, insensitive behavior. You would think these representatives would be trained to handle identity theft victims with a little more empathy.
Consumer complaint received 2017-02-08
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

I 'm not sure if this is worthy of your time, however it does seem criminal to me. 
I have been paying my mortgage on a house for over 20 years. I have n't minded that it has been sold many times during that time. It was brought to my attention that I had a late charge by my wifeon my last statement after a change of mortgage company 's. I called to ask about it since I have never been late on a payment. I was told that it was not a late charge but a escrow estimate charge that they had done when acquiring the mortgage. I ask why they passed this fee on to me and they said it was their policy and that 's just the way they do business. Here is my question. Why am I being charged from a company that 's profiting from a purchase they made, and how many others are being fleeced thinking they have a late fee. The company is Carrington Mortgage Services.
Consumer complaint received 2017-08-25
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: EQUIFAX, INC. (TX)

XXXX XXXX did a hard pull on my credit without my consent. I inquired about a loan at a branch, gave all my personal information and asked to have my file sent to an underwriter. But I never agreed to have my credit pulled. No disclosures were given to me and no consent was obtained verbally or in writing. I called XXXX XXXX after a hard credit inquiry appeared on my credit report to have it removed. They were going to speak with the branch banker who had only ever taken one application prior to mine and get back to me. I called three times, spoke to employees in various offices, and a woman promised to get back to me. I told her this was clearly a regulatory violation ( FCRA and Regulation V ), reporting a credit inquiry without having obtained consent or providing disclosures. Please ask XXXX XXXX to remove this incorrect information from my credit report.
Consumer complaint received 2016-04-29
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Reliable Credit Association, Inc. (OR)

XX/XX/2015 I wanted to purchase a vehicle but unfortunately my credit was n't sufficient for a " regular loan '' which landed me with a high interest rate finance company ( Reliabe Credit Association ). From XX/XX/2015 until present date my experience has been pure angony. My account is current and never missed a payment. However, when I call regards to my account one manager in particular ( XXXX ) has a derogatory disposition and use abusive language. When I ask to speak with his supervisor he said " I 'm in charge ''! At this point I 'm considering returning the vehicle just to avoid future problems.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (DE)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXX/XX/XXXX 15 u.s.c 1681 section 602 a the right to privacy act united states 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 instruction 15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency my make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ADP Inc. (NY)

this company is now showing me the process of there investigation there not answering my email requesting provisional credit I know someone withdrew my money from my account. this company only showing me where it was taken from and not proof of the investigation nor will they answer my emails. They only want me to reply to there letters and request but when I try to communicate with them they ignore all my request. Every time I ask them a question they ignore my request. ive called this morning they ignored my questions again
Consumer complaint received 2023-07-13
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: Experian Information Solutions Inc. (MO)

I've recently found several inaccurate accounts reporting falsely on my credit reporting and immediately notified Experian via mail with a dispute. The accounts included in my dispute where established without my prior knowledge and consent. I am very familiar with the laws of the Fair Credit Reporting Act and my legal rights as a consumer as it pertains to me. As of yesterday, I received an email from EXPERIAN refusing to investigate my dispute stating that the information sent to them did not appear to have directly from me and that they will not investigate unless I contact them informing them that the dispute came from me. I find this response as willful-negligence and and violation of my consumer rights due to Experian NOT BEING ABLE TO PROVIDE PROOF OR PROVE THE DISPUTE CAME DIRECTLY FROM ANYONE OTHER THAN MYSELF. I AM AWARE IT IS NOT ILLEGAL TO USE CREDIT REPAIR SERVICES IF OR SOMEONE AS LONG AS PERMISSION HAS BEEN GIVING TO DO SO. I WOULD LIKE FOR EXPERIAN TO PROCEED WITH THE RE-INVESTIGATION OF MY INITIAL DISPUTE ACCORDINGLY.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

XXXX XXXX XXXX Balance : {$3600.00}.
Consumer complaint received 2023-07-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/ I paid what I thought was a trusted source for a piece of furniture for {$300.00}. It ended up being a scam with the email being off by a letter. I requested the money back from the recipient and they declined the request. I immediately filed a fraud claim with Chase and they said they could not refund me since it was an authorized payment. Even though I was given false information.
Consumer complaint received 2023-07-13
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. (PA)

XXXX Equifax and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 



As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate.

15 USC 1681 s-2 Says XXXX Equifax and XXXX is a furnisher of information to a consumer reporting agency. 
XXXX Equifax and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand XXXX Equifax and XXXX to Cease and Desist the reporting of incorrect/ in accurate information immediately.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something XXXX  XXXX {$300.00}
Consumer complaint received 2023-07-13
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-07-15
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENOVA INTERNATIONAL, INC. (MD)

Theyve called me just about every day except for Sunday. Sometimes 2 or 3x a day. They called me on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. I owe them about {$300.00}, I chatted with someone yesterday about the repeated calls and they basically said that they can do that. I told them that its borderline harassment to call me every multiple times a day, for several days. And I feel like theyre covering their tracks by it being a robot saying they wan na discuss an important matter but its very obvious they want their money that I dont have right now.