davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-10
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: Waypoint Resource Group, LLC (FL)

On XX/XX/2021, I filed a dispute with XXXX, XXXX, and XXXX  in regards to my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2020-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I filled a complaint about bank of america already complaint id XXXX the company answered you they need more time excuses they sent me to collection company with out researching the transaction they said they told you they need more time, here is the email and letter they sent me this is a clear violation to you and me. 
they are buying time to put on my credit report and to deceive your process this complaint needs to be research by you in detail. 
this is complaint number 2 XXXX XXXX ( XXXX ) Mr. XXXX, Thank you for contacting XXXXegulatory Complaints of Bank of America. As your Resolution Specialist I welcome the opportunity to address your concerns. 

I am your point of contact until this matter is resolved. Before I complete a review of your concerns, I need to confirm that you are the party who engaged the CFPB by speaking with you directly by telephone. Please contact me by XX/XX/2020, to confirm that information. My days and hours of operation are Monday through Friday XXXX XXXX to XXXX XXXX Central. 

Please note that we will be responding to your concerns via a secured email. Please follow instructions in that email to access our response. If you need additional assistance, please contact me at the number below and I or one of my colleagues will return your call within 48 hours.

This communication is for informational purposes only and is not an attempt to collect a debt. However, Bank of America, N.A. is required by law to inform you that this communication is from a debt collector. If you are currently in a bankruptcy proceeding or have previously obtained a discharge of this debt under bankruptcy law, this notice is for informational purposes only and is not an attempt to collect a debt, a demand for payment or an attempt to impose personal liability for a discharged debt.

I have proof from merchant they lied XXXX XXXX XXXX XXXX, Resolution Specialist Regulatory Complaints Department Phone : XXXX Extension XXXX C- XXXX
Consumer complaint received 2021-07-11
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. (CA)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2021-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (WV)

I have not had a XXXX account since XXXX and yet they reported me as having a debt that was turned in to collections in XXXX of XXXX for {$280.00}. I have not reached out to them because I don't have an account with them to verify who I am. The debt they are trying to collect has got to be identity theft or something because I have had a XXXX XXXX cell phone from XXXX for several years now. I can show records of my payments to XXXX XXXX  through my bank because it gets automatically taken out. The collection agency that is on my credit report is called XXXX XXXX XXXX.
Consumer complaint received 2021-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

On XX/XX/2021 I.C.SYSTEM inc. sent a collection notice my address attempting to collect a debt. Balance due {$2100.00} in the positive not negative items I think they are cutting me a check. They called my phone number multiple times mostly at an inconvenience to me. I sent the first letter dated XXXX Then they violated multiple laws and U.S. Codes which I put them on notice about. I sent them an affidavit of Truth, cease and Desist letter, Exhibits of the violations they infringed, and an invoice for the violations they broke under 15 usc 1692 which are all federally protected. This packet of letter was sent certified mail and received XX/XX/2021. They have 30 days from XXXX to reply to my demands by law, if they don't on the XXXX day I will file suit upon I.C. SYSTEM INC.
Consumer complaint received 2021-08-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF THE WEST (CO)

Filed a fraud claim with Bank of the West on XX/XX/2021 concerning a Business Checking Account, was advised at time that if the claim could not be resolved with ( 10 ) business days that a provisional credit would be issued, called back on 10th business day only to be told that businesses do not receive provisional credits only personal accounts do, inquired as to why this policy only recognizes personal accounts and was told that " Businesses have money and can wait ''
Consumer complaint received 2021-08-23
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. (TX)

I recently made a complaint to Equifax about not being able to access my " myEquifax '' account since XXXX of XXXX and not being able to see my score or credit report on " myEquifax '' or XXXX. I also included in the complaint that lenders who use equifax to determine eligibility are denying me credit because when they go to check my credit history, there is no file on record for me or they are unable to access it. I have a great credit score and have never been denied for anything until this error came into place around XX/XX/XXXX. Equifax 's response was that I would be sent my credit score and file in the mail. This was false as i never received my score, only the credit file itself, and not the resolution I asked for. While it is good to know they have my credit file, I was never sent my score as promised nor can I log into their website ( myEquifax ) as I should be able to since I've had an account since XX/XX/XXXX. I have spoken with over 10 reps who have all said IT will fix the account and get back to me. This has been an ongoing problem since XXXX of last year and no being able to go through lenders who use equifax and also not being able to access my score and file ONLINE is hindering me in more ways than you can imagine. I was informed I was apart of the data breach in XXXX so I'm not sure if that has anything to do with it but this is ridiculous and has been an extremely frustrating process. Almost a full year of begging for my score, my " myEquifax '' account back, and my file to be open and accessible to lenders. I spoke with a representative who told me he deleted the account and to make a new one, that did not work. I spoke with a rep who had me change emails for the account, that did not work. I submitted screenshots of both failures. 10 reps and 2 CFPBcomplaints later I still can't access my score online nor can I log into " Myequifax '' this error even affects my XXXX access to my records. I will submit a screenshot of that also. Its pretty insane that I receive promo emails to sign up for Equifax Complete Premier accounts and other promo from equifax, but cant take advantage. This needs to be taken more seriously because I've been dragged along long enough. I can't even see my score on XXXX, XXXX XXXX, and other companies who partner with equifax to show you your score.
Consumer complaint received 2020-09-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIRST FINANCIAL BANCORP (NJ)

I attempted to open an account with First Financial Bank on XX/XX/XXXX. The application and website made it seem as though I could open the account online. I was able to complete the application and was assigned an account number but when I tried to set up online banking I was told that I would need to come into a branch. Since there weren't any branches near me, I called customer service on XXXX and told them that I would no longer be needing the account. The customer service representative ( XXXX XXXX ) said that they needed to wait for the opening deposit {$50.00} to hit my account before they could close it and issue a check. I followed-up on XXXX, XXXX and XXXX, but never received my check. I called customer service again on XXXX and spoke with XXXX XXXX, who said she would take care of closing the account. I also followed-up with her several times : she first told me she mailed the check on XXXX then she told me she mailed it on XXXX and then on XX/XX/XXXX she told me that the check had to be processed in Ohio before being sent to me. I told her I was moving and asked if I could pick up the check at her offices. She just kept telling me to be patient. This bank is giving me the run around. Today, I called customer service again and they told me that I had been charged a {$25.00} account fee but no check had been issued. It has been a month and a half since I started this ordeal and I would like my opneing deposit back since I never received access to this account. They had no right to charge me a fee and they have no right to be holding onto my funds for this long. They advertised the account as online banking and never mentioned you would need to come into a branch until after you fund the account. It is a bait-and-switch operation. I am attaching my correspondence with the bank.
Consumer complaint received 2020-11-14
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Management Recovery Corp. (NMRC) (TX)

See my complaint XXXX with XXXX XXXX XXXX on XXXX. The response lists Receivable management services as buying the XXXX XXXX XXXX debt onXX/XX/XXXX. To date, I have not received verification of this debt from Receivable management services or any other company. I havent received written letters from Receivable management services too.
Consumer complaint received 2020-11-13
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (AR)

I am trying to apply for a home equity loan and was denied because my bank XXXX XXXX XXXX XXXX said that I had a second mortgage. 

I contacted MR. Cooper Aka nation star to see what was going on as i have never applied for a second mortgage. During the recession a few years back I applied for a home loan modification along with millions of other Americans and was never told by nation star that it would appear as a second Mortgage. The numbers are not adding up nor making since. There website says i owe XXXX and they extended my loan 20 more years. So how do I have an extension of 20 years plus I owe XXXX plus on top of that XXXX. At the time i was doing my loan modification the young lady never mentioned this. This is deception at its worst.
Consumer complaint received 2020-11-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC. (MD)

To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently which was very stressful for me. 
The inclusion of this inaccurate information is a mistake on either your, or the reporting creditor 's part and I am formally requesting an investigation into these items. 

XXXX XXXX XXXX : XXXX The account status is inaccurate, please delete. 


I expect a timely response from your Credit Bureau regarding my dispute. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2020-11-14
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC. (MO)

Select portfolio servicing collected {$250000.00} from the closing of my house XX/XX/2020. Then returned the money without a release. The title company sent it back. I dont know where the money is from the sale of my property.
Consumer complaint received 2020-11-14
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC. (MO)

Select portfolio has Not attempted to collect they SUBMITTED A PAYOFF STATEMENT and COLLECTED {$250000.00} I DID NOT OWE.the money was returned to the title company at least twice. However without a release of the lien associated with the payoff statement it was sent back to select portfolio. In reviewing the payment history. I received XX/XX/2020. There is NO BALANCE. THIS LOAN WAS ALREADY PAID. SELECT PORTFOLIO NEEDS TO RETURN MY PROCEEDS WITH INSTRUCTIONS to release the funds to me.
Consumer complaint received 2020-11-14
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. (MI)

HELLO MY IDENTITY WAS STOLEN, AND USED TO OPEN FRAUDULENT ACCOUNTS IN MY NAME, ALTHOUGH THE FRAUDULENT ACCOUNTS WERE REMOVED, THE FRAUDULENT INQUIRES STILL REMAIN, XXXX, XXXX/XXXX, US BUS ADMIN ODA, XXXX
Consumer complaint received 2020-09-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK (CA)

I have been a customer of TCF Bank for over two years. I have a home line of credit. I enrolled in online banking to accommodate payment. 

Over the course of two years the bank has changed my online banking user name and password, at different times without letting me know. I try and call and have spent more than 2 hours on the phone waiting. I have been able to perform a one time payment, but as of late, that window is gone from their website. Over the past 2 years, the bank continuously has gotten worse, and now I am completely locked out! 

I have been attempting to communicate with this bank for over 2 months to make a payment. Their only response was a generic return email with the online link and no other contact information other than the 1800 umber that places one on hold for days ... literally. Now The online system is not even taking my account number and no one is answering the phone, so I am only left with an automated email that sends me back to the website, and then we start all over again. 

As I write this, I am on my 4th hour waiting and I now, since we are in different time zones, their office is closed. I have a job, I have a XXXX  mother and kids in full shelter in place who need my attention - I can not stay on the phone for eternity. But I mean, who can stay on for days really? I am starting to doubt there is anyone really there. 

The main issue I have is that this will now affect my credit and I have learned from the past just how hard it is for a consumer to challenge that claim. This is completely unfair and I am at the end of my rope! I am tired of this professionalism and if I could, move my loan from this institution as it is gone from bad to extremely horrible.
Consumer complaint received 2020-09-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (VA)

A debt validation letter was sent to CAPITAL ACCOUNTS CERTIFIED MAIL ON XX/XX/XXXX, XXXX on XX/XX/2020 a complaint was submitted to CFPB with regard to a debt XXXX XXXX : XXXX. CAPITOL ACCOUNTS responded to this complaint on XX/XX/2020 with explanation that this account would be cancelled and that the the have requested the tradeline for this account with all bureaus be deleted.
Consumer complaint received 2020-11-13
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. (FL)

Dear Experian/XXXX/ XXXX  Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2020-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION ()

I have been living in the XXXX since XXXX after spending the previous 8 years living in the US. Someone has fraudulently used a Capital one card in my name and incurred many fraudulent charges this year in XXXX while I have not been in the country. I registered these charges as fraudulent, but I have since incurred interest charges through missed payments on the Fraud, that I obviously am not liable for. I have requested on XX/XX/XXXX to close the account and investigate the charges. it is now XX/XX/XXXX and the charges have not been removed and I am still incurring charges, effecting my credit rating in the USA. I have called multiple times and have been passed from department to department, making it very difficult to speak with the correct people. The last time I called I was directed to 'collections ' to try and have me pay the fraudulent balance. Capital One have not done anything to resolve this situation and I find myself calling them daily many months after the original request to close the account and clear the balance was made. I can verify that I have not been in the USA in XXXX and can not possibly be liable for any of the charges made in my name. I am finding their service both ineffective and hostile to resolving problems.
Consumer complaint received 2020-09-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX and transunion have not sent me validation of the account on my credit report XXXX XXXX auto finance. XXXX has deleted the account from my credit report because they did not receive validation of the account. i have not received any validation from XXXX  or transunion they just keep updating my account. i am requesting account validation that this account is mine and if they can not provide account validation per FCRA i am requesting this account be deleted from my credit reports.On XX/XX/2020 i sent out a letter requesting validation my response was the account was updated. The date opened is inconsistent on my Transunion and XXXX  Credit report. If all three bureaus receive the same information from the creditor there should be no inconstancies in my reports. XXXX  could not verify this account and removed it from my credit report. The Date of last activity is inconsistent on my Transunion and XXXX  Credit report. If all three bureaus receive the same information from the creditor there should be no inconstancies in my reports. XXXX  could not verify this account and removed it from my credit report. I have attached proof of these inaccuracies and the letter i sent out on XX/XX/2020 asking for account verification
Consumer complaint received 2020-11-13
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. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft and fraudulent actions. I have filed the attached FTC Report, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance to please remove and DELETE the accounts that were opened by fraud as per FCRA Section 605B ( a ). 
This fraud under my name and personal information are unacceptable. The listed accounts are unknown to me and they are inaccurate. My payments have been stellar and I dont remember missing a payment. Please block or remove these accounts from my credit report, pursuant to the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2020-11-14
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have been challenging a few accounts listed on my credit report with XXXX, TransUnion, and XXXX for the past few months with no avail. 

The first letter from early XX/XX/2020 was sent to all three boroughs asking that they verify the accounts that were listed by providing the legal documents associated with them. They did not provide any documentation verifying the information within the 30-day timeframe, and also marked the investigation as complete. I was advised by XXXX and TransUnion that the accounts will remain on the credit report because they had been verified. I sent a follow up letter requesting they explain how they conducted their investigation and it was not responded to. I did not hear back form XXXX at all. 

In addition to that, XXXX refuses to update my account to reflect my correct name, current address, employer, & phone number. I sent a letter early XX/XX/2020 and have also made a follow up call. The representative refused to advise how many addresses they have or where they obtained the information from. When advised that I had no issue with the other boroughs updating that information, the representative stated that it was because XXXX " is the best at what they do '' and " have the most accurate reporting ''. That call ended without my demands being met.