davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-18
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. (MN)

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within XXXX business days of receiving a complaint that includes the following information : XXXX XXXX XXXX - XXXX - My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX XXXX XXXX - XXXX - My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXXXXXX XXXX - XX/XX/year> This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap!
Consumer complaint received 2018-05-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MIDCOUNTRY FINANCIAL CORP (TX)

XXXX XXXX has bought multiple minuscule debts of mine to get me to pay more money. One of the debts was originally owned by XXXX XXXX. I was summoned to court over a month ago. I tried to work a payment plan out with the lawyer there but she couldnt get in touch with anyone at the office. I was told I would be notified by email or a phone call within the next 30 days and specifically told them to leave a voicemail if I did not answer. No call at all in over a month
Consumer complaint received 2023-04-14
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. (GA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report. 
2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2018-08-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (IA)

In XX/XX/XXXX I purchased an acreage. I had borrowed through XXXX XXXX XXXX as a first time home buyer. It was a FHA Loan. My taxes and insurance is all escrowed as well as the PMI ( private mortgage insurance ) In XXXX the PMI had come off my mortgage. Making my payment somewhere around XXXX a month mark. In XXXX I decided to refinance to take advantage of lower interest rate. The refinance was with Nationstar Mortgage. Who now is Mr Cooper. Since refinancing the PMI had went back on my mortgage. Since my refinance my payment has significantly climb to up over XXXX a month. Yet my mortgage balance does not not decrease. Last year at this time Nationstar mortgage told me in XX/XX/XXXX the PMI would come off. Mr. Cooper associates tell me that im not eligible now. Ive lived in this house I purchased for 8 years now. Never missed a payment, was never late. My mortgage balance doesnt seem to decrease How ever my payment continues to go up and up. I feel as if something is just not right. Ecspecially after being told by Nationstar before switching names ... that the PMI would fall off in XX/XX/XXXX.
Consumer complaint received 2016-05-04
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (PR)

Banana Republic and their XXXX Credit Card. 
I pay full statement balance of {$3700.00}. In their Banana Republic Online Account it says its no longer in process the payment and posted by XXXX/XXXX/16. I call the XXXX to ask why the amount I paid is still Not available to use. They give me a Fax Number XXXX XXXX. I send the evidence from the Bank Account to the fax number. I called Again. The service rep confirmed they had it. Than they said I still had to wait 6 day because of such large amount being paid. So I ask for Supervisor. Supervisor said same thing had to wait 6 days. I told them that because I paid good I was being penalized. That this did not make sense. I was upset. What if I needed to use in hospital the card right now? So even if I was buying something that same day in Banana Republic no good also. I even try to see if by saying I would cancel the card and still Nothing the supervisor was OK to close the account. I have paid less amount {$2000.00} before and in 2 days I can use card. Today the XXXX of XXXX I went Banana Online Account and still not available the funds to use. Not even part of it. I use the Customer Online Support and XXXX XXXX said all was all in good standing. The rep told me to call XXXX XXXX. Call support rep and told them 6 days passed. Explain I called friday. They told me had to wait now 48hrs. I ask what can I do to avoid this. She recomendad not paying completely but halve and than the other halve one week later. 

I complaint base on the fact that its misleading and they are not letting known to consumers that if they paid in full it will take longer to clear than if they do not pay off completely. Also the the Online Bank statement says its Cleared and should say that it is still in process. If the funds are not going to be available yet. And also that If I send the bank evidence by fax that they should honor the request to fix and update the system to reflect the available Funds. 

I have ALL the Calls Recorded as Evidence. Also screens shots of the online Bank Account. And evidence of Fax being received. 

Its not fair that this company Banana Republic manipulates this and is not clear to customers so that one can plan accordingly.
Consumer complaint received 2024-07-18
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: EQUIFAX, INC. (CA)

It's been bothering me how It was possible for credit inquiries that I don't recognize or applied to - to appear on my credit report which is a clear violation of my rights, I never gave these companies consent nor authorized them to access my credit report.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

Recently in XXXX of 2024 after receiving information as to my identity being compromised in a database breach by a company named XXXX, XXXX & XXXX which notice came to me in a letter from the Department Of Justice as to my personal information and my law enforcement background in very serious matter, and noticed a collection agency, The XXXX XXXX appearing on my credit report under collections. I immediately started a dispute on Equifax site with documents that this entity, alleged collection company does not belong to me and I have no knowledge of this. After filing this dispute, I also sent letters to this entity, The XXXX as to seek information as to the accuracy and transparency additional letter of cease and desist letters. These letters were sent certified mail and delivery confirmation on XX/XX/year>. The XXXX received these letters on XX/XX/year>. I have also filed a complaint with the Department of consumer affairs on XX/XX/year> complaint # XXXX against this alleged creditor The XXXX  and another agent of The Bureaus called XXXX XXXX XXXX who was also sending me letters in the mail, trying to collect on behalf of the XXXX  as well. This was happening while Ive sent a cease and desist letter to this company The XXXX  not to contact me but dismissed my request, violating my rights under the FCRA as to unlawful conduct, using an agent of there company to now harass, intimidate and continue this attack of collections while a official dispute is in progress. Using the consumer affairs on line complaint form was another way of showing proof that a discussion as to gathering evidence, and exchanging information between myself and this entity, The XXXX is resolving this issue to bring transparency and accountability fully visible. Meanwhile, credit reporting agencies have completed there. Investigation and have updated my credit report of removing This entity, The XXXX  from my credit reports. Now, Equifax suddenly reporting that this alleged collection company is mine after just recently, after a very full investigation of sending out letters for confirmation and gathering other relevant information, deleted this entity from my credit on XX/XX/year> with confirmation # XXXX. Now Equifax is unethically reporting the total opposite. I will use every government agency, including the FTC, the FCRA and my Local Attorney Generals Office to hold Equifax accountable and pending my request in this report to immediately remove this entity, The XXXX in my credit report under collections, if not immediately removed, I will seek legal counsel to formally file a civil complaint in XXXX Co XXXX XXXX, asking for court cost, legal fees and any financial damages the court deems appropriate. REMOVE This entity The XXXX from my credit report IMMEDIATELY!!
Consumer complaint received 2024-08-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MD)

Coinbase allowed all shares that i purchased to be transferred/stolen. Shares in other accounts were frozen and continued to lose value while they would not allow me access to move or sell them. Charged fees for services not authorized. Still will not unlock my account for me to allow me access. All of my money is completely gone. I filed a complaint and have been waiting patiently. They are now requesting duplicate information that has already been given as opposed to rectifying the theft and inability to use what I paid for stating they can not assist unless I repeat initial complaint.
Consumer complaint received 2024-08-25
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: The Lueder Law Firm, LLC (GA)

We received a statement from the Management company regarding our HOA dues the statement showed all HOA dues are paid in full however the collection company did not record the payment as showed by the management company and filled a claim in superior court of XXXX XXXX GA stating the bill was not paid. We did not get a notice that such claimed was filed until a sheriff left a notice on our door that a civil action has been filed against us and a judgement was rendered that we owe {$8700.00} for association dues, court cost and attorney fee. 
I have made several attempts to contact the collection company and its attorney however, the attorney on record XXXX XXXX XXXX was very nasty and would not answer any of my questions as to how they arrive at the amount they filed the claim for. XXXX XXXX stated that he has place a levy on my house and if i do not pay his fees he would have a sheriff sale on XX/XX/XXXX the sell my house for {$8700.00} Attach you will find copies of the Management statement showing the paid Association dues. 
The agency does not credit the payment made to the HOA dues outstanding instead they made a line item and for payment received then bill attorney fee and not showing that such payment was made for dues as stated by the management record.
Consumer complaint received 2018-05-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (MD)

Credence Resource Management , LLC.

I disputed the charge because it was fraud. A company employee charged a phone bill to my personal account ( not authorized ) then was fired after discovery. XXXX XXXX XXXX  sent the bill to collections and I continued to dispute the charge as fraud. Finally, after two years of no action I paid the amount, only to have Credence Resource Management refuse to delete the negative credit hit on my personal credit report. Credence Resource Management told me on the call they often delete negative credit hits for other consumers, just won't do it for me even though I actually paid the fraudulent amount.
Consumer complaint received 2018-05-19
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (SC)

XXXX XXXX contacted my spouse about a credit card debt in my name only. He is in no way affiliated with this debt by name, address, social security number, phone number nor is he listed as an authorized user on the account. They shared information about this debt including amount owed, days delinquent, and asked him to pay the debt. This happened on Friday XX/XX/2018 at around XXXX XXXX. He was contacted by phone number XXXX ext XXXX.
Consumer complaint received 2019-04-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery Called me after XXXX XXXX on my company phone. 
Stated verbal " do not call '' lasts 7 days. 

Told them to just subpoena me at court and they stated they will continue to call. 

I want to never be called by these sharks ever again.
Consumer complaint received 2024-07-18
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC (NE)

I switched to XXXX XXXX on XX/XX/XXXX - on this date I also contacted XXXX to let them know to cancel my service which is month to month and I had just prepaid for the month of XXXX. I did request to be refunded the prepaid amount for XXXX and the representative said I would receive my payment back. I again called XXXX on XX/XX/XXXX to confirm my service was cancelled and the representative said yes they show I had called and cancelled and my refund would be sent back to me. I still had not received my refund by the end of the month. I contacted my back, XXXX XXXX XXXX XXXX XXXX and filed a dispute to get my refund and they filed and dispute and got my refund. I never got another bill from XXXX until XX/XX/XXXX. I wrote XXXX a letter and then I got a bill in XX/XX/XXXX and then it was turned over to XXXX XXXX XXXX and I sent a dispute to them on XX/XX/XXXX with all of my documents. Then it was sent to Credit Control LLC Debt Collectors as of XX/XX/XXXX and I filed another dispute. I have spoke with XXXX there on XX/XX/XXXX and XX/XX/XXXX and she said I need to wait for XXXX to send me copies of the bills. I can not access anything on XXXX since it says there is no account for me. I can not have 2 companies for my cell phone and XXXX is changing debt collectors and if they want to go to court I am fine with this. It is effecting my credit when I had excellent credit and have always paid my bills on time for all of my bills.
Consumer complaint received 2015-06-17
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc. (PR)

Everything company never veryfy my signature compare, i explicated more and XXXX more this situation in me personal credit report but, company no look nothing, i cases account closed more XXXX years laters ,XXXX diferent accont example telefone and me person sent evidence includibg my termine divorces and nothing and help removed ever cased closed when me person dispute XXXX years dispute ,XXXX years removed error inquirys, pleses help, i sent XXXX divorce, letters, id, dirrection, ss id, id fse XXXX, letters tamps helpme, i narred true i notify ever company but nothing, a my favor in my person tallk the true i need bying home but my credit affect in discrimunedded based law. Never power bying home
Consumer complaint received 2023-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I lost my card in the bank ATM at the local branch they refuse to give it to me out of the ATM machine and refused to send me a replacement card kept charging me late fees etc when I lost the card XX/XX/2022 I tried calling and they were not verify my identity based on the fact that they would not accept my phone number they were forcing me to receive a text message with a code, they discriminated against my phone number because it was a XXXX XXXX account which is federal database I have proof of everything. They would not accept my phone number and in person I presented original birth certificates State IDs passport well over satisfying the request to verify my identity but based on your multi-factor text authorization
Consumer complaint received 2024-05-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX tax refund ( {$6800.00} ) was fraudulently deposited into Capital One National Assoc bank account ( CONA ). IRS Form 1040 was properly prepared and electronically filed in XXXX, XXXX. Someone, somewhere ( possibly within the IRS? ) accessed that transmission and illegally altered the Bank routing number and account number. Altered info : Routing # XXXX ; account # XXXX. This was NOT the info entered on the 1040 Form when filed. CONA was aware ( BFS Form 150.1 ) that name on deposit ( from IRS ), XXXX XXXX XXXX XXXX, DID NOT MATCH name on their account ( XXXX XXXX XXXX ). CONA was also aware of fraudulent activity on that account and advised they " were investigating. '' CONA accepted the deposit notwithstanding in violation of OCC regs. Per OCC, deposit should have been returned to IRS. OCC case # XXXX. CONA 's Consumer Protection and Fraud Dept ( XXXX. XXXX, XXXX, XXXX, XXXX, XXXX - XXXX XXXX ) directed XXXX to provide " Hold Harmless Letter '' as condition of returning the illegal deposit. Letter sent certified mail on XX/XX/XXXX and received by CONA on XX/XX/XXXX. CONA lied and claimed letter never received. Sailers have signed return receipt. CONA then refused to return illegally accepted funds and refused to communicate with Sailers. Sailers able to identify CONA account holder ( XXXX ) who admitted to the criminal acts, which conversation is recorded.
Consumer complaint received 2024-08-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC (TN)

XX/XX/XXXX I was notified by my credit monitoring company that Collection Management Company had reported a {$1400.00} debt to the credit bureaus. I have never received a bill for this and had no unpaid debt ever. With the assistance of my credit monitoring company, we tried to track the collection company who stated the debt was with XXXX XXXXXXXX XXXX. Multiple efforts starting from XX/XX/XXXX to XX/XX/XXXX were made to work with Collection Management Company and XXXX XXXX XXXX to receive proof of debt and redact from collections and the credit bureaus. However, I have never been able to directly contact XXXX XXXX XXXX and keep getting routed to XXXX. XXXX and Collection Management Company have been stating they will redact the debt from collections and provide proof of debt to try to resolve the issue. However, they have not followed through with either request after repeated efforts and requests. In addition, IF this is a legitimate bill for a doctor visit it falls under the TN No Surprise law. Under this law the amount of {$1400.00} is seriously over charged and is in violation of TN No Surprise law enacted on XX/XX/XXXX which does not permit a bill beyond an in network rate which would make this alleged charge to be no more than about {$200.00}. After lack of follow through with either of these agencies after repeated attempts over 7 months, I sent emails to the companies with no responses, I filed a complaint with XXXX  with no response from the company, and have filed disputes with the credit bureaus as well.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America continues to charge monthly service fees. The account that I have has no monthly service fee I complained previously and problem was fixed amd fedund was issued and the next day monthly fee was again debted from my bank of America account this has been on going for months and despite bank of America notifying the FEDERAL TRADE COMMISSION AND CFPB that this issue has been corrected it hasnt and this is unexpected.