davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Scheer, Green & Burke L.P.A. (TN)

I keep receiving notices of debt collection for a XXXX XXXX XXXX XXXX XXXX, under Tennessee state law this is a no impact to XXXX XXXX for the alleged offense and the verbiage contained on the collection letter gives indication of legitimate debt collection practice, but is severely overstepping boundaries. I have already made notice of dispute to all prior parties and will not tolerate contact for erroneous and frankly pointless collection of an unenforceable debt
Consumer complaint received 2023-01-23
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

XXXX we refied with XXXX mortgage, XXXX {$280000.00} in XXXX XXXX XXXX XXXX bought the loan, cause XXXX XXXX belly up, then in XXXX XXXX sold to Carrington XXXX in that sale to Carrington from XXXX they raised to years from 25 to 36 years with no modification and did not inform Us of any changes in the number of years remaining for this loan to be paid off? We were told we didn't qualify for Loan Mod. We also didn't agree to change for 25 years to 36 years in our loan for no reason? who would? the loan is supposed to be paid in XXXX for some reason unknown to Us, banks have added XXXX to our loan? XXXX, and no explanation, crazy right. and every month add {$100.00} in late fees after XXXX, but I am on XXXX and get paid every third week of the month. LATE FEE NOW TOTAL {$3600.00}? IHAVE ASKED CARRINGTON TO WIAVED TO LATE FEES they refused and will continue even though I get a check every third week of the month. We need assistance in this matter. 
Issues 1. why did the years go from 25y to 36y? 
2. waive late fee, since I receive my SSDI on the third week of the month? 
what would be fair is return mortgage to 25y so it will be paid off in XXXX not XXXX as the original contract mortgage and remove all late fee and change late fee to after 30 days not 15. 
thank you for your assistance in this matter. 
XXXX XXXX & XXXX XXXX
Consumer complaint received 2024-02-18
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: ACIMA CREDIT, LLC (CA)

I am a victim of identity theft and have been disputing this account for over 3 years with zero progress to resolution. I have provided many identity theft reports and disputes and they keep reporting this debt as mine. I am filing this complaint as my last attempt to resolve this fraudulent account and after this I will be filing lawsuit.
Consumer complaint received 2019-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have persistently reached out to this credit bureau in response to an account being reported on my credit report as a closed account stating I have a balance owed I have also reached out to debtor as well this information is incorrect the debtor nor credit bureau can provide me any info to support this debt is my debt nor provide my signature or provide method of verification of how account was verified this debtor received payment from fed loan and is trying to illegally collect.
Consumer complaint received 2018-10-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America closed my account due to fraudulent activity. A check for XXXX was deposited into my account XX/XX/18. I was out of town in Massachusetts at our family cabin where we dont have service, so I was I unable to check my account religiously. Besides I Left my card at home and I was unable to use it anyways. I got back on the XXXX and I ordered something from XXXX. I did check my account then but I did not see any suspicious activity. On the XXXX I received an email stating that I was being sent a new card which was extremely strange. I did call the bank hoping to speak to someone about the matter, it was pretty late so I didnt think to cancel my card or anything. On the XXXX I went to check my account and it was closed. I called Bank of America and they were extremely passive about the situation and they never informed me that there was suspicious activity being detected or call me NOTHING! Im extremely frustrated because my concern is what this will do to my credit or will this be something that affects my future endeavors. I would like for this to go away and open my, even if I walk away and join a new bank I do not want this to be on my record.
Consumer complaint received 2023-11-03
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. (MD)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section 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.
Consumer complaint received 2023-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (SC)

I have had this account for over 10 years. And out of nowhere a hold was put onto my account and I have not been able to get money out or pay my bills. The reason I was told was because they didnt have my social security number on file. But when I opened the account I did so in a branch location with my social security card and government ID. So upon learning of the hold I went to a branch location and provided them with my social security card and ID but they still wont unfreeze my account. They wont even let me close my account so I can access my money. I am taking a hit on my XXXX XXXX because I cant pay my bills and I have not been giving any legit timeline on when I will be able to have my money. They cant even tell exactly why the hold is still there! So until they fix this I will be without money and have no ability to cash checks.
Consumer complaint received 2018-10-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AAS Debt Recovery, Inc. (PA)

AAS debt recovery, inc is reporting a balance of {$600.00} on my credit report. I have asked for a detailed description of what this is that they believe that I owed them or any company that they are trying to recover these funds. I HAVE NOT RECEIVED ANYTHING FROM AAS DEBT RECOVERY, INC IN A DETAILED DESCRIPTION WITH MY SIGNATURE. When speaking to a representative from AAS DEBT RECOVERY she asked for personal information that has nothing to do with what Im calling about and she hung up on me.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (MD)

I had opened a SoFi account in XXXX and decided i was gon na use it later with the promo they have going on ( when you refer someone to them, you get a bonus and the other person who signs up under your referral link gets one too i believe ). I would log in a couple times over the month but I didnt know to how to access my balance for a while until last week when i could really understand how the app works and realized that whenever i would refer someone and i get the money, the money would be taken out at a XXXX XXXX XXXX North Carolina XXXX I am not from north carolina at all, i'm stationed in maryland and dont know anyone from there. I didnt even get the chance to use my account or use my card before 13 fraudulent transactions were made on my account. I contacted SoFi and the guy on the phone apologized for what happened and REASSURED and PROMISED me that I was getting all my money back and that he was disputing all of the charges. A couple days later, I get a update on all the disputes he made and all my disputes were DENIED but I dont understand because the transactions were originated from North Carolina and thats not where I am so where were these transactions authorized and have no error?? 

XXXX : I filed a complaint with CFPB and SoFi made no effort to fully investigate this transaction, and I was not allowed a chance to provide my own evidence to prove I did not make this transaction. They claim that the debit card was activated and a pin was used but I have not gone home ( in XXXX XXXX MD ) to get my card or activate it so that doesnt make sense. I am currently XXXX XXXX XXXX XXXX XXXX and have been for the past 8 months so I havent gone home to collect all my mail and cards. I will attach the police report I have filed due to this dispute and I have a lawyer currently investigating this further.
Consumer complaint received 2018-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I HAVE SPENT OVER A YEAR AND HUNDREDS OF DOLLARS TRYING TO HAVE MY CREDIT REPORTS UPDATED WITH ACCURATE INFORMATION. ALSO TO HAVE OLD ACCOUNTS ANDOR DISPUTED DEBTS REMOVED. TRANSUNION HAS INCORRECT AND NOT UP TO DATE AVAILABLE ON MY CREDIT REPORT. THIS IS OUT OF HAND. I HAVE OPENED MY OWN BUSINESS AND HAVE SUFFERED THE RESULTS OF POOR CREDIT REPORTING BY THE THREE MAJOR CREDIT REPORTING AGENCIES.
Consumer complaint received 2018-10-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE (OH)

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX, XXXX XXXX : Huntington Bank Customer Checking XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, EMBEZZELEMENTS, CRIMINAL EXTORTION, MISREPRESENTATION, MURDER Parents Estates XXXX COUNTY XXXX OHIO, XXXX XXXX XXXX XXXX Father LIVING, Mother XXXX XXXX XXXX XXXX COUNTY Estate XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Mascot XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Bank, XXXX Bank {$300.00} US Treasury XXXX XXXX XXXX, XXXX XXXX, XXXX, Ohio Commute Huntington Overdraft Fees Food Items, Substitute Checks Ohio Court of Appeals Fifth District Court Filings. Experience XXXX XXXX XXXX, XXXX XXXX, XXXX, Ohio XXXX XXXX XXXX XXXX University
Consumer complaint received 2024-01-17
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. (PA)

Collection Agency Name : XXXX XXXX  Account Number : XXXX, Collection Agency Name : XXXX, Collection Agency Name : XXXX, Collection Agency Name : XXXX XXXX XXXX ( this is reporting twice on my credit report, from the collection agency as well as the original lender! Remove this item asap! ) Collection Agency Name : XXXX XXXX XXXX this is reporting twice on my credit report, from the collection agency as well as the original lender! Remove this item asap! Collection Agency Name : XXXX XXXX XXXX, In accordance with 15 USC 1692g, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, XXXX, and Equifax about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I have been making requests to further investigate the accounts referenced in the attached letter for the last 6 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA.

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Consumer complaint received 2023-05-10
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (FL)

I purchased a XXXX XXXX gift card at XXXX on XX/XX/XXXX and added {$310.00} to the card. That same day I tried using the gift card on a well-known website that verifies your identity by withdrawing a small amount from your account. However, before I could verify my identity, the card was automatically cancelled. Upon calling customer service, they told me that if they detect any fraudulent activity, they'll automatically cancel the card and issue me a replacement card which would arrive in 7-10 business days. 

When I didn't receive the card in 7-10 business days, I called them again on XX/XX/XXXX. They told me to wait an additional 2 weeks in case it got lost in the mail. After two weeks, I called again on XX/XX/XXXX and the call representative said I should have just called after 7-10 business days instead of waiting 2 weeks. Regardless, they said they would send a replacement card. This time I gave them an alternative address to see if that would help. I asked if I could get a tracking number, and they said that wasn't possible. I still didn't receive the card. 

I called again on XX/XX/XXXX. I asked if there was any other way to get this replacement card or get my money refunded to me and they said it wasn't possible and all they could do is keep issuing replacement cards and have me wait 7-10 business days. They then said they sent another replacement card. 

When I didn't get this card either, I called again on XX/XX/XXXX ( my most recent call ). They said they'd send the replacement card, but I still haven't gotten it. 

The customer service has generally been unhelpful and I'm not convinced they're sending these replacement cards since I have received nothing since XXXX.
Consumer complaint received 2020-07-28
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)

I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible. CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00} XXXX XXXX  XXXX {$75.00} XXXX XXXX  XXXX {$670.00} XXXX XXXX  XXXX {$1100.00} XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$11000.00}
Consumer complaint received 2018-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America closed my account for no reason and took over {$720.00} in rewards from my account. My card was closed a day before my statement closed basically forfeiting an additional month of spending. I have been a XXXX XXXX XXXX member for several years. Not only is it unacceptable to close my account but to also essentially steal {$720.00} and with no warning at any time. 

I spoke with a customer service specialist who agreed that this policy is unfair and unacceptable, but unfortunately there was nothing he could do expect give me the corporate address to make a complaint.
Consumer complaint received 2018-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (DC)

I have recently moved out of the US for good. As such I am closing most of my credit cards that I haven't used for a while and those that don't have any balances pending. 
As part of this I also closed an XXXX Amex Gold Card (XX/XX/XXXX18 ). I mentioned the reason for card closure to the agent as well. 

Unfortunately American Express claw-backed XXXX MR points that I had received as welcome bonus claiming that I was trying to game the system! I tried reinstating the card as well but Amex wont allow me to do that too.

I have been a loyal Amex customer for almost 2 years in the US and prior to that for 7 years in XXXX and XXXX. I have never tried anything that goes against the ToC. It is simply unfortunate that that I had to close one card within 6 months of opening! 

All I am asking is that the points to be reinstated as a goodwill measure.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2024-05-11
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OH)

Opened a Lowes store credit card. Have made every payment on time and maintained good standing with this company. Made a payment of {$2400.00} on XX/XX/XXXX. Went into the store today to purchase materials and the pro desk informs me Lowes closed my account. I have never had a late payment, nor a bad record with this company and they have closed my account for no reason. This will reflect horribly on my credit. Our request that they reopen the same account or completely delete this off of my credit report.