davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-03
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: ClearOne Advantage, LLC (MI)

Subject : Formal Complaint Against ClearOne Advantage for Credit Damage and Fraudulent Practices Dear CFPB, I am writing to file a formal complaint against ClearOne Advantage regarding their fraudulent practices that have resulted in severe damage to my credit score and financial well-being. As a consumer seeking debt relief services, I engaged ClearOne Advantage with the expectation that they would facilitate payments to my creditors to manage and resolve my debt responsibly.

Regrettably, ClearOne Advantage failed to honor their commitments, neglecting to disburse payments to my creditors as agreed upon. This failure has led to multiple missed payments, subsequently causing a significant negative impact on my credit report and financial standing. 
Subject : Formal Complaint Against ClearOne Advantage for Credit Damage and Fraudulent Practices Dear CFPB, I am writing to file a formal complaint against ClearOne Advantage regarding their fraudulent practices that have resulted in severe damage to my credit score and financial well-being. As a consumer seeking debt relief services, I engaged ClearOne Advantage with the expectation that they would facilitate payments to my creditors to manage and resolve my debt responsibly. 

Regrettably, ClearOne Advantage failed to honor their commitments, neglecting to disburse payments to my creditors as agreed upon. This failure has led to multiple missed payments, subsequently causing a significant negative impact on my credit report and financial standing. 

The consequences of ClearOne Advantage 's misconduct are severe and have resulted in : -Substantial harm to my credit score -Ongoing harassment from creditors due to missed payments -Accrued financial penalties and elevated interest rates Despite my efforts to resolve this matter directly with ClearOne Advantage, I have encountered considerable difficulty in obtaining satisfactory assistance or resolution. Their actions not only violated our agreement but have also caused immense stress and financial hardship. 

I respectfully request the Consumer Financial Protection Bureau to conduct a thorough investigation into ClearOne Advantage 's deceptive practices, hold them accountable for their actions, and ensure appropriate reparations for the damages incurred. Furthermore, I urge the CFPB to take preventive measures to safeguard other consumers from falling victim to similar fraudulent tactics by ClearOne Advantage.
Consumer complaint received 2024-05-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (IL)

My wallet was stolen on XX/XX/XXXX For {$560.00} I was not aware I was pick pocketed At the same time I was walking to the train stop, whoever took my wallet went to XXXX and charged a bunch of stuff on my account. 
I let Wells Fargo know that and they said that they denied my claim
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In Acordance with the Fair credit reporting ACT Account : 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 XXXXXXXX {$5500.00} Has Violanted my rights.

.15 USC 1681 SEC 602 A State I have the rights to privacy.

.15 USC 1681 SEC 604 A SEC 2 Its Also state a consumer reporting Agency can not furnish a Account without my written instructions.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed or omitted as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2023-11-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (VA)

XXXX XXXX XXXX XXXXXXXX ) was closed in late XXXX. XXXX XXXX I paid a small $ XXXX post cancellation bill. 
Since I have continued to receive billings for {$60.00} and have been sent to Southwest Credit Systems. 
XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Having contacted both companies none would send conformation that the bill is not owed which was a false outstanding bill submitted by XXXX XXXX 
Both said just ignore the correspondence. I Asked for a email form both and neither responded in a positive manner.
Consumer complaint received 2023-11-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TRUIST FINANCIAL CORPORATION (CA)

On XXXX, XX/XX/XXXX I accessed my loan account online and paid off the loan via ACH transfer in the amount of {$22000.00}. The following day I found that the lender had debited my account twice for a total of {$44000.00}. I called the lender to advise of what happened, and they assured me that a refund check would be sent out within three business days ; I was quoted XX/XX/XXXX as the latest possible day it would be sent. I attempted to reach the lender by phone on Friday XX/XX/XXXX to confirm that the refund check had been sent, but was not able to get through to them. On Monday XX/XX/XXXX, I called and spoke with XXXX  ( XXXX? ), who advised that XXXX XXXX in accounting had placed a note on my account questioning whether I wanted a check or a refund directly back into my account. I advised XXXX that given the choice, I'd prefer a refund directly into my account. Several hours later I called again to confirm that this process had started, and was told by another representative that they could only refund via check. Further, I was given a timeframe of 30 days. Due to the error being on XXXX 's end, I do not feel that this timeframe is appropriate. The money in the amount of {$22000.00} that was stolen from my bank account should have already been refunded. I'm logging this complaint to ask for assistance with this process, particularly to expedite it.
Consumer complaint received 2024-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Keeping up with timely payments on this account has been my consistent practice, ensuring they never slip into overdue status. I'm uncertain why there are reports of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, these should be rectified.
Consumer complaint received 2023-11-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: U.S. BANCORP (MN)

I have requested US Bank for a retroactive adaptation or deferment that is applicable to my contract, and since XXXX I have requested that evaluation. It was never my intention to have a delay, but an error with a check caused that. 
I believe that my request is justified because it is part of my contract, and also because I am trying to correct the problem in the shortest period of time and take care that the bank is not affected either.
Consumer complaint received 2024-04-08
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)

The following information i did not request for my credit to be pulled : 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 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 This credit was pulled twice by miss mistake ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I recently reviewed a copy of my credit report i was shocked to learn that i have been a victim of identity theft. i found numerous accounts on mycredit report that were not open by me. That has been hurting me as i am in the process of buying a home for my family please remove the fraudulent accounts from my credit report as soon as possible
Consumer complaint received 2023-11-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (CA)

I have send XXXX $ through western union on XX/XX/2023 which they promise to receive on XXXXXXXX XXXX XXXX but the money is still not received until today XX/XX/2023 for this I reported many times to the company, the company is just telling to wait from last XXXX days so today I contacted to western union XXXXXXXX XXXX XXXX XXXX. In hope that she will give me fair resolution for my problem but She is saying directly we don't have resolution for your case you just need to wait.
Consumer complaint received 2023-11-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have called at least 3 times to request the overpayment of 1 month and 2 days of the of the mortgage balance. I also had an impound accoount. I verbally requested the refund sent to me. All of these conversations have been recorded. The Refinance close XX/XX/XXXX and I received the Full Reconveyance on XX/XX/XXXX. The last conversation I had with XXXX ( XXXX ) around XX/XX/XXXX again requested the payment and asked if they can send the refund immediately. I also asked him if the company if complying with the FDIC rules. He said his company does not have to comply with those rules. I have already requests the refund 3 times and they are aware of the problem.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required 21-day notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.
Consumer complaint received 2018-05-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC (FL)

I sent a debt validation letter to Receivable Management Services on XX/XX/2018 asking this collection agency to validate the debt of {$210.00} presented on my credit report from the original creditor XXXX. The collection agency responded with a statement/invoice of the amount owed, my personal information such as policy number number, home address and policy effective dates.
Consumer complaint received 2024-01-03
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Federal Adjustment Bureau, Inc. (OH)

My rental company kept my security deposit and also tried get more money out of me because they accused me of XXXX  XXXX  in my XXXX  although I never did and still do not XXXX. My neighbors on both sides of me XXXX. My apartment had no other damage or anything else that would warrant the fee. They never gave me my deposit back because of this falsehood and are trying to say I owe them more money. They owe me money being they never returned my deposit. This rental agency are XXXX XXXX
Consumer complaint received 2023-11-13
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (NJ)

Upon receipt of my last complaint, the company made a XXXX of adjustments that make no sense on my account which reflected in an alert from my credit company that my account balance has now increased. At no point in time should this balance have increased as it was on XXXX XXXX withdrawals and XXXX XXXX payments. This has now impacted my credit and PHH continues to make it worse in their review and audit of the account and escrow.
Consumer complaint received 2023-05-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-01
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX - XX/XX/XXXX ( Original Creditor : XXXX ) XXXX {$280.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-05-15
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (FL)

On XX/XX/XXXX, I received letter in mail stating $ XXXX due for an account number I have proof of being in good standing. The account number referenced related to account number to loan that was consolidated and currently in good standing. I called the collection agency and Navient on XX/XX/XXXX, to correct this error but they are claiming that account number is for private loan which I do not recall ever receiving anything for. Not even a wage garnishment threat. XXXX company refered me back to Navient. When Navient told me the name of the collection company handling the file it was not the name of the collection company who sent me the letter that initiated my call " XXXX XXXX XXXX ''. The letter was received last week and Navient advised a different company is handling it as of XX/XX/XXXX, same date of my letter. When I asked if they are the same company XXXX another entity or an affiliate, the representative could not give me the information. You would think that would be in my file?! When asked why this loan was not showing on credit report as default she could not answer. When asked why is one part of my loan with Navient in good standing and the private loan with Navient is not, she stated those are handled by two different departments. When asked why wasnt important information being linked to my social security number for same company servicing both federal and allegedly " private '' loans she didn't know. I would think that is important, especially if I am making the attempt to bring my account current. When asked for website to view this information for private loans taken, she did not have one. With all these red flags, and knowing that XXXX was shut down for fraudulent activity, I am questioning the validity of this " private loan ''
Consumer complaint received 2023-03-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Revovery keep insisting I owe this debt, I never borrowed nothing from them and dont how they have all my info and they harassed me all day send me letters and call multiple call daily. I am tired I try to show them I dont owed them any money
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 XXXX Account Number : XXXX Account Name : XXXX BANK Account XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account XXXX : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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 2023-04-08
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: SANTANDER HOLDINGS USA, INC. (IL)

I have a few inquiries on my credit from XXXX, XXXX  XXXX SANTANDER, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TWICE.. I did not authorize these inquiries XX/XX/ 3 of them XXXX  XXXX, XXXX, Santander. Was told to contact the credit agency they say contact the inquirer its just been a back an forward thing.. no I have fraud alert on my account for a year..
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have send ftc report to Equifax and XXXX violation under the section 1681I I NEED ALL THIS ACCOUNT OF MY CREDIT 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  PLEASE DELETE THIS ACCOUNT!!