davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I do not have a secured loan with XXXX I have XXXX dues, my dues are paid yearly not monthly. 
and in a different amount recorded.Therefore, your listing my dues as a secured loan makes it inaccurate and must be corrected or removed.
Consumer complaint received 2018-12-23
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. (GA)

XXXX XXXX XXXX {$76.00}, {$350.00}, {$770.00}, {$330.00} I challenge the accuracy, compliance and reportability of this listing. 
There are no contracts, no valid claim ... accounts were settled with original creditors ... grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. You can not collect a debt twicethis is unlawful Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2024-01-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Onity Group Inc. (VA)

I requested a payoff via email. Although the company responded, they did not provide a payoff quote and they also asked me to provide a payoff good through date. My objection is the the fee they are proposing to charge which is noted as up to {$30.00} for a payoff quote in the pasted statement below. I don't feel that I should pay a payoff quote fee to a mortgage company that is in the business of servicing my mortgage. Please forward this to your leadership and make them aware of this onerous fee. Congress should not allow mortgage companies to charge consumers such high fees to provide something that likely takes 1 push of a button. 



________________ From NEWREZ Mortgage _____________________________ Furthermore, if you wish to obtain the payoff statement, we can generate it for you if you provide the following information : 1. Payoff good through date 2. Whether you want the payoff statement mailed or faxed to you. 

Note : The good through date must be within the next 30 days.

Alternatively, you may order it by any of the following options : Option 1. You may call the customer service number listed below and place a request for a payoff quote via IVR.

Option 2. You may email us to request a payoff quote at XXXX.

Option 3. You may also fax a written payoff quote request through our fax XXXX XXXX XXXX XXXX.

Upon receipt of your request, a payoff statement will be faxed or mailed to you within 4 business days depending on your account product and status. You may be assessed a {$30.00} Payoff Quote Fee/ Demand Fee ( as permitted by state laws ). 

For your protection, we have removed any personally identifiable information from your original inquiry. If you have any further questions, please contact us through our website at XXXX  or call Customer Care at ( XXXX ) XXXX during the following hours : Monday to Friday : XXXX XXXX XXXX XXXX XXXX ET Saturday : XXXX XXXX XXXX XXXX XXXX ET NewRez XXXX XXXX Mortgage Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-03-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A. (FL)

During a Natural Disaster in Florida, They extended the deferral period of payment in which I requested which affected the whole XXXX  region of the USA. Legally they were not supposed to reflect negative payment history or close my accounts. After, Nationally XXXX XXXX  hit and I informed them of me being XXXX from work due to requiring both XXXX XXXX XXXX XXXX XXXX I still kept payment plan. However, I had a change in family dynamics due to my son which is in my care I had to take care of which is XXXX. I have communicated with Citi bank with no resolution and tried to see if I qualify for a charge-off on this account. Due to me being retired on a fixed income and having to take care of my XXXX son. The original creditor did not reply to my mail notices. They did not communicate that the debt would be transferred to a debt collector. Also, during both natural disasters they did not follow the law and reported me delinquent, and the CARE ACT was in affect during this timeframe. They never verified or update contact information or attempt to assist and XXXX  XXXX  individual by taking advantage of me and threaten me with a lawsuit although I was in communication with them. Now, they took legal action with a third party without contacting legally as a creditor and violated my rights as an XXXX  consumer.
Consumer complaint received 2023-10-30
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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
Consumer complaint received 2023-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (TX)

I applied for the XXXX credit card administered by Barclay 's out of XXXX, Delaware on XX/XX/XXXX and was approved after a hard hit on my credit report with a score of XXXX. I have used my card several times over the past 6 years and have always made on time payments, never had a late payment. I used the lock feature on their mobile app to prevent anyone from stealing my card number and making charges. 
On XX/XX/XXXX, I received notification from XXXX that my acceptance with Barclay 's had been closed dropping my credit score by XXXX points ( due to Barclay 's performing an unauthorized credit check for an unexplained reason ). I have never had a single late payment on ANY of my credit cards. Why Barclay 's chose to check my credit without obtaining my authorization is beyond me. I called them on XX/XX/XXXX to ask. I was not provided an answer and was told that I had been mauled a letter on XX/XX/XXXX, the same day that the account was closed. I received the letter just today and it mentions that the credit decision was based on inactivity in the past 3 months ( no information about this in any correspondence to me ever ) and high usage on one or more accounts on my credit report. It goes on to say that the consumer agency that provided information that influenced their decision was XXXX ( which also included my current score of XXXX which isn't much different than the score of XXXX XXXX years ago used in approving my account ). Then the letter turns around and makes a contradiction in that the " reporting agency played no part in their decision and is unable to supply specific reasons why Barclay 's has taken this action ''.

The reason that I believe Barclay 's has made this bad faith decision is because part of my income derives from a public assistance program, namely SSDI. The company has also recently asked my marital status which I found odd.

Upon learning of this unfortunate and discriminatory closure of my account, I immediately called Barclay 's and asked for a clarification on their decision to which I was told that I would receive a letter in the mail. I offered to make an immediate purchase to have the account reopened ( since I wasn't informed that a purchase within 3 months was a requirement ) and was told no and that they would not reopen my account but that I could apply for a new account ( which of course would have a much lower credit score because of a direct result of their decision to close my account ).

I have been discriminated against to which the Federal Equal Credit Opportunity Act specifically prohibits! 
I deserve to have my account reopened and given the opportunity to make a purchase ( XXXX ).
Consumer complaint received 2023-12-05
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. (TX)

In accordance with the Fair Credit Reporting Act this creditor has violated my right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instruction under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan go late for any purpose.
Consumer complaint received 2024-03-13
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (CA)

Dell went from XXXX to Comenity. Unfortunately, during this transition, my account number was changed and I was not notified causing delays in processing payments, they issued a fraud block on my account preventing me from being able to log in and make payments, refused to send statements to my correct address, and when I mailed payment they claimed they never received. Despite being told in XXXX that I would not have a negative reporting due to issues that were caused by the transition, Comenity Bank has reported negative information on my report. I reached out to Comenity and they stated the information would stay as is.
Consumer complaint received 2023-08-30
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. (IL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-12-23
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: Profit Services Group (GA)

PROFIT SERVICES GROUP {$76.00}, {$350.00}, {$770.00}, {$330.00} I challenge the accuracy, compliance and reportability of this listing.

There are no contracts, no valid claim ... accounts were settled with original creditors ... grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. You can not collect a debt twicethis is unlawful Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2018-12-23
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. (GA)

XXXX XXXX - XXXX  {$3000.00} I challenge the accuracy, compliance and reportability of this listing. 
There are no contracts, no valid claim ... account was settled ... 
... grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. You can not collect a debt twicethis is unlawful Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2024-03-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: OPTUM BANK, INC. (MD)

This is a complaint about yet another case where Optum Bank effectively disregarded a CFPB complaint by providing a non-answer to clearly worded, legitimate question involving an issue that is impacting thousands of their customers. Instead of fixing an obvious programming error, the Optum Bank representative made false and misleading claims in their response, then closed the complaint. ( See complaint # XXXX. ) In response to an email from the Optum Bank rep, the complainant asked for the representative to call him to discuss the complaint to clarify the issue. No call was received. The complainant asked for the phone number of the representative but she did not respond to the request for a phone number at all.
Consumer complaint received 2024-03-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

today XX/XX/year> i logged into my credit file to see PORTFOLIO RECOV ASSOC is reporting a debt of {$1500.00} to credit reporting bureaus, i have never done business, signed any contract or documents with PORTFOLIO RECOV ASSOC or anyone they are collecting for, I do not wish to contract or do business with PORTFOLIO RECOV ASSOC.
Consumer complaint received 2024-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (CA)

I have had a mortgage with this Mr.Cooper mortgage company. In the many years that I have had a mortgage company, I have always had home insurance as part of Mr. Cooper 's guidelines. As a former insurance agent, I would never, ever go WITHOUT HOMEOWNERS INSURANCE, in fact, I always pay my mortgage insurance for 1 year. If anyone in California knows homeowners insurance insurance, it's been going up and up making it so unaffordable, some companies are not insuring homes in California. I had homeowners insurance with a large company, XXXX paying {$1200.00} a year, and auto insurance with XXXX. When I found out XXXX did home and auto insurance I thought get a home and auto discount with XXXX and save some money. 
So, I started my XXXX homeowners policy and canceled my homeowner 's policy with XXXX. I was saving {$400.00} with XXXX, a home and auto discount. Great but my mortgage company Mr. Cooper said, XXXX is a " B '' rated homeowners insurance company. When I purchased my homeowner 's policy with XXXX, I did not know they were rated with a " B '' rating. So, I received a great homeowners policy with XXXX. I lost my home and auto discount and received a better company with XXXX. So, I've always had homeowners insurance, Mr. Cooper says due to it being a " B '' rated company, you were NOT INSURED! So, I gave them all the proof they needed, showed them I've always had insurance, never went without insurance, I've never missed a payment, Mr.Cooper FORCE PLACED homeowners insurance for 1 month, and after I had shown proof of insurance, they still made me pay an extra $ XXXX.I was never advised that I could not get a " B '' rated homeowners policy. To this day, thank God I have never had a loss.
Consumer complaint received 2024-03-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: REGIONS FINANCIAL CORPORATION (TN)

I opened a regions now card account in XX/XX/2024 prior to me opening this prepaid account I had a closed account with a cashier 's check that went missing on XXXX in the amount of XXXX. I have come to the knowledge that the post office is where it was stolen from. The regions bank branch in question is directly across the street. 
Regions Bank XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX weeks after opening the prepaid account I received a check for reimbursement from my car tags from the dealer I purchased my new car at. The check was for XXXX I went into the branch and attempted to cash this check. The teller told me I could not cash it on that account.I explained to her even the regions now app has check deposit availability. She confirmed to tell me I could not cash a check neither with them or thru the third party check cashing they do. I was so baffled. I had to go to a separate bank altogether and cash this check and wait till the weekend was over to receive the money. 
I then asked the women about an illegal account opened in my name there because of this missing check. She looked shocked and went off from the clerk area and came back after a few minutes and told me she didn't know. Was not willing to look into the illegally opened account.
Consumer complaint received 2023-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Unauthorized Inquires 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
Consumer complaint received 2024-03-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

On XXXX XX/XX/2024 I requested two separate transfers, one for {$940.00} ( Attachment " Paypal1.pdf '' ) and one for {$1200.00} ( Attachment " Paypal2.pdf '' ) from my Paypal account to my XXXX XXXX  account, and the transfers were completed, according to the above attachments, on XXXX XX/XX/2024, further confirmed by my online bank history ( Attachment " XXXX '' ). 

As you will see on the attached online bank history ( Attachment " Paypal3.pdf '' ), on XXXX XX/XX/2024 the above-referenced transfers were " reversed '' by Paypal and those funds are now missing from my account. I called XXXX XXXX  and the representative I spoke with indicated that the transfer was " reversed '' or " cancelled '' by the merchant, Paypal. 

I have unsuccessfully attempted numerous times to reach a live person to speak with at Paypal and I have only been able to " chat '' with different representatives who tell me there is no record of the transaction being reversed or cancelled and that Paypal does not have my funds. The last statement I have from Paypal, 5 days after their reversal or cancelation, indicates, " XXXX XXXX. Your conversation is now escalated to XXXX Desk and my name is XXXX. Upon checking your account, I can see that we have requested that the funds be returned. This does not guarantee that the funds will be returned by the bank. If the request is successful ( if funds removed from your bank account ), the transaction will be reversed, and the funds will be made available in your PayPal balance in XXXX  days at the earliest. I really appreciate your patience and understanding in this matter. ''
Consumer complaint received 2024-03-13
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: LEXISNEXIS (OH)

I contacted LEXISNEXIS by phone to inform them of errors in my credit report concerning the reporting of a bankruptcy that has been inaccurately documented. Upon my own investigation, it has been brought to my attention that the bankruptcy details on my credit report are incorrect, as bankruptcy courts do not typically supply this information to credit bureaus. Despite my previous request for accurate validation of all details, your company responded by asserting that all information had been verified. In light of this, I am requesting disclosure of the contact information used to confirm this inaccurate bankruptcy reporting. I know that they did not verify this inaccurate information because the US bankruptcy Court Clerk do not respond, report or contact any credit agencies to dislose information in regrads to bankruptcy