davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc. (NY)

Our escrow didnt get paid properly by this company and we tried paying it twice, our payment got reversed causing it to be a late fee. We tried paying our escrow completely with what we owed, but they refused to apply it to the escrow balance and increased our mortgage rate due to the money owed escrow despite us trying to pay it in full.
Consumer complaint received 2023-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I discovered I had been the victim of identity fraud. I obtained a copy of my credit reports and discovered XXXX of the fraudulent accounts was with Bank of America that was opened on XX/XX/2014. I immediately contacted Bank of America by phone and letter. I also requested a copy of the fraudulent application. Bank of America refused to send a copy of the fraudulent application. I also informed Bank of America that someone had fraudulently attempted to file a bankruptcy petition to cover up the fraud. Bank of America said the information used to open the account matched my information the account was mine and refused to delete the fraudulent account and said I had to pay the account balance.
Consumer complaint received 2022-12-20
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: EQUIFAX, INC. (NC)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-11-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I made a XXXX transfer from my Bank of America account. 
On XX/XX/XXXX I received and email saying the transfer was on hold because it was being investigated. They told me to call a number provider within 15 days. I called immediately. I was told my transfer was being investigated due to the description. I was asked if I was sending money to XXXX, which I let them know I was not. I stated the money was for fundraising for a funeral of a family friend who passed away in XXXX, Florida. The agent proceeded to tell me that the investigation would take XXXX to XXXX days and that when the funds changed from processing to deducted from my account it meant the investigation had been completed. 

That very night, XX/XX/XXXX, the funds changed from processing to deducted. Yet, the recipient has not received the funds and it has already been XXXX days. 

I called Bank of America today and they completely changed their timeline. They are saying they have no timeline for this investigation. 

I asked that they place the money back in my account and they refuse to. They have been holding on to my {$300.00} for over XXXX days now and I needed this money to go into my family friends bank account immediately so she could help pay for funeral services.
Consumer complaint received 2024-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (TX)

I had several items I disputed. I was given provisional credit then it was reversed. I asked for transaction id and all documents used in their decision and I was denied at branch and at corporate saying they could not give out. Online and bank statements give no identification markers- no way to find out where a charge came from
Consumer complaint received 2023-11-22
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. (NY)

I have put in several complaints against Equifax and XXXX. They refused to move false information off of my report. They failed to do their investigation. They lied and said that the information was verified by the company. The Company, XXXX XXXX state that they dont have any records of me having a lease or financial account with them. On my report for Equifax and XXXX. It states that I made payment to XXXX XXXX and that I have a balance of approximately {$11000.00}, which is false information. This account does not exist. Equifax and XXXX have violated my consumer rights. This will be my last complaint to the CFPB. If this matter is not handled after this, I will filing a pre lawsuit against Equifax and XXXX
Consumer complaint received 2023-11-22
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: National Credit Adjusters, LLC (TN)

I hope this letter finds you well. I am writing to address serious concerns regarding the inaccurate and incomplete information that has been reported to consumer reporting agencies in connection with an account under your management. My review of my credit reports from XXXX and XXXX reveals discrepancies that violate the Fair Credit Reporting Act ( FCRA ). 

The accounts in question are as follows : XXXX : Date Opened : XX/XX/2023 Past Due Balance : {$0.00} XXXX : Date Opened : XX/XX/2023 Past Due Balance : {$410.00} It is imperative to emphasize the importance of accurate reporting, particularly with regard to the Date Opened on these accounts. Under 15 U.S. Code 1681s2, furnishers of information to consumer reporting agencies have a responsibility to provide accurate and complete information. Knowingly reporting inaccurate dates is a violation of this statute, and such violations can lead to serious consequences. 

Additionally, I would like to draw your attention to 15 U.S. Code 1611, which establishes criminal liability for willful and knowing violations of the FCRA. It is crucial to understand the gravity of these violations, as they not only have legal ramifications but also impact the affected consumers ' creditworthiness and financial standing. 

The discrepancies in the reported Date Opened are significant, as they impact the accuracy of my credit report and may influence my creditworthiness. I request that you promptly investigate these discrepancies and take corrective action to rectify the inaccurate information reported to XXXX and XXXX.
Consumer complaint received 2023-11-22
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: Army and Air Force Exchange Service (FL)

There is an Inaccurate inconsistent payment history reporting for this account. Ive attached a screenshot of the payment history for your records. Ive sent in disputes by mail to this company, they have not responded to any of my letters. Per FCRA, this is a violation of reporting false unverified information. This account is paid and closed and should not be reporting as a collection account for the month of XX/XX/2019. How is it that the last payment date in this account was XX/XX/2019, yet it was in collections XX/XX/2019? So it went from being paid to in collections in 30 days? Please remove from my credit report. This account hasnt been verified and has inconsistencies.
Consumer complaint received 2023-11-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Thaxton Investment Corporation (TN)

I discovered I had been the victim of identity fraud. That someone had used my personal information to open several fraudulent accounts. They had stole my mail, opened bank accounts and attempted to file a fraudulent bankruptcy petition. I obtained a copy of my credit reports and discovered a fraudulent account had been opened with Covington Credit-XXXX. I contacted them by phone and letter to let them know the account was the result of identity fraud. I also requested a copy of the fraudulent application and they refused to provide a copy of the fraudulent application. Covington Credit said the information on the application matched my information so the account belonged to me and I had to pay the balance.
Consumer complaint received 2023-11-22
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. (SC)

On XX/XX/2023 I received this message from Experian Credit Reporting " Your XXXX Score has decreased XXXX points to XXXX. Even though your FICO Score went down, your XXXX XXXX did not so it should not impact your credit worthiness. '' They continue to drop my credit score for no apparent. Here is their reason for dropping my credit score from XXXX to XXXX. 
" Your credit score is updatedsometimes raised or loweredwhenever your credit report changes. Since your credit report is regularly updated with data from your lenders, such as your newly opened or closed accounts, its normal for your score to change. Reviewing your credit report regularly can help you understand these changes as they happen. ''
Consumer complaint received 2023-11-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frost-Arnett Company (CA)

I had XXXX XXXXXXXX on XX/XX/2022. 
My insurance company, XXXX XXXX XXXXXXXX XXXX, communicated to me that my " ammount allowed '' and XXXX XXXX responsibility '' on the EOB is XXXX and patient responsibility is XXXX. That is fair, I pay the top dollar amount for insurance every year. 
I received a XXXX XXXX message that says my XXXX was not medically necessary. This code was changed at some point and that is why XXXXXXXX XXXX paid over XXXX to XXXX XXXX XXXX and my doctor. The issue is how the remaining {$4000.00} should be paid to XXXX XXXX XXXX. My doctor tried to contact my insurance and received no return information. I have paperwork to support this from my doctor. My doctor said that if he could have talked with the insurance doctor, they would have cleared it up. But XXXX XXXX did not respond and I have been unfairly charged {$4000.00}.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ENCORE CAPITAL GROUP INC. (TX)

I was informed by a lender that I have unsecured debts of {$5200.00} reported by Midland Management, a collection agency. 

The credit card ending XXXX. 

I did not authorize anything. I don't have the card. 
I do not know if scammers are using the card. 
I have no idea what {$5200.00} is for.
Consumer complaint received 2023-11-22
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of america XXXX  there were transactions that I didn't make at all I wasn't around I was in XXXX  I was just released on XXXX and when I was finally able to log in the account I seen charges that I never seven made it was a lot of money so I been trying to file a dispute I sent all my paper work to prove them I wasn't the one using the card I even went to the bank to verify my identity twice and they still haven't let me file my dispute I spoke to XXXX first and they said for me to file the dispute since they have also sewn the paper work when I was released from XXXX bank of america is the only one making it a problem
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-22
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed 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
Consumer complaint received 2023-03-16
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. (NJ)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-22
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (MA)

I opened an ikea credit card attracted by the promised 5 % cash back on in-store purchases, and has beeing using the card for about 2 years. I was shocked to discover that I only have {$11.00} in rewards accumulated over the past XXXX years of using the XXXX credit card. I called comenity ( the bank who issued my ikea credit card ) today ( XX/XX/2023 ) and asked them where are my rewards. 

During my conversation with a representative from the customer service team, I was informed that reward certificates are issued with every billing statement and that these certificates expire XXXX months after issuance. As I have enrolled in paperless statements, I have been missing out on these reward certificates, as they can only be obtained by downloading billing statements online. 

My primary concern is that I was never notified about the issuance of these reward certificates on a monthly basis. Given the nature of the rewards program and the expiration period, it is disheartening to learn that I have missed out on a substantial amount totaling {$310.00} in rewards. I believe it is unfair for customers who have enrolled in paperless statements to be denied proper notification of rewards issuance. 

Furthermore, while I understand that the terms and conditions XXXX have been outlined in the agreement when I initially opened the account, I do not recall this information being adequately emphasized. It is crucial for customers to be clearly informed about such conditions, especially those that significantly impact their ability to enjoy the benefits of the rewards program. 

I kindly request a thorough investigation into this matter and a review of your notification processes for customers enrolled in paperless statements.
Consumer complaint received 2023-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (AR)

I was involved in cryptocurrency scam. I followed the ads placed on XXXX to invest into Cryptocurrency. I was direct to XXXX XXXX to communication in a group and with Professors and assistants. The require a deposit to start some continue to ask for more and other won't tell you when its best to not invest and you lose your money. After the money is lost they will tell you your money is too little and request you to add more funds. If you are successful, they will prevent you from withdrawing or won't allow you and will continue to ask to have more funds deposited. Some companies like XXXX and XXXX also know as XXXX have completed deleted the sites. This leave no access to your funds or customer service if they have not contacted you through XXXX XXXX. These companies offering to teach you about investing in cryptocurrency while allowing you to make a one time withdraw of {$100.00} or {$1000.00} to prove you can withdraw. Then on the second withdraw you won't be able to withdraw again. 
That being said, I purchased most of my investments with my debit and bank withdraws from my Chase account. After realizing that I would not receive what I was purchasing, I contacted Chase Bank. I reported the companies and the date involved. I answered all the questions asked to be told that I could not make a claim on my debit transaction and that a claim could only be made with my bank wire transfers. I received in the mail that no action will be taken and the claim is complete. Other companies or websites involved includes XXXX, XXXX, XXXX, XXXX, and XXXX. 
The transaction inquiry involved includes 1.Misc debit XXXX {$1500.00} no claim and no action taken per customer service agents 2.Wire transfer XXXX {$3900.00} claim sent and no action taken per mailed letter 3.Misc Debit XXXXXXXX {$5000.00} no claim and no action taken per customer service agents 4.Wire Transfer  XX/XX/23 {$900.00} claim sent and no action per mailed letter 5.Wire Transfer XXXX {$1100.00} claim sent and no action taken per mailed letter I have also made a statement and filed a police report and report to the FTC.
Consumer complaint received 2023-11-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NJ)

This is to inform you that there was no information has been received with our disputes. I am writing to express my concern regarding the lack of response to my previous disputes. I have submitted disputes to your bureau regarding inaccuracies on my credit report, and to date, I have not received any information or resolution. 
I previously submitted disputes on the following accounts : XXXX XXXX XXXX -PLEASE DELETE!!!! 
XXXX XXXX XXXXPLEASE DELETE!!!! 
Despite my previous attempts to address these concerns and seek correction, I have not received any communication from your bureau acknowledging receipt of my disputes or providing information on the status of the investigations. As a consumer, I am entitled to timely and accurate responses under the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2023-11-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc. (TX)

On XX/XX/2023, I received a notification that a new collections from Southwest Recovery Services was reported on my credit report. The collections is for a utility bill with XXXX XXXX XXXX for {$1100.00}. My credit report shows that the account was opened on XX/XX/2023 and it is associated with an address I never had before. This collections has caused my credit score to drop and th9i9s must be deleted from my credit report as soon as possible. I have disputed this with XXXX directly. I have filed a police report with my local police department, as well as with the FTC. A fraud alert was placed on my credit report in XX/XX/2023 due to another cause of identity fraud.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX