davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-25
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (IA)

On XX/XX/2022 when I was checking my Barclays VISA credit card account, I found that two unauthorized users had been added to my account fraudulently and both had made two purchases each charged to the account fraudulently. I had not authorized any new users to the account nor did I know either of the added users. I notified Barclays that these users were fraudulent and Barclays removed the one user and charges that were made but not the second user. The fraudulent users name that wasnt removed is XXXX XXXX. I do not know a person by this name and I did not authorize the person added to my account. This person had made two purchases on XX/XX/2022, XXXX XXXX for {$43.00} and XXXX for {$370.00}. Shortly after this date, someone changed the users name, password and mailing address to XXXX XXXX XXXX, XXXX, OH XXXX. At this point I was locked out of my account and Barclays would not remove the charges from the account. I have tried unsuccessfully many times since then to have Barclays remove the fraudulent charges but they refuse, saying a card had been used for the purchases. I did not travel to XXXX, OH in XXXX or anytime this year and the credit card has been in my possession since I received it. I have also reported this action to the XXXX XXXX XXXX XXXX. I request that Barclays remove the charges from my account and clear the delinquent postings on the credit reporting agencies.
Consumer complaint received 2020-12-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (MA)

Hello, Im shocked, surprised, stressed out both physically and mentally to find this XXXX collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

See attached I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter.
Consumer complaint received 2016-05-17
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I went into a Bank of America branch to get pre-approved for a loan so that once I found a new home, the lending process would be quick and easy. The pre-approval was a success. I found a DREAM condo I wanted to purchase for my family and the offer was accepted on XXXX XXXX. After submitting some information to my lender, he decided to go on vacation and pass the file off to an associate. She requested information, which I provided 9 minutes later via email and she confirmed receipt. 4 days later I got an email from my rep on vacation demanding the same information and that I was holding up the process because I was unresponsive. I received my initial loan estimate in the mail and the numbers were WAY off. I wanted to put XXXX % down but they instead ran the numbers with XXXX % down and allocated the other XXXX % towards closing costs despite repeated conversations that I wanted to put XXXX % down such that mortgage insurance would eventually go away. I reached out to the associate and could not get a response. My agent reached out and was given the run-around. Then they failed to order an appraisal in a timely manner. Because no less than 10 days had passed since we were told the appraisal would be ordered, we blew the contingency release deadline angering the sellers. BofA had no answer as to why there was a delay. We had provided all documentation in a very expedient manner and continued to try and understand the hold up. The sellers ultimately submitted a cancellation and re-listed the property much to my dismay. We plead with the seller and they agreed to rescind the cancellation if we would abandon BofA and begin again with a new lender. As mentioned, the offer was accepted on XXXX XXXX. On XXXX XXXX I had to start the process from scratch. The new lender was FANTASTIC and moved quickly and efficient to try and save the transaction. Then, on XXXX XXXX the new lender remarked that I needed to contact BofA and authorize them to transfer the FHA case number over. According to the new lender, standard practices of transferring the case number is XXXX hours. BofA was resistant to transfer the number, told it would cause more delays and likely result in us losing the property. I simply replied that staying with BofA was not an option and to please transfer the number. 5 more days passed without a transfer and our new lender had to go directly to HUD and have them manually transfer the case. Since that day, BofA has been completely removed from the situation and things have moved along efficiently and smoothly. This is the first home I 've ever purchased and due to BofA 's lack of timeliness, inefficiency and lack of communication, we nearly lost the perfect unit. Thankfully a new lender stepped in to save the day. If its all the same, avoid BofA at all costs. Our offer was accepted on XXXX XXXX, and due to BofA 's mistakes and lagging, our closing date will now be on or around XXXX XXXX. Very frustrating.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (MD)

In accordance with the fair credit Reporting act Navy FCU, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit plan as late for any purpose.

Dates : XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-15
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. (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 Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : I C SYSTEM 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 2020-12-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Dear Cfpb, here is the issue. 
XXXX XXXX and XXXX XXXX ago, someone purchased a sofa set from XXXX with my credentials on an installment plan. Initially I didn't notice but right after my credit score bottomed in XXXX months I got intouch with XXXX. By that time they have declared the account delinquent and reported me to the credit bureaus. 

After bunch of calls and complains they finally deemed it as fraudulent and told me they would do everything in their powers to fix the issue and work with the credit bureaus to erase that item from my account. Well .. not really. 
What has happened is that their credit company XXXX gave my account to a collection service. All three of them filed against my credit record as delinquent and killed my credit score. 
In the past XXXX months I am working with XXXX, Transunion and XXXX to fixing the issue. 
XXXX  did an investigation and they admitted it is all fraudulent therefore they deleted the items off my record. XXXX and Transunion had different view. I do not understand why. 

XXXX said it's fraudulent, XXXX said they are working onto helping me straight it up, the collection service XXXX XXXX said it's all closed and their investigation showed a fraud, but not Transunion and XXXX. 
My credit score went from XXXX to XXXX and there is no fixing that they said. 

Can you help me out with all of it. 
XXXX XXXX - never answer a phone call XXXX XXXX collection service
Consumer complaint received 2017-07-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TX)

I am having problems with getting a collection account with Pro Collect off of my credit report. I called the company and asked how I could take care of the account and they would not work with me. I have no documentation of why the amount they are showing is owed. They claim they issued something to me back in  XXXX  of this year but I have nothing in writing. I am in the process of purchasing a home and I need this collection account off of my record. In an effort to rectify the problem I need additional assistance with getting this company to have better practices.
Consumer complaint received 2015-07-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (PA)

I made a mortgage payment on XXXX/XXXX/15. My mortgage was paid off completely on XXXX/XXXX/15. The payoff amount did not include the payment made by me on XXXX/XXXX/15, and so now I am owed approximately {$3900.00} from the mortgage servicer. It has been over 30 days since the payoff of my mortgage and the servicer has no information whatsoever on the refund they owe me.
Consumer complaint received 2024-02-29
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: Experian Information Solutions Inc. (NJ)

Regarding the reliability and correctness of your most recent inquiry into these accounts that are showing up on my credit report, I have concerns. I thought the item was not being reported legally, therefore last month I asked for an investigation. A few days ago, I received a letter informing me that you had stopped looking into my credit reports because you thought I had employed a third-party credit repair company. I think this is a flagrant violation of the FCRA as well as a stall tactic on your part to give you another 30 days to comply with my initial request.
Consumer complaint received 2023-06-01
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: Experian Information Solutions Inc. (OR)

This is fraudulent activity Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.
Consumer complaint received 2023-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

In accordance with the Fait Credit Reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 u.s.c 1681 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2021-05-28
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: Experian Information Solutions Inc. (MA)

Experian continue to reporting false and subterfuge later credit history with XXXX  account XXXX. False reporting a credit history is a violation of the FCRA by Experian. This later credit history is falsely reported by Experian which is a violation of Fair Credit Reporting Act. I have dispute this false late credit history with Experian and they refuse to update or delete this account. Experian is the company reporting the false and subterfuge late credit history so they are the company that is braking the law.
Consumer complaint received 2023-04-01
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd. (IL)

XX/XX/23 XXXX. Called my previous employer with an automated message. My former employer called them back and informed them they can not call a place of business. He debit collector gave her an attitude and stated " it isn't illegal and they are open 7 days a week and can anywhere since they are open ''. When she repeated they can not call the debt collector argued with her and then hung up on her. Now my former employer and possibly former coworkers are aware a debt collector is searching for me. My chance of rehire is now gone.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

12. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX Account Number : XXXX Delete this account. 
1. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX WINDS CREDIT UNIO Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2016-07-19
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America closed my account even though I notified them back in XXXX XXXX that I am a victim of id theft which I have proof of but they told me they did not need it. I have a few accounts on my credit reports that are not mine. I had this card for 15 years and I always try to have contact with them. In XXXX XXXX and late XXXX Bank of America 's credit analysis did not post my payment in a timely manner, it states they wanted funds availability even though I let customer service know that I was making XXXX payments on my account. The credit analysis department claimed the amount was suspicious and they had to call my bank even though I did not bounce a check with them at that point. This also happened in XXXX also claiming funds availability even though I did not bounce a check with them. I did complain about it to Bank of America but they claimed that I was lying. I called customer service and they did not know why my payment was credited properly, they told me to contact the credit analysis department which I did. I just received a letter yesterday dated XXXX/XXXX/XXXX they are closing the account. I am a victim of identity theft which is why my credit score is XXXX, my score used to be XXXX. I have told Bank of America about this twice, I need my credit reopened because it will affect my score. Bank of America was notified by me and I offered to send proof but refused. It would be different if I never talked to them about it. My credit report is not an accurate way to determine whether or not I pay my bills at this point due to identity theft which can take up to 2 years to solve.I want all negative marks removed because they were notified of the id theft but ignored it.
Consumer complaint received 2015-06-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

A few weeks prior to Bank of America mortgage being paid off, I noticed an amount in question of {$1000.00}. After many phone communications with BOA customer service reps, they were unable to identify any reasons for the amount being charged to my account. Additionally, the HELOC Department has no evidence of this documentation. On XX/XX/XXXX, BOA sent a letter stating that the fees were accessed as a result of the " HELOC trying to foreclose '' on my property. Since I have never been XXXX days late on any payment, I requested a loan history that does not reflect any payment over XXXX days. Therefore, I again requested that the money be refunded to me or documents reflecting the HELOC foreclosure be forwarded to me. After several verbal communications, followed by a certified letter to Bank of America on XX/XX/XXXX, the money has not been refunded in the amount of {$1000.00} plus interest.
Consumer complaint received 2023-06-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

Company has failed to reply within a 30-day timeframe, and further failed to REMOVE all inaccurate negative reporting, as I have never opened this account, and I believe that my family member has been using my identity, which is why I have a security freeze on my accounts.