davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-17
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I have tried several time to get Portfolio Recovery to stop communicating with me via ALL mediums. I filed a complaint with CFPB # XXXX, the company responded on XXXX XX/XX/XXXX stating : 'Portfolio Recovery Associates , LLC ( PRA ) investigated your complaint, verified the PRA account ending XXXX XXXX and the accuracy of the information we furnished to the consumer reporting agencies regarding the account and found we have honored the request to cease all communications regarding the PRA account unless otherwise permitted or required by applicable law. PRA purchased the XXXXXXXX XXXX  ( " XXXX '' ) XXXX credit card account ending in XXXX from XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX. ' As of XX/XX/XXXX Portfolio Recovery is still reporting this misleading information on my consumer report. They have not honored the request to cease all communication, the letters that they have received are dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In all of the letters mentioned I have requested cease communication with me on all mediums, included but not limited to all credit reporting agencies, telephone, mail, social media etc. 
Portfolio Recovery has continued to lie about what sent to me, and what laws they are following. Attached pleased find my most recent consumer reports showing that Portfolio Recovery is still communicating on my consumer report. Also please find all XXXX of the letters that were sent to Portfolio Recovery requesting them to cease communication.
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Good afternoon, My name is XXXX XXXX. I have been a capital one customer for over 5 years. I am deeply disheartened by how they illegally conduct business. 

I am a victim of Identity Theft and I submitted transactions that were not mine because I am FDIC insured against transactions that I did not commit. 

Capital One waits until the day before they're supposed to give me temporary credit to say my claim has been denied. 

I try to call them and ask them to do a thorough investigation and they do not. 

What they're doing is illegal! They purposely deny claims without properly conducting investigations and honestly, it's not fair or legal! 

Please reprimand them!
Consumer complaint received 2022-11-14
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. (NY)

XXXX XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX  Account # XXXX, XXXX XXXX Account # 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 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 2022-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

XXXX XXXX XXXX -ACCOUNT # : XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # : 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 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 2024-04-04
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Consumer Portfolio Services, Inc. (FL)

Consumer Portfolio Services continues to inaccurately report my account with them to XXXX and XXXX. This account was included in a bankruptcy filing, and I was granted a XXXX  XXXX Discharge on XX/XX/2024. I have spoken to XXXX in their trade line reporting department on many occasions trying to correct this inaccurate reporting, but I have failed each time. The creditor has been provided the court documents. The creditor acknowledged receipt of the court 's decision and documents. However, they have continued to report this account inaccurately on my credit report and it has caused me harm financially because I have been denied new credit based on their reporting. My account with them is currently being reported as having a past due balance of {$13000.00}.
Consumer complaint received 2023-03-03
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 FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX Balance : {$38000.00} ; XXXX XX/XX/2023.
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (WA)

I have previously filed a complaint with the CFPB, XXXX # XXXX. I am submitting a new complaint as Citi has deviated from the steps they alleged they would take in response to this complaint. 
My father passed away on XX/XX/2022. I informed Citi of his passing by telephone on XX/XX/2022. Citi alleged they would contact me for further steps, but never did. I contacted Citi again and they requested a fax including a death certificate, living trust documents, and a letter of intent. I faxed all of the above to Citi on XX/XX/2022 and confirmed receipt on my end. 
Citi responded to my previous complaint alleging that they would close the account. In Citis response to my previous complaint they alleged that they had received the required documentation. When Citi finally contacted me a month later, Citi alleged that I had not sent the required documentation even though I had sent the documentation they asked for twice. 
Citi asked for new documentation they had not previously asked for including Letters Testamentary or a Small Estate Affidavit. Citi claimed they would not even discuss the account with me until I sent this. This contradicts their response to me previous claim in which they alleged that they had received the required documentation. 
Since then, I have filed a Small Estate Affidavit with the XXXX XXXX XXXX XXXX. I have faxed a certified copy to Citi as requested. However, the account is still open. Citi is still refusing to close the account or discuss the account with me, despite a legal obligation in the state of Oregon certified by the XXXX XXXX XXXX Oregon.
Consumer complaint received 2022-11-17
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MA)

During my post foreclosure research I found that the foreclosing entity 's securitized XXXX trust never came into legal existence. Therefore the " trustee '' that foreclosed, XXXX XXXXXXXX XXXX, XXXX, which is not a bank but a corporation owned by the parent bank, could not have foreclosed. The foreclosure is void as a matter of law and yet the XXXX XXXX XXXX in Massachusetts allowed the non-existent trust and the attorneys representing purported third party buyers to wrongfully evict me from my home, as a XXXX single woman, who was denied reasonable accommodation in seeking more time to find suitable housing. The whole thing was a fraud ; I was set up with a fraudulent predatory mortgage from inception. 

There was no harmed party, which I plead to the XXXX XXXX XXXX. Obama bailed out the fraudulent actors three times over, with bail outs of title insurance claims to XXXX and direct bail outs to the large banks, followed by near zero interest loans from the XXXX while the banks financially XXXX homeowners with usurious interest rates on credit cards and various financial instruments at taxpayer expense. No harmed party means no claim, no purported third party claimant. These actors stole my home and a rental property.
Consumer complaint received 2023-03-31
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: Experian Information Solutions Inc. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (NY)

i attempted to open a checking account with wells fargo today for everyday checking and clear checking both were denied for no reason. ive banked with wells in XXXX of 2023 and at that time as well they closed my account for no reason and still havent received my {$300.00} i was entitled too after completing the requirements
Consumer complaint received 2024-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

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 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2022-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I disputed and got no where on the credit to improve so I requested the credit bureaus to next explain there verification process so I cant see how they came down with they verified my account Violations 1681n,1681g,1681i,1681s-2,611,616,617,623,602Asec2,604A
Consumer complaint received 2024-08-07
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. (GA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GEORGIA XXXX XX/XX/year> I am writing to bring to your attention a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681a ( 2 ) exclusions.

According to this provision, certain information is not to be included in consumer reports.

15 USC 1681a is a law that defines the term " consumer report '' and its exclusions. The term " consumer report '' does not include : Reports containing information solely as to transactions or experiences between the consumer and the person making the report. 

I have recently reviewed my credit report provided by your agency and have found that there are inaccuracies and violations of these exclusions. You are reporting XXXX late payments which are experiences between the consumer and the person making the report. 

I am formally requesting that you take immediate action to correct these violations and remove the information from my credit report. I also request that you provide me with a revised copy of my credit report once these corrections have been made. 

Failure to comply with this request may result in further legal action being taken against your agency for non-compliance with federal law. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-09-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (MI)

I switched to XXXX XXXX  for both my home and auto, and Rushmore Servicing, my current mortgage company, did not send Escrow payment and my insurance was almost cancelled. I had to spend hours on the phone with XXXX to have them fix my policy. I then reached out to Rushmore Servicing to have them make escrow payment to XXXX. They confirmed eveyrthing was taken care of and all set but I did not receive any proof or official confirmation of this via email after I requested it. 

XXXX has reached out to me once again stating they still have not received Escrow payment and my policy is once again in jeopardy of being cancelled. Yet, I am making full monthly payments to Rushmore Servicing and I am current with my mortgage payments. I am not confident that this will be resolved and these issues will continue.
Consumer complaint received 2022-11-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

My Home Depot Credit Card is seldom used. A charge appeared and I questioned the charge but after numerous telephone calls and even several in person visits to the store, I was unable to obtain any information. I did pay the {$50.00} charge only to find interest charges accumulating thereafter and daily. Furthermore they continue to accumulate The telephone numbers provided on the Home Depot website as well as that on the back of the card include the following : ( XXXX XXXX, XXXX XXXX, and XXXX ). but provide only recorded responses which relate to correct balance or help with orders, none of which apply to this issue. 

After extended wait times on each of the many attempted telephonic contacts, I eventually spoke with a person located in XXXX only to be transferred to a rewards program, then after yet another transfer, the call was terminated at the other end. Every call involved lengthy wait times and none any actual communication. 

Additionally, I attempted to contact them via email ... .also to no avail. They conveniently hide behind listed contacts that are not valid for they always lead back to account balance or order status that are provided with artificial intelligence programs. 

This has been going on for almost 90 days. Meanwhile, the credit card company, Citibank N.A. continues to apply additional interest which is compounded and has even marred my personal credit. 

Thank you for your help with this very frustrating issue.
Consumer complaint received 2022-11-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Blitt and Gaines, P.C. (MO)

I received notice that Blitt and Gaines , P.C . filed suit in the XXXX XXXX XXXX XXXX XXXX XXXX Court Division in Missouri. Case # XXXX. They were suing for {$1700.00} on XXXX XXXX XXXX XXXX XXXXXXXX for an alleged credit account debt on an account that was opened in XXXX in North Carolina. Blitt and Gaines stated in their filing that the last payment was made on XX/XX/XXXX. The suit was filed on XX/XX/XXXX. This would be approximately 3 years and 3 months since the last payment was made on this account. North Carolina Statute of Limitations on credit card debt is 3 years making this suit time barred. I advised the Blitt and Gaines and the Court of this fact in my response to the suit. Had case continued and then appeared for a court date but the court continued the case. I advised all parties that I was a XXXX XXXX  and due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was unable to attend the next court hearing and the court denied a continuance and a default judgment was entered. 
Regardless of the validity of this debt it was time barred and I believe Blitt and Gaines used the Missouri Court system to collect a debt that the Missouri Court had no jurisdiction over and actually succeeded in their attempt to manipulate the court.
Consumer complaint received 2022-11-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have called a few times to negotiate the debt that my mother accrued and cited my personal information for credit cards she did not qualify for. In 2021, she passed away and passed along her debt to me. This was a result of identity theft, not because it was me who is responsible for this debt.
Consumer complaint received 2022-11-26
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. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$16000.00}
Consumer complaint received 2017-07-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OK)

After many attempts to validate this debt with Portfolio Recovery Associates, I decided to pay off the debt with the agreement that they would DELETE the paid collection from all three reporting credit bureaus. The debt has been marked Paid, but not deleted as requested and discussed per my agreement to pay it in full ...