davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-20
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. (CO)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The 3 Bureaus Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-02-16
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/2020 my unemployment account through Bank of America was compromised for {$260.00}. I called Bank of America and filed a complaint and they closed the account and sent out a new debit card. I received 1 payment first week of XXXX, and then Bank of America froze my account. I was told to fax ID to Bank of America fraud dept. which I did. On XX/XX/2020, I sent copy of my ID and Social Security card, front and back, to Nevada unemployment. On XX/XX/2020 I received a call from Nevada unemployment fraud dept. to verify my identity and was told 5 to 7 days my account should be open. On XX/XX/XXXX, I was sent the ID me online verification, completed. Called both organization rest of the month to be redirected to each other. On XX/XX/XXXX, I called NV unemployment and was told they had re-submit my info to have my account reopened to Bank of America and it would take 2 more weeks. Talked with both today to be told the same thing, NV unemployment says they sent the request, Bank of America says they have not received anything from unemployment. I have been in this loop for too long and account still frozen. Please help.
Consumer complaint received 2021-02-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-02-16
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LAND HOME FINANCIAL SERVICES (MN)

XX/XX/XXXX I called for pay off amount. XX/XX/XXXX they said it was mailed out. XX/XX/XXXX I called never received in the mail. So they said they would email it. XX/XX/XXXX I called said never got the email. They said oh we can't email unless you have attorney. I don't so they said we will mail it to you again. XX/XX/XXXX called said it has not came in mail. They said well we will fax to you. Never came. XX/XX/XXXX I called they said I don't know why it has not came but you will need to contact our attorney. I asked why would they tell me all this bs. I asked to speak to a supervisor they refused to send me to one.
Consumer complaint received 2021-02-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (TX)

According to the State Licensing Requirements the debt collectors that's collecting on my debt for Caine & Weiner, using address XXXX XXXX XXXX, XXXX XXXX, CA XXXX, isn't registered nor have they paid their bond with the state of Arkansas, for which this where the debt collection started, nor are they up to date/ licensed with the state of Texas , for which this is my current residency, to collect on the debts. By law, they're violating state requirements, making them non compliance.
Consumer complaint received 2021-02-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I receive one call each day from Portfolio Recovery Associates. LLC. If I answer the telephone they use questioning techniques to gather information, and will not provide information about my supposed debt without answering all their questions, including my employer and spouse.

Over a year ago, I told them not to call me. They said I would have to send a letter. I have sent 3 letters since XX/XX/2020. I sent them to the address they gave me : Portfolio Recovery Associates, LLC, XXXX XXXX XXXX, XXXX, VA XXXX The calls have never stopped. Recently one of their debt collectors laughed when I told him that, and said, " Maybe you should just pay your debts.

What can I do to stop these people from harassing me?
Consumer complaint received 2021-02-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

My account was charged {$960.00} to my Paypal card. I filed multiple claims and appeals and have not gotten this resolved. I was told to file a police report in which I did. I was then told no further information was provided and I would not be refunded. This is a large charge in the middle of a pandemic I did not purchase. PayPal refused to help me.
Consumer complaint received 2021-02-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (NC)

On XX/XX/XXXX I received an alert that a collection had been added to my credit report by a company called Credit Management in the amount of {$190.00}. I submitted a Debt Validation immediately via Certified Mail, Return Receipt. The letter was held for 20 days before Credit Management signed and returned the green card on XX/XX/XXXX. It has now been over 70 days since I requested a debt validation from Credit Management and they have still failed to respond but have updated the collection on my credit report as of XX/XX/XXXX.
Consumer complaint received 2021-02-17
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: Total Card, Inc. (AR)

TCI-TOTAL CARD, INC. TCI SOLUTIONS AND THE XXXX  XXXX  XXXX  HAVE SEVERAL CREDIT CARD BRANDS, NOTRIOUS FOR DECEPTIVE ADVERSTISEMENT AND MARKETING DESIGNED TO MAKE YOU FAIL BY VIOLATING F.C.R.A.-FAIR BILLING ACT ALONG WITH THE DODD-FRANK ACT.
Consumer complaint received 2021-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I opened QuickSilver credit card with Capitol One bank sometime in XX/XX/2020. The lady on the phone sometime in XXXX before I did a transfer from XXXX XXXX bank told me over the phone that the percentage on the cards here would be 19 %. 
My interest in XXXX XXXX were very high, so I decided to transfer the money to Capitol One bank on QuickSilver card. 
I transferred 2 different balances XX/XX/2020 - {$1200.00}. 
XX/XX/2020 {$610.00}. 
I was surprised when I found out that they Are charging me % 26. It is the same I had on another card from which I transferred the money! 
I talked to 2 managers, with one today name XXXX. 
It is useless. Why then the lady gave me the wrong info? 
I can not pay such a huge percentage! After COVID 19 started my hours at work were reduced to 15! Now 20. I have a lot of medical expenses. The only thing I can do is to file for bankruptcy, which I don't really want to. 
I wonder if you could talk to them. It is unfair. I could do the transfer to some other bank with lower percentage. 
Thanks
Consumer complaint received 2021-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (NC)

I have reported to both American Express and first premier bank that this account was re aged and that this in accurately reporting is hurting my credit in harmful way.ive tried to resolve this violation of my rights under the fair reporting act. XXXX  and XXXX  shouldnt allow American Express to repot a closed account be re aged with out an investigation
Consumer complaint received 2017-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX has not properly investigated the following issues on my credit report Confirmation # XXXX. Their claim to have investigated the issues is false. Please see enclosed letter ... 

Earlier in the year, I started a dispute with XXXX XXXX XXXX TransUnion regarding items on my credit reports. XXXX claimed to have gotten the public records information being reported on their file for me from XXXX. I started an inquiry into the facts with XXXX approximately XXXX/XXXX/XXXX. After concluding their investigation XXXX/XXXX/XXXX XXXX agreed with me and deleted the item ( see enclosed letter ). 

On XXXX/XXXX/XXXX XXXX claim to have investigated and VERIFIED this item by means of XXXX! 

XXXX XXXX XXXX TRANSUNION show a pattern of deceptive practices regarding consumer credit issues. They should be audited and their procedures combed over. I believe that their internal security as it pertains to a consumer file is loose. Meaning that dates and other important factual items can be changed by a clerk or data entry person for no reason other than their mood. Their record of FCRA violations has to be epic ...
Consumer complaint received 2021-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX Balance : {$340.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

THE BUREAUS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$380.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$59.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} This account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00} - This medical account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & HIPAA authorization because I did not agree to have any of my medical information shared. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} - In this collection, there should not be any outstanding bills as ALL bills are covered under my compensation insurance. This is inaccurate. Please provide me with a breakdown of the fees or delete this. 

XXXX  XXXX Balance : {$860.00} Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report.
Consumer complaint received 2021-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Business Factors (CA)

XXXX XXXX XXXX XXXX Balance : {$340.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

THE BUREAUS ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$380.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$59.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} This account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

Medical XXXX Balance : {$29.00} - This medical account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & HIPAA authorization because I did not agree to have any of my medical information shared. 

Medical XXXX Balance : {$43.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} - In this collection, there should not be any outstanding bills as ALL bills are covered under my compensation insurance. This is inaccurate. Please provide me with a breakdown of the fees or delete this. 

XXXX XXXXXXXX Balance : {$860.00} Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report.
Consumer complaint received 2021-02-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

Dear CFPB, Good afternoon. 
i was in a home modification application since last year XX/XX/XXXX. First I seek help from CFPB that my lender/Mortgage Company failed to pay my property for XXXX, then I seek a legal assistance from the county i live in and it was settled, because i did make a compaint to CFPB. 
The application that I made last year for Home Modification was denied, because mortgage company received the packet of my application in untimely manner, which was not congruent to the tracking number that I did monitor it they received it before the expected time that they need it. I made an appeal about it and they responded to my compaint cc my former lawyer. Mortgage company send one form that I have to signed for them to reverse the denial. They sent it XXXX  XXXX XXXX, XXXX and they need it on XXXX XXXX XXXX was XXXX and I can't do overnight using XXXX because they use PO box . I never heard anything from the mortgage company about the decision or the approval that they promised which was stated on their response to CFPB. 
By XX/XX/XXXX they stopped accepting mortgage payment because it said they sais i have restart my Home Modification Application which is I did submit all the necessary document they were asking from me. XXXX XXXX was my schedule to speak with my Representative Manager, but nobody called. I emailed them as the same day. Today XXXX XXXX I made a phone call to reach out the mortgage company to follow up my application it said I was denied because the house is not my primary residence. I live here since the day I bought this property. 
I need your help gain justice for the unfairly treatment that mortgage company did to me. Thank you so much and more power.
Consumer complaint received 2021-02-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Paypal recently froze my account for 180 days for absolutely no reason. I tried to reach them but to no avail, they did nothing about it. This has influenced my freelancing hustle a lot till I heard of you. I feel hat this coming from you will make them do their job better, and clear the misunderstanding. The email linked to my Paypal account is XXXX.
Consumer complaint received 2021-02-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XXXX I transferred {$300000.00} from my local bank, XXXX into my Capital One account. On the same day, the transfer was reversed. I called to see where the money was, as to date, XX/XX/XXXX, it has not gone back to XXXX. I have spoken to XXXX and they do not have a record of the money coming back to them and it is not in my account. Capital One shows the money coming in, and then going back out, but they do not know where the money is and are not able to trace it. I will attach the snip from my Capital One account showing the money coming in and going back out. 
I have called Capital One five times and gotten five different stories. They are telling me that it is a " known issue '' and on XX/XX/XXXX I was told that the " ACH '' department is looking into this. I was told, on one of my calls to Capital One, that the ACH department would return my call ( they have not ) and that the ACH department would post notes on my account as to what is happening ( they have not ). Today, XX/XX/XXXX, was told that I can now expect a call back from the ACH department ( again ). I called on XXXX, twice on XXXX, and spoke to two different people on XX/XX/XXXX. I also called today. I have tried to file a complaint with Capital One and was told that I would receive a call back in 21 days, and that I can not file a complaint with the office of the president unless I send a letter snail mail. I am at the end with this-not sure where to go. I am filing a complaint with the Office of the Comptroller and also with my congressman. The amount is {$300000.00}, so a lot of money and my retirement. They have lost it, I am not getting interest, and I need the money. It is rightfully my money, and the must account for it. Please help!
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : FIN AACCTS SV Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : Account Name : XXXX BANK Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX
Consumer complaint received 2021-02-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (CA)

We were in the process of buying a studio apartment and were planning to go with our regular/trusted mortgage broker who had already pre-approved us for the loan we needed to buy this property. The builder however had Citibank mortgage as their pre-approved lender. We were asked by the builder to go with Citi as they would work easier and the approval would smoother and low-risk. 

We gave our SSN, paychecks, bank statements, W2, previous year tax document and multiple other documents - Our interest rate was also locked and at that time we gave a 5 % non-refundable deposit and removed the contingencies. We had a closing period of 60 days. 

Now, 3 weeks before closing Citibank has declined our loan application - We were communicating with them as some of the income numbers were missing in their calculations. They suddenly decided to send a notice of cancellation which has left me with the risk of losing the deposit money, I have already sold several items from my departure property. 

I would have gone with my preferred lender if I was lead to believe by both Citibank and my builder that I had to go with them.
Consumer complaint received 2021-02-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: APLUS INSTACASH LLC dba A+ FINANCE (GA)

A plus loan is reporting inaccuratly, still shows charge off with a Balance when I have completely paid the loan off in XX/XX/3021 and was advised would take 30 days to update and will also be deleted from credit report