davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XX/XX/XXXX MIDWEST RECOVERY SYSTEMS Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MIDWEST RECOVERY SYSTEMS I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Maury Cobb, Attorney at Law, LLC (SC)

I have email threads with XXXX going back to XX/XX/XXXX with my XXXX business account rep, his boss and XXXX trying to figure out why we were sent to collections. Our account has been set to auto-draft since XXXX. Our business account was NEVER turned off and I don't know why we were sent to collections in the first place or ever notified. It took months for anyone to figure this out. I finally told them to just withdraw the amount from our checking account because I was sick of it. Next thing I know we received another letter from a lawyer- Maury Cobb Attorney at Law. They turned it over again!?!? I was no longer able to contact XXXX. I had to mail a check. I mailed a check on XX/XX/XXXX and now Maury Cobb ( as of XX/XX/XXXX ) STILL will NOT cash the check and our CEO 's credit continues to drop. I have written certified letters to XXXX XXXX XXXX Department with no response... I mean this is ridiculous!?! Please help. I can provide all documentation.
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (NE)

Company : Experian On XX/XX/2020 Experian showed my credit score dropped 25 points with NO negatively impacting factors occurring. I attempted to contact Experian by phone, although Experian goes to extreme lengths to avoid talking to anyone. Experian has it set up so that it is impossible to call Experian and talk to anyone. Experian requires all contact be in writing and accompanied by a mile high stack of documents which they state that they may or may not accept upon reciept of, and then after which they will eventually respond to you in writing with their opinion, without any back and forth problem solving dialog. Experian aggressively solicits their credit score booster feature with a monthly paid subscription with them. My credit score reduction that exists ONLY with Experian and not either of the other two credit reporting agencies ( XXXX and XXXX ) appears to be an unfair tactic to persuade consumers into paying for Experian 's product named " credit boost '' by lowering consumer 's credit scores without any reason at all. These are unfair tactics that very negatively impact consumers who have no recourse but to pay Experian XXXXredit score improvement ransom money. Please Help!
Consumer complaint received 2024-04-06
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SOP Pioneer Partners LP (NC)

Despite numerous written requests, the unverified account listed below persist on my credit report, constituting a violation of federal law. The XXXX Credit Bureau has failed to adhere to the Fair Credit Reporting Act, 15 U.S. Code 1681i, within the specified timeframe, and continues to report unverified information. Given all my efforts to address this matter directly with the creditor, this can now be construed as willful negligence and non-compliance with federal statutes. I demand the complete removal of this account from my credit reports. 
XXXX XXXXXXXX.
Consumer complaint received 2024-04-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Credit LLC (FL)

I've asked for proof, but they're not giving it to me. I want Merchants Credit Guide to give the CFPB the statements and proof of documents they're claiming I owe, but I know it's false information. I tried to get information from the hospital, but they didn't provide any. 

Please show the CFPB the document proving I owe them {$5000.00}, or I'll authorize the CFPB to take legal action.
Consumer complaint received 2022-11-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (NJ)

I was a victim of identity theft. A report was filed with the federal government and a police report was made in XXXX Police Department. Americollect has been trying to extort me for quite some time. I had removed XXXX XXXX XXXX due to this theft. This issue with Americollect is getting very stressful.
Consumer complaint received 2020-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Bureau Collection Services, Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XXXX REVCO   SOLUTIONS XXXX Reported : XXXX XXXX, XXXX + {$19000.00} Needs Attention REVCO SOLUTIONS XXXX Reported XXXX XXXX XXXX, XXXX + {$2500.00} Needs Attention REVCO SOLUTIONS XXXX Reported XXXX XXXX XXXX, XXXX + {$10000.00} Needs Attention REVCO SOLUTIONS XXXX Reported XXXX XXXX XXXX, XXXX + {$18000.00} Needs Attention Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to  provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious REVCO SOLUTIONS XXXX Reported : XXXX XXXX, XXXX + {$19000.00} Needs Attention REVCO SOLUTIONS XXXX Reported : XXXX XXXX, XXXX + {$2500.00} Needs Attention REVCO SOLUTIONS XXXX Reported : XXXX XXXX, XXXX + {$10000.00} Needs Attention REVCO SOLUTIONS XXXX Reported : XXXX XXXX, XXXX + {$18000.00} Needs Attention I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2024-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XXXX, XX/XX/XXXX with the assistance of a Huntington Bank customer service agent, I made an authorized e-paymentfrommy Huntington Bank checking account to my other checking account locatedat XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

100 % of the funds were fully available. 
Even after the epayment processed, I still had approx {$30000.00} still left in my Huntington Bank checking account. 

Since XX/XX/XXXX, Huntington Bank has kept me locked me out of my checking account which is my only way to pay bills as nearly everything is paperless these days. 

Since XX/XX/XXXX, I have called Huntington Bank nearly 17 times trying to get them to unlock MY checking account. I have also called Huntington Banks XXXX number customer services line to escalate a complaint ... .and it has gone no where. All I hear from them is apologiesand they keep blaming the " higher ups '' or the " people in the back office ''.
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The below inquiries are not mines. 

Inquiry details XXXX XXXX Inquiry from XX/XX/2020 Bank  XXXXXXXX XXXX Inquiry from XX/XX/2020 Bank XXXX XXXX  Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 Finance
Consumer complaint received 2020-08-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (MD)

I made numerous payments to my credit card account at Nordstrom.  They hold the money for funding for 14 days after the bank takes it out of my account. They say an online payment is like a check and requires 14 days to clear.
Consumer complaint received 2024-04-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Bank of America has blocked my online banking access when I tried to change my password. After call many times to customer service to try unlocking it, they told me that the only way to do it will be going to personally Bank of America 's branch in XXXX, due to I lost my registered phone number ( I lost my phone few month ago )... Currently I am in XXXX and I want to unlock my online banking without going to XXXX just for that. 

Bank of America didn't accept any document to verify my identity ( only registered phone number ) and they didn't give me any alternative way to do it.
Consumer complaint received 2020-08-13
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 — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (CA)

XXXX XXXX said that I did not pay XXXX or XXXX on time. 
THey offered a corona virus relief plan where you dont have to pay for 2 months consecutively. 

THey ended up reporting these 2 months as lates. I called to make a payment to " get current '' to bring the account in good status as I did not know they had deemed me late. 
I had to re-request them to put me on this corona virus plan. THey claimed they did but I did not receive a letter once again. 

I want to keep the account in good standing. They also have the balance over charged due to identity theft where I did not make or use all those charges. 

THe true balance should be {$3800.00} approximately. I have been incurring interest on charges I did not make.
Consumer complaint received 2020-08-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

On XX/XX/XXXX Portfolio Recovery XXXX, XXXX filed a lawsuit against me in the XXXX XXXX XXXX XXXX Florida in XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. Case Number XXXX. On On XX/XX/XXXX The court ruled against them because they could not prove they own the debt. But they are still reporting it on my credit reports. They are also reporting a charged off account from XXXX XXXX that they have not provided any lawful evidence that they own the debt such as purchase and sale agreement, chain of title or forward flow agreement with the account in question listed on it.
Consumer complaint received 2020-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I went to the Bank of America ATM in XXXX NJ on XX/XX/2020 to deposit a check. I used the drive up machine because the bank was closed. I tried to deposit 2 checks, 1 at a time, and the ATM took one but then malfunctioned. It wouldn't return my deposit back to me but instead gave me a receipt requesting me to " contact the electronic claims team to discuss my transaction. '' Naturally I call immediately, to file my claim that the machine ate my check. The person I spoke over the phone with files helped me file my claim. 30 days later, I get a notice informing me that " they found my transaction but could not find my check and they were going to debit my account XXXX dollars that they credited me for the transaction prior. I call back to escalate my claim, and they still took the money out of my account but seems like they haven't made any actual attempts to locate my check. I called back infuriated by the is and was asked a host of silly questions about if i used another ATM to which my response was why would i use another machine at this location with a check stuck in the 1st one? and was basically told there wasn't anything they could do about the money debited from my account and they will try to escalate my claim again. Now I'm being charged fees because of my false negative balance, which I refuse to pay..
Consumer complaint received 2023-02-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo approved mortgage to an investment property that I was never qualified for. Mortgage application was approved with no credit check and no income checked. As a new investor at that time, I did not know much about how mortgage process works. It is clear that I become a victim of an organized crime, committed by the financial institutions, like Wells Fargo. As a result I lost all my life savings that I worked so hard. My investment property was dragged into foreclosure. Please see attached mortgage information.
Consumer complaint received 2020-08-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

This complaint is about my HELOC account with Bank of America and the lost payoff payment. I have two account with BofA : First Mortgage and HELOC. I just did a refinance of these loans with another company. I show that my mortgage has been paid off but the HELOC is still open is showing a full balance of $ XXXX. I reached out to the title company and they confirmed that they overnighted the payoff for HELOC in the amount of $ XXXX on XX/XX/XXXX and they have a delivery signature by BofA on XX/XX/XXXX XXXXXXXX XXXX, but the account is still open and balance is still outstanding 7 days later. Yesterday, XX/XX/XXXX, i tried to reach out to BofA to resolve the situation. I spoke to a first representative who confirmed they don't show any pending payments on my account, the representative confirmed my phone number of file and noted the account and said they need to transfer me to customer service so they can check once more if there are any pending payments. I was on hold for 2 hours 45 minutes and then a second representative spoke to me. I described my concerns, the rep told me not to worry since i have a confirmation that the payment has been received and it will be applied eventually. I asked her if her response violates the RESPA payment guidelines, she placed me on hold and then disconnected the call ( since the first person i talked to confirmed my phone number of file i was hoping this representative would call me back, that didn't happen ). I am now filing the complaint with CFPB in hopes to receive the response from Bank of America about what happened to the payment they received, i would also like to confirm there will be no credit reporting impact after this is resolved.
Consumer complaint received 2020-08-13
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: Experian Information Solutions Inc. (FL)

I have sent four letters to this company to verify the debt via certified mail and they have not responded to me at all. Per the Fair Credit Reporting Act if a company does not verify a debt within 30 days they have to remove it which I have confirmation with the USPS that they have received multiple letters from me and they have failed to response with any information verifying the debt showing my signature and that I owe them any money. They also have failed to remove the account from my credit reports.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

creditwise  report on XXXX a closed account XXXX derogatory this is not on my credit report / XXXX  XXXX XXXX on XXXX XXXX delinquent account from XXXX this account has been closed and is not on my credit report it has been removed I DIDNOT FIND THIS INFOR IN MY CREDIT REPORT I WOULD LIKE THEM TO NOT BE APART OF CREDIT WISE AT ALL THAY R NOT REPORTING THE REAL CREDIT I WILL BE FILLING A COMPLAINT /XXXX XXXX XXXX = {$230.00} THIS IS NOT A PART OF MY CREDIT REPORT ( XXXX ) XXXX THIS IS A FAKE CHARGE XXXX XXXX = {$250.00} DEROGATORY ACCOUNT NO XXXX I DO NOT HAVE THIS COLLECTION ON MY CREDIT REPORT AT ALL STOP SHOWING THIS XXXX = DELINQUENT ACCOUNT XXXX XXXX FROM XXXX {$560.00} IS ACCOUNT IS NOT DELINQUENT ( XXXX ) XXXX PLEASE CALL GET THIS OFF MY CREDIT ACCOUNT CREDIT WISE IS A BAD REPORTING I WOULD LIKE IT TO STOP STOP, STOP
Consumer complaint received 2020-08-13
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. (FL)

I have sent four letters to this company to verify the debt via certified mail and they have not responded to me at all. Per the Fair Credit Reporting Act if a company does not verify a debt within 30 days they have to remove it which I have confirmation with the USPS that they have received multiple letters from me and they have failed to response with any information verifying the debt showing my signature and that I owe them any money. They also have failed to remove the account from my credit reports.
Consumer complaint received 2023-06-28
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: EQUIFAX, INC. (TX)

On XX/XX/. I disputed a fraudulent account on my credit reports by mail. As of today XX/XX/, I have not been notified of the investigation results, it has been more than 30 days since I submitted the dispute letter, and nothing. It's as if they are ignoring me on purpose. This is a violation of the FCRA.
Consumer complaint received 2024-04-06
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (CA)

I deposited a check and they dont want to give me my check they say that the check is a fraud but the money is already in the bank and they have closed my bank account, they say the the number that the insurance number but they say that the numbers dont match the number they have. That check has been there for XXXX  months now.
Consumer complaint received 2022-10-08
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. (SC)

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 items listed below : 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