davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-20
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: EQUIFAX, INC. (OH)

By the provisions of the Fair Credit Reporting Act, I am submitting you this CFPB Complaint to request that the listed accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance Owed : {$330.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Please check the Payment History information of this account. The late history shouldn't be showing lates because I believe I paid on time. Please adjust the late payments from this account. I am not late on this account. Get it right immediately ; evaluate this reporting by revising the information provided. Modify and perform any corrections and update this from my file. 
XXXX XXXX XXXX Balance Owed : {$9500.00} - I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

Im submitting a complaint to you today to inform you I was the victim of fraudulent activities. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file an identity theft report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removal of the erroneous information and fraudulent items that were being posted to my reports. Here is the list of items that were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

CAPITAL ONE BANK has closed both of my credit card accounts without my consent. They did not notify me that they were closing my account and did receive my permission to do so. I had recently disputed my credit card account ending in XXXX, which stated that they never disclosed to me that I had a right to opt-out of having my nonpublic information shared to nonaffiliated third parties. In this case, I was disputing the fact that they furnished my account on my consumer report without giving me the option to opt-out of having this take place. They responded via mail stating that my account was reporting accurately on my consumer report as an open account. Several days later they proceeded to close the account. Not only did they close that account but they also my other credit card account ending in XXXX, which had never been disputed nor brought into the equation of the disputing of the account ending in XXXX. According to the representative over the phone, my account ending in XXXX was closed due to a violation for disputing ( which I have a right to dispute and my dispute was not inaccurate ) and my other account ending in XXXX was closed because it was in relation to my other account. They also said it had been closed due to return payments, which is false and deceptive because I have not had any return payments nor late payments on my account. This company has taken advantage of me and violated my rights as a consumer, a natural person. I am the original creditor and the only way they could reextend my credit back to me is for me to originate the credit to begin with by them using my credit card ( social security card ) to open and pay for the account in full. Moreover, neither of my accounts shall contain a monthly balance for this matter because each account contains a finance charge, which is the sum of ALL charges. Once they required my credit card ( social security card ) to open this account, the account was paid in full and shall not contain a monthly balance. The monthly balance shall be wiped cleared because I have unlimited credit and this company has been paid in full. They did not have a right to close my account without my consent pursuant to federal law ; Truth In Lending Act. Moreover, they did not notify me before doing so. Their claim is that it's within their policy, however their policy does not overrule the Truth In Lending Act, which was set in place to prevent fraudulent activities such as this to occur. Furthermore, I paid my credit card ending in XXXX with cash for the duration of this account being open, which is illegal because they should not be taking cash from me when this account is opened under an open end consumer credit plan and contains a finance charge, which shall only be paid with credit. I have been completely taken advantage of and I want all my cash back including the reopening of my accounts.
Consumer complaint received 2022-01-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

Phh Mortgage/XXXX XXXX is the mortgage company I am dealing with for an insurance claim with water damage and construction. There is an escrow account because the insurance funds were endorsed to me and the mortgage company. 

The initial check of {$57000.00} was sent to the mortgage company and endorsed by myself and my public adjuster ( endorsed as directed by the bank, and in the same way the public adjuster has endorsed thousands of checks, including checks I have been able to deposit to my own accounts for housing loss of use without any problem ). The mortgage company first received the check on XX/XX/XXXX. Construction and demolition started XX/XX/XXXX. After a lengthy argument and multiple phone calls they would not accept the endorsement, sending it back on XX/XX/XXXX, received XX/XX/XXXX. I followed the mortgage co instruction for how they wanted the endorsement corrected and sent it back overnight mail for {$40.00} to be received XX/XX/XXXX. Once again they refused to accept the endorsement. I had the mortgage company and the owner/authorized signer/public adjuster on the phone together and they still refused to accept the check as endorsed giving different instruction for how they wanted it endorsed. Once again I received the check back and overnighted it again, which they indicate was not logged as received until XX/XX/XXXX. In the meantime I received another check for {$7200.00} that I sent in for endorsement by the mortgage company. I requested an inspection anticipating 5-7 days to schedule as outlined by the mortgage company on XX/XX/XXXX since our contractor anticipated 6-8 weeks construction or less. By making phone calls to the mortgage company every day, they finally released {$40000.00} which was received on XX/XX/XXXX. 

It took until XX/XX/XXXX and daily phone calls to get an inspection done to get the next funds released. My contractor had to slow work until I could provide more funds. On XX/XX/XXXX the check was mailed and I requested another inspection. Another check for 60 % of the work complete was received on XX/XX/XXXX. Again, there was a delay and it took until XX/XX/XXXX to get an inspection which indicated 90 % of the work was complete, therefore the rest of the funds should be released. As of today XX/XX/XXXX the funds are still being held and are supposedly pending the " inspection results '' which per the inspector were sent the same day as the inspection. They have approved an " emergency fund release '' of half of the balance to be sent today, but the remaining $ XXXX is still not released. The construction is wrapping up this week and PHH. Mortgage/XXXX XXXX are holding the funds hostage. These ongoing delays and inappropriate handling of funds is not acceptable, yet there is very little recourse that I seem to have to do anything about it. 

DO NOT work with PHH/XXXX XXXX if you want a fair and effective mortgage company.
Consumer complaint received 2022-12-03
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. (MO)

In accordance with the fair credit reporting act .XXXX acct # 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.
Consumer complaint received 2021-12-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Back on XX/XX/XXXX I submitted a complaint because I was struggling to get my mortgage statement from Select Portfolio after multiple attempts identified in my original complaint # XXXX. ( ie - told my multiple representatives that the mortgage statement generally are generated between the XXXX - XXXX of a month ) I was finally able to receive my statement on XX/XX/XXXX. 

I have now waited to receive my XX/XX/XXXX statement that I anticipated to be available between ( XXXX XXXX XX/XX/XXXX ) this statement is important as I have not been able to review how my mortgage payments have been applied. This includes payments for ( XXXX, XXXX, XXXX, and XXXX ). 
So based on the timeline of XXXX between XXXX - XXXX for the XX/XX/XXXX payment, On XX/XX/XXXX I contacted Select Portfolio and requested statement. I was told to be patient. I can not understand why a timely statement is not generated and I am having to call and request for my mortgage statement.
Consumer complaint received 2019-11-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Northeast Recovery Solutions, LLC (FL)

Company nrs medation called me first then and then called my Uncle reporting they was going to file a judgement on me in XXXX XXXX.i have both voicemails from my uncle and me from XXXX XXXX XXXX. Which i try to settle made payment lied and said i didnt try to pay sent them my banks states and still lied..
Consumer complaint received 2022-12-03
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)

To whom it may concern : After reviewing my credit report, I realized that my score was lower than from which I previously checked it. I was a victim of identity theft years ago so I have had a freeze on my credit report for a long time now to which I have been trying to remove for a while on XXXX. 

The account to which I had no knowledge of was : XXXX Account # XXXX for {$2600.00}. 
I had no knowledge of this account and never presented any physical identification for this account to be open. 

The account violating my consumer rights with inaccurate reporting : XXXX XXXX XXXX XXXX According to 15 U.S. Code 1681 ( XXXX Account # XXXX ), and ( XXXX XXXX XXXX XXXXXXXX ) : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

Also to this ( XXXX Account # XXXX ), each CRA is reporting a different report for this fraudulent account which is also a violation of my consumer rights. Sections such as when this account was closed, the account comments, date last active, and the payment history ( XXXX XXXX XXXX  XXXX ) are all reporting inaccurate information of an account I had no knowledge of which is improper use of my credit report. Which again violates my consumer rights. 

And this information is inaccurate. 

According to 15 U.S. Code 1681b subsection 2, I never gave any written permission for this account to be in my possession nor upon my credit report.
Consumer complaint received 2019-11-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My account was compromised via XXXX, and I was hit with a fraudulent transaction. via XXXX using my debit card which has since been replace, XXXX changed my transaction to a check/ach charge using my bank routing number " due to the large amount '' without informing me and leaving me unprotected as per the phone rep I spoke with at XXXX. the person below is a scammer and has not delivered the goods promised to me, I am asking for a chargeback from bank of america on this fraud and I insist XXXX be held accountable for their fraudulent behavior and for compromising my account by switching the transaction to ach without my permission or notifying me. Both Bank of America and XXXX has refused to help with my case
Consumer complaint received 2019-09-09
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: EQUIFAX, INC. (CA)

Equifax is reporting incorrectly a charge-off on XXXX  partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) On or around 1995 I had a cable company give me a unit for a trial period. I cancelled the membership and made arrangements for the company to pick up the unit that I was trialing. The company failed to pick the item up. After numerous attempts to contact someone at the company, they finally came to pick up the unit a few weeks after I initially cancelled the membership. I was told they would credit my account however, they never did. When I sold the property and moved, I followed up on this account to ensure it was in fact credited. I unfortunately do not remember the name of the company as it was so long ago. This incorrect reporting of a charge-off account is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2019-09-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC (AZ)

On Monday XX/XX/19 I noticed a missed call from XXXX. I received the call again 2 hours later and a woman identified as calling from Phoenix Financial Services, LLC calling about an alleged medical debt of apx. {$1600.00} and asked if I was interested in accepting an {$800.00} settlement. I stated that was a great offer but would need to communicate in writing only as I can not answer calls while working. The woman abruptly ended the call. In attempting to call back from my cell phone 4 times and office phone 1 time the agent repeatedly hung up without taking my call. This is an abusive practice and violation of FDCPA UDAAP provision.
Consumer complaint received 2024-02-20
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. (OH)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items that are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX Balance : {$290.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX Balance : {$290.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4300.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-02-20
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. (GA)

Despite my previous 4 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.
Consumer complaint received 2023-01-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

XXXX XXXX frauded money out of me via XXXX I was not told anything about it, to send money to people that are over here he says that he is in the army, XXXX XXXX is supposed to in the army too I sent money to XXXX XXXX from CA and XXXX XXXX XXXX XXXX CA I have both of there numbers one works the other does not. There are alot more names.
Consumer complaint received 2021-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Atlanticus Services Corporation (SC)

On XX/XX/2021 I Purchased an item from XXXX for XXXX. An authorization hold was placed on my card ending in XXXX. The store I ordered the item from did not have the item in stock so they cancelled the order. The authorization hold was removed and returned the following day XX/XX/2021 by XXXX Transaction # ending in XXXX. Today is XX/XX/2021 I have reached out to Fortiva Customer Service via telephone and chat multiple times totalling 10 or more. They refuse to refund this money saying it has not been refunded. I contacted XXXX customer service again obtained screenshots from there computer systems showing the transactions and refunds again Fortiva said it could take up to 30 days. This is not the only refund I was owed I. Owed refund from multiple retailers totalling around {$200.00} However when I threatened to contact the XXXX my entire account history and all transactions were erased from my account. They are not accessable online or by telephone. I refuse to pay this bill until the proper adjustments are made. I am now over the limit when I should only have a balance of around {$200.00}. This company lied multiple times and has broken numerous Debt Laws. When threatened with CFBP my entire account history has been erased now I have no idea what they have charged me and for what transaction or when.
Consumer complaint received 2021-12-22
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: NORTHWEST BANCSHARES INC (TX)

In XXXX, i called Northwest Bank to make payment on the phone and the lady that attended to me told me she was having problem with her computer and she transfered me to the automated line to make payment. I made the payment. 
Few days after checking my statement, i realized the automated line didn't record my payment. 
XX/XX/XXXX, i received 30 day late payment on my credit. This mistake wouldn't have occured if their automated line recorded my payment that was made in XXXX. 
I would like Northwest Bank to delete this late payment registered on my credit for XXXX since the payment was made before XX/XX/XXXX but their automated payment line didn't record the payment made in XXXX. 
Your urgent response to this issue will be appreciated
Consumer complaint received 2021-12-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: M&T BANK CORPORATION (CA)

The XXXX XXXX  XXXX bank claims That I opened a personal checking account this year and used their credit line. They claim I owe {$600.00}. I never opened this account and in fact closed my joint account with my father this year after paying off the balance. This is a fraudulent collection attempt
Consumer complaint received 2021-12-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Augusta Collection Agency, Inc. (GA)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Ga XXXX has been sending me collection notices in the amount of {$2500.00} XX/XX/2018.. THIS COLLECTION HAVE BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNITURE.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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