davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-08
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC (OH)

Phoenix Financial Services & XXXX has sent me multiple false bills detailing a fake emergency room visit and debt from that visit. They claim I owe a debt to a fake doctors group called XXXX XXXX XXXX and call me incessantly and send bills saying it will go on my credit. I have called XXXX XXXX Hospital Emergency room billing and they called this company and was asked to stop sending me bills. 
The company is still claiming I owe a bill but the hospital says there is no record of outstanding unpaid medical fee. This is a really aggressive hoax and its all over the internet that they have tried to scam others this way.
Consumer complaint received 2023-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

My name is XXXX XXXX ; I'm a XXXX XXXX XXXX female diagnosed with XXXX, I have a special need son. On XXXX XXXX I mistakenly made double payment for my credit card ending XXXX, the first payment was {$850.00} and the second payment was {$780.00} because when I made the first the payment the bank did not clear out my statement bill right the way even though they withdrew the payment from my checking account right the way. So I called right the way and several time the BOA customer service to get my over payment back to my checking account because there is no money left on my checking account, unfortunately they refused stating that I have to wait XXXX, I run at night to the bank and deposit {$200.00} fear of overdraft, I did not stop calling, begging asking BOA agents for my money back to pay for my medicine for over a weeks constantly many times a day. I was traumatized mentally physically and emotionally which cause my pain get worsen. 
It took more than 3 weeks for BOA to give me my money back ; I got refunded on XXXX XXXX. 
Not only that BOA never gave me my reword money back from XX/XX/2022...
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I'm applying for an apartment and a report came back that i have an eviction on my record. I have lived in the same complex for 2 years and have not been evicted.
Consumer complaint received 2017-03-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (OH)

Bayview Lending is sending threatening notices to foreclose and certified mail to XXXX XXXX on XXXX loans. She is not on the note or mortgage on any of the loans.
Consumer complaint received 2024-02-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I requested from United states Automobile Association, as I am a client, that I would like to disassociate XXXX from any and all of my banking accounts. I never received a response and I believe that funds have been withdrawn from my accounts without my authorization. Also on my mobile application for USAA it stated that the federal savings bank was not Federal Deposit Insurance Corporation insured however ; according to the FDIC website that is incorrect.
Consumer complaint received 2023-07-04
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2017-03-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (IL)

Hello, I recently reviewed my credit report and discovered some inconsistencies. There are some accounts on my credit that do not belong to me nor was I ever notified about. I will dispute these fraudulent accounts with the credit reporting companies but I would also like for the credit reporting companies to be investigated as well as I never authorized these accounts to be on my credit report. Thank you
Consumer complaint received 2024-04-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

I don't recall having a contractual relationship with this collection company JEFFERSON CAPITAL SYSTEM. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2022-12-26
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. (IL)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX # XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX These credit bureaus have violated my rights. 

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

15 USC 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 2017-03-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MI)

Something is wrong with the electronic payment system at XXXX. I have tried to make my XX/XX/2017 payment twice and the payments still have not been taken out of my checking account. I have tried calling multiple times, but I never talk to a live person. There is a phone number on their website, I have called over and over again, but no person can be reached. Why wo n't they pull the finds out of my account? Will my payment be reported as late? Will I have late fees, will this appear as a late payment on my credit report? I have lots of questions but no one to answer them. I made a payment of {$520.00} on the company website on XX/XX/2017. Then I made a second payment of {$520.00} on XX/XX/2017 also on the company website. Today is XX/XX/XXXX and the money is still sitting in my checking account.
Consumer complaint received 2022-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (OH)

Someone have stolen my debit card and made ATM transactions & merchant purchases. I explained to my bank that this never happened before and that I've never authorised anyone to make these transactions nor did I make these transactions myself. this is now my third time speaking with my bank and I haven't gain any real help. 

My bank denied me because " we don't have enough information '' " because you made a transaction on the same day your card was missing/stolen '' I don't understand none of these are good reasons and I responded that theft isn't planned. Plus I didn't make these transactions. 

( 6 transactions ) XX/XX/2022{$500.00} ATM XX/XX/2022 {$500.00} ATM XX/XX/2022 {$500.00} ATM, {$450.00} XXXX, {$290.00} XXXX, {$48.00} XXXX XXXX XXXX Total : {$2200.00}
Consumer complaint received 2022-12-12
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. (GA)

I recently reviewed my credit report and found unauthorized inquiries. I contacted Equifax and XXXX creditors, and they have NO proof I initiated such inquiries, nor written authorization, and have failed to provide any permissible purpose. Since they do not have my authorization, written or verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b in ge
neral.

Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. 
If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the data is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX XXXX XXXX  Inquiry Date : XX/XX/2022 Creditor : XXXX XXXX Inquiry Date XXXX XX/XX/2022 Creditor : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/2022 Creditor : XXXX XXXX Inquiry XXXX : XX/XX/2022 Creditor : XXXX XXXX Inquiry Date : XX/XX/2022 The following inquiries are unauthorized : Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Creditor : XXXX XXXX XXXX The following inquiries are unauthorized : Creditor : JXXXX XXXX XXXX Inquiry Date : XX/XX/2022 Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Creditor : XXXX  XXXX Inquiry Date : XX/XX/2022 Creditor : XXXX XXXX XXXXE Inquiry Date : XX/XX/2022 Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Creditor : XXXX XXXX DEALERS Inquiry Date : XX/XX/2022 Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 2022
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

This is a violation o

f 15 U.S.C 1681 eb This is a hinderance to my credit report this is inaccurate and I would like it to be removed. I have attched file uploads to show the inquirees I have received from improper use of my credit report! I have uploaded pictures of the open accounts that I use to show you that the inquires that was made on my credit report was not from me!
Consumer complaint received 2023-07-18
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. (NY)

The following inquiries from my credit report are one 's I don't recognize as they were not done by me. Please remove them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-08
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. (CA)

I have sent IRS Noti ce of Withdrawal of Federal Tax lien to   XXXX , TransUnion and  XXXX  to delete the entry from our records, and they have not.
Consumer complaint received 2017-03-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

In XXXX my mortgage with Carrington mortgage was paid in full, address of XXXX XXXX tx XXXX. I have requested a breakdown of my escrow account and my last payment on three occasions due to a dispute concerning the final escrow distribution. Carrington mortgage refuses to explain how they reached the amount of the escrow distribution, continuing to say the loan is closed and they do n't have access to the data. In Carrington 's view the amount they sent is final and not to be questioned. When the escrow company requested a payoff an additional payment was made by myself afterword. The escrow company sent the original payoff which did not take into account the additonal payment which I have yet to receive back from Carrington.
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

The complaint is with Capital One. In several instances in my dealings with them, they did not perform and violated several consumer laws. I had XXXX credit card accounts with them and I contacted them with billing concerns and formally lodged a billing dispute complaint. I sent the first letter to them on XX/XX/XXXX and then again on XX/XX/XXXX. They did not respond to either of the disputes within 30 days as the law states and made no attempts to investigate the matter. My complaints were about 15 USC 1666b and 1666d. They did not abide by these laws in how my account was handled and how they reported my activity. 

After several conversations with the various departments they sitll didnt even acknowledge the fact that I had in good faith submitted billing disputes on both of my accounts. Ultimately they wound up closing both of my accounts citing a violation of the cardholder agreement. They told me that they do not accept the form of payment I sent in. I sent them a registered security to satisfy payment and a security is a lawfull form of payment. When calling them and asking me to send them in writing that they do not accept securities ( commercial paper bonds ) as payment, they hung up on me several times. Finally, after calling back several times, they blatantly told me that they could not send me that information in writing. It was enough of a reason for them to close my accounts but they absolutely would not send me it in writing. My last communication with them was on XXXX, XXXX 2024 at around noon CST, on several recorded lines and this is where they told me they couldn't send me this information in writing. 

The reason why they would not send me the information in writing is because it backs up my stance in the disputes with them and also because they are committing securities fraud and evading paying taxes on the proceeds from those securities. They take their receivables, securitize them in a trust, and then trade them on the primary and secondary markets where they do not have to be registered for a few different reasons. First, they are a foreign limited liability company that doesn't have to register securities and secondly, they get securitized as commercial paper which also does not have to be registered, if they are not registered you can surely believe they are not paying taxes on them. This is the reason they refuse to send me the information I requested in writing. In their purchase, pooling and servicing, security and indenture agreement, it states that they do not and will not engage in any fraudulent practices when it comes to their investors and their handling of securities and then they evade obligation or liability by refusing to provide documentation when requested to an investor who feels that they are being used to commit the fraud.
Consumer complaint received 2023-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I went out of town on XX/XX/XXXX and i lost my card before I left town. My pin number was written on my debit card due to the fact of me having hard time remembering my pin numbers as I have a few. After getting back to town on XX/XX/2022, I realized there were unauthorized withdrawals from my checking account and I realized I do not have my card. After contacting wells fargo bank to inform about what happened and filing a dispute, I was provided a claim number # XXXX. After a week or two wells fargo sends the decision of the claim being denied due to the fact that the pin number was used therefore the transactions are valid or were made with my permission. After calling wells fargo back and talking to a few representatives, one of the representatives reopened the claim stating that in the original claim it was stated that I was in possession of my card, which I clearly stated that I was not during the filing of the original claim. Another claim was reopened to further investigate the matter. the new claim number was # XXXX. After their investigation into this matter again, I received a letter stating the same thing that since the pin number was used then the transactions were valid. There were 4 different transactions ( withdrawals ) totaling to {$3900.00}. I have also sent my reservation itinerary to wells fargo claims department showing that I was checked into XXXX XXXX and Casino in XXXX XXXX and I also sent them the receipts of the rides I took using the XXXX XXXX XXXX while I was in XXXX XXXX to get from one hotel to the other. I have exhausted all logical means of trying to reason with Wells Fargo bank but all have been in vein. I state again that I have lost my debit card probably at the gas station when I was pumping gas to get on the road to XXXX XXXX from XXXX XXXX, and my pin number was written on my debit card due to my poor memory. 

I have previously tried to get the issue resolved and filed a complaint but the company did not resolve the issue. previous complaint number is XXXX
Consumer complaint received 2017-06-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NC)

Account number XXXX Name : XXXX XXXX  Address:XXXX XXXX XXXX XXXX, SSN : XXXX To whom it may concern : I am hoping you can assist me with an issue that I am having. I received a modification in XXXX. After the modification I 've been paying on time and received a notice from Ocwen stating that due to my good standing I was eligible for and incentive of {$5000.00}. I completed the necessary paperwork and faxed it into Ocwen and contacted Ocwen to confirm receipt of the fax. When it was time for my incentive to be paid I followed up with Ocwen on several occasions to find out when I could expect the {$5000.00} to be credited to my account. I was told that when the government sent them the funds it would be applied to my account. I asked several escalation managers to look into when I can expect my refund and was told that Ocwen had not received the incentive from the government yet.
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In XX/XX/XXXX I received a letter from Ocwen stating that they were transferring my loan to XXXX XXXX XXXX inXX/XX/XXXX. Immediately contacted Ocwen to find out how this would affect my incentive I was told that when the government sends the incentive Ocwen would transfer it to my new mortgage servicer or the government may send the money directly to the new servicer.
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I started following up with the new servicer regarding the Hamp incentive only to be told that Ocwen had not received my Dodd Frank Certificaiton therefore i was not receiving the {$5000.00}. This completely baffled me because all the times that i called Ocwen i was never told that they had not received the Dodd Frank Certification ( and remember I called Ocwen to confirm receipt of the fax when i faxed the doc ). My husband is a military veteran and neither of us have ever committed a crime therefore we have no reason to not submit the Dodd Frank Certificate. It seems to me that Ocwen dropped the ball all the times I contacted them to find out when i could expect my incentive I was never Informed that they did not receive the Dodd Frank Certificate.
Consumer complaint received 2017-03-20
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

On XX/XX/2016 I purchased an airplane ticket for the amount of {$1900.00} with my CapitalOne credit card. In XX/XX/2016, I disputed {$500.00}, but the amount actually debited back to the merchant was {$1900.00}. The merchant contacted me immediately, and I explained that this should not happen, but they did send me a copy of the invoice sent from CapitalOne, which shows {$1900.00}. I asked the credit card company multiple times to tell me what it was debited to the merchant and how it can be resolved, but they were not willing to provide me with the actual information. After the merchant threatened to report this to collection company, because the case was resolved in my behalf for the amount of {$1900.00}, I paid the merchant again the amount of {$1900.00}. I asked multiple times CapitalOne to credit me the remaining of the amount of which they debited the merchant {$1400.00} ( {$1900.00} - {$500.00} ), but they refuse to do that. I am losing faith in receiving this amount ( {$1400.00} ), and that is why I am turning to the Consumer Financial Protection Bureau. After contacting the CFPB, the bank returned my money, just to bill me again on XX/XX/XXXX for the same amount with a pretext that I did not provide them with sufficient evidence to receive that return.
Consumer complaint received 2024-02-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have 2 unauthorized transactions to an unknown individual/entity. Both for {$2500.00} via XXXX on XX/XX/XXXX4 and XX/XX/XXXX. I did not receive notification of both transactions and noticed only when logging into my account. I called the Bank of America fraud department on XX/XX/XXXX and reported both unauthorized transactions. A case was opened up ( case # XXXX ) and I was advised to create a new checking account, which I did and reset my online banking password, which I also did. I just want to make sure the chargeback is successful to get my funds totaling {$5000.00} reimbursed into my account. Thank you