davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-20
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. (GA)

XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

In accordance with fair credit reporting act XXXX  account # XXXX has violated my rights. 

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

15 USC 1681 Section 604 A Section 604 A Section 2 : It also states a consumer reporting agency c furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2021-12-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc. (GA)

I pulled my credit report. I seen an amount for {$34.00}. This includes a medical service that I am unaware of because the information is not me or owed by me. I was XXXX  between the time of XX/XX/ 2020 throughout COVID-19 pandemic. I was under Medicaid throughout the duration of the time of my XXXX.
Consumer complaint received 2023-12-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kingston Data & Credit International Inc. (FL)

I reached out to this company last year and they stated that the information on the account had the same address as me but the information was slightly different. They also mentioned that I would receive a response to the validation I requested, yet I have still yet to receive anything. The FCRA states that " Inaccurate, incomplete, or unverifiable information must be removed '' and it also states that if they must respond or the accounts have to be removed.
Consumer complaint received 2021-12-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (CA)

We were on a 3 month plan to pay the last payment of {$2100.00} to XXXX XXXX XXXX XXXX on XX/XX/2021. Approx the middle of XXXX, we received a phone call from XXXX XXXX telling us they were transferring our loan. We didn't understand at the time nor did we accept the offer. We called XXXX XXXX and no one would give us answers or explained why they were transferring our information to a 3rd party. XX/XX/XXXX we received a letter from a different Servicer stating we must now start paying them on XXXX, 2021. We called XXXX XXXX to inform them and they stated our loan has been transferred. XXXX XXXX, 2021 we received a letter stating we owe the new Servicer. We called Midland Mortgage on XXXX XXXX, 2021 spoke with the receptionist XXXX ( XXXX ) asking her to please send Validation of this new contract, she said she not allowed to send anything. We asked her to please give us the information to the financing officer, she said she wasn't allowed and transferred our call to her Supervisor XXXX ( XXXX ). We asked XXXX to produced the contract that we signed with Midland Mortgage he stated he can only send the payoff sheet, then transferred our call to XXXX the Manager, whom we asked to send the contract that we have with Midland Mortgage and she said she couldn't because they bought the contract from XXXX XXXX who sold it to them in XX/XX/2021. This is a completed violation of the FDCPA 15 USC 1692, as a consumer and the original creditor also violation of 15 USC 1692g when the Midland Mortgage Corporation would not validate an original contract between us and Midland Mortgage Corp. They're also in violation of 15 USC 1692f ( 6 ) and 15 USC 1692d by using unfair practices, sending us a delinquent notice and threatening us that if we do not pay on this alleged loan we will lose or home and entitlement to my VA home loan guaranty, dated XXXX, 2021. When calling Midland we were yelled at assumed to be lying when we had our authorized representative speak on our behalf, which is also violation of 15 USC 1692d ( 1 ) ( 2 ). They are also in violation 15 USC 1692e, 15 USC 1692b, 15 USC 1692b ( 2 ) sending written communication ( violation of 15 USC 1692c ) claiming I owe an allege debt to their company. As the natural consumer 15 USC 1692a, and original creditor 15 USC 1692 there is no debt owed because the we extended the credit, it was sold without our consent or signature on a contract between Midland Corp and ourselves. They were not authorized to use our credit violation of 15 USC 1692p Unauthorized Use of credit. My wife and I our stressed, anxious, nervous lately on edge and in fear of losing all we have and worked hard for.
Consumer complaint received 2021-12-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

I applied for the COVID Act for mortgage relief. I started XX/XX/XXXX, in XX/XX/XXXX I started the modification process, I am still trying to complete my modification. Each time I submitted required documents, PHH Mortgage bka Ocwen Mortgage would require additional documentation that was never initially included. This has gone on for months. The latest incident, I was asked to complete a marriage affidavit after my modification was in review to be completed. First I am not married and my parents are on my loan, so I know it was for parents however, they have for 50 yrs, why would you need an affidavit as if something has changed. So this has once again delay my modification process. They sent me the copy of the modification as if I received it before but I had not, once I opened the document it had my name and account number noted on the form but there was someone's address on the form. They encouraged me to sign it however I would not because my address was not listed on the required document that they claim I need to sign for my modification. Now I have to wait 10 days to get the corrected document which again delays the process of completing my modification. PHH Mortgage bka Ocwen Mortgage has done a horrible disservice for the mortgage industry and home owners. I have been stressed out for months to get this modification complete.
Consumer complaint received 2022-01-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I submitted a complaint to XXXX  through CFPB and the company responded that they are still working on the issue. I'm complaining that they should work quickly to remove my file and delete the erroneous information from their systems. I am complaining and noting that XXXX should know that there is no time to resolve this issue. They could be arrested, in jail or subpoenaed within 60 days if they don't act immediately. Normally within 15 days. It is illegal to place an individual 's information in XXXX or any other credit report file, randomly for no cause. XXXX deals with bounce checks and bank fees, and direct misuse of accounts, not " suspected ''. Possible alcohol and substance abuse is nationwide known factor in wrongful suspicion, along with other factors as well. XXXX has had 4 years to work on this issue and should have declined the bank 's faulty objection in XXXX They are supposed to have knowledgeable personnel who won't make these kind of errors. I am complaining about this. I am complaining that there is no more time.
Consumer complaint received 2021-12-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (NE)

I had lost my bluebird American Express card I called the car company because I noticed transactions had been going on that I did not approve of so they sent me a dispute paper to fill out I did that two days later they sent me a email saying that I was basically lying in the transactions was approved and for that reason theyre permanently closing my account I had {$590.00} in my account I can not access my money I cannotI can not talk to a customer service representative they gave me a number that does not work every time I call it it says my account is permanently suspended and the phone hangs up I just want my money out of that account And on XX/XX/XXXX XXXX I got an email saying that my {$590.00} was transferred out of my savings into my main account that is permanently closed and this was done by a bluebird customer service representative I did not approve of that I also tried to call the number on the email it did not work it tells me that my account is permanently suspended and I can not call the for service Instead write them a letter and they gave me a po box that is very unprofessional and Im thinking Ill have to take legal action I had received the deposit from Social Security for {$600.00} thats what they took I put it in the savings which is called a set aside account
Consumer complaint received 2021-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

My name is XXXX XXXX. 

I have a checking account at the HSBC USA ( XXXX ). On XX/XX/XXXX I logged in and realized that many unauthorized payments and transfers were made on XX/XX/XXXX and XXXX. without my knowledge for around XXXX XXXX dollars. 
I reported it to the bank, and they freezed my account. 
Since then I couldnt reach a customer service rep. And no communication received since then. 
I really dont what else to do, my account and my money have been freezed for 2 weeks and nobody from the bank seemed to care.
Consumer complaint received 2021-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (AR)

I've been a Citibank cardholder for nearly 30 years. Over the years, I ended up accumulating multiple cards from Citibank. Recently, in an effort to reduce the number of accounts, I cancelled my cards with Citibank ( and other institutions ). I intended to keep one card open with Citibank, but unintentionally closed all of them. I recognized my error the same day I cancelled the accounts and reached out to Citibank to restore one of the cards.

This began a frustrating, burdensome, and unproductive process of frequently contacting Citibank - always getting an associate from overseas, who provide inconsistent and conflicting information, and who appear to have no information about my account. 

There has been ongoing concerns that Citigroup is too bid to manage, and my experience seems to validate this concern.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXI XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
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: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( XXXX ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CarMax, Inc. (SC)

Good morning. 

I am reaching out to you for help concerning my car loan. I purchased a XX/XX/XXXX XXXX XXXX for {$17000.00} on XX/XX/XXXX. On XX/XX/XXXX, I was in an accident that resulted in a total loss of my vehicle and the driver at fault not having insurance. My insurance company valued my car at {$11000.00} and sent the playoff check for that amount. In the meantime, I was asked if I had gap insurance. Of course I am covered ... ..or so I thought. According to the customer service representative ( XXXX ), CarMax does not offer Gap insurance in the state of SC nay longer. I was unaware of this issue. I thought at the time that I had the proper insurance amounts to cover any losses to my vehicle, even though I was not expecting it. According to my credit union, it is mandatory for most lending institutions to in order to loan money on a car. I bought a new car recently from a dealership in XXXX, SC and the first thing they offered was Gap insurance. While I was not sold gap insurance, the CarMax warranty was pushed really hard, of which I did purchase. 

I had logged in to my account to make sure the insurance had sent the payoff, and I saw that the insurance check had been posted, my account was closed and I had a XXXX balance. The next week, I logged back in because I have another car with CarMax Financial and I was going to make a payment, and I see my previous account has been reopened with a {$2800.00} balance. I called in to see how this happened and I was told that someone had accidentally applied the balance to my account, closed it out, and then it had to be reversed. 

The car is gone. It is totaled. It was the responsibility of CarMax to make sure they at least offered Gap insurance. In the state of SC, it is not an option. This has really caused a lot of anxiety for me. Not to mention, a month after that accident, someone ran a red light, t-boned my husband and I at 70 mph and put us both in the hospital. It resulted in XXXX XXXX for me, a XXXX   XXXX ( that lead to his employer terminating him ) and a XXXX XXXX. Even if I agreed to the {$2800.00} balance, I do not have the means to pay it until we are all healed and back on our feet. I have the information showing where the loan was closed, so I have sent that in to the credit bureaus. However, there needs to be measures put into place to force CarMax to give the customer an option on Gap insurance in the state of SC so that this does not happen to anyone else. 

I have reached out to the corporate office at car max, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and others, with no resolution. I had customer service call me and offer me a payment plan. They are also continuing to charge interest on the balance! There is no car to repo. It needs to be waived because this was a fault on CarMax, not on me. 

Thank you, XXXX XXXX
Consumer complaint received 2021-12-22
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (IL)

Refinanced mortgage with XXXX XXXX XXXX during the process I was instructed not to make XX/XX/2021 payment because I would close in XXXX with new mortgage. Titling agency submitted the payoff past the cut off resulting in a 30 day past due with shellpoint/new rez that was completely out of our control. Received a 30 day late letter from XXXX  agency stating it was not our fault to submit to shellpoint/new rez have now been on almost 3 weeks of constant back and forth with them on getting the letter of deletion for the 30 day past due to get my credit fixed. Never can get a straight answer out of anyone there and keep getting a back and forth yes and no about the letter of deletion.
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: NAVY FEDERAL CREDIT UNION (NC)

Navy federal closed my account after I spoke with a representative before the account was closed regarding Covid and maternity leave. Representative explained to me that I would be able to pay minimum payment but in return my account was closed a day after payment stating the payment was late and sent back but both payments were made.
Consumer complaint received 2021-12-22
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. (FL)

Happy holidays to you and thank you for your assistance. 

It is very hard dealing with this but I will keep being positive to make things right. Being a victim of identity theft is quite embarrassing and I want to make things right. My name is XXXX XXXX, I have enclosed all verification documents of my identity. I am submitting this complain myself from my personal computer. I am fully verified.. I Advised the credit bureau of what happened and this account doesnt belong to me. Other credit bureaus removed it but this one did not. They are supposed to be the same information throughout all reports. Which means this account wasnt verified accurately. I Requested method of verification and was simply ignored. This account does not belong to me. This is unauthorized and needs to be deleted immediately. This has completely ruined my relationships with other institutions. Account needs to be deleted as it is showing as negative derogatory on my credit report and doesnt belong to me. I am receiving many messages with an urgency tone from this company. Which is violating my rights. I did not consent to this account. Fully unauthorized and needs to be removed. Delete the account as requested. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.
Consumer complaint received 2021-12-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO. (OK)

I closed my Chase business checking account around XX/XX/XXXX. The customer service staff confirmed it was closed over the phone. Prior to this, I had moved all my recurring subscriptions to use another checking account debit card at another bank. 

I later received a letter from Chase that my account had been overdrawn which couldnt have been possible seeing as it was closed. Upon researching, I discovered that Chase had not fully closed my account and instead had been charging monthly service fees fraudulently as well as allowing a debit transaction in the amount of {$8.00} on XX/XX/XXXX and an insufficient funds ( NSF ) fee for {$34.00} on the same date. I expected that if there were any online recurring subscriptions that they would be declined since the account was closed. 

On XX/XX/XXXX, I contacted Chase by phone to resolve the issue and I paid {$9.00} which included an additional debit transaction of {$0.00} on XX/XX/XXXX in order to settle the account. Chase had told me they would refund the monthly fees and the NSF fee which they did. They also confirmed the account was closed finally again, however that was not the truth as the next day ( XX/XX/XXXX ) there was another debit transaction which should have been declined and was not. Chase continued allowing the account to remain open and charged another NSF fee and monthly service fee. I have documented evidence that shows deception and fraud from Chase. I previously reported this in XX/XX/XXXX and was lied to in the last correspondence.
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: EQUIFAX, INC. (GA)

I checked my credit report and I noticed fraudulent and inaccurate accounts on my credit report I then proceeded to reach out to the credit reporting agencies to correct these fraudulent and inaccurate accounts but the credit reporting agencies did not correct the fraudulent and inaccurate accounts
Consumer complaint received 2023-01-20
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)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

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 XXXX5 USC 1681 states that I, the consumer , have the right to privacy.

15 USC 1681b states a consumer reporting agency may not furnish a consumer report without my written instructions.
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: Experian Information Solutions Inc. (GA)

I checked my credit report and I noticed some fraudulent and inaccurate accounts and information on my credit report I reached out to the credit reporting agencies to correct the fraudulent and inaccurate information and they didn't correct the information