davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-16
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Professional Mitigation Services, Inc (VA)

This complaint is against XXXX XXXX who works for Professional XXXX XXXX XXXX in XXXX Florida. Mr. XXXX became involved XX/XX/XXXX to help resolve a dispute we had with XXXX XXXX. XXXX XXXX put a new roof and siding on our home in XXXX after a hail storm. They did not complete the job as promised with many punchlist items left ( debris etc ), put the wrong color roof on and performed shoddy work on the siding ( siding started falling off within a year ) as well as wrong size downspouts etc. For this reason, we did not pay the remaining {$19000.00} of a {$55000.00} job. They contacted Mr. XXXX who negotiated a settlement in XX/XX/XXXX between us and XXXX. We agreed to pay almost all of what was owed and we set out a payment schedule. There was nothing signed other than an email from us agreeing in the email to pay the monies and to make every attempt to pay within the time period we set out. We made the 1st several payments in a timely manner but had trouble paying the remaining {$2400.00}. We emailed Mr. XXXX that we would pay {$1200.00} asap and the remaining {$1200.00} within 2 weeks. That is when Mr. XXXX emails became threatening. He threatened legal action on us if we did not submit payment in full within 24 hours. I reminded him that this was a payment schedule that we came up with and we never signed anything stating that we had to pay in full by that date. His emails became more XXXX and when I suggested that I may file a complaint against him, he became very angry and said that we were in breach of contract and that he was going to file an immediate lawsuit. My husband and I both then took time off work to scramble and come up with the full payment ( which negatively affected other financial obligations ), which we then sent that day to Mr. XXXX after which we never heard from him again. In addition, Mr. XXXX repeatedly called me on the phone between XXXX and XXXX even though I specifically asked him to email so as to keep a record of the conversations. In his phone calls he threatened legal action ( even though we made it clear from the beginning that we had every intention of paying but felt the amount we owed was too high based on all the shoddy work ). I will attempt to attach the email chain between myself and Mr. XXXX. Thank you.
Consumer complaint received 2020-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY (TX)

Can a bank ask me to send them a copy of my social security to verify my identity in the application process for a credit card? 
After applying for a Wells Fargo Bank credit card, I received a letter in the mail asking me to send them a copy of my Social Security to verify my identity or my application would be denied. Due to the sensitivity of this information I see myself in the need to ask if this is legal because in many opportunities the community has been warned not to deliver this information to any agency and I have many credit cards and this has never happened or is it such I am facing a XXXX activity due my name.
Consumer complaint received 2021-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FLORIDA HOME TRUST MORTGAGE ()

The bank Facebank, since XX/XX/XXXX, has decided to freeze my funds ( {$2700.00} ) without notifying me of the product of this action, internally they do not handle the same information for my case, both the Call Center staff and the Account executive do not know be accountable for what happens. 
I have endured all my movements and operations and to this day I have no information or solution to the case, I don't even know what is the cause of the withholding of my funds. 

It is very striking that the funds according to the bank are frozen and on the bank 's website they appear as available and incidentally it was possible to carry out an exchange rate operation with a commercial ally of the bank ( XXXX  ) and then they made the decision to reverse the operation already released generating chaos in the payment platforms and reputational and monetary damages with those involved in the operation, that is, there is a significant security gap and coherence of the information in this type of reconciliation or direct debit transactions. It is important to note that the exchange operations between Facebank and XXXX largely come from previous operations of the cryptoactive type. 

The worrying thing about this case is that the bank has not ruled with any type of information about this case, leaving the account holder clearly affected with all his commitments. Another worrying and misinformation element is that the terms and conditions that were once accepted by the bank 's holders are no longer available on the bank 's website and are not known to the call center employees either. This clearly makes it difficult to follow up on the current situation and I believe that legally this information should be at the hand of the bank 's owners. 

the bank 's website is : https : //facebank.pr/ and today XX/XX/XXXX it can be seen that the bank 's terms and conditions are not available for its holders or account holders.
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

This was fraudulent accounts open in my name i contacted the original creditors and i was told they did not report this to Equifax on XX/XX/XXXX XXXX i wrote to equifax to have these fraudulent accounts removed on my credit. they wrote me back saying these accounts came back verify as mine? 

Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX  XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$61.00} Amount {$61.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments MEDICAL Contact XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXX  PA Date Assigned XX/XX/XXXX Original Amount Owed {$54.00} Amount {$54.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments MEDICAL Contact XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX ( XXXX ) XXXX
Consumer complaint received 2021-06-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I submitted a PSLF form in XX/XX/XXXX I called XX/XX/XXXX Fedloan said they were still processing and were waiting from Federal Student Aid for Employment certification. I contacted the Federal Student Aid and was told that was not true in fact Fedloan handles all ends of the certifications. 

This created distress and further anxiety as I never know what form will work for them.
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

Experian refuses to acknoledged my dispute. expect me to except there form of verification without proof. Enclosed are two reports both reports are direct result from a dispute i opened on XX/XX/XXXX with a completion date of XX/XX/XXXX, The Statuse update shows XX/XX/XXXX completion Experian did not notify me, by mail and that the information was only available online. I checked and the status update was listed as XX/XX/XXXX. My dispute was to vaildate and UPDATE correct information. NO UPDATE was given. I called and after hours on the phone. they posted another update but the status update was still the same with a comment that a balance is due an updated as of XX/XX/XXXX BUT still showing a status update as of XX/XX/XXXX. Unless Experian are time travels the status was updated on XX/XX/XXXX and a statement was added on XXXX. That is illegal to add the statement to an already exsisting update and telling me it was validated when on there own website it clearly states a contradiction. the statement is false and unverified. 

I called on XX/XX/XXXX to try to resolve the issuse and I told the representative I AM NOT calling to dispute. never the less without my permission another dispute ws open. My monitoring systems alert me of dispute and I called then IMMEDIDATLY, without doing a proper investigation the dispute was completed on the same day, which is also a violation of my rights. I enclosed a full detail letter along with both copies of report.
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Consumer complaint received 2020-03-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation (PA)

This is the second complaint I've had to file because my intial one was closed. I experienced a temporary hardship that caused me to fall behind on my payments and have me with a past due balance of {$1400.00} and threats of repossession. I filed a complaint a few weeks back and was told that they couldn't help me because they thought I had an " ongoing '' hardship and an extension wouldn't solve the problem. My wife then called them and explained it was a temporary hardship and I am now able to make my monthly payments, I just need help with the past due. She was basically told that an extension still wouldn't be given. So why they made a point of differentiating between temporary and long term hardship in the last response is beyond me. My wife was advised to call this week and set up an arrangement to pay the entire past due. 

That is something we are unable to do! And now with work shutting down for weeks due to the coronavirus and facing a TEMPORARY loss of income again, I'm hoping CFPB can help me set something up with them. I can make my regular payments, even with the covid-19 shut down, I can make the regular payments, but I need help with this backlog. They are one of the only companies out there that I know of refusing to do anything amid this crisis. To be clear I can continue to make my regular monthly payments. I just need an extension for the past due. Will also be filing a complaint with XXXX.
Consumer complaint received 2022-12-31
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX  : # 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 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc. (CA)

Consumer complaint narrative I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2022-12-31
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: Experian Information Solutions Inc. (UT)

XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, EXPERIAN, AND CREDIT REPORTING BUREAUS ARE ALL REPORTING FRAUDULENT CHECKING AND A CREDIT CARD IN MY GOOD NAME. 
I NEVER AUTHORIZED ANYONE TO OPEN THESE ACCOUNTS. 
I DON'T HAVE ANY KNOWLEDGE OF THESE ACCOUNTS REPORTING IN MY NAME. 
I HAVE DISPUTED WITH THESE COMPANIES WITH NO RESPONSE, AS WELL AS REPORTED THIS TO THE FEDERAL TRADE COMMISSION.
Consumer complaint received 2021-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

There are XXXX accounts on my credit report that do not belong to me I have not applied for these or signed or used these I disputed these with the bureaus starting XX/XX/2020 and opened an FTC for these accounts but nothing has been done to help me out in order to remove these from my account. 

XXXX XXXX XXXX Acct # XXXXAmt {$0.00} XXXX XXXX Acct # XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX Acct XXXX XXXX {$0.00} XXXX XXXX, N.A.- Acct # XXXX {$0.00}
Consumer complaint received 2020-03-17
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. (GA)

I feel I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Consumer complaint narrative I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2021-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I asked Capital one to reduce the interest rate but they couldn't. So I paid the balance off {$6100.00}. Now they are saying I owe an interest amount of {$58.00} but I asked for a pay off amount to close the account .He didn't tell me that there would be more interest to pay on later or help by asking when I would pay the amount to not accrue more interest money. XXXX who we called and talked to, couldn't or not willing to help us because of contract agreement, even though we wanted to pay it off.
Consumer complaint received 2020-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has not returned by overpayment of {$720.00}. I have contacted twice over the last 3 weeks. They promised to return money back to original payment account. 

I have not received money. 

They shut down my Bank of America Alaska  Card Account on XX/XX/20 without my consent and still no confirmation of money back. 

I do not know what else to do.
Consumer complaint received 2020-03-17
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$730.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$730.00} -This is not my account.
Consumer complaint received 2022-12-31
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. (UT)

XXXX XXXX XXXX COLLECTION, XXXX XXXX, XXXX, EQUIFAX, XXXX, AND CREDIT REPORTING BUREAUS ARE ALL REPORTING FRAUDULENT CHECKING AND A CREDIT CARD IN MY GOOD NAME. 
I NEVER AUTHORIZED ANYONE TO OPEN THESE ACCOUNTS. 
I DON'T HAVE ANY KNOWLEDGE OF THESE ACCOUNTS REPORTING IN MY NAME. 
I HAVE DISPUTED WITH THESE COMPANIES WITH NO RESPONSE, AS WELL AS REPORTED THIS TO THE FEDERAL TRADE COMMISSION.
Consumer complaint received 2020-03-17
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$730.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$730.00} -This is not my account.
Consumer complaint received 2022-12-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2021-04-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (NJ)

On XXXX, XXXX, after I pulled my credit report, I found out multiple accounts that did not belong to me, right after doing my own research, months later, to be exact on XXXX, XXXX, I submitted my first dispute to the credit bureaus, after about three weeks a received replies from them requesting me to file a Identity Theft Police Report, so I did. On XX/XX/XXXX I filed my Police Report, with the report in my hands, on XX/XX/XXXX, I started my dispute journey but this time I included my Police report. I did not send my disputes to the credit bureaus very often, since I am always busy, but so far since that time to date, I have submitted my package of Identity Theft at least four times. 
Unfortunately, I recently received multiple collection letters trying to collect on alleged debts that I really do not have any idea of. One of those collection letter is the one with RADIOUS GLOBAL SOLUTIONS, LLC.