davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-02
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. (IA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-08-02
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (OH)

Loan agent said my current rate is 5.5 % and I would refi to 3.75 % dropping my payment amount {$150.00}. This was said on a recorded line from the mortgage company Carrington Mortgage. When the closer came out to my house with the paperwork, I noticed the rate was not what the loan agent told me we called the agent and he said he did not remember and I told the closer I wrote it down but I searched and could not find the paper I wrote it on. Days later I found the note. I called Carrington on XX/XX/21 and reported my issue. I want the recorded phone conversations reviewed.
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America is reporting incorrect dates on my closed credit card account, on my free annual credit report on XXXX, XXXX, and XXXX  it shows account was opened XX/XX/2014, now on the XXXX  app on my XXXX, XXXX, and XXXX  it shows account opened as XX/XX/2014 I will attach photos for reference but by law it states i as a consumer will be entitled to a fair and accurate reporting under FCRA and this isnt accurate reporting and as such I request Bank of America to remove this account from all three bureaus for inaccurate reporting
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I dispatched a letter last XX/XX/XXXX requesting the removal of the following items listed below that are UNKNOWN to me. Upon discovering this law today, I learned that as per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are obligated to remove any such items no later than 4 business days. I have previously referenced this in my complaint and I am reiterating it here. 
XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance Owed : {$670.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/2021, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2021-02-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

As of XX/XX/XXXX I sent a certified letter to Midland Fund requesting validation of a debt {$500.00}, Requesting details 1-6 requesting validation. 

XX/XX/XXXX Midland Fund responding stating They were uncertain of what I was disputing, requesting a written explanation and documentation demonstrating any errors. 

XX/XX/XXXX I responded with another certified letter requesting a validation, requesting details. I have yet to received a response validating this account belongs to me. 

This account is still reporting on my credit report and showing negative impact.
Consumer complaint received 2021-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (AL)

As far as I am aware, and due to the receipts I have, XXXX was paid almost two years ago directly before it ever went into collections. I called to request validation of the debt from Convergent on Friday ( the day I received the letter ) and it was then I realized they had blocked my personal cell phone from calling them ( due to the nature of my job ) and I made sure to call from my work phone immediately after to require an employee to hear the message I got on their recorded line. The call was made XX/XX/21 at XXXX CST and I spoke to XXXX XXXX After playing the message to her, she disconnected the call immediately. I decided to call again from my work number to see if it was an accident or if the same thing would happen, it disconnected after 8:55 minutes on hold. 
Not only do I have no knowledge of this debt, this company has made it impossible for me to contact them to pay them even if they validated the debt. I wrote them an email Friday at XXXX and requested validation of my debt including what exact service was being billed within 48 hours, they did not respond. 
I have no means to contact them if they keep blocking my numbers and I am requesting this be removed since I cant pay a company that blocked me. You are more than welcome to require them to provide the call made on the above date at the above time so you can see the proof behind what I've said.
Consumer complaint received 2021-08-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Collections Enterprise, Inc. (MD)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-06-08
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am trying to refinace my home and I have realize that all these damages on my credit report according to the 15USC 1681 law, there should not be any damages on my credit report. It is defamation to my character.
Consumer complaint received 2021-08-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (CA)

Hi, I want to file a complaint against IC Systems XXXX for a medical bill of {$640.00} that I asked a debt validation for. I sent the letter to them on XX/XX/2021 through certified mail and the date that it was received by them was XX/XX/2021 at XXXX. I also requested that they don't report anything to the credit bureaus until this debt was validated and they ignored my request by updating information and reporting this debt again to the credit bureaus, instead of validating the debt. There has been no written communication or validation of debt from this company and it has been over 30 days. Please delete this information from my credit file and cease all collection activities immediately.
Consumer complaint received 2021-08-01
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. (MO)

Im demanding that these fraudently accounts be blocked and removed from my credit file. My idenity has been compromised and reported. Im demanding that the XXXX major credit agenices remove these accounts immediatelty. 

XXXX. XXXX XXXX Bank XXXX. XXXX XXXX {$1700.00} XXXX. XXXX XXXX XXXX. XXXX Bank XXXX XXXX
Consumer complaint received 2019-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been a Bank of America customer for over 27 years. In XXXX of last year my husband passed away. In XXXX of last year an acquaintance of mine stole checks from my home as well as my debit card information. In the following 11 months this person used the checks and the debit card information totaling transactions of approximately {$20000.00}. 
During this time I was not alerted by the bank to any fraudulent activity although it was obvious the checks were not signed by me and the debit card spending was very unusual activity. I became aware of all this in XXXX of this year and to date the bank has not returned my money.
Consumer complaint received 2021-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

This is my second complaint regarding this matter. My first complaint was submitted on XX/XX/2021. My complaint ID is XXXX. I have called Experian and informed them of the inaccurate information that they are reporting on my credit file. I have sent Experian the necessary documentation that they have requested of me. I have not received a response from Experian in regards to my complaint and they are still reporting inaccurate information on my credit file.
Consumer complaint received 2021-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (AE)

I need my card to be activated today! I have been extremely inconvenienced! I have been hung up on multiple times by XXXX. I have been put on EXORBITANTLY LONG WAIT TIMES just to be HUNG UP ON by the NAVY FEDERAL REPRESENTATIVES! The supervisor, XXXX, DID NOT listen to me as a valued customer! I was told that my card would be temporarily activated by a specialist named, XXXX. Then I was transferred to XXXX, who put the restriction on my card! XXXX, then said I will have to wait 24-48hours for it to my email to be reviewed!! How am I suppose to eat without having access to my debit card!! I am extremely upset and dissatisfied with Navy Federal Credit Unions customer service!! I will submit the letter! However, I need my card today!! This is ridiculously unforeseen circumstances!! I have been banking with Navy federal for years and this is my first experience be so neglected by this company that is suppose to be for service members and their families!! How can this issue be resolved? I am requesting XXXX, the Supervisor, be put under investigation!! I spoke to XXXX, XXXX, XXXX, and XXXX! Who all neglected me as Navy Federal Customer!!
Consumer complaint received 2021-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Entered into a forbearance due to financial difficulty with XXXX XXXX  XXXX XXXX card and its showing late 30 days but according to thr cov19 relief plan it shouldnt show late at all because its not this has not been corrected.
Consumer complaint received 2021-08-01
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (UT)

This is my second complaint. My first complaint has still not been addressed but the complaint was closed. Freedom Mortgage has failed to communicate consistently and correctly involving my covid 19 forbearance. I still have not heard back from their representative that was following up after my first complaint. She said she was going to call me back and never has. Valuable time is being wasted. Today XXXX, I emailed XXXX XXXX that I have not heard back from someone and need someone to call me to help exit forbearance. She emailed back saying she has cancelled my request for a Covid 19 forbearance extension, I did not ask her to do that and do not want that! I need to work with somebody from their team that can consistently work with me and help me find a way to come out of forbearance that does not affect my chances of refinancing in the future and does not cost me more money in the long run had I never gone on forbearance. I do understand my 6 months of missed payments and they interest it would have accrued needs to be paid. I am uncomfortable with making any changes that will have me paying more than that in the long run. I can afford my current monthly payments and have been paying again since XXXX. They have given me a new XXXX XXXX but I can not reach her at her extension, the call just hangs up. I need COVID 19 forbearance protection still until we can come to an agreement on exiting forbearance that meets the qualifications above, which is what I was told before going on forbearance by Freedom Mortgage and the only way I was comfortable going on forbearance.
Consumer complaint received 2021-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to the credit reporting agencies. To this day over 60 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been well over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have been compromised.
Consumer complaint received 2021-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRSTBANK PUERTO RICO (FL)

If you refer to my complaint XXXX, I indicated that First Bank Puerto Rico made several failed attempts to pay my hazard insurance from escrow as they are required to do so. Once of their checks to the insurance company was returned because they issued a stop payment because they thought the check was lost and decided to pay by corporate credit card due to the fact that my insurance lapsed. 

To add insult to injury, they are imposing a NSF fee of XXXX for THEIR returned check. Not a check I sent. 

I have attached the letter regarding the NSF fee and escrow transaction history indicating the failed attempts to pay insurance, the credit card payment and THEIR returned check that they sent from my escrow. 

As you also may notice, I have several complaints against First Bank Puerto Rico and also counted 68 complaints, some very similar in nature from other consumers. To that point, I ask what is the role of CFPB because don't see any sanctions or penalties from any of my complaints or the 68 others? 

Does the CFPB really " protect '' the consumer? It appears that the CFPB is allowing First Bank Puerto Rico to abuse many consumers including myself with their sheer incompetence.
Consumer complaint received 2021-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NH)

This is in reference to dispute XXXX. On XX/XX/XXXX I purchased XXXX XXXX thermostats from XXXX for a total of {$3900.00}. I immediately sent these back due to damage. On XX/XX/XXXX I received a refund of {$3900.00} for this purchase and the merchant notified me via email they had received the returned products. On XX/XX/XXXX a charge of {$3900.00} posted to my card as home depot reversed the refund that was issued XX/XX/XXXX. The activity on the card showing the initial purchase, refund, and refund reversal is included in this document for reference. Also included in this document are the return receipts for the XXXX XXXX. I can clearly prove the items were returned. However, my account does not currently reflect that I have received credits for the returned items as the credits originally given by the merchant were reversed. I do not have any items from Home Depot and I am owed a refund for the returned items. Please reopen this dispute given this information. Thank you
Consumer complaint received 2021-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (DC)

I have been a Citi credit card customer for 28 years. I have an active, recurring monthly charge on the card. Today ( XX/XX/2021 ), I tried to log into the account to see if the new monthly charge had come in. I see a message that says that the account is closed. I call Citi and they say that they sent me an email ( one only ) on XX/XX/2021 notifying me that cards without a US address would be closed on XX/XX/2021. I have two addresses on file, one overseas and one in the US, as I am back and forth between both countries. Citi confirms to me on the phone that they see the US address and notes that I had even updated it in XX/XX/2021 from one state to another. Yet, they still closed my account. They inform me that they will need to run another credit report to open my account ( closed for exactly one day! ) and that it will take 5 business days ( starting Monday as today is Saturday ) for them to investigate my address (!?! ). I tell me that my one monthly recurring charge will be booked in the next five days and ask for a solution. They tell me that I will just have to contact that company and have the charge booked to another credit card. There is so much wrong about this whole story ( only one email notice, a policy that would not seem to apply to me, lack of effort / empathy to offer a solution to a long term customer ... ), but it is just bad PR for the bank.
Consumer complaint received 2021-07-26
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. (NY)

A person has attempted to use my personal information to open accounts in my name. I don't know who did this or how they got my information. This is fraud and I have attached the identity theft report that the customer service told me to send in to have this information deleted.
Consumer complaint received 2021-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

A corporate manager contacted me. I could not, for the life of me, understand how he was pronouncing his full name! My XXXX XXXX couldnt even transcribe the voicemail. This man never returned my phone call ( s ) to help me resolve anything! Hes honestly XXXX, XXXX and frightened of my XXXX XXXX XXXX. Thats discrimination! And yes, after anymore days and nights go by, I told this man to XXXX  himself! Umm hmm! Id do it again too! Corporate XXXX! XXXX  about Bank of America. I cant go into one ever again? OH NO! Ill try to pick up the pieces of my life. I mean there must be support groups for people whom were rejected by crappie banks? B of A PLEASE!
Consumer complaint received 2021-08-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (CA)

We cancelled the contract as we never took delivery of the piano. The company XXXX XXXX now owned by Synchrony Bank did not cancel the contract when notified by the vendor XXXX XXXX for three weeks. This is also after I spoke with a customer service rep and told them I did not take delivery and to cancel my payments. I cancelled the aagrement in the end of XXXX after making the XXXX payment. I was told that since I had a an autmatic payment they had to take the payment in XXXX as well. Then after accepting the cancelled contact they as if today have not sent me a check for the payments we made before and after the cancellation which they continued to take. I have repeatedly asked to speak to a supervisor, and no one has ever called back. I am told they mailed a check from XXXX XXXX on XXXX and it should take up to three weeks for it to be received in XXXX XXXX. It is over three weeks I have not received my money back, and have had zero communication from anyone in authority. 

UPDATE - Last night ireceived the check which was drawn on XX/XX/XXXX as I was informed but the postmark on the envelope shows the check was mailed XX/XX/XXXX. they delibetrately held the check for over three weeks before sending it to me.

I am fortruantely in a position where the money was not needed, but I am writing this specifically that they should be sanctioned or otherwise investigated as this is obviously a policy of the banks. As I was repeatedly told it takes up to three weeks from when it is mailed to arrive. They have conditioned their customer wservice people to use this line over and over as I have heard it for the last three weeks on numerous occasion.