davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GB Collects, LLC (AR)

I received a letter from GB collects stating they were about to take unknown action against me for a debt not owed. This letter was dated XX/XX/XXXX but I did not receive it until XX/XX/XXXX. They have flagged me with owing a debt that I do not owe. This account was cancelled by the acting agent for XXXX insurance in XXXX, XXXX. XXXX insurance was the XXXX they provided and I could no longer afford their insurance. I contacted the agent and gladly cancelled the policy. XXXX XXXX has now apparently been assigned to this file for unknown reasons. The account was cancelled and I have a very threatening letter to prove this.
Consumer complaint received 2021-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION (TX)

I have been trying to dispute this cc for some time now, this is not my CC it has a balance over XXXX. I am a victim of identity thief. I called the company as well as the Credit bureau, and nothing have been done. This account has ruined my life as well as my credit.
Consumer complaint received 2021-01-15
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. (UT)

I defaulted on my student loans, but paid them off with the Department of Education in XXXX. 

As a side note, after I paid the balance showed as owed, I had to go back and pay 3 more times, because they kept charging more money. The final payment I made was this month in the amount of {$1.00} to make sure it was paid as they added another charge for less than a dollar. 

There are now 4 references to the same loan. I tried to get the XXXX and XXXX accounts removed as duplicates and I can not get the credit bureaus to delete them to reflect only 2 accounts with the Department of Education.

The duplicated accounts have dragged my scores down much further than they should and because of this we are stuck living in a hotel with 4 young children because we can not qualify to rent anywhere or get a mortgage. 

I paid to these, they should only be referenced for the paid accounts. I need them to remove these duplicates immediately. 

This is double damage/double jeopardy and I should not have to pay an agency to fix this, they should remove it to reflect only the 1 debt, not multiple.
Consumer complaint received 2021-01-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Last Four *XXXX {$960.00} XXXX XXXX XXXX Acct XXXX # XXXX Police Report # XXXX *Fraud Affidavit Attached* Dear CFPB, I am contacting you all, because I do not own the XXXX XXXX  XXXX account that was taken over by Portfolio Recovery. I have been having issues disputing this matter. I decided to contact Portfolio Recovery directly and disputed the accounts on the XXXX of XX/XX/XXXX. I understand that COVID had delayed responses, but it should not take 90 days. The turnaround is usually around 30-45 days. When I called on XX/XX/XXXX. I was told that I was not going to be reached until XX/XX/XXXX. I was promised 30 days from XX/XX/XXXX. When I called on XX/XX/XXXX, I received a promise date of XX/XX/XXXX from representative XXXX XXXX It does not sound like a valid investigation turnaround. I received a follow-up letter with proof of ownership of the account. I was sent the final bill. The final bill does not give me clear proof without original beginning documents. I would like to know where the card was sent & payment history. 

I recall being contacted in XXXX. I denied the account then. When reached once the account was taken over, I denied the ownership of the account. I just updated the company with my number for a follow-up call in the last week or so. 

The document that I received from Portfolio Recovery on XX/XX/XXXX was not viable proof of the debt owed. There are no detailed charges on the document sent. 

After speaking to XXXX XXXX  and filing a claim on XX/XX/XXXX, I have been promised investigation results in 7-10 business days and was told that a representative may be giving me a call before the end of the investigation. The first rep I had spoken to is XXXX. I do not recall the 2nd rep. 

Best Regards, XXXX XXXX XXXX
Consumer complaint received 2021-01-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been consistently trying to get these inaccurate items removed from my credit report! My family and I have been a victim to this madness for sometime now. These items are clearly in violation of the FCRA. My family and I have already been stressed and struggling due to COVID now things are becoming worse simply because we are no able to apply for credit because these inaccurate items that are being reported has been causing our scores to drag which results in constant denials for credit. Please help resolve this ISSUE. I am in the process of seeking compensation for my troubles if these issues are not resolved immediately.
Consumer complaint received 2023-06-23
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. (IL)

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 : # 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 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 2020-11-11
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. (MD)

I sent a letter to Equifax well over 30 days ago to inform them of the inaccurate information they are reporting on my credit report. I have yet to be updated in any way, shape or form and I am beyond frustrated.
Consumer complaint received 2023-01-23
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. (NY)

The list of account below have violated my Federal Protected Consumer Rights, to privacy and confidentiality under. 15 USC 1681. Which is under the Fair Credit Reporting Act. 

( XXXX XXXX ACCOUNT # : XXXX. / ( XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # : XXXX. / ( XXXX XXXX ) ACCOUNT # : XXXX / ( XXXX XXXX XXXX XXXX  ) ACCOUNT # : XXXX. Has violated my rights. 

U.S. Code 1681 Section 602- ( a ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy U.S. Code 1681 Section 604- ( a ) ( 2 ) it also states a consumer reporting agency can not furnish account with out my written instruction U.S. Code 1681 Section 605- ( b ) ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18 U.S. Code 1681c - ( a ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

U.S. Code 1681s -2 ( 1 ) ( a ) Reporting information with actual knowledge of errors 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 2021-01-15
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. (TN)

Name : XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Address : XXXX XXXX XXXX, XXXX TN, XXXX Information belongs to someone else ( identity theft, fraud, error ) Identity theft report filed XX/XX/XXXX in reference to account number XXXX associated with XXXX  XXXX XXXX  XXXX ( XXXX XXXX ) that's reappeared on my credit reports ( XXXX  , Equifax & XXXX  ). This account has already been removed from my credit reports once before and has negatively reappeared. The same documentation that I'm sharing will be used against the creditor in court because I'm seeking legal action and starting a civil case XX/XX/XXXX. I'm seriously fed up with going back and forth stating that I am not liable for the account, I can't help that my personal information was obtained and stolen ( Emails, Phone Numbers, Addresses etc. ) The information associated with the account number above-mentioned doesn't match with my exact personal information, it has the wrong addresses, phone numbers except for my old email that I don't have access to anymore that was hacked years ago and the reason XXXX is associated with the Consumer Financial Protection Bureau is because I created an online account with them every since I had created the email before it got hacked and stolen. That's not my email anymore though
Consumer complaint received 2023-01-23
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received a fraudulent charge of {$80.00} on my Capital One credit card. I let Capital One know- I HAVE NEVER RECEIVED GOODS/SERVICES for this fraudulent {$80.00}. 
Expecting me to cave in and pay for something I have never received, they corruptly charged interest on this item, which is now {$190.00}. 
I will fight to the end for what is right, on this fraudulent charge. 
I never received these goods or services and will not pay for something I never received. 
Capital One is a corrupt bank and the world needs to know about them.
Consumer complaint received 2021-01-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (NJ)

Hello, Today is XX/XX/2021. 
I am trying to pay XXXX XXXX XXXX my mortgage payment, but the phones are disconnected and the website will not let me access my acct. 
I have recently done a loan modification and this is my 2nd payment with the loan modification payment. 
I don't know what to do. 
Thank you,
Consumer complaint received 2021-01-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Franklin Collection Service, Inc. (IN)

I called Franklin Collection Services XX/XX/21 I spoke to Unit Supervisor - XXXX XXXX Threatened to report me as refusal to pay and make sure it stays on my credit report as negative. Refused to let me speak and voice my concern about this report. XXXX was rude and told me it wasn't her problem. The efforts of my call were for debt verification and she told me she would not help me with that.
Consumer complaint received 2020-03-11
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. (AR)

I wanted to start building my credit because I am getting close to the age were I am going to start wanting to purchase big things. I been applying for several different credit cards and I been getting denied from each one. I received a letter in the mail from the most recent credit card I applied for stating that I was denied because of derogatory items. I was confused because I have never even applied for much items and the one credit card I had paid for it and had the account closed. I decided to pull my credit and there are a couple of unknown items that do not belong to me. Please remove these fraudulent items from my report. I have been a victim of identity theft.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DE)

I have reached out to XXXX a few times to request the following information be remove from my credit profile. This information is erroneous and is causing an adverse affect on my profile. This account has been written off as a bad debt by XXXX XXXX XXXX IRS this considers income, income should not be reported on a credit profile. This account has also been reaged which is a direct violation, and by law I have a right to pursue legal action for damages. Please remove the following account below for the above stated reasons : XXXX XXXXXXXX # XXXX
Consumer complaint received 2021-01-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo mortgage paused my mortgage payments without my consent and reported me to the credit bureaus. 

In XX/XX/XXXX, I called Wells Fargo mortgage customer services with a question on the property tax escrow in mind. I followed the automated prompt and chose the most appropriate option for my question, the I heard a prerecorded message saying I was enrolled in a 3-month forebearance program. I didnt know what a forebearance was so I hang up and called again. I got the same message so I gave up on calling. 

Months later, I realized the auto draft of my mortgage payments did not go through. This had never happened before since I had kept a balance of at least {$200000.00} in my bank account. I never paid attention to this draft since its been running smoothly for 6 years without any incidents. 

When I found out about it, I paid off the 2 missed payments. Later I decided its not worth the hassle, so I ended up paying off my mortgage. 

In XXXX I found out my credit score had dropped dramatically. I downloaded the report and saw that the two missed mortgage payments were the culprit. I started calling Wells Fargo mortgage. I called 4 times between XXXX and XXXX. I spoke to 5 departments and 8 representatives. 

The last two calls I was able to reach the executive office and they assigned a case manager. On my last call with the case manager she started lying to me about unable to reach me. I started telling her how many times Wells Fargo had lied to me about not knowing about the forebearance they put me on. 

This is not the first time that Wells Fargo had conned me. In the fraudulent case when Wells Fargo pressed their employees to steal identifies and open accounts for phantom customers, I was one of the victims. I never set foot in any Wells Fargo bank but was informed that they had an account in my name. I was then compensated a little money to close this account. 

So this case manager stated that they had never put me on a forebearance plan. Which they did and that caused the two payments not being able to go through. But they not only denied that but also reported the missed payments to credit bureaus and hurt my scores. 

I started researching if this is a common practice and found there are many other victims who have been suffering from the same problem Wells Fargo caused. Here are some links to class law suits : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (OH)

I have been using chase bank for over 10 years. I went into my local branch and met with a banker about opening a credit card that had a 0 % introductory interest rate on balance transfers. The banker recommended the freedom unlimited card, saying it will will have 0 % interest on balance transfer and all purchases for 12 months. 2 months later I am getting interest on the balance transfer, which was the only reason I opened the card. So I call the customer service 1800 number and they tell me the interest is correct and the banker was wrong. They say there is nothing they can do and that I should go and talk with the banker. I schedule a meeting with the banker. Upon meeting with him he is perplexed when I tell Im about the interest charges. He makes some calls to corporate and they inform him that they just changed the card to exclude balance transfers on the introductory 0 % interest rate. He tells them that the information he pulled up on the card and the disclosure signed show N/A for interest rate on balance transfers during the introductory 12 months. They say there is nothing they can do. Ultimately neither corporate nor the branch manager made things right and I am still being charged interest.
Consumer complaint received 2023-01-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FRESNO CREDIT BUREAU (CA)

-- -- -- -- -- -- -- - Original Message -- -- -- -- -- -- -- - From : XXXX XXXX [ XXXX ] Sent : XX/XX/XXXX XXXX XXXX To : XXXX Subject : Re : Case Has Been Opened ref : XXXX : ref Patient Name : XXXX XXXX XXXX For case on Date Of Service : XX/XX/XXXX Date of Birth : XX/XX/XXXX Account Number : XXXX After speaking with your department on the phone today, I am forwarding my most updated Explanation of Benefits for you to update the account record. 

This is supposed to result in a positive account balance of {$40.00}. Please have the remaining amount paid back with check in mail. 

Also, please update this with the debt collection agency to dismiss the case. 

I appreciate your help. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This above is the detail of the communication with the original creditor, XXXX XXXX. 

The original balance {$230.00} was incorrect. And I have supplied the updated health insurance EOB showing billable of {$33.00}. While I have already made {$74.00} to XXXX XXXX on the day of service, XXXX XXXX has now calculated the correct balanced to be ( $ XXXX ). 

And, in fact, this case is already resolved between me and XXXX XXXX. A payment of {$40.00} is already send to me on XX/XX/XXXX. This should be the end of the billing case. 

However, Creditors Bureau USA ( XXXXXXXX XXXX XXXX XXXX, CA XXXX ) has been harassing me to try to collect {$230.00}. They did not do their due diligence on obtaining the updated and accurate debt information with original creditor before pursing on me. The last harassment phone call was on XX/XX/XXXX XXXX. 

They have now threatened to put my record to credit report.
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MI)

FINANCIAL TERRORISM! 
HUGE, I MEAN REALLY HUGE CLASS ACTION : SENDING EMAILS TO AS MANY CLASS ACTION LAW FIRMS AS I CAN, POSTING ON SOCIAL MEDIA EMAILING SENATORS ETC.. with proof.

USAA Complaint : refuses to provide a full accounting of the Balance they allege I owe. Like all the statements from XX/XX/XXXX, which is the date USAA claims the account opened. I have no way to legally challenge the amount without the complete accounting and they know this. I have been trying to get this information for years, requested 5 times to date. ( 9 Violations ) I am also disputing the date of last activity of this account. USAA has been reporting the date of last activity as XX/XX/XXXX. This is not accurate, the date of last activity was XX/XX/XXXX. Meaning USAA has continually verified all information as being accurate when in fact it was not. ( 12 Violations ) USAA also reports this account as a recent charge-off ( CO ) every single month since it was initially charged off in XX/XX/XXXX, misleading potential creditors. ( 162 Violations ) RETALIATION & FRAUD : USAA has been deliberately causing harm to me in retaliation by re-reporting this account as a charge off every single month for the last 5 yrs. By doing that, creditors and the credit bureaus score this account as being newly charged off, which drops a person 's score far more than an account that was charged off 5 years ago as this was. 
Previously, once an account is Charged off ( CO, the following months would be reported as NR= ( Not Reported ) I have discussed this fact with 3 separate underwriters in the Mortgage industry. USAA does this to cause deliberate harm and this method was approved by their CEO XXXX XXXX and likely other board members. USAA literally creates a command for charged off accounts to continue to report each month, as a result my credit score is over 100 pts lower than what it actually should be. 

Note : I have dozens of examples how previous charge offs were reported with myself, family members, friends and relatives. I have spent dozens of hours researching others who have had charge offs in the past. 

What is their motive, everyone makes more money when borrowers have lower credit scores. The banks can charge more, so can insurance companies, and all financial institutions. Further, it forces Americans to purchase credit bureau memberships, just a few of the motives.
Consumer complaint received 2020-11-11
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (OH)

On approximately XXXX XXXX I applied for an FHA Mortgage with XXXX XXXX Itold them everything and sent all my documents to them. I told the loan officer that I was self employed he insisted that I was a W-2 employee. I do receive a w-2 because I am a XXXX  employee Box XXXX  is marked on my w-2 that says that. And what that means is they can deduct social security and XXXX  tax.Well everything was approved and they wait unil the last week that we are suppose to close on the loan and asked for paperwork which I gave them. They were under contract to close XX/XX/2020. I received closing disclosures and signed them. 24 hours before we are to close on the loan they can not get employment verfication well of course not because i am an independent contactor which I told them in the beginning.Long story short i didnt get the house, my real estate lost a sale, and the owner has to relist his house.Also their closing costs are way too high {$12000.00}