davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-02
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. (NC)

This is referencing a previous dispute for an XXXX Acct ending in XXXX, also from a previous CFPB Complain # XXXX and most recent equifax dispute XXXX XXXX. 

So currently this is XXXX dispute for same errors which still have not been corrected by Equifax which seems to be impossible when i have supplied invoice and payment records directly to equifax, which continues to state they have verified information for the acct ending in XXXX as correct. 

# 1 acct showing as open and was closed by creditor on XX/XX/XXXX but eguifax still showing as open.. 
# 2 Equifax shows the acct late for XX/XX/XXXX, i previously supplied invoice from XX/XX/XXXX showing payment due {$84.00} by XX/XX/XXXX, and show acct statement for XX/XX/XXXX showing a payment of {$84.00} made on XX/XX/XXXX which means there was no late payment in XX/XX/XXXX. 

Which means equifax is not doing a real good faith investigation, considering i have supplied supporting documentation for the past XXXX disputes but equifax has failed to remove the errors, or delete the inaccurate information. 

So being this is my XXXX dispute of the exact same errors, i want this acct removed from the report considering there was a 30 day period for them to correct these errors and some of these investigation have been closed as soon as 2 weeks by equifax.I am currently being told i should seek legal representation because even with the evidence i keep providing equifax fails to correct these obvious errors, so i want this to be on record for future litigation, so i am documenting i have tried XXXX  times to get my credit report corrected, since i am being turned down for credit because of the inaccurate payment data on acct for XX/XX/XXXX.
Consumer complaint received 2022-06-02
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: Experian Information Solutions Inc. (MD)

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

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

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not 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 and purpose.
Consumer complaint received 2021-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

I had two accounts with Capital One that I have had for years. Each account balance is paid in full every month, but I don't often use them. Usually owe nothing. On XX/XX/2021, I closed both of these accounts. One account had a balance of {$100.00} and the other card had a balance of {$34.00}. I immediately paid both balances and asked for my rewards to be paid out as cash. 

Three days after closing my accounts I received a bill in the mail that I owed {$100.00} on the one account. In the interim, I also received an email from Capital One stating that the accounts were closed and I still owed balances as stated above. I immediately called and paid the both bills over the phone. My bank deducted these amounts TWICE, once on XX/XX/XXXX and again on XX/XX/XXXX. 

I called Capital One and who confirmed that YES both accounts had been paid in full, twice. They now owe me {$100.00} and {$34.00}. I was told I would be receiving a refund. 

I am now receiving DAILY emails from Capital One that my account payment is late and I owe this money, yet again. I again contacted Capital One and was assured this was their error but I will continue receiving dunning notices. 

Please investigate. They are ruining my credit. 

Thank you XXXX
Consumer complaint received 2021-02-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates (GA)

On XX/XX/2020 I sent Credit Bureau Associates a debt validation letter, in which they received on XX/XX/2020 at XXXX XXXX requesting debt validation for two collection accounts they are actively reporting on both my XXXX and XXXX credit reports. They responded with a vague billing summary that did not include any information to validate the debt. The amounts do not match the amount reporting on my credit reports, there is no breakdown of fees, as well as having a line at the bottom of the billing summary which states, " Total Charge Outstanding as of XX/XX/2020 {$0.00} '' ( the {$0.00} amount is listed in all three payment columns ). I subsequently followed up with another debt validation on XX/XX/2020, in which they received on XX/XX/2020 at XXXX XXXX. To date they have not responded to my request. By not responding and not validating this alleged debt Credit Bureau Associates have not only violated my rights under the Fair Debt Collection Practices, but also violated my rights under HIPAA.
Consumer complaint received 2022-06-02
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN PACIFIC MORTGAGE (CA)

In XX/XX/XXXX, I entered into a sales contract to purchase a home in XXXX, CA with my VA entitlement. The sales price was {$390000.00}. During the process, I was told that the seller had some liens and in order for him to pay them, we had to lower the sales price to {$350000.00} and then the seller would carry a second mortgage in the amount of {$40000.00}. I am a first-time homebuyer and didn't understand what was going on and put complete trust in my realtor and mortgage lender. I followed their direction. The transaction closed in XX/XX/XXXX and that is when I realized that I also had to make payment on the XXXX mortgage. The combination of both mortgages was more than I could afford. 
I subsequently contacted a HUD approved housing agency. They are helping me with this complain process. My XXXX is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX HUD # XXXX ) and he is writing this complain for me. 
It appears that the mortgage lender ( American Pacific Mortgage ) was unaware of the XXXX mortgage as it was not recorded until later. I believe that the real estate agent ( XXXX XXXX - XXXXXXXX XXXX  XXXX, CA XXXX XXXX ) and the loan XXXX ( XXXX XXXX, XXXX XXXX ) knew that XXXX didn't qualify for the VA loan based upon the purchase price of {$350000.00}. By creating the second, XXXX now did qualify for the VA loan based upon a purchase price of {$350000.00}. The underwriter was not made aware of the XXXX mortgage payment. XXXX and XXXX are husband and wife.
Consumer complaint received 2021-03-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (CO)

Purchased XXXX in ether crypto currency from XXXX on XXXX. 

Then purchased XXXX in balancer on XX/XX/XXXX. Account still not verified and I now sold ether on XX/XX/XXXX. Unable to withdraw funds in any form. 

Ive sent multiple emails to have this verified and ensure my account was verified. No response. Only bots respond.
Consumer complaint received 2022-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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
Consumer complaint received 2022-02-03
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)

I have INQUIRES that are reporting on my Equifax I do not recognize these Inquires XXXX. XXXX XXXX ( date ) XX/XX/XXXX XXXX XXXX XXXX ( date ) XX/XX/2021 XXXX. XXXX XXXX XXXX ( date ) XX/XX/2021 XXXX. XXXX XXXX XXXX ( date ) XX/XX/20XXXX XXXX
Consumer complaint received 2021-02-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX, This is a follow up of complaint made yesterday. Complaint Number XXXX XXXX has again charged fees for overdraft without providing credit for returned payment. 

They again charged overdraft fee for another transaction This is the third overdraft fee they have charged for the same incident. 

Their first 2 overdraft fees of XXXX $ has caused my bank balance to go into negative. Again they conveniently charged fees by exploitating my situation. 

So they have charged a total of {$100.00} for the same incident. 

Following is email received at XXXX XXXX  I.S.T On XX/XX/2021 your available balance for your Wells Fargo account XXXX was insufficient to cover the following transactions. 
Transaction Description Amount Action Fee BILL PAY XXXX XXXX XXXX, XXXX ON-LINE No Account Number ON XXXX {$80.00} PAID {$35.00} Total Fee ( s ) : {$35.00}
Consumer complaint received 2020-04-03
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. (AL)

I been disputing the incorrect fraud things on my credit I XXXX  XXXX  say I own {$0.00} I wont deleted XXXX/XXXX  say I owe {$0.00} charge off deleted XXXX  XXXX XXXX I don't own I demanded them to deleted for {$460.00}, XXXX  XXXX XXXX  balance {$970.00} I demand deletion still not remove, XXXX XXXX  I ask to be remove, XXXX XXXX I demanded it to go XXXX/XXXX  I demand gone still nothing
Consumer complaint received 2022-06-02
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: SYNCHRONY FINANCIAL (WI)

I submitted a dispute to XXXX on XX/XX/XXXX requesting deletion of a closed account on my credit file. This was an account that was open and never used. Having never been used, it only ever reported with positive payment history until it was eventually closed by the issuer for inactivity. Again, the account was never in any negative or delinquent status. The only reason I requested this account be removed was simply because it had been closed for 7 years. On XXXX, I received the dispute result from XXXX. Not only did they not delete the account per my request, they updated the payment history on the account showing multiple XXXX, XXXX, XXXX, and XXXX day late payments in the year XXXX and as recently as last month. Since this account was closed in XXXX and never had a balance, it would be impossible to have late payments recorded of any kind in XXXX and XXXX. When I called the original creditor ( Synchrony Bank ), they informed me they have no record of this account associated with my SSN at all and are therefore unable to issue any kind of correction. As a result of this error, my XXXX score has dropped XXXX points. I have received notice of adverse action on two of my active credit card accounts indicating my credit limits have been reduced as a result of this. This is a serious error that has already yielded negative consequences for me and the only thing XXXX offered to do was to " Re-dispute '' it when I spoke with them on XXXX. In the meantime, my personal credit record is left to suffer while their computers process the dispute. This is a problem that clearly requires human intervention and review.
Consumer complaint received 2021-09-04
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC (IL)

On XX/XX/XXXX, I contacted XXXX XXXX to pay off a charged-off account, I was told they no longer had the account and to contact MRS and associates. I called them immediately and told them I would like to settle the debt and be done with it, the phone rep said we can settle your account for XXXX and will send you a letter in the mail that the account has been settled and closed. She co-erced me to give her my debit card info because she said it would only take two days to process and would be the quickest route, which was a red flag and should have known that she was a con-artist then, I gave her my debit card number and she took the money out of my account and then set up recurinng payments without even telling me and the other issue is that they didn't even update the credit bureaus at all! They just took my hard earned money and could not get a person on the phone after that. They are TRASH and should be shut down. I have all the letter correspndance they sent me and will be glad to upload. On XXXX XXXX they updated the account to a derogatory account that's late and don't even know how that is possible because the account was settled but they sent me a letter in the mail that was dated XX/XX/XXXX but mysteriously just got it a week ago. They just took my money and think they can just get away with it. I really don't want to deal with this trash company again, so I would like the account to be updated to {$0.00} which was the original agreement that we made over the phone and the rep knows that was the truth.
Consumer complaint received 2022-06-02
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: TD BANK US HOLDING COMPANY (RI)

I have a credit card with TD Bank ending XXXX. I purchased photos from a local photography store. The owner came highly recommended from a picture frame store I did business with and was very happy with. The experience with the photographer was very different. I came home with my prints and the quality was awful and most of the pictures had heads or body parts cut off. I called the owner of the store and she did want to give me a refund. I had read reviews online that she was difficult and argumentative. I had a similar experience. However, she insisted on making the situation right by replacing the photos with better quality prints. She asked me to send them to her through a site called XXXX I went on there only to find the charge to send the prints was {$110.00}. I only paid {$36.00} for my photos so I would not use this service. She knew what she was doing. I filed a dispute with my credit card. I explained the circumstances to TD Bank that I did not return the prints since the photo studio was over an hour round trip and I had attempted to resolve the issue with my original call to the owner. The representative seemed satisfied with my description and opened a case. I just received a letter in the mail from TD Bank requesting a tracking number showing proof of return. I called TD Bank and learned they made a mistake and closed my case. I don't feel they have adequately handled this dispute since they did not listed to me when I stated I did not return my photos and they closed out my case without appropriately resolving it. If they need proof of a return, they never should have opened the case to begin with.
Consumer complaint received 2022-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX  Account # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-02
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: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting act Account XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, and XXXX XXXX XXXX XXXX Account 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
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Auto Loan XXXX Auto Loan XXXX My Auto Loans were set up to auto-pay on the Bank of America website . I was doing my payments as set up in their system. Something happened in their system in XX/XX/XXXX. XXXX was skipped completely. There isn't even a statement for any of them. The issue wasn't my unwillingness to pay the bills but the Bank Of America auto pay not working. 
Customer service representatives told me that it is my responsibility to check that my bills are paid, but in the high of COVID when every business was close to closing and it was complete chaos globally, it is tone deaf to not take responsibility for their system not working but instead marking my loan as being late. Furthermore, I have been a customer of Bank Of America for over a decade and never had a late payment except this. 
They also offered in that month of XXXX deferred payments for 90 days due to covid. Every statement after that doesn't have payments applied, which were made over the phone, since their auto pay stopped working, and I was trying to fix it. After multiple calls and attempts trying to address the issue, they told me that they stopped having the availability to set up the autopay, and instead, I had to set up manually a Bill Pay on their site with a fixed amount that I set myself, which has worked so far. They didn't fix the autopay issue until XX/XX/XXXX, almost a year later, when they sent in the monthly statements notice of the NEW process.
Consumer complaint received 2022-12-29
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (NV)

I took the COVID Relief option through the VA and Midland Bank. I was told that all payments owed during that time would be moved to the back end of the loan. I was told on XX/XX/2022 that if I send in all docs for the program to the Midland by XX/XX/2022 that I would not face foreclosure. I needed to also send in a payment of XXXX which would cover 3 months I owed ( XXXX, XXXX, XXXX ). I did that. I even called that Midland from the bank to confirm that I have the info correct. I was told to use Acct # XXXX XXXX # XXXX. I did this via XXXX at Bank XXXX XXXX teller. I was even given a confirmation number. I did all this docs and payment on XX/XX/2022. Now I get a notice on my door that I am in foreclosure and Midland says " they can not find my money even thought Bank XXXX XXXX confirmed that the payment was sent accurately. I need your help. I am a 100 % XXXX XXXX  Please help
Consumer complaint received 2022-06-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

I received a letter from Chase bank on XX/XX/XXXX stating they have decided to close my account. The checking account will be closed on XX/XX/XXXX, that is less than 20 days before the closing. I contacted Chase by calling XXXX ( the number listed on the letter ) to find out WHY they close my good standing account, but Chase bank refused to give me any answer. The rep on the phone talked like a robot and she just kept repeating what the letter says, finally, she said the bank can not tell me why due to privacy reason, I hope she didnt mean that Chase bank wants to keep my own privacy from myself. This checking account was opened in XXXX, its been in good standing for XXXX  years. And now I have to change all my direct deposits and all auto draft payments to a new checking account, Chase has caused me lots of unnecessary hassle, so they must give me a reason for closing my good standing account.
Consumer complaint received 2022-06-02
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. (AR)

Informed the credit agencies that I did not sign a contract or open an account with these companies. I assured them that I have not benefited in any type of way from the accounts. I sent all three certified mail letters stating the XXXX, fraud, a police report stating such incident, and an affidavit reporting all this. When I originally reported these accounts as fraudulent the credit agencies said that had to file a police report before they would remove these accounts. So I followed their rules and did but was told they would only remove the information if the creditors decided to do so. I informed them that I am stuck in a never ending cycle because I am telling you this information is inaccurate but you will believe the creditor over the consumer. XXXX conversation of XX/XX/2022 is file number [ XXXX ] which should have been recorded. I was told it was nothing they could do unless the creditor decided to remove it. I feel like my rights are being violated under U.S.C. 15 1681 ( c ) XXXX and 1681 ( e ) and I am trying to resolve this manner in the policy they asked of me but still no resolution.
Consumer complaint received 2022-06-02
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)

ground for removal You also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigations
Consumer complaint received 2021-09-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (VA)

XX/XX/2021 : Three transactions of {$50.00} a piece from my XXXX XXXX account to my Bluebird AMEX account, not done by me. AMEX suspended my account and I can not even get in contact with anyone.