davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

USAA XXXX LOAN XXXX I. Am 100 percent service connected veteran exempt from property taxes. I had the county assessor write a letter to the mortgage company verifying this but they are not honoring the letter. They continue to try to collect escrow property taxes from me and are not applying the mortgage payments I am sending every month.They state they have to wait for the second installment in XX/XX/XXXX from the county assessor to verify the exemption, and meantime they are reporting my loan delinquent to the credit bureau. I am paying my mortgage and insurance every month but they are holding it in suspense.
Consumer complaint received 2019-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX and XX/XX/XXXX I had a unaurthorize charge on my account so reached out to XXXX to resolve it but nothing happened. Several calls has been made to the bank to recover my fees but I was given no answer. I've had an account with XXXX for about 6 months now and I've received so many fees with has caused my account to go negative ... I valued being a customer but I dont like to give away money and because of that I've fallen behind on all of my bills. I have so many fees on my account and I know that its a bank error.
Consumer complaint received 2019-04-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A. (MI)

FridayIdepositedacheckandwastoldIneededtopayafeetoaccessmymoney.However,myaccountwasalreadyoverdraftedandIcouldn'taffordthefee.SoIcalledandwastoldmycheckwouldbeavailableMonday,whichwasalie,andothertoldmeTuesday.Pncbankisnotgoodfortheworkingpoor.
Consumer complaint received 2019-09-25
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

My XXXX XXXX account was closed and charged-off. XXXX XXXX kept the account in-house and I made payment arrangements to pay the account with XXXX XXXX XXXX XXXX. For each month that I made a payment, XXXX ( XXXX ) continued to report the account as charged off each month. The definition of a charge off : A statement by a creditor ( = someone who is owed money ) that a debt will probably not be paid and is counted as a loss. For most account types, a charge off will occur after 180 days of missed payments. 

A charge-off can only occur ONCE in the lifetime of an account. A charge-off is a single ( singular ) statement that an account most likely will not be paid. 

XXXX XXXX ( XXXX ) Is re-reporting the original charge-off that occurred on the account every month EVEN WHEN I HAVE BEEN MAKING PAYMENTS. 
Experian shows FP for this account every month which means Failed to Pay. On another screen in Experian it shows CO every month for Charge off. This is NOT fair credit reporting. An account can only be charged off ONE TIME. Why does a creditor, that keeps an account in-house get to continuously report the account as a charge off every month? Not a single person from XXXX, XXXX or the CFPB could show me anything in writing that states If a creditor keeps your charged-off account in-house they can report the charge-off every month until paid I am going to need to see proof of that in writing effective before my accounts were charged off to agree with this process. 

Fair credit reporting is important. My account was charged-off, I take responsibility for that, and I am paying off the balance. You all need to do one-of-two things. Add a CP for charge off being paid or charge off in payment status OR only show the original singular date of charge off. THAT is accurate credit reporting. Showing FP and CO every month for accounts that are or are not being paid is malicious and spiteful. 

I dont want this changed on just my account, I want it changed for EVERYBODY and I want it retroactive for all the accounts that are impacted. My account was in good standing for 5 YEARS before I reached my financial fail and this is the payback I get for paying this account IN-FULL, balance fees interest and all. They get a tax write-off for the charge off. Do they have to pay the IRS back?? 

I want to see documentation that this creditor can perform this type of monthly negative reporting on my credit report in writing or I want all the credit reporting RETROACTIVLY changed for EVERYONE who has had this experience with any and all creditors.
Consumer complaint received 2019-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CO)

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. i tried disputing it because i had paid it and it was their websites problem and not mine but they refused to remove it. Please help
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 602 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

XX/XX/XXXX and XX/XX/XXXX I called equifax numerous of times speaking to not helpful representative. My credit report is showing blank while pulling the report from their website. 
I have revolving credit that is not showing up. I tried to explain the problem to the representatives All the representatives keep doing is transferring me over to different departments. 
I ask for a call back. A rep callback doing an verification that was not able to pass. When I ask her for her ID number she speedy the number and put me on hold. 

I need my credit report in a timely matter. I am trying to close on a home loan. I do not have 45 days for them to get back to me
Consumer complaint received 2022-03-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Revolut Technologies Inc. (IA)

I am unable to fully close my account with Revolut.

I continue to receive monthly statement emails from them, which indicates that my account is still open. However, I requested my account be closed more than 1 year ago.

I can not log into the Revolut app as the app believes my account is closed.

I can not contact Revolut because they provide absolutely no way to reach them without logging into the app.
Consumer complaint received 2019-09-26
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Mar Joe Enterprises (SD)

Today XX/XX/26. A debt collector named XXXX called me at XXXX XXXX local time from the Credit Collections bureau. She called from XXXX. This is illegal to call before XXXX XXXX  under FDCPA. I want them to cease and desist and only contact me in writing from now on
Consumer complaint received 2022-10-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Designed Receivable Solutions, Inc. (CA)

Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) are unknown to me. Also, the information you provided on these accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on these accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX Balance XXXX XXXX
Consumer complaint received 2023-01-27
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

Experian continues to report accounts that are the result of identity theft, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were previously reporting on XXXX as well as XXXX however after providing XXXX XXXX and XXXX documentation supporting the fact that these were opened due to Identity Theft these items have been removed and blocked from my credit report. I have informed Experian of this as well as the creditors, but all parties remain negligently non compliant. This is my XXXX time submitted a complaint with the cfpb to get experian to resolve this issue, however they continue to tell me the items will not be removed or blocked due to the items not meeting the criteria even though they are the result of identity theft. I have tried multiple times to explain this to them and they continue to force me to suffer through their automated dispute process and send generic responses or allow the creditors reporting this information to continue doing as well allowing them to update the account with snarky comments stating " Completed investigation of FCRA dispute - consumer disagrees '' when in fact they are not even investigating this and the only proof Ive been supplied by either company is a signature that does not look even remotely close to mine. XXXX processes are automated and do not do their due diligence in investigating these matters. 

XXXX provided me this confirmation number for the removal and blocking of these accounts and I believe Experian should check with them to ensure they're following the same process*** The confirmation number for the removal of these accounts was XXXX
Consumer complaint received 2023-04-06
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. (FL)

For the past several months I have been disputing inaccurate information with XXXX, XXXX and Transunion on the following accounts with the following details : XXXX XXXX XXXX High balance Date of last activity Date opened Date of last payment Closed date XXXX XXXX XXXX High balance Date opened Date of last payment Closed date Date of last activity XXXX XXXX. XXXX Date opened High balance Date of last payment Date of last activity Closed date All three bureaus claimed they verified the information is accurate, but one look at my attached credit report shows several inaccuracies regarding these items still exist.
Consumer complaint received 2019-05-03
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 (NC)

Rec 'd bill from card company, due date was XX/XX/2019. sent money online to Capital One on XX/XX/2019, by bank released funds on XX/XX/2019 said money was sent to ( {$320.00} ) Capital One. Informed by Capital One all funds are held for 7 days before releasing to the account. Is this legal? Someone is drawing interest on this money and it's not me, Are they really allowed to hold money for 7 days? Before applying to account.?
Consumer complaint received 2019-04-01
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Orion Capital Solutions LLC (MO)

XX/XX/2019 XXXX debt collector stating that she is with a debt collection company named Orion , attempting to collect a debt owed to balance credit. Threatened to contact my employer. Stated that they would move forward with their action and gain employment verification. I have repeatedly asked them to stop contacting me and told them that my debt does not lie with them, but with the original creditor.
Consumer complaint received 2019-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX a merchant called XXXX XXXX XXXX had their transaction declined through my Chase Freedom card. I called Chase on XX/XX/XXXX to inquire about that. Earlier on XX/XX/XXXX, that same merchant tried to use my card and I filed a dispute and placed a stop payment on future transactions from that merchant. That explains why the transaction on XX/XX/XXXX was denied. For the dispute it has been resolved and the merchant refunded me the disputed amount easily. 

Now the problem is on how to remove the stop payment on future transactions from that merchant. I have been on the phone with multiple representatives from Chase Freedom and been rerouted to multiple departments so that I can remove that block. It's a shame how Chase is actually handling such issue. From customer service, to senior customer service specialist, to fraud security department, to dispute department, and back to customer service again. Endless rerouting and endless talks with different people and the problem isn't resolved yet. One rep asks me for very detailed verification information to another rep who doesn't know if there is a block on the card to another rep who doesn't have a clue why the transaction has been denied. Endless calls and endless stories. I NEED A RESOLUTION OR I WILL CLOSE MY CARD PERMANENTLY!
Consumer complaint received 2022-03-30
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Elevate Recoveries, LLC (TN)

Truthfully, I wasnt sure which box to check because this company has stooped to almost every single one of them.

1 ) They have communicated after my asking them to stop via verified letter.

2 ) They have made false statements and misrepresented themselves 3 ) They sent a letter to my parents address thus improperly sharing my information 4 ) They have attempted to collect a debt not owed as I have no record of this bill and they said that they had closed the account due to an inability to verify it I submitted a complaint against XXXX for the same matter earlier this week. While their response was satisfactory, it is clear that it was not true as I continue to be contacted by Elevate Collections for the same alleged debt that XXXX attempted to collect and then subsequently discharged according to their response to CFPB complaint number XXXX. 

XXXX initially mailed a statement to my parent 's address in XX/XX/XXXX. When asked, the representative at Elevate said that they mailed a letter on the same date as XXXX despite me having no record of a second separate letter. Upon hearing this, I realized that Elevate and XXXX must be part of the same group and that he was talking about the same letter, but your representative assured me that that is not the case and that he has never heard of XXXX. When pressed further, your representative said that the debt no longer belonged to the original medical group he had initially said that it did and that XXXX XXXX XXXX XXXX was the new owner of the debt. On XX/XX/XXXX, I called XXXX myself and asked the representative what their relationship to XXXX and Elevate was. She candidly said " Oh- that's us! We're all the same! '' Knowing this, it is clear that XXXX XXXX, Elevate, and XXXX are all engaging in deceitful and fraudulent collections practices. XXXX assured me that the debt had been written off as of XX/XX/XXXX and that they would no longer contact me in large part because they could not produce sufficient proof to verify the debt, but it is clear that XXXX XXXX/Elevate have resumed their contact albeit under a different name and that they have escalated to lying about their practices. Should these deceitful tactics continue, I will have no choice but to escalate the issue further.
Consumer complaint received 2019-09-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NY)

i talked to XXXX OUR POINT OF CONTACT ON MONDAY AND SHE TOOK A PAYMENT FOR XXXX THAT WILL BE TAKEN OUT OF OUR CHECKING ON XX/XX/XXXX! SLS LIED ABOUT THAT THETRIED TO CONTACT US THEY NEVER DID I CANTACTED THEM THE WEEK AFTER XX/XX/XXXX WHEN THE MODIFICATION WAS DUE AND THATS WHEN I WAS TOLD THAT IS WAS DENIED DUE TO THE NOTARY! WE CAN GO BACK AND FORTH WITH THIS BUT IM NOT GETTING MYSELF UPSET WITH SLS! I HAVE EVERY RECORED MESSAGE AND I WAS DOING WHAT I WAS TOLD! MY HUSBAND AND I WANT THE MODIFICATION TO BE REDONE AND PUT XXXX [ PAYMENT THAT IS GOING IN ON XX/XX/XXXX TOWARDS XX/XX/XXXX AND WE OUR ASKING FOR THE MODIFICATION TO BE BACK DATED TO START AS OF XX/XX/XXXX THATS ONLY FAIR GUE TO EVERYTHING WE WERE PUT THROUGH OR I WILL LET A JUDGE OR A LAWYER LISTEN TO ALL THE MESSAGES FROM SLS!!! ALSO IM ASKING WITH WHOM DO WE ASK FOR OUR LOAN TO BE AUDIT? THERES BEEN MONEY TAKEN BACK AFTER THE HAMP PROGRAM OVER {$20.00} GRAND AND ADDED IT BACK INTO OUR BALANCE THATS FRAUD!
Consumer complaint received 2019-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reported all of these inquiries to the following Credit Reporting Agencies, Transunion XXXX  and submitted info related to fraud on my account with the illegal use of my Social Security No., and asked that all of the hard inquiries be removed from my credit report, as these are impacting my credit score, and are being illegally reported on my credit report.

However these Credit reporting bureaus have  refused, and completely refused to remove these erroneous inquiries from my report. 

The following inquiries are on my report and these reporting agencies refuse to take them off. 

XXXX - XX/XX/XXXX MAB RETAIL - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX OFFLEASE ONLY - XX/XX/XXXX OFFLEASE ONLY - XX/XX/XXXX OFFLEASE ONLY - XX/XX/XXXX OFFLEASE ONLY - XX/XX/XXXX CAR FINANCE - XX/XX/XXXX CAR FINANCE - XX/XX/XXXX INFORMATIVE - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX / XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX/XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX
Consumer complaint received 2022-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX has caused damages by not removing false incorrect information of Billing Errors I've asked them to Keep accounts and remove negative and false information they refuse even though i have sent in proof as well as refuse to send the proper tax forms and other request as well as payment received for I, the Consumer account to be properly credit and balanced This is on going three years now, please see attachments all Sent Certified Mail and Next Day Air