davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

Received a text message appearing to be from Peoples United Bank asking if I had authorized a purchase - I responded with a NO. They called me and a person claiming to be from Peoples United Bank proceeded to ask questions relating to my bank account and so I answered accordingly. He told me they had to close my account due to fradulent activity. He gave his name/ID number all while posing as a Peoples Bank employee. I gave him general information and he said he would take care of the situation. I went on Monday to inquire about this situation to the branch in XXXX, CT. There I found that there were 3 unauthorized transactions of {$500.00} each for a total of {$1500.00}. 
XXXX {$500.00} XXXX {$500.00} XXXX {$500.00} I tried to file a claim to receive these funds back. My claim was denied because Peoples Bank claims that I entered a " Code '' to authorize the funds. I was NEVER asked for a code and never gave a code. I assume the hacker must have hacked my phone or internet or something where he was able to get that code or whatever they are talking about. I did not give any codes to anyone nor was I asked about one. I keep telling this to Peoples Bank but they are not hearing me and keep claiming that I did this. Other banks usually refund unauthorized transactions right away so I am very upset to know Peoples Bank has denied this to me- especially as the scammer took the role of a Peoples employee and I am out {$1500.00} hard earned dollars. I would like a refund asap.! 
I need my funds back immediately! I am a widow and having financial troubles and obligations. This has really caused me immense stress.
Consumer complaint received 2019-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have contacted all three credit reporting agency and was told that the information was verified. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & amp ; Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & amp ; 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately. 

I WAS TOLD BY THE XXXX XXXX XXXX XXXX XXXX XXXX and United States Courthouse XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX Telephone : ( XXXX ) XXXX said that they do NOT provide information to the credit bureaus. so the information could not have been verified.
Consumer complaint received 2019-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax and XXXX  are reporting incorrectly that I am 30 days past due on the XXXX   partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-04-03
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)

I had a XXXX XXXX XXXX XXXX loan that was settled for less. The matter was considered settled XX/XX/XXXX. Experian started reporting the incorrectly in Nov/Dec of XXXX. Instead of nothing more negative showing after XX/XX/, Experian started a separate failed to pay negative remark for these two months, thus creating what looks like two incidents. Both sides say they understand and see what the issue is, yet as of writing this, it still shows incorrectly. My Experian score is more than XXXX points lower and this is the only difference. I have tried with both places involved to correct this. So with no other options I am asking you for help.
Consumer complaint received 2019-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (AZ)

Until my bankruptcy in XXXX ( discharged in XX/XX/XXXX ), XXXX ( XXXX ) reported my mortgage to all 3 major Credit Bureaus. I was told by their customer service, that they would stop reporting during the bankruptcy and start reporting again, when the bankruptcy is discharged. I exempted the mortgage from the bankruptcy, even if XXXX showed absolutely no interest in reaffirming the mortgage. 
However, the bankruptcy is now discharged for over 8 month and XXXX ( XXXX ) is still not reporting to the Credit Bureaus. I called there several times and wrote numerous emails and letters, but did not receive any answers. Their customer service is almost impossible to reach, and if I get through to them, they have absolutely no knowledge about my mortgage and are completely unable to provide any advise or help with this issue. Needless to say, with them not reporting my ( always on time ) payments, my credit score suffers a lot.
Consumer complaint received 2022-03-31
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. (MD)

I HAD A CREDIT REPORT JUST RECENTLY THE CREDIT REPORT AND SCORE IS GONE. 
As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. XXXX XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency
Consumer complaint received 2019-10-01
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America took my house under false pretenses by saying that we needed to fall behind on our mortgage in order for them to help us under HARP. 
The house was foreclosed on after years of harassment. They got my house lost a lawsuit for fraud for taking the house. Reported the check they had to send for screwing my whole family as an income for tax purposes, just as a criminal enterprise would, and then has the balls to sell debt on the house to a 3rd party debt collector. ( XXXX ) I will NOT pay one cent on debt already settled once!
Consumer complaint received 2019-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LAKEVIEW LOAN SERVICING, LLC (AZ)

Until my bankruptcy in XXXX ( discharged in XX/XX/XXXX ), Lakeview ( XXXX ) reported my mortgage to all 3 major Credit Bureaus. I was told by their customer service, that they would stop reporting during the bankruptcy and start reporting again, when the bankruptcy is discharged. I exempted the mortgage from the bankruptcy, even if XXXX showed absolutely no interest in reaffirming the mortgage. 
However, the bankruptcy is now discharged for over 8 month and Lakeview ( XXXX ) is still not reporting to the Credit Bureaus. I called there several times and wrote numerous emails and letters, but did not receive any answers. Their customer service is almost impossible to reach, and if I get through to them, they have absolutely no knowledge about my mortgage and are completely unable to provide any advise or help with this issue. Needless to say, with them not reporting my ( always on time ) payments, my credit score suffers a lot.
Consumer complaint received 2019-10-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Centron Services (WA)

I received no notification from the collector of this debt prior to the collector placing the account on my credit report. Despite being legally obligated, the collector failed to provide any sort of Dunning Letter, violating my right to dispute the debt within thirty days as guaranteed to me under the Fair Credit Reporting Act. To the best of my knowledge, I do not owe the original creditor any money, as they granted me financial assistance covering all medical bills accrued with them.
Consumer complaint received 2022-03-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (FL)

Received a collection notice from Convergent attempting to collect a debt for XXXX for over {$1000.00}. I have never had an account with XXXX, and I dont know how this account came about. I have reached out to Convergent and XXXX, as well as my local Sheriffs office. I also disputed this account on my credit report. XXXX indicated I may file a fraud report ; however, no information was provided as to when the account was opened, by whom, etc.
Consumer complaint received 2019-10-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (NV)

According to the credit report this was opened in XXXX XXXX. My son and I went to the XXXX XXXX store because they had a promo at the time. It was a buy one get one free phone and a {$300.00} gift card. We chose our phones and went home. My son 's phone was defective so he returned it.The replacement phone came in the mail but it was also defective and it took them a while to send it to him. The gift card was not issued even after a couple of billing cycles passed. 
At this time, I decided to just return both phones to the store and not pay the bill. EOS CCA, claims that I should pay {$1200.00} as of XXXX, XXXX. The last time I told the collection agent that I will not pay that amount since we returned the phones and I never received the gift card as was promised. 
I would like help in resolving this matter because I consider it false advertising for defective products.It is
Consumer complaint received 2019-10-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently tried to dispute a list of 13 inquiries from my TransUnion credit report that I believe were fraudulent. TransUnion has yet to remove them from my credit report after now completing the investigation The list of inquiries 1. XXXX XXXX- XX/XX/XXXX 2. XXXX XXXX- XX/XX/XXXX 3. XXXX XXXX- XX/XX/XXXX 4. XXXX XXXX- XX/XX/XXXX 5. XXXX- XX/XX/XXXX 6. XXXX- XX/XX/XXXX 7. XXXX/XXXX- XX/XX/XXXX 8. XXXX/ XXXX- XX/XX/XXXX 9. 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 I recently found out I am a victim of fraud and I am trying to clean up the mess before my credit gets any worst
Consumer complaint received 2019-10-01
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (CA)

XXXX  XXXX XXXX took my house under false pretenses by saying that we needed to fall behind on our mortgage in order for them to help us under HARP. 
The house was foreclosed on after years of harassment. They got my house lost a lawsuit for fraud for taking the house. Reported the check they had to send for screwing my whole family as an income for tax purposes, just as a criminal enterprise would, and then has the balls to sell debt on the house to a 3rd party debt collector. ( CMRE ) I will NOT pay one cent on debt already settled once!
Consumer complaint received 2019-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (NY)

I've had a credit card with Barclay Rewards Mastercard for 4 years. When the card was issued, my credit rating was not good so that I understood the high interest rate of 25.24 %. Since getting this card, my payment record has been excellent. Like many others, I make my payments without looking at my balance. However, when I received a payment reminder a few days ago, I realized that the last payment I made for {$110.00} didn't make a dent in the balance. When I checked further, I found that only $ 40+ was applied to principal and $ 60+ added for interest. In checking back to 2018, I discovered that I paid {$830.00} in interest, 55 % of the amount charged on my account. 

I have called, and then emailed Barclay to ask for an interest rate reduction, but it was declined. 

Since I had not used this credit card until the last couple of days, most of the charges on the account were for interest. This seems to me to be unconscionable and something should be done to stop this practice of interest upon interest, usury??? 

I have been toying with the idea of just stopping payments or filing a Chapter XX/XX/XXXX, but would appreciate it if you could help so that I won't have to take these measures.
Consumer complaint received 2023-06-13
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. (GA)

I have recently taken the time to look over my credit reports and noticed that my natural rights as a consumer has been violated in many ways by the XXXX XXXX XXXX, Equifax and XXXX. I have tried a numerous amount of times to contact them to handle these issues and make them alert that I am aware of the violations that they have and are doing. First of all I never gave them permission to furnish ANY of my personal information on the consumer report which is a violation of 15 USC 1681b PERMISSIBLE PURPOSE OF A CONSUMER REPORT. No consent is in fact Identity theft which I am already a victim to!. Also, I would like to use this letter as confirmation that I hereby Opt-Out and do not wish to resolve disputes with Equifax, XXXX or XXXX through arbitration. I REJECT the arbitration clause in the interactive service agreement so please take note! Another violation that I have noticed is the great deal of inquiries that DO NOT BELONG TO ME! I am very responsible and that clearly seems that someone was trying to use my credit to get things not ME! I HAVE ALSO NOTICED LATE PAYMENTS which is a violation of 15 USC 1681s-3. consumer reports should not contain information solely as to transactions or experiences between the consumer and the person making the report so all accounts that include late payments need to be removed immediately as I have already started legal action to gain compensation for defamation of character, negligent enablement of identity fraud, Fair Debt Collections Practices Act 15 USC 1692g violations and Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616 Civil liability for willful noncompliance 15 USC 1681n.
Consumer complaint received 2019-10-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

On XX/XX/XXXX I received a summons from Midland Funding LLC saying that I had defaulted on a XXXX XXXX that was issued to someone living in XXXX, MI. The statements attached to the summons show that the credit card was defaulted on back in XXXX. When checking my credit report I see that Midland Funding added themselves as a creditor and the XXXX, MI address to the credit report back in XX/XX/XXXX. 
This is fraud. 
My only address is in XXXX XXXX at the house I have owned for over 30 years. I have had only one credit card for many years and it was not issued by XXXX.
Consumer complaint received 2019-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax is reporting incorrectly that I am 120 days past due on the XXXX partial account number XXXX. ( Please see page 24 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-10-01
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MarkOne Holdings, LLC (TX)

Markone/XXXX  is maliciously and intentionally reporting inaccurate information on my credit report. I have disputed this account numerous times and it has been illegally verified as accurate. Every month they have update my credit report with a balance that in no way shape of form matches the information that they have sent me. Every time that I dispute the account, XXXX  comes back as verified as accurate while XXXX  and XXXX   have both deleted this account in 2017. I had provided the same documentation to all three credit bureaus however, XXXX  will not remove the account for inaccurate reporting. I have also sent XXXX additional documentation that I have received from the creditor stating the balance, however they informed me that it doesnt matter what I send them, they go with what the creditor tells them. I want this inaccurate, injurious, erroneous information removed immediately from my credit report. I have attached the backup for my claim and I would greatly appreciate it if you would help me get this remove immediately.
Consumer complaint received 2019-10-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Dear XXXX, Consumer Financial Protection Bureau, CFPB, AND 3 Credit Bureaus ( XXXX, XXXX, and Equifax ) : I HAVE CONTACTED XXXX XXXX SEVERAL TIMES OVER THE PHONE TO NO AVAIL, AND THE 3 CREDIT BUREAUS. MAKE THE CORRECTIONS OR YOU WILL NOT RECEIVE XX/XX/2019 NOR XX/XX/2019 Payment. I have included WOES for you to execute. Sincerely and Respectfully, XXXX XXXX MD Phone : XXXX Email : XXXX XXXX
Consumer complaint received 2019-10-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (DC)

After my experience banking with US Bank, I can say that I do not trust them to service my mortgage loans. Their systems, processes and management style are extremely inefficient and incompetency is a severe problem with even the smallest of requests. I would not and will not be recommending them. Sadly, the issue isn't with customer service ( they've been extremely helpful ) it is with US Bank 's nonsensical and inefficient procedures and company organization. 

Here is my story : On XX/XX/2019, I sent a request to US Bank to send me my credit from DC 's Tax and Revenue office. I called them to confirm receipt of my request and was told that it had been received and a research request had been opened. I would receive my refund by XX/XX/XXXX. I called US Bank several times from XXXX to XX/XX/XXXX to check in and was reassured that they had all the information that they needed from me and that they were working on getting my refund. No worries. 

I called on XX/XX/XXXX and was told that there were NO updates to the research. Their Tax Team reassured me that they had made a request and that someone would get the request fulfilled. However, when I spoke to the Adjustment Team at DC 's Tax Office NO ONE from US Bank had sent a request for a refund. When I questioned the rep from the Escalation team about this, they weren't able to explain. The rep called DC 's Tax Office herself and was given instruction on how to file a request for credit with their office. They simply need to send a request in writing via email. Over four months and US Bank was NOW doing the supposed research to figure out the process for requesting a refund - it wasn't even someone on their research team. What was even more frustrating was that the Escalation rep couldn't do anything with the information she received other than put a note on my request for this so called " research team ''. This is a waste of time for myself, the Rep and this research team. The rep should have been able to send this request herself or send me to someone who could get this handled IMMEDIATELY. 

So now its over four months and I'm still waiting on them to send this email. There isn't even a process for resolving and expediting an outstanding issue like mine where it's clear that they were in the wrong. I've had to reach out to several Audit Managers via XXXX because there are no accessible contact information other than the generic customer service email. 

No one has called to apologize and/or help me. I am regretful having to use them as my mortgage company. I would not recommend them and highly suggest going for a bank that cares about thoughtful management and processes and most importantly about immediate service.