davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NM)

Filed consumer complaint against midland credit management with NM attorney general, the complaint, acknowledgement letter and response from midland attached. In response to complaint Midland admits their company does not keep copies of account correspondence and failed to provide a true and correct copy of the initial validation letter as I requested in my complaint. As stated in midland 's acknowledgement letter a " validation letter '' was allegedly mailed to me on XXXX XXXX, 2012, however midland instead attached a letter " template '' which provides no evidence of this validation letter existing. In their response Midland failed to provide evidence as requested in the complaint regarding the validation of this debt. Midland ca n't produce this letter because one does not exist and never has. Debt validation never occurred due to midland 's negligence and violated my rights as set forth in FDCPA.
Consumer complaint received 2022-01-15
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. (AL)

On XX/XX/XXXX I contacted Experian about the following fraudulent accounts XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$760.00} ), XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00} ). Experian failed to investigate and remove these fraudulent information on my credit report. Attached is the dispute I sent to XXXX on XX/XX/XXXX
Consumer complaint received 2022-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America closed my credit card without giving me prior notification. Even after the account was closed, I still received no letter or correspondence in the mail notifying me that the account is now closed. I had to find out from XXXX that the account was closed. I made a payment of {$300.00} in XX/XX/XXXX and apparently when I made this payment, the account was already closed. I'm not sure how this was possible when I went onto the Bank of America App and made the {$300.00} payment. I called and spoke to customer service today and was told " Bank of America does not have to notify you that your account is at risk of closing. Also, when I called the rep asked me to make a payment on the account which I found odd because if the bank never told me the account closed and that I could still make payments on it, how do they expect the customer to know? In addition to that, they claimed the account closed in XX/XX/XXXX, it is now XX/XX/XXXX and I've never received a letter, phone call or email from Bank of America or a collection agency requesting payment on this closed account. Bank of America is engaging in unfair and deceptive business practices. If the account is in collections why haven't I been notified or contacted?
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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 XXXX XXXX
Consumer complaint received 2021-09-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

5/3 mortgage insurance services paid homeowners insurance for another individual out of my escrow account. The payment occurred on XXXX for {$630.00}. I noticed this because later on XXXX I saw that my normal insurance premium was paid out of my escrow. I first notified 5/3 on about XXXX. They explained what had happened and confirmed that the policy paid was not my policy. Since 5/3 have contacted me with updates a few times and I have contacted them several times. On XXXX XXXX notified me that the other person 's insurance had agreed to refund the premium. On XXXX they notified me that the refund had been processed by the other person 's insurance but was sent to the wrong XXXX XXXX XXXX On XXXX 5/3 notified me that the refund had occurred. I called back XXXX to inform them that I did not see any refund in my mortgage transaction list.I do not understand why it is the insurance company 's job to refund the money that 5/3 took from me. On or about XXXX XXXX sent me a statement of escrow increase showing that the {$630.00} made my escrow negative.
Consumer complaint received 2021-09-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (WA)

On XX/XX/XXXX I made a verbal agreement with XXXX XXXX XXXX that reads as follows : I ( XXXX XXXX ) will down pay {$300.00} for delivery of a new XXXX XXXX XXXX ( here on " XXXX '' ) and pay {$200.00} within 1 day ( 24 hours ) of receiving the XXXX.Failure to pay within 24 hours, except in circumstances outside my control, will increase the price by 5 % per day after the due date. You ( XXXX XXXX ) are solely responsible for the delivery of the XXXX and are to share tracking info as soon as available. The XXXX is to be delivered within 1 month ( 30 days ). Failure to deliver within the timeframe, except in circumstances outside of your ( XXXX XXXX ) control, will occured a refund of 5 % of the total cost. After 2 months ( 60 days ) the item will be considered not delivered and will be refunded at 110 % of the total value ( {$500.00} ). '' On XX/XX/XXXX : I sent a message to the seller : '' '' Again any updates. No response and I will ask for a refund.Within 24 hours '' Two months have passed. 
The item was not delivered and contact has been cut. 
I requested a refund from Zelle and XXXX XXXX on XXXX XXXX.
Consumer complaint received 2022-01-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (NV)

My mortgage requires online payments without assessing a fee. I can not set up autopayments or adjust the payment date online resulting in me missing payments due to lack of attention. I have been trying to set up autopay since XXXX of XXXX but can not. Ive been told that I'm using the wrong browser, the name is wrong on the account, plus other more mystifying scenarios. I was told on XXXX that I can not access the account, even though I am one of the account holders, because their online system will only allow two names on the account and our family trust is the primary and my husband is the secondary. I feel it's illegal to deny me access to my account as I am liable for the debt. I can not access my account any other way as paperless was part of the contract. 

The bank did say that my husband and I can change who is secondary but that leaves my husband unable to manage the account if I die or become incapacitated in any way. Besides the fact that we have to absorb the notary cost.
Consumer complaint received 2022-01-26
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. (FL)

My credit reports show my mortgage paid late even after I made forbearance arrangements with the lender in violation of the CARES ACT REGULATION 5. 
I have attached a copy of my report for this account for the last 2 years. 

The other complaints were credit card companies that reported lates after arrangements were made and honored. Please see attached files for each account.
Consumer complaint received 2017-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc. (MD)

On XXXX XXXX I originally amended my Chapter XXXX Bankruptcy to included the accounts for XXXX located on XXXX XXXX XXXX, XXXX NJ XXXX. 
On XXXX XXXX XXXX I remanded the discharge ( Case # XXXX ) to include the same XXXX accounts. My discharge was awarded XXXX/XXXX/XXXX XXXX Bankruptcy Court XXXX Court. 
XXXX XXXX has recently purchased this debt from XXXX in XXXX XXXX. 
I have sent the orginal schedule dated XXXX XXXX, XXXX, updated amended schedule XXXX XXXX, and discharge to XXXX, Convergent, and bankruptcy courts. As well as disputed this debt, with Convergence on three separate  occasions. XXXX XXXX continues to pursue this debt and report it, while further damaging my credit.
Consumer complaint received 2021-09-24
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been receiving unemployment benefits from EDD since the start of the pandemic. There has been {$4600.00} stolen from my EDD Bank of America prepaid card through ATM withdrawals starting from XX/XX/XXXX to XX/XX/XXXX. XXXX separate withdrawals ranging from {$200.00} to {$920.00}. I wasnt aware of the withdrawals because I wasnt checking my account balance since I planned on saving the {$4600.00} for an annual XXXX Insurance payment of over {$3500.00} and a car payment. I filed a claim on XX/XX/2021 after I found out the money was stolen and ordered the newer BoA card with the security chip in it. 

I called BoA claims a week later and one of the agents I spoke to told me that the claim was resolved in my favor and that I should be receiving the funds within 24-48 hours. I was ecstatic since my insurance payment is past due and it relieves a lot of stress on my end. After 2 days I still had no money in my account so I called BoA claims back. A different agent told me that it wasnt actually resolved in my favor and the other agent gave me false information. I filed a reconsideration with a hardship since I already made arrangements to pay off my bills after hearing that it was resolved in my favor. I filed a police report which I gave the report # to the claims department to update my claim.

Im currently unable to XXXX XXXX my car since my insurance has expired and I cant make the annual payment. In an awful position right now and XXXX  XXXX is on the horizon. Its been 2 weeks and I havent had any provisional credit enter my BoA account as well while theyre investigating. Ive read tons of other similar stories on websites like XXXX and a common theme is that the Older EDD BoA prepaid cards didnt have the security chip which prevents fraud of this kind.
Consumer complaint received 2022-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, and XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-24
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: EQUIFAX, INC. (PA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-09-24
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. (PA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (TX)

I was trying to lease an apartment from a place called XXXX I had the lease to sign and had put down a {$150.00} deposit. XXXX canceled the lease due to the resident not moving. Per the lease the {$150.00} deposit was refundable I requested it back via the payment method my card. They stated they could not refund via card and they would mail me a check. As I needed the money ASAP for a new apartment deposit I request it be over night mailed. XXXX stated the check would take XXXX weeks. The lease was canceled on XX/XX/XXXX they did not send out a check so on XX/XX/XXXX I disputed the transaction with my bank for the deposit charges. The bank took over the issues and resolved it in my favor returning the money. I never heard back from XXXX or got a check sent to me from them. I got a account in collections on my XXXX report from a XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX I disputed that with XXXX they came back with no resolution. I called and explained the situation and they stated CFPB would be the next step to get the derogatory mark off my credit. I have not owed XXXX nor do I owe them anything as it was a deposit for a unit I never signed a lease for or moved into. They owed me money and did not return it so I got my bank to get it squared away. I want the mark taken off my credit and for them to show that I am in good standing
Consumer complaint received 2021-09-24
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: Experian Information Solutions Inc. (CO)

XXXX XX/XX/2020 I Reached XXXX I asked them to verify this information of unauthorized inquiry they had no such paperwork or my signature on file. Please remove it once.
Consumer complaint received 2019-05-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (WA)

On XX/XX/XXXX I made a balance transfer XXXX from my PayPal account to my PayPal prepaid XXXX now PayPal says they sent the money and the card people are telling me they never got it and it failed on there and no one 's taking responsibility for this I'm still ouXXXX XXXX and PayPal is been putting me off for 6 days now and I have gotten no resolution from them other than the assumption is that they stole my money they keep putting it too well we're working on it they acknowledged that it was a computer program on there and but have failed to fix the problem as to I don't have my money and they don't care
Consumer complaint received 2022-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXXXXXXXXXX, 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 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Capital One Auto is reporting late notations on my credit file for the year of 2020. Due to Covid and the events that unfolded I suffered financially. Towards the beginning of the year when they began to implement all this stuff for Covid my employer wanted to be safe and ended up cutting business hours, and cutting everyone 's hours for that matter. During this time, I ended up contracting Covid and was out of work for 2 weeks and it set me back even further. I am asking that Capital One Auto makes a one time good will adjustment for my 2020 lates. It was a very difficult year but I hope that these lates being removed will help me moving forward.
Consumer complaint received 2022-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

We have had this XXXX for a couple years and recently ( XX/XX/2021 ) were switching our XXXX from our XXXX account ( personal ) to our XXXX account ( business ) - we knew it would potentially interrupt our existing XXXX process with XXXX so when they called to let us know our payment had been returned we immediately paid both that month and the next month payments to make sure we did not have any issues moving forward. When they called we asked them repeatedly if the account was past due and would be reported as past due - they said that the account was current and that no derogatory information had been or would be reported to the credit bureaus. So you can imagine our surprise when we got an alert through XXXX that our score had been dramatically impacted by a 30 day late reporting. We knew the information was inaccurate and reached out to XXXX who said to contact their dispute department- which we did and left a message - no response - so after a month we finally had a friend suggest we submit a dispute through XXXX to XXXX, which we did. After 20 days they processed it and made NO CHANGES to their reporting even though we provided all the information we could. This incorrect information is drastically impacting our finances, ability to refinance, purchase a car that will fit our XXXX ( now XXXX people ).
Consumer complaint received 2019-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

XXXX XXXX XXXX XXXX is reporting on my credit in error. They made the mistake and it was fixed so it Should be deleted. They're incorrectly reporting on accounts : # XXXX, # XXXX, # XXXX
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Allied Collection Services, Inc. (Nevada) (NV)

This third party collection service is trying to fraudulently state I owe back rent that was covered under the cares act Covid pandemic relief. The original apartment was in the process of an application for assistance, the account was not delinquent before assistance was provided. This company is trying to double collect, and illegally sell this debt to a third party collection service. This is unacceptable due to CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I demand that this be removed from my credit immediately, this has caused great hardship for me. I am unable to rent an apartment due to the fact this false collection is on my report.
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

In XXXX of XXXX I sent EXPERIAN an identity theft report to block/remove all accounts furnished that were part of the XXXX XX/XX/XXXX data XXXX. EXPERIAN continues to verify accounts on my consumer report without giving the method of verification or providing an investigative consumer report as required by federal law. I understand that credit agencies like EXPERIAN, use an E-Oscar machine to process dispute letters, which is inefficient in verifying information contained in consumer reports the correct way. I have requested through dispute letter that EXPERIAN provide the method of verification under FCRA, Section 611 ( a ) ( 6 ) and ( 7 ), it has been received as of XX/XX/XXXX. I understand that EXPERIAN must provide me the method of verification within 15 days of my request or the information must be deleted. 

EXPERIAN is also in violation of 15 USC 1681b ( a ) ( 2 ), i the consumer did not give written authorization for EXPERIAN to furnish anything on my credit report. I demand EXPERIAN produce the certified documents showing I gave authorization for this negative information to be furnished on my consumer report. Also, EXPERIAN is in violation of XXXX USC 1681a ( 2 ) ( B ) by furnishing approvals of specific extentions of credit on my consumer report. These are direct violations of federal law. 

I spoke with an authorized agent for EXPERIAN whom told me that EXPERIAN is not in violation of any federal laws and they are required to place transactions on my consumer report whenever a creditor sends them in and there is no authorization needed from the consumer. The authorized agent for EXPERIAN whom i spoke with and is over my consumer report is XXXX XXXX, his direct line is XXXX.
Consumer complaint received 2021-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collectibles Management Resources (CA)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.
Consumer complaint received 2021-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (FL)

I received this e-mail ( service message ) from JP Morgan Chase and Co. ( Travel ) on XX/XX/2021 : We're writing to confirm that your refund of {$130.00} and XXXX PTS was processed on XX/XX/2021 for the Chase Travel itinerary XXXX. As of today, XX/XX/2021 the refund has NOT entered my Credit Card Account. After speaking to some very caring but powerless associates, it was suggested that I contact Chase Privacy Operations in writing. I have sent a letter to CHASE PRIVACY OPERATIONS on XX/XX/2021 about this problem but have NOT been contacted by anyone as of yet.
Consumer complaint received 2021-03-10
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. (FL)

I am sending letters to the credit bureaus and they have not responded, I have incorrect information on my credit report that hurts me, I have inaccurate accounts, and unauthorized inquiries.