davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-21
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)

My bank called me to inform me that there was a unknown charge on my account. Thry wanted to verify to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$54.00} XXXX  XXXX XXXX   XXXX {$21000.00} XXXX XXXX {$14000.00}
Consumer complaint received 2021-02-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (WA)

This is the 3rd time this situation has come up with this company. 

I received letters via regular mail. The latest one is dated XX/XX/2021. It is a bill for {$2500.00}, which states that it includes an overdue payment from XX/XX/XXXX for {$1200.00}. First -- why would I get an overdue notice for 4 days past the XX/XX/XXXX? I paid the mortgage on the XX/XX/XXXX and have an email from the company dated XX/XX/XXXX, that states my payment of {$1200.00} was received! I had actually paid it on the XX/XX/XXXX. Apparently payments take a few days to record on their end. 

I am not late making my payment, nor have I EVER been.
Consumer complaint received 2020-02-21
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (CA)

XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX CA XXXX XXXX & XXXX XXXX Flagstar LN XXXX This short sale was started on XX/XX/XXXX with Flagstar. 

On XX/XX/XXXX Flagstar found there was a discrepancy with the VA-Assigned Case Number. Flagstar opened up a trouble ticket within their company to have this issue escalated through the VA for resolution. 

As of XX/XX/XXXX there were no updates at all. Flagstar ( supposedly ) again escalated the issue with the VA. 

As of XX/XX/XXXX Flagstar claims there are still no updates.

While we understand the VA does take some time to resolve issues as they come up, this is taking much too long even for the VA. At this point we do not believe Flagstar ever communicated with the VA and followed-up with them regarding a resolution to this issue with the Case Number.

I want proof that this was in fact sent to and escalated with the VA for a resolution to the discrepancy with the VA-Assigned Case Number. I want Flagstar to contact the VA to find out why there is such a delay.
Consumer complaint received 2020-02-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My checking account has been closed by Bank of America a month ago. I called them a lot of times to ask refund my funds. It happens on XX/XX/2020. The amount is {$180000.00}. But until now, no one know what happens and when I can have my funds back.
Consumer complaint received 2020-02-21
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 (IL)

acct with bank of america XXXX is showing a balance of XXXX owed with late payments past XX/XX/XXXX to present date. it is showing missed payments from XX/XX/XXXX and a charge off acct still. the acct was prior disputed with cfpb and the replay to this from bank of america was the negative information would be removed but this has not happened 90 days later. the original case with cfpb is XXXX-XXXX. the have also violated the consumer protection act by not replying to dispute letter dated XX/XX/XXXX to dispute this acct. they stated that they did not receive the letter at bank of america address. but the address sent to is the address on the credit report that they send to all agencies. the address on credit reports are bank of america XXXX XXXX XXXX XXXX florida XXXX. I will attach letter receipt to show they revived it. plus other information from prior case number. plus they are adding late payments on this acct every month after notice to cfpb of actions to be taken.with reciept of letter and constant late payments request XXXX per incident. no reply in 30 days. and no correction done on credit reports. I hav called XXXX XXXX and left vm multiple times with no reply on this issue.
Consumer complaint received 2020-02-21
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: EQUIFAX, INC. (TX)

XXXX  Back in 2009 XXXX 's already had to pay a {$4.00} XXXX settlement after it was involved in a Texas state lawsuit where it was accused of deceptive trade practices. In XX/XX/2009, Attorney General XXXX XXXX filed a litigation against the electronics retailer claiming it violated the Texas Deceptive Trade Practices Act.
Consumer complaint received 2020-02-21
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: Experian Information Solutions Inc. (FL)

i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2020-02-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

On XX/XX/XXXX I received a phone call from a company saying this was their second attempt to contact me to sign for documents regarding a debt that they were collecting. When I called the number given to me back ( XXXX ) and gave them my case number of XXXX XXXX XXXX let me know that someone would be coming to my house to deliver paperwork about a debt that was going to be pursued and I had to sign the paperwork and legal action was going to be taken. I was told the debt was {$720.00} originating from Fifth Third from XXXX. She then said if I paid this amount over the phone and settled the debt then they would stop all legal action which could include a lean on my property, wage and income tax refund garnishments as well as revoking my license. The information that I was given regarding the company is XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. When I XXXX this it is a XXXX Store. The paperwork sent to me while on the phone with XXXX and her bullying was enough to make me fall for this scam and I stupidly gave her my debit card information over the phone. It wasn't until I got off the phone that I actually had a moment to think and process this whole thing and realized I was scammed. The company does not come up on any XXXX search, neither does the phone number. I have called my back to try and dispute the charges and cancelled my debit card to prevent further fraudulent charges.
Consumer complaint received 2022-10-15
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. (PA)

In accordance with the Fair Credit Reporting act The 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-02-21
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: Experian Information Solutions Inc. (AR)

I received a notification from XXXX XXXX that I got a inquiry from some place I am not familiar with. I then reviewed everything on my XXXX XXXX and there are several inquiries that are being made under my name. I believe someone has been trying to purchase something using my name for over a year now because there is several inquiries that do not belong to me. I have taken action to prevent anyone from opening anything under my name. Please remove all these inquiries from my credit report.
Consumer complaint received 2018-02-22
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: DISCOVER BANK (IN)

I HAVE SENT CREDIT BUREAU NOTARIZED AS WELL AS CERTIFIED LETTERS IN REGARD TO XXXX XXXX IN WHICH THE COMPANY DID A CANCELLATION OF DEBT AND I SENT IT TO THE CREDIT BUREAU AND YET THEY STILL REFUSE TO DELETE IT FROM MY FILE
Consumer complaint received 2016-02-10
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (CA)

I have had a CitiAadvantage card for years with Citibank. On XXXX I was told the bank declined my card. They have made no attempt to contact me, and when I check my account online it still shows that it 's open, and current with no overdue balance. I have tried repeatedly to call Citicard customer service to find out why, but they say they can tell me nothing. After several tries to reach upper supervisors ( and being hung up on once ) I was told it was " a security issue '' and that the only way to get a response was to mail them a letter and wait for a response. If there are security issues with my account or credit, I need to know in real time. Apparently there is an " executive response unit '' from which this information is mailed, but there is no way to reach them except by snail mail. The company 's refusal to provide me any information is unacceptable, and puts both my financial security & credit at risk.
Consumer complaint received 2022-10-15
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Albert Corporation (MA)

I have {$2500.00} in Albert Corporation bank, " not bank '' account. Since I can not access the account, I wish to close it and receive the balance of {$2500.00}. 

A representation from Albert keeps referring me and complaints to the customer service email, which has not responded to confirm about closing the account. 

I am unable to close the account via the Albert APP, which is my only account access. However I can not access my own funds.
Consumer complaint received 2022-07-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (LA)

I pay XXXX a month twords my loan. Moved my payment of XXXX to the XX/XX/XXXX. Now there trying to charge me XXXX Monday for no reason. I'm not late on any payments and you can not get incontact with the company. They don't answer phones. Emails or socal medias. I owed XXXX now it's jumped to XXXX. I only borrowed XXXX. You can't get a hold of anyone to figure anything out.
Consumer complaint received 2020-02-21
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: AFNI INC. (TN)

I filed a report with XXXX  over 30 days regarding fraudulent accounts. The account were not removed. I provided a police report and FTC report and nothing was done. I called back to XXXX  and spoke with XXXX at XXXX XXXX  on XXXXand he stated he would not file a dispute for the following accounts below : US DEPT OF EDUCATION US DEPT OF EDUCATION US DEPT OF EDUCATION XXXX  XXXX  XXXX XXXX  XXXX  XXXX
Consumer complaint received 2020-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch (WY)

I am now requesting the method you used to verify certain item. FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states that upon request you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to the business name and address of any furnishes of information contacted in connection with such information and the telephone number of such furnishes. As stated in FCRA 611 ( a ) ( 7 ) you must provide this information no later than 15 days after receiving this request. Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation AND your Method of Verification
Consumer complaint received 2022-07-23
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. (MO)

I just reviewed a copy of my credit report and there are some hard inquiries that I dont recognize. 

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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-21
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: SYNCHRONY FINANCIAL (NY)

I tried transferring a prepaid coupon gift card issued to me by Amazon.com to my Amazon Prime.com Card Store Card Account. amazon states they they can not do that and I would have to deal directly with the bank that services their Amazon Prime Store card accounts.

Amazon Prime Store card account is serviced by SYNCHRONY BANK.
Consumer complaint received 2019-10-14
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. (IL)

To Whom It May Concern : I XXXX XXXX recently pulled my credit from XX/XX/XXXX And upon me reviewing my credit report I stumbled across this BK REFERNCE # XXXX I wrote letters to the XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ON XX/XX/2018 in reference to this BANKRUPTCYMREFERENCE # XXXX. I received a letter from the Bankruptcy Court on XX/XX/2018 informing me that they do NOT perform activities with the credit bureaus. And informed me to contact the individual credit bureaus for their procedure for removing my bankruptcy filing from my report. So on XXXX XXXX I wrote to the 3 credit bureaus XXXX, EQUIFAX, & XXXX   informing them of the information the Bankruptcy Court gave me about them not performing any activities with the 3 Credit Bureaus. And on XX/XX//2018 I received a letter from XXXX informing me that they deleted the Bankruptcy from my credit file. I also have a letter from XXXX XXXX stating I have opt out and put a security freeze on my credit file on XX/XX//2018. I received a letter from XXXX AND EQUIFAX stating they 'VERIFIED '' the bankruptcy through a third party vendor called XXXX XXXX. When you can see with my upload documents I have a security freeze and opt out their services. So I wrote back to XXXX AND EQUIFAX giving them my BANKRUPTCY LETTER FROM THE COURT, XXXX XXXX SUPPRESSED/OPT OUT LETTER, XXXX  DELETED LETTER. I informed them also, they have failed to provide me with viable evidence, bearing my signature, showing this account is reporting accurately. Additionally, providing me with the name, address, and telephone number of each person who personally verified this alleged account. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I also informed them that am maintaining a careful record of my communication with them for the purpose me filing this complaint with the Consumer Financial Protection Bureau.
Consumer complaint received 2019-10-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CO)

I used my bank 's quick pay service ( By XXXX ) via my XXXX checking account to purchase football tickets this morning ( XX/XX//2019 ) that were advertised on XXXX. I transferred {$150.00} and the tickets were never delivered and communication then ceased. The phone number that was communicating with me was XXXX and stated their name was XXXX XXXX. The phone is an internet phone # that you are unable to call ... wish I would have tried that to begin with. Their email that I used to send the money was XXXX. I filed a complaint with XXXX   as well but my bank simply told me that there was nothing that they could do. This is a bank certified service allowing the transfer of funds from different institutions and there is nothing that they can do? I thought that I was protected here?
Consumer complaint received 2021-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pressler & Pressler, LLP (NJ)

I Mr.XXXX XXXX is having problems with a debt collection with Pressler & Pressler of having a substantial bill of XXXX with XXXX XXXX XXXX that was paid in full with my insurance company with XXXX Medicare during XXXX for my XXXX, This has been going on since XXXX until the present, I'am trying to closed on a house and I spoke to XXXX XXXX at XXXX fax # XXXX on Tuesday XXXX XXXX had said he want to resolve this issue, but I contacted The billing department of XXXX XXXX of whom is associated with XXXX XXXX XXXX the same day Manager name is XXXX number is XXXX whom sent my billing report that stated I owed XXXX balance, I immediately faxed to Me.XXXX XXXX and gave him several calls that and up til XXXX still no answer he and company Pressler & pressler seem as though they want me to pay for a bogus bill of what of which I owe nothing, I need to get this resolved asap, but no one has contacted me as of yet, Pressler & Pressler is located at XXXX XXXX XXXX XXXX , NJ XXXX , this is a bogus claim whom was file by a third party and I don't know who did it, but this issue is need to be cleared on my self asap, I need with this unlawful claim for it to be removed promptly.
Consumer complaint received 2020-02-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Phoenix Financial Services LLC (LA)

this ( phoenix financial services llc ) company recently added a collections to my credit report for a hospital debt from 2013 ( 7 years ago ) and showed it as a new debt. this dropped my credit score 20 points. I disputed this debt with the credit bureaus and it was removed. they then re added this debt this same debt to my credit report dropping it another 20 points. they are constantly calling me and harassing me stating they'll keep re reporting it to all major credit bureaus until I make some kind of payment. they are rude and relentless
Consumer complaint received 2020-02-21
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (GA)

Loan Depot agreed to refund my {$490.00} down payment to expedite this loan. This was on XXXX XXXX. I filed with the XXXX this was their response. However the interest I lost while my money was held. An investigation needs to uncover how many others have lost money under these pretenses. Shortly after receiving my down payment my loan was denied. I missed a mortgage payment from which I borrowed the money thinking my approval was imminent. I was turned down because of that late payment. Tried reaching out with a recommendation, to OK my application or reimburse my down payment plus interest compounded daily. After all they've made money on my money compounded daily from XX/XX/XXXX. As yet there has been no funds replaced on my card. Contact ; Loan Depot LLC ; XXXX XXXX  XXXX XXXX, XXXX XXXX, CA XXXX. Concerning Loan : XXXX # XXXX or Loan Depot LLC, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2021-04-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (AZ)

I have sent 3 letters, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to Cavalry Portfolio Service requesting they verify this debit. To date they have ignored my request and are still reporting this debit as collection on my credit reports. I did receive a letter when I made my first request, however, my request was completly ignored, in which I followed up with a second request and then a third. I have attached the letters I sent and the lame response that followed. Cavalry has refused to verify this debit and they have ignored my written requests to do so. Each month they report this on my credit reports they are in Violation of the Fair Credit Reporting Act by reporting inaccurate information and in Violation of the Fair Debt Collection Practices Act, continuing collection activity on a debt which has not been validated.
Consumer complaint received 2022-07-23
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: EQUIFAX, INC. (MO)

I just reviewed a copy of my credit report and there are some hard inquiries that I dont recognize. 

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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

I co-signed for my grandsons loan and now he is having problems making the payments. The company calls me 4 to 5 times a day and asks me when am I going to start making payments. I'm retired and can not afford to make the payments. My grandson currently lives with me and I'm trying to help him make his payments, but the only jobs he has been abe to get are landscaping which dose n't pay enough for him to afford to live on his own