davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I opened my new bank of America checking account in XX/XX/2018, at the same time, l ask about credit card, because l don't have SSN, So they recommend me cash reward, but l need deposit XXXX dollars, and they charge XXXX dollars for annual fee. But l saw this card few days ago website said no annual fee. So l call to the service center asked my XXXX dollars back, they told me you need pay for this because you don't have credit like that but l only can pay XXXX dollars that money which l deposit belong to me. I said if l received my SSN get need card can l get that XXXX dollars annual fee back they said no, if like that they shouldn't recommend me cash reward credit card, because l already get my check account.
Consumer complaint received 2022-08-16
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. (IL)

After XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. Experian failed to provided any copies of ANY original documentation as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Experian failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Experian failed to delete the UNVERIFIED items. 
XXXX XXXX XXXX XXXXXXXX -- 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 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 2020-02-05
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. (RI)

Recently applied for VA home loan and was told that I had some collection or derogatory marks which I did not recognize. I believe these accounts were opened fraudulently without my authorization. They are reporting as XXXX XXXX XXXX, 08 XXXX XXXX, 10 XXXX, 11 XXXX, XXXX XXXX. None of which I have ever done business with. Please help me rectify this matter and get it resolved in a timely manner.
Consumer complaint received 2018-11-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (CA)

CFBP  has assisted me with a previous complaint with Nationstar / Mr. Cooper ( file number XXXX. ) That incident was rapidly resolved by CFBP. 

However, Nationstar / Mr. Cooper has, one again. issued 2 new checks that are in my name and my sisters name. 

As the previous problem had been that my sister and I do not share a banking account. Despite the fact that I had fulfilled Nationstar / Mr. Cooper demands that I provide proof of my payments, a letter from my sister that she has no interest in any funds refunded, a letter from my banking institution that they can not accept any deposits for any checks without my sister being on the account and that the problem was not resolved until CFBP stepped in, leads me to the conclusion that Nationstar / Mr. Cooper has no intention of issuing any further checks in mt name only. 

Please contact Nationstar / Mr. Cooper regarding the issue with any fund checks regarding my former account with them. 

Thank you I have attached a copy of the two new checks from Nationstar / Mr. Cooper
Consumer complaint received 2023-04-01
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. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, has violated my rights. 
XXXX XXXX XXXX : # XXXX, has violated my rights. 
XXXX XXXX XXXX : # XXXX, has violated my rights. 
XXXX XXXX XXXX : # XXXX, has violated my rights. 
XXXX XXXX XXXX : # XXXX, has violated my rights. 
XXXX XXXX XXXX : # XXXX, has violated my rights. 
XXXX XXXX  : # XXXX, has violated my rights XXXX XXXX XXXX : XXXX, has violated my rights. 
XXXX XXXX XXXX  XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX  : XXXX, has violated my rights. 
XXXX : XXXX, has violated my rights. 
XXXX : XXXX, has violated my rights. 
XXXX XXXX XXXX : XXXX, has violated my rights. 
XXXX XXXX XXXX : XXXX, has violated my rights. 
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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

None of the above accounts exist on my XXXX or XXXX credit reports. I have attempted numerous times to correct this with Transunion. I requested a review of the XXXX accounts using the CFPB platform for both XXXX and Transunion. The result from XXXX was to delete the accounts while Transunion continued to report them, how can this be accurate? Transunion is not consumer centric nor does it follow consumer rights law.
Consumer complaint received 2019-05-07
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Professionals, Inc. (Macomb, IL) (IL)

On XX/XX/2019 I received a notice from Collection Professionals , Inc. regarding a past-due balance from a medical provider in the amount of {$580.00} relating to a visit that I paid-in full for on XX/XX/2019. I sent a dispute letter on XX/XX/2019 via XXXX overnight courier to Collection Professionals , Inc. located in XXXX, IL. On XX/XX/2019, XXXX with Collection Professionals , Inc in XXXX, IL signed for the overnight letter on XX/XX/2019. On XX/XX/2019 Collection Professionals, Inc. submitted this account to XXXX  AFTER they received my dispute notice causing my credit to suffer negatively BEFORE they provided any information on the account to me.
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-08-16
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. (FL)

This is another COMPLAINT to notify you of unknown record on my file. When I reviewed my credit report, I was confused by unknown information appearing on it. It is very important to keep an accurate credit file. There is BANKRUPTCY that was NOT MINE.. I contacted the Florida XXXX Bankruptcy Court located at XXXX XXXX XXXX United States Courthouse, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, FL XXXX Phone number was XXXX regarding this matter. The court has DISCHARGED this Bankruptcy because I was not the one that filed this public record. Please remove this bankruptcy from my credit report now! This has caused me nothing but trouble! Thank you. 
Bankruptcy XXXX  XXXXdischarged US BKPT CT FL XXXX Filed on XX/XX/2021 Reference number : XXXX ; Discharged XXXX : Bankruptcy Filed on XX/XX/2021 Reference number : XXXX ; XXXX  XXXX Bankruptcy : Bankruptcy Filed on XX/XX/2021 Reference number : XXXX
Consumer complaint received 2019-01-24
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I opened a Capital One 360 Money Market account on XX/XX/XXXX using promotion code XXXX, and fulfilled the requirements of this offer with cumulative deposits as of XX/XX/XXXX. Although the required 60 days have passed. Capital One contends I am ineligible for the {$500.00} incentive due to not depositing {$50000.00} all at once. However, the terms of the offer were plainly written and do not require the deposits to be made all at once : " Here 's the full scoop on how to earn your {$500.00} bonus : Open a 360 Money Market account and deposit at least {$50000.00} between XXXX XXXX ET on XX/XX/XXXX, and XXXX XXXX ET on XX/XX/XXXX. When you open your account, enter your promotional codeXXXX. ( Please do not share this code with others. ) Deposits must be from another bank ( transfers between Capital One accounts will not qualify ). '' My deposits were in excess of {$50000.00}, came from external banks, and were completed on XX/XX/XXXX. However, the incentive was not deposited even though it has been more than the 60 days required in the terms. 

I wrote to Capital One by mail on XX/XX/XXXX and again on XX/XX/XXXX, but have not received a response.
Consumer complaint received 2019-01-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

i do not know what this debt is, i never opened a XXXX  account in XX/XX/2018, i did an XXXX  dispute and they wont take it off my credit report. i've had XXXX  for 7 years. 

Account Name Original Creditor Open Date Balance Debt Contact Information XXXX  XXXX XXXX  XXXX XXXX XXXX XX/XX/2018 {$730.00} {$730.00} XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Consumer complaint received 2019-01-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I am attaching a copy of the investigation request that I sent to the credit bureaus on XX/XX/XXXX. They were supposed to respond within 30 days, but they have not.
Consumer complaint received 2019-01-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I am attaching a copy of the investigation request that I sent to the credit bureaus on XX/XX/XXXX. They were supposed to respond within 30 days, but they have not.
Consumer complaint received 2018-02-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have been contacted repeatedly by Portfolio Recovery Associates in regards to account XXXX, this account is over 7 years old, and should no longer be on my credit report. They have illegally re-aged this account to make it appear newer. When I wrote to them asking for validation, I did not receive a response. They call me from different numbers numerous times a day, and will not stop. I am attempting to get my finances organized, and their attempts to collect a debt past the statute of limitations, and their illegal re-aging of the account are preventing this from happening, and I do not feel this is fair.
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-08-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

The company credit card Synchrony bank is the credit card option with XXXXXXXX XXXX. I made a purchase with them XXXX Spaces, which included furniture, and accessories. The accessories were going to be delivered via XXXX, not with the furniture. When I realized this I called the store the following morning ( XXXX XXXX ) after making this purchase to cancel the accessories because the shipping address was not a safe location. I assumed they would be delivered with the furniture at first but when I realized I canceled them within 24 hours. I spoke with them they confirmed via phone that they were canceled and advised me I would get an email. The following day I called XXXXXXXX XXXX again to advise that I had not gotten the cancelation email again they confirmed the items were canceled. Come XXXX weeks later and they are charging me for these items. XXXXXXXX XXXX admitted to making an error, and on top of that, I was never emailed any tracking information until I contacted them about the charge 3 weeks after the items were delivered. I advised that I was not at that address which is why I canceled them initially. XXXX XXXX  did not want to help so I contacted Synchrony Bank and filed a dispute. Synchrony bank was also no help they never sent me a letter or email. When filling the claim the claims department has no proper way of you submitting evidence. Now they are charging me for items I have never received over {$500.00}! I need help this credit card company has no real process in addition on their website there is no proper way to view claim status. Please help me!
Consumer complaint received 2019-09-17
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. (IN)

I am inquiring about XXXX XXXX Acct # XXXX. Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) and provide me with the date of first delinquency, the FCRA compliance date and the name of the party who reported the date of first delinquency.
Consumer complaint received 2023-01-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hollis Cobb Associates (GA)

This account was placed on a payment plan. I contacted XXXX to inform them I was a victim of identity theft and I am waiting on new cards. The following month, I paid the balance off in full. I am not receiving non stop calls from a collection agency harrasing me to paid a debt that has been paid in full! Authorization code is : XXXX
Consumer complaint received 2022-08-16
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX, XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2019-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maury Cobb, Attorney at Law, LLC (IL)

In XXXX, i cancelled my account due to moving back to XXXX XXXX for 6 months. 
So i made sure i do not owe them anything before i close my account. I called them to make sure to close my account when i left. 

In XXXX, i found out that they charged me till XXXX which i cancelled already. So i contacted XXXX but my account was closed. I was not able to login since it was closed so i sent them an email stop charging me the service that i do not use and the account that they already closed. 

And today, i got a call from debt collector that i owe them XXXX dollars which does not make sense. 

So i contacted XXXX and they knew it was their mistake but they already sold this case to a debt collector so they cant do anything. 

I never used any service between XX/XX/XXXX- XX/XX/XXXX and i was not even in a country. I called several times to make sure my account is closed and they closed it since i was not able to login to my account at all. 

I would like to make sure this debt that i do not owe affect my credit and i will not pay a dime for service that i did not used and caused because of company 's fault. 
Please help me out!
Consumer complaint received 2022-08-16
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. (TX)

To : Consumer Financial Protection Bureau, Experian is continuously incompliances of the Federal Law, as the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you
Consumer complaint received 2019-09-17
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)

TRANSUNION, XXXX  AND XXXX HAS ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MINEAND INACCURATE. 
ACCOUNTS : XXXX XXXX XXXX NOT MINE, PLEASE DELETE XXXX   XXXX XXXX NOT MINE, PLEASE DELETE XXXX- NOT MINE, PLEASE DELETE XXXX XXXX XXXX XXXX NOT MINE, PLEASE DELETE
Consumer complaint received 2019-09-17
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 Consumer Financial Protection Bureau, CFPB : XXXX  XXXX is refusing to make PROPER CORRECTIONS, AND CFPB HAS TO REGULATE XXXX XXXX XXXX THAT IS FALSELY REPORTING DELINQUENCIES ON XXXX XXXX XXXX ACCOUNT IN ERROR. I DO NOT OWE XXXX XXXX XXXX {$27000.00}, THE PAYMENT CONFIRMED RECEIVED AND POSTED TO XXXX XXXX ACCOUNT, I WENT WITHOUT THE MONEY, AND THE FUNDS WERE AVAILABLE IN THEN-XXXX XXXX XXXX ACCOUNT. 

MOST IMPORTANT, I AM WRITING REQUESTING FRAUD ALERT ON MY CREDIT REPORT AND XXXX   XXXX ACCOUNT, AND TO HAVE UNVALIDATED DEBT ( THAT I DO NOT OWE ) REMOVED FROM 3 CREDIT BUREAUS AND XXXX IF REPORTED ( REMOVAL OF {$270.00} DEBT BALANCE-ally bank ). 

I DO NOT OWE XXXX XXXX XXXX {$270.00}. I have included the payment history, and PAYMENTS HAVE BEEN FAITHFULLY AND TIMELY MADE WITHIN 10 days of the 30th of each month since THE VERY BEGINNING ( initial purchase date of XX/XX/XXXX, 2018-Saturday ). 

XXXX XXXX AND XXXX XXXX XXXX is reporting my ACCOUNTS as delinquent when the account is NOT DELINQUENT NOR LATE ( A TOTAL OF 14 PAYMENTS TOTALLING {$11000.00} HAS BEEN PAID TO XXXX XXXX XXXX ON TIME AS SCHEDULED ). THE ADVERSE CREDIT REPORTING ( IN ERROR ) IS AFFECTING MY XXXX  CREDIT SCORE. Please have XXXX XXXX XXXX remove ALL DELINQUINCIES FROM ALL 3 CREDIT BUREAUS ( XXXX, XXXX, AND EQUIFAX ). Please Note : MY TRUE CREDIT SCORE IS XXXX ACCORDING to XXXX, and on XX/XX/XXXX, XXXX, XXXX is reporting MY CREDIT SCORE AT XXXX? PLEASE TAKE CORRECTIVE ACTION. I HAVE BEEN LEGALLY ADVISED NO FURTHER PAYMENTS WILL BE MADE UNTIL THE CORRECTIONS ARE PERMANENT. IF I AM MAKING MY PAYMENTS ON TIME AND GOING WITHOUT THOSE AMOUNTS OF MONEY ( {$11000.00} ), THEN THAT SHOULD BE ACCURATELY REFLECTED ON MY CREDIT REPORT TO ALL 3 CREDIT BUREAUS. MOST IMPOTANT, XXXX XXXX XXXX HAS ALLOWED BANK FRAUD TO TAKE PLACE ( MISAPPROPRIATION OF MY AUTHORIZED FUNDS IN THE AMOUNT OF {$270.00} ) AND ARE TRYING TO EXTORT DUPLICATE PAYMENTS FROM ME. 

Sincerely and Respectfully, XXXX XXXX XXXX   Phone : XXXX Email : XXXX XXXX
Consumer complaint received 2015-08-31
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (MD)

As a result of a disputed and re-disputed transaction with XXXX involving XXXX credit card companies, Chase Credit card company deemed the transaction to be valid and now bills me for the disputed amount {$5200.00} plus interest which I strongly disagree with. The XXXX credit card company credited the amount of the disputed transaction submitted to them and has closed the matter. We never used any member product or member service at XXXX XXXX XXXX despite numerous attempts to book travel with them online because of dramatic inconsistencies with what was presented to us compared to online illustrations for actual bookings. The transaction resulted from a sales presentation that used bait and switch tactics representing prices and services that were not offered or available to members who tried to book services online after membership enrollment. These tactics were used to consummate the sale and smack of fraud. After membership enrollment, I could not access any services online at prices remotely represented in the sales talk. In fact, online XXXX per Diem prices were two, three and four times the average daily rates described in the sales pitch. Actually when NOT booking through XXXX, I found the same vacation stays priced more economically than online prices quoted by XXXX to their members. Also, incentives included in the membership such as a " dream vacation week '' were impossible to to reserve as dates and destinations could not be accessed as far as 1 and a half years out. Flight discounts excluded non-stop and one stop flights and air discounts touted were off the full price fares not wholesale rate discounts described in the travel club sales pitch. Once I digested all the issues connected to XXXX membership, there was no economic advantage to continue the relationship. The membership was sold as prepaid discounted vacation stays and instead would be travel costs were spiked to well beyond reasonable and totally outside the scope of the offering in the sales pitch. In fact, actual rates make the offering cost prohibitive.