davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I had an open credit card account at XXXX XXXX. 
It was charged off for non-payment. 
However, I made a repayment agreement with XXXX XXXX to pay off the debt in 12 monthly installments. I was told that this information would be reported to the Credit Bureaus ( XXXX, XXXX, and Experian ) regularly and accurately. I was also told that I could not be given written confirmation of this agreement.

I have made the payments agreed upon. ( The agreements I made over the phone can be found here as I recorded my conversations while located in the state of New York : https : XXXX? XXXX ) However, XXXX XXXX is still reporting that I have not paid any of these accounts as agreed. 
I made an attempt to dispute this information with both the Credit Bureaus and XXXX XXXX  on XX/XX/2020. I was told by XXXX XXXX  that they have reported this information accurately and that I am not entitled to have my credit reports updated with the payment agreement information or showing that the payments have been received in full and on time.
Consumer complaint received 2023-03-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} this process is will be considered a follow-up complaint
Consumer complaint received 2017-05-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: John C. Heath, Attorney at Law, PLLC (PA)

I was working with Lexington Law Firm 's and they told me that the amount of  XXXX  and  XXXX  was taking of my account but here it was n't off my credit, so i called Lexington Law Firm 's and they told me, for me to get any information i would have to pay again. A year i paid them  XXXX  a month and i cant get no help from them, what do i do to get the amounts of my credit that Lexington Law Firm 's told me they did ... .and how can i get my money from Lexington Law Firm 's since they didnt do the job that i paid them for.
Consumer complaint received 2020-02-23
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 have several inaccurate statements on my credit report including several accounts that do not belong to me. Am I a victim of identity theft or is this a mistake? 

XXXX XXXX - Opened XX/XX/XXXX - $ XXXX| XXXX XXXX - XX/XX/XXXX - $ XXXX| XXXX XXXX - XX/XX/XXXX - $ XXXX| XXXX XXXX - XX/XX/XXXX - $ XXXX| XXXX XXXX - XX/XX/XXXX - $ XXXX| XXXX XXXX - XX/XX/XXXX - $ XXXX| XXXX XXXX - XX/XX/XXXX XXXX $ XXXX| XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX $ XXXX|
Consumer complaint received 2021-03-08
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. (AR)

XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX RE : Account # XXXX Hey guys, I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. TIA
Consumer complaint received 2019-09-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MI)

This is an ardent plea for Consumer Protection Financial Bureau to assist us in this dishonest company.. We are seek and tired to dealing with this issue month after month this scrupulous company yet again. 
As usual this fraudulent and dishonest company has failed to proper apply our invoice payments for XX/XX/XXXX and XX/XX/XXXX thereby creating an over stated invoice amount of {$3000.00} for XX/XX/XXXX. Let the attached documents confirm that invoices for XX/XX/XXXX and XX/XX/XXXX were timely and completely paid which should not have resulted in late fees and additional interest charges. 

Let the attached bank records show that Exhibit 1 is for XX/XX/XXXX payment made on XX/XX/2019 for $ XXXXvia Chase Bank  XXXX and on XX/XX/2019 for {$600.00} via XXXX XXXX XXXX TOTALLING {$1800.00}. Exhibit 2 shows XX/XX/XXXX Payment was made on XX/XX/2019 for {$1200.00} via XXXX XXXX and on XX/XX/2019 for {$600.00} via XXXX XXXX XXXX XXXX TOTALLING - {$1800.00}. This information was communicated to your office on my letter dated XX/XX/XXXX and you still failed to properly apply the payments. 

In light of the above information and attached bank statements this confirms complete proof of payment for XX/XX/XXXX and XX/XX/XXXX invoices. Mr. Cooper needs to update their records and remove all illegal late fees and illegal additional interest fees immediately. The account needs to be adjusted instantly to show that payments are current and no fees are owed on this account. 
In the meantime, please be informed that XX/XX/XXXX payments will be made on XX/XX/2019. We await your prompt attention to this vexing matter so that it could be resolved once and for all..
Consumer complaint received 2020-02-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

I have complained to cfb Complaint # XXXX-XXXX and the company returned the request that they were not the appropriate company to address my issue, but they are foreclosing on my home through the law firm of XXXX, XXXX  XXXX XXXX under the name of XXXX, but XXXX  is on the Assignment of the Mortgage and JPMorgan Chase bank is the servicer. 

It is impossible for me to know which company is foreclosing on my home. The documentation is in question and the endorsement of the assignments have been endorsed by XXXX XXXX XXXX and XXXX XXXX XXXX which the US Attorney General has fined and forbidden the firm to act or continue to be involved in the foreclosure of properties unless certain criteria is being met. 

There is no note, and the Certificate of Merit presented to the U.S. Supreme Court by the plaintiff 's attorney, XXXX, XXXX, ( XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX ) documents may possibly contain forged signatures and robo-signing and the company on the Assignment of the Mortgage, XXXX, denies that they are responsible for the foreclosure sale on my property. 

My question is that as a consumer, do I have the right to know the company foreclosing on my home. Is it XXXX, XXXX , XXXX XXXX or JPMorgan Chase Bank.
Consumer complaint received 2020-02-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

Portfolio Recovery Associates made racist remarks and told us that we couldn't prevent collection calls to cell phones before XXXX XXXX. They clearly hate members of special groups of people. They threatened to tear our lives apart by dragging us through the courts for debts that aren't even proven. They are threatening us over and over again. We fear they will retaliate against us. They are forcing us into bankruptcy. We have hired an attorney for the BK.
Consumer complaint received 2020-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I applied for Bank of america travel rewards visa signature credit card online. But i come to know that it is rejected with the following reasons : Too many accounts were recently opened Limited deposit and/or investment balances with us and/or our affiliates. This is so weird and strange reason, as they themselves has mentioned that my FICO credit score is XXXX ( XXXX  ). On the 3rd page the reasons provided are not in sync with the reasons provided on the first page. I am attaching this letter. I have no loans or debts- i am wondering - what exactly Bank of america is looking for? Moreover it's is this bank of america which is providing me this offer at XXXX  XXXX and it states " GOOD APPROVAL ODDS '' if i apply for it. It doesn't seems to be fair and good business practices as first you provide the offer to the potential customer and then deny their application. In this process - you have put a hard inquiry in the credit file also. Regarding " Limited deposit and/or investment balances with us and/or our affiliates. '' - i have Business and personal credit card with Bank of america - so i have no idea what they are talking about
Consumer complaint received 2020-02-23
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- INSTALLMENT LOAN -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.
Consumer complaint received 2020-02-23
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 am a victim of identity theft. My confidential documents like m Social, Birth Certificate, Checking Account Information and my kids documents were stolen in XXXX. I noticed a number of accounts when I pulled my credit report in XX/XX/XXXX. I filed 4 identity theft reports in order to be able to include all fraudulent accounts, as well as, a police report. I have mailed the first ones to the credit bureaus. The original to XXXX  a copy to XXXX  and Experian thinking the issues would be resolved. I have filed new and updated reports today and have attached them to this complaint. 

I have listed the accounts that are a result of fraud 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 ) XXXX XXXX XXXX ( XXXX XXXX  ) INQUIRIES ARE 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 2023-03-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2020-02-23
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. (FL)

I am a victim of identity theft. My confidential documents like m Social, Birth Certificate, Checking Account Information and my kids documents were stolen in XXXX. I noticed a number of accounts when I pulled my credit report in XX/XX/XXXX. I filed 4 identity theft reports in order to be able to include all fraudulent accounts, as well as, a police report. I have mailed the first ones to the credit bureaus. The original to XXXX  a copy to Equifax and XXXX   thinking the issues would be resolved. I have filed new and updated reports today and have attached them to this complaint. 

I have listed the accounts that are a result of fraud 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 XXXX ( XXXX XXXX )  XXXX XXXX XXXX ( XXXX XXXX ) INQUIRIES ARE THE 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 2020-02-23
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- INSTALLMENT LOAN -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.
Consumer complaint received 2020-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

The Equifax website provides no means for actually contacting their support, and for two years now my Equifa credit report jhas not been available online through the XXXX XXXX XXXX website. Equifax merely reports that the credit report is not available online, and then requires an onerous process by mailing a form and documents.

I have had no such problem with either of the other two credit reporting agencies.
Consumer complaint received 2020-02-23
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. (UT)

Equifax and CFPB are ignoring ( attached ) is a letter from XXXX XXXX setting forth they pulled my credit in error. 
Step One, Equifax tells me to contact XXXX XXXX if I believe my credit was pulled in error. 
Step Two, I contact Equifax advising I have contacted XXXX XXXX. Equifax responses if there was a mistake XXXX XXXX would send me a letter. I advise I have such a letter from XXXX XXXX. Equifax asked to send them XXXX XXXX 's letter. 
Third, Equifax ( upon receipt of the creditor 's letter ) circles back to Step One and asked me to contact XXXX XXXX if I believe the creditor pulled my credit in error. 
I contacted the CFPB ( Case XXXX-XXXX  ). I attached Equifax 's letter and XXXX XXXX 's letter. Equifax circles back to Step One and replies to contact XXXX XXXX if I believe the inquiry was in error. 
CFPB closed the prior case as if somehow Equifax 's circular responses ( to contact XXXX XXXX ) makes sense.
Consumer complaint received 2020-02-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A. (NH)

XX/XX/XXXX I once again contacted Citi Bank for taking {$12.00} monthly fee from my account. 
Twice I have submitted the form Citi sent me to verify my account information, direct deposit, and direct payment. TWICE!!!!!! 
I made the follow up call one week after sending the form back to CitiBank. 
I was told everything was in place. 
Now XX/XX/XXXX another {$12.00} monthly fee was deducted from my account. When I called the man ( XXXX - I think that was the name he gave ) insisted I did not meet the criteria, yelled at me and refused to speak any further. I requested a supervisor. I spoke to supervisor XXXX, ID XXXX. She said the direct pay would NOW be on a permanent basis and from here forward I would not be charged a monthly fee. 
I have been told this exact same thing for several years now. Only after a few months of no fees for the fees to be put back on my account and Citi delete my direct pay instructions. CITI DELETED MY DIRECT PAY WITHOUT MY KNOWLEDGE!!!!! 
This has occurred since XXXX!!! 
I have to call again every time I see monthly fees reappear and then Citi refunds the monthly fees. 
CITI HAS NO RIGHT TO REMOVE MY DIRECT PAY AND THEN SAY I DONT MEET THEIR REQUIREMENTS OF PROPER AGE AND HAVING DIRECT PAY. 
CITI IS DOING THE SAME THING TO PEOPLE AS XXXX XXXX DID!!!! 
CHANGING PEOPLES ACCOUNTS WITHOUT THEIR PERMISSION!!! 
THIS TIME I WANT FEDERAL BANKING FRAUD CHARGES FILED AGAINST CITI IN MY NAME!!! 
The document I attached was received after the first mailing of CitiBanks required documentation. Within that letter was another copy of the document I had already filled out and sent back. 
I filled it out once again and mailed it again to the address provided.
Consumer complaint received 2020-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I applied for Bank of america travel rewards visa signature credit card online. But i come to know that it is rejected with the following reasons : Too many accounts were recently opened Limited deposit and/or investment balances with us and/or our affiliates. 

This is so weird and strange reason, as they themselves has mentioned that my FICO credit score is XXXX ( XXXX  ). On the 3rd page the reasons provided are not in sync with the reasons provided on the first page. I am attaching this letter. 

In XX/XX/2019, I paid off my entire mortgage loan and having score of XXXX - i am wondering - what exactly Bank of america is looking for? 
Moreover it's is this bank of america which is providing me this offer at XXXX  XXXX and it states " GOOD APPROVAL ODDS '' if i apply for it. 

It doesn't seems to be fair and good business practices as first you provide the offer to the potential customer and then deny their application. In this process - you have put a hard inquiry in the credit file also. 

Regarding " Limited deposit and/or investment balances with us and/or our affiliates. '' - i have Business and personal credit card with Bank of america - so i have no idea what they are talking about