davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-30
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. (AZ)

Equifax and XXXX are reporting incorrectly a collection/charge-off on the XXXX XXXX XXXX  original creditor XXXX XXXX XXXX XXXX AZ account number XXXX. ( Please see page attached from my credit report. ) This account was included in the bankruptcy which was discharged on XXXX. ( Please see page attached. ) XXXX is reporting correctly. This incorrect reporting of a collection/charge-off is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-09-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia (CA)

I cancelled broadband internet service with XXXX in XXXX of 2019. I received a large bill in XXXX of 2019. I spoke to XXXX on the phone and was assured that bill was incorrect. I was told to wait for the next billing cycle and my account would adjust and show a zero balance. 

In XXXX 2019 I received another bill with a lesser amount due. I called XXXX and discussed the account with a billing representative. The representative told me the bill was incorrect and I should receive a zero due statement shortly. 

In XXXX I received a letter from XXXX advising me of a past due bill. On XXXX XXXX, 2019, I called and spoke to a representative named XXXX who assured me the issue was fixed and I did not owe the money. 

On XX/XX/2019 I received a notice from a collection agency, Credit Control Corporation, requesting payment. 

I again spoke to XXXX on XXXX XXXX, 2019. Frontier now tells me that I owe the money but they acknowledge that the account notes say I was told I don't owe the money. 

I am very upset that XXXX sent my account to collections while telling me I did not owe them money.
Consumer complaint received 2023-02-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have requested documentation of an alleged account in question that is being reported inaccurate and incomplete to the consumer agencies. on XX/XX/2022 I requested that they provide actual proof of account XXXX from bank of america along with any IRS profit and loss write off form 1099c. Have not heard, back from XXXX XXXX at Bank of america. 
this is a violation under FCRA law : Sec. 623. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2019-04-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: MIDCOUNTRY FINANCIAL CORP (IN)

The Phantom Debt Collector Scheme is what happened. The ordeal started in XXXX, and has caused severe consumer injury. In fact the mishap cost me my career. I am still in the process of gathering all the details. I do have the original  contracts, bank  statements, and L.E.S. statements show how finances were deducted. By the time I realized what was happening it was to late to fix from my geographical location. The criminals tried to frame me for the crimes committed against myself and the United States-XXXX. I was put into a XXXX status for 4 months in XXXX XXXX, and found out that I was XXXX. 
Pioneer Service " XXXX '' XX/XX/XXXX : - {XXXX} XX/XX/XXXX : - {$XXXX} XXXX - {XXXX}  XXXX - {$XXXX}  XXXX - {$XXXX} XXXX - {$XXXX} XXXX - {$XXXX}  XXXX - {$XXXX}  XXXX - {$XXXX} XXXX - {$XXXX} XXXX - {$XXXX} XX/XX/XXXX : - {$XXXX} XX/XX/XXXX - {$XXXX} XX/XX/XXXX to XXXX XX/XX/XXXX=- {$XXXX} loss of remainder of sign on bonus : - {$XXXX} Total loss : - {$XXXX}  ( Loss of XXXX Career priceless ) I was XXXX  on XX/XX/XXXX. I have tried to fix this ever since. Each time my technology gets hacked or broken and the process ends. In XXXX the Veterans Affairs awarded me XXXX for the XXXX associated with being XXXX  from my career prematurely. Also in XXXX 7 days later in another state the FTC  was shutting down the Phantom Debt Collectors that had harassed me since XXXX 's first  payday loan. Each debt seemingly went into several collections agencies that were connected to military debts. ( Pioneer Services  & XXXX ) XXXX XXXX loan discharged XX/XX/XXXX + {$XXXX} I have receipts for phantom debts that I have paid that were not actual debts. Total loss is still being calculated. It should not be this hard to get something cleared up, and/or this long to be addressed with the consumer that has been/is being targeted by aggressive criminals-debt collectors. 

XX/XX/XXXX The Phantom Calls began again triggering me to discover new evidence solving an 11 year old mystery for me. What really happened in XXXX, XXXX during XXXX was very damaging to our missions. I'm still working all the issues out. Per my calculations the Phantom Debt Scheme has stolen thousands of dollars from me then dismantled me financially, and threatened to imprison me if I ever told anyone. Here it is 11 years later, and I finally understand what happened. I was targeted by highly skilled professionals, victim, framed for crime, and someone went to extreme measures to cover it up. 


XXXX XXXX Veteran
Consumer complaint received 2018-09-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (FL)

Due to financial issues, I looked into and decided to work with a debt consolidation/relief company. Before missing any payments on any of my accounts, I updated all contact information with the debt relief company 's name and phone number and closed all the accounts included in the program. All of the accounts except the ones with XXXX XXXX began working with the debt relief company. Once the collections calls started coming to me from XXXX, I would answer them and inform them that I was participating in a debt relief program and that they should contact them directly. They insisted that they wouldn't and that the calls wouldn't stop until I made a payment. There were days that I received up to 12 calls from XXXX XXXX   until I started blocking the numbers I recognized were from their office. I have a few accounts in collections with them and I began answering one out of every five calls I got to remind them of the situation and let them know that they should be contacting the debt relief company. Today I answered an unknown call on my cell phone and told the lady the same thing, that I'd entered into a debt relief program and she told me that they would keep calling me until they received a payment. She also said that my account was going to be charged off after 5 months and asked if I wanted that and told me that it would negatively impact my credit. I have all of my phone records from XXXX showing the excessive number of calls I've received. For example, on XX/XX/18 alone I received 7 calls and those were only the ones that weren't from numbers that I had already blocked.
Consumer complaint received 2018-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (NE)

I purchased home in

XX/XX/XXXX. In the start of XX/XX/XXXX I tr
ied to remove PMI, had multiple attempts through calls and emails and never got a clear answer why I could not remove. 
In XX/XX/XXXX, Escrow statement sent, shortage, needed to pay in full {$3800.00} or it would be spread over 12 months combined with the increased new payment added {$630.00} each month. 
I have an excellent credit score and  trying to keep that integrity as well as maintain payments so I can live in my home. I find this 64 % increase unacceptable and hard to believe its legit. I have called, emailed and went to this lenders website. I have experienced " number not in use '' messages, extremely busy messages, and also 2 live calls resulting in being put on hold and promised when the supervisor is free they would call back, but never have. Recently, I have been sent automated emails on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all stating the same thing that they are waiting to hear from me. I did get a reply but that individual stated " I'm sorry that was an automatic email that's going out. They haven't turned them off yet. I am no longer originating loans for ( ), they are closing the XXXX office. You may want to go to XXXX for the lowest rates in your area right now ''. 
So I can't get in touch to discuss and now I question how accurate and legal this all is. I did XX/XX/XXXX payments to cover the shortage and new payment, but I would like this matter looking into and get some clarity on why such a dramatic change. Thank you.
Consumer complaint received 2023-01-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: SANTANDER HOLDINGS USA, INC. (NJ)

In XX/XX/2019 I requested Santander Bank to close my account. I was informed that my account will be closed shortly. Unfortunately, it recently became clear to me that Santander did not close the account until the account went negative by over {$1100.00}. And the entire negative balance is almost exclusively late fees and interest rate and overdraft fees that never would have incurred if Santander had closed the account as they promised to do. 

For years since this, I have been unable to get a checking account anywhere in the United States and it has affected by economic mobility.
Consumer complaint received 2019-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (TX)

- I had applied for a Credit card through American Express due to the lucrative offer of obtaining a bonus of XXXX points after spending {$5000.00} - I applied on XX/XX/2019 and achieved the goal of spending the {$5000.00} around mid-may - The welcome bonus did not show up in my account at any point so I opened a chat with American Express to find out why this was - They informed me they had denied the bonus due to being ineligible. 
- I asked them why and they would not provide a specific reason as to why. 
- I was at no point ever informed that I was ineligible for the bonus and the application proceeded to approval without any communication that I would not receive the welcome offer. 
- I was told that the account had been reviewed after approval and at that point, the welcome offer was removed from the application. I was also told that it was not required that I would be informed of this. 
- Under the impression of being elgible, I met the spend and proceeded as normal. 

It is to my impression that this should be considered fraud as I submitted my application under the influence that I would receive the welcome bonus given I met the terms of the agreement. I was also told that regardless of not being informed that I am still being denied the bonus. I never would have proceeded with the application if I had known I was inelgible for the bonus.
Consumer complaint received 2018-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MS)

from around XX/XX/XXXX my mortgage has changed from one company to another I did not know who had the mortgage from time to time a company would send me a letter saying they were foreclosing on my house and i would send them a QWR Qualified Written Request and would never receive the information demanded of them and now I believe the XXXX XXXX XXXX XXXX XXXX is claiming ownership of the mortgage I mailed them a QWR via certified mail dated XX/XX/XXXX ( see attachment ) demanding their Standing to Foreclose and other certain factual information in which I have not received
Consumer complaint received 2019-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I need to replace a card and ask a few account related questions. However, I can't easily do this as there is no email address, message center, or chat feature on their website. I have trouble hearing, so a phone won't work.
Consumer complaint received 2023-01-27
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: LEXISNEXIS (MD)

XXXX is reporting an unverified incorrect erroneous bankruptcy on my credit report i have disputed the bankruptcy and they claimed to have verified it with LexisNexis why are you supplying your client in accurate unverified information i would like you to fix that since my report has no bankruptcy being reported on there i submitted a previous request to investigate and i was told that it was investigated and i had to be authenticated to be sent the results which i was i will be attaching a copy of the letter and a copy of my report showing no bankruptcy being reported on there so why are u supplying incorrect info to your clients
Consumer complaint received 2023-04-16
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: EQUIFAX, INC. (IN)

XXXXXXXX XXXX XXXX XXXX. has reach out to me concerning a credit card collection .This is against my consumer rights. 
15 U.S.C. 1681 section 602 A. State 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 an account without my written instructions.

15 U.S.C. 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate in connection with the collection of any debt.
Consumer complaint received 2023-04-07
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. (FL)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX  XXXX Balance : {$6400.00}
Consumer complaint received 2019-06-11
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. (GA)

I am writing to challenge the reporting and compliance on these accounts with -XXXX  XXXX XXXX -XXXX XXXX - XXXX XXXX  XXXX XXXX APTS -XXXX XXXX XXXX APTS -XXXX  -XXXX XXXX APTS These companies are reporting on my credit report with incorrect/missing info. 

More specifically, I am referencing the fact that you are reporting a incorrect account numbers There improper procedures are highly damaging to my credit report to my credit score. 
Please immediately delete this items.
Consumer complaint received 2023-04-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-07
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. (PA)

This complaint is my follow-up to my previous complaint. These items are needed for deletion immediately and this complaint is to notify you to remove these items. 
XXXX XXXX XXXX  XXXX XXXX XXXX, PA XXXX XX/XX/2020 XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

XXXX, equifax, XXXX, Credit companies are not complying with their own policies within a timely manner, on XX/XX/2022 I contacted the above companies regarding multiple account inaccuracies including a XXXX consumer account showing {$10000.00} balance and inquiries including XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have yet to receive in response.
Consumer complaint received 2023-06-12
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. (HI)

I have a few accounts thats showing in my soft credit report when it was pulled and it is showing that it is open. But wen I called all XXXX credit bureau they said its showing on there end as closed and or charged off in full. Im requesting to get my report cleared and off my credit report so I can get ahead in life and make a future. I contacted the company but no responses. Im requesting to clear all open accounts thats suppose to be closed cleared and off my credit report. I will attach attach credit report.
Consumer complaint received 2023-04-07
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. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : 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 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 2023-04-07
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. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX BANK NA XXXX XXXX XXXX XXXX XXXX XXXX FIN XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXXL XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

Previously filed a complaint against the same Debt Collector : XXXX They responded to CFPB with false information. They also indicated that they have requested credit bureau to delete the account. 

I have spoken with credit bureau, they have researched and said they have not received any requests from this collection agency to delete the account. The also mentioned that they usually received requests immediately and accounts are deleted imeediately BUT in this case they do not have any requests.