davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account came from but they failed to provide me so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the XXXX VS XXXX XXXX Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2020-02-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My concern is i did a modification with my mortgage company and was never told about the HUD there would be a certain amount that would have to be repaid back to them if i every sold the house. Bank of America never explained n don't recall signing any papers but i have a lien on my house through hud. Please help n explain this modification n if  and what do i do moving forward if i ever decided to sell my home
Consumer complaint received 2019-05-01
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. (TX)

I had my mail stolen/lost. I am XXXX years old. Upon my son helping me check my report online, I found that someone has applied for credit without my authorization at several companies. I have attempted to contact the companies directly and have reached out to all 3 of the reporting agencies. I sent in my police report that I filed with the police department along with a letter that explained what has happened and what companies pulled my credit without authorization.
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: EQUIFAX, INC. (AR)

During the month of XXXX I submitted a FTC report to XXXX/Equifax regarding two accounts that were established due to identity theft or fraud without my knowledge. Along with my FTC report I included a copy of my drivers license, utility bill, and a updated request with my correct personal information which included my name, date of birth, social security number, address, and etc. I received a letter on XX/XX/2020 which stated XXXX  was not able to process my request do to my social security number not being legible. I find this response from XXXX  unacceptable due to the fact my social security number was typed ( not written ) on my FTC report as well as my updated personal information request. XXXX  is violating the Fair Credit Report Act and also my consumer rights by not providing 100 % accurate verification and also not honoring my Federal Trade Commission report.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

So for the last year, I have been sending you documents and documents to each of the credit bureaus ( Transunion, XXXX, XXXX ) regarding my name, address, and phone number is incorrect on my credit file. Because of this, I've lost deposits on homes, the ability to obtain business and personal loans, credit cards, and employment. I want you to correct my name and address on my credit file.. I am also seeking damages for lost income and lost the ability to obtain housing and consumer credit. My correct name is XXXX XXXX. I've never gone by any other name or variation of my name. Any attempts to procure credit under my name is fraudulent. My identity has been stolen multiple times and many variations of my name have been used. My Name is XXXX XXXX this is the only name I go by. My XXXX address is XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX  XXXX XXXX, XXXX  XXXXXXXX XXXX XXXX XXXX XXXX. Please remove any other name or name variations and addresses or address variations from my file. Only leaving the aforementioned.
Consumer complaint received 2020-02-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On the XX/XX/XXXX stating that I owed a debt. I followed up by certified mail signed by XXXX XXXX asking them to validate this debt. I then received another letter from them without any validation. I received many threatening phone calls. Then on XX/XX/2020 I  receive documentation that I was being taken to court.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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. (AR)

During the month of XXXX I submitted a FTC report to Experian/XXXX  regarding two accounts that were established due to identity theft or fraud without my knowledge. Along with my FTC report I included a copy of my drivers license, utility bill, and a updated request with my correct personal information which included my name, date of birth, social security number, address, and etc. I received a letter on XX/XX/2020 which stated Experian was not able to process my request do to my social security number not being legible. I find this response from Experian unacceptable due to the fact my social security number was typed ( not written ) on my FTC report as well as my updated personal information request. Experian is violating the Fair Credit Report Act and also my consumer rights by not providing 100 % accurate verification and also not honoring my Federal Trade Commission report.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Account has been paid I want all negative remarks removed and to reflect all positive payment history. I want all accounts to reflect paid off.

Pursuant to 15 U.S. Code 1692e, 15 U.S. Code 1692f, 15 U.S. Code 1692g, hjr 192 public law 73-10, 12 U.S. Code 411. Article 1 section 10 United States America republic constitution
Consumer complaint received 2021-12-02
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

After reviewing my credit reports I noticed that there is a negative/adverse account on my report that I feel does not belong to me. The collection agency that's reporting this account in the amount of {$350.00} is PORTFOLIO RECOVERY. The creditor is listed as XXXX XXXX XXXX The account number is XXXX. I sent PORTFOLIO RECOVERY a certified letter requesting documentation and proof that this account belongs to me. USPS tracking shows that PORTFOLIO RECOVERY received the letter on XX/XX/2021. I have not received any correspondence from them. I want PORTFOLIO RECOVERY to provide me with documentation and proof that this account belong to me or remove this collection from my credit reports.
Consumer complaint received 2020-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (CA)

We pay into an escrow account for property tax and insurance. Our lender is now 2 months past the due date on the property tax and we have been charged a penalty. We have contacted the company four times without a resolution.

We made two complaints in the earlier in XX/XX/2020. We made 2 additional complaints today. Each call takes about an hour and they just say they will do something but have not done anything
Consumer complaint received 2020-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (AZ)

My social security number has been stolen and is circulating on the deep web. I have reached out to XXXX   and many others about this situation to get the accounts removed from my credit report but nothing has been done. I am a victim of fraud and identity theft and now my credit has been tarnished what once was a XXXX credit score is now in the 400 's because some how my information got out and someone took advantage of it. I am looking to get these accounts removed so I am able to continue with my life and be able to get approved for a car, house, etc. This has almost ruined my life but I hope we can come to a resolution.
Consumer complaint received 2020-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (AZ)

My social security number has been stolen and is circulating on the deep web. I have reached out to US Bank and many others about this situation to get the accounts removed from my credit report but nothing has been done. I am a victim of fraud and identity theft and now my credit has been tarnished what once was a XXXX credit score is now in the 400 's because some how my information got out and someone took advantage of it. I am looking to get these accounts removed so I am able to continue with my life and be able to get approved for a car, house, etc. This has almost ruined my life but I hope we can come to a resolution.
Consumer complaint received 2020-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

My social security number has been stolen and is circulating on the deep web. I have reached out to Bank of America and many others about this situation to get the accounts removed from my credit report but nothing has been done. I am a victim of fraud and identity theft and now my credit has been tarnished what once was a XXXX credit score is now in the 400 's because some how my information got out and someone took advantage of it. I am looking to get these accounts removed so I am able to continue with my life and be able to get approved for a car, house, etc. This has almost ruined my life but I hope we can come to a resolution.
Consumer complaint received 2020-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX i notice wellsfargo bank had started charging me a service fee stating i did not gave {$1500.00} balance on my account or direct deposit. Back in XX/XX/XXXX this same issue happened and they told me the only way to avoid this fee was to open a savings account and set it up to transfer funds from my checking account to the new savings account automatically and i did that, up until recently i had no issues. This year however, these random fees started appearing on my statement. I called to inquire about the charges on XX/XX/XXXX and was advice it was due to the balance bring under {$1500.00}. I explained to the representative the savings account i had been forced to opened in the past to avoid the service fee.
Consumer complaint received 2019-08-21
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. (LA)

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap: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 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

I attempted to pay Kohls in full beginning in XX/XX/XXXX. I verified with customer service multiple times that they would accept a savings account that I had that had an account number and routing number to pull money from. Every month I would call back and check in on the updates because I am in the process of buying a house and paying off debt. As a recent college graduate, this is something that I am working aggressively on. Every month I would be asked to give them my account and routing number again to attempt the payment over again. This continued until XX/XX/XXXX when I ended up having to give Kohls my checking account instead of my savings account despite the reassurance from Kohls that they could use a savings account. My bank also confirmed that this account was compatible to pay bills and I had paid several bills from this account. Kohls told me they attempted payment so many times that they had to date the payment for XX/XX/XXXX and  that they would remove all late payments and report to the credit bureaus that the late payments were Kohls fault and they should be removed. I called again on XX/XX/2020 and Kohls told me they would report on XX/XX/2020 and I should see this reflected. I called again on XX/XX/2020 and Kohls told me that they attempted to report to remove my late payments and they were denied despite my many months of being told that it would be removed. I was rudely told that there was nothing I could do and that it was my bank 's fault even though I had spoken with my bank before using this account and my bank was given no notice that there were issues with Kohl 's obtaining payment. I was told over the phone they could not do anything for me and that the supervisor that told me in XX/XX/XXXX they would remove the payments would not have said this despite being on a recorded line. The supervisor I spoke to on XX/XX/2020 also began twisting my words around to try to put the blame on me and not the fact that I have been attempting to pay them over the past several months.
Consumer complaint received 2022-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I opened a checking account XXXX XXXX  ago with Bank of America. Approximately XXXX XXXX later I deposited my check from my employer in that account at the ATM, on 9/30/2022.Then there was a hold put on my account and it said the check would be cleared on XXXX XXXX. When go to log into my account on the banking app, I receive prompt stating that I need to contact a number my account is on hold. When I called BOA they told me the account is being closed, and they don't know the reason the bank just chooses to end the relationship. The account is scheduled to close XX/XX/2022, I asked how is this possible when know one has told me anything. On XX/XX/2022, I received to letters in the mail saying that my account was closed because they couldn't verify my identity, but that isn't true. When I opened the account I provided my Driver license and Social Security card with all the valid information. Every time I contact the bank, they have an extended date on when my funds will be mailed to me by a cashier check, totaling {$1400.00}. Which I need to pay my bills. The date has changed XXXX  times from the XXXX, to XXXX, XXXX, and when I called XXXX XXXX now they are saying the account won't be closed until the XXXX. I requested to have my funds released at the local BOA. This isn't fair to me, I will now be late on all my bills nearly XXXX XXXX If the bank chooses to end their relationship with me that's fine, release my funds, the check has been cleared, and if that's the case why open the account in the first place?
Consumer complaint received 2022-10-14
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have a Capital One XXXX XXXX card. As a sign up promotion I was told I would receive a {$200.00} credit for any vacation rentals. I stayed in an XXXX in the beginning of XXXX and I have still not received my credit. I reached out to capital one many times and they keep on pushing me off regarding this refund. I finally spoke to someone in XXXX who decided to open a claim and I was told I would get a response within a few days. Their response was that i need to wait some more time i waited till the end of the next billing cycle and it is still not in my account so it is now after 3 billing cycles and i still have not received the credit. I spoke to someone today and they said that i should keep waiting and eventually it will come, they did not give me any more information then that. They all said that it should not take more then 1-2 billing cycles.
Consumer complaint received 2023-03-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates (SC)

I have asked for proof showing that this company did a service for me and my signature on the service that they completed for me. I still have never received that information from this company. I notice on my XXXX report that they keep changing the date opening. This account is only on my XXXX report.
Consumer complaint received 2019-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

1, Bank of America credit card company created difficulties for me to pay my bill in the past several months and find excuses to charged me fees. I have to call them every month to pay my bill even though I set up automatic payment.

2, When I called them, them gave me hard time every time, kept me waiting for over one hour and still didn't want to get the problem fixed.

2, it transferred money from my checking account without my permission and wouldn't allow me to canceled it.
Consumer complaint received 2020-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge 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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Since XX/XX/XXXX USAA has insisted USAA fraud credits applied to the balance. ALL USAA CREDITS ARE INTERNAL. USAA refuses to, as my math teacher would say, ( ** SHOW YOUR WORK ) With fraud credts hidden from me and Not listed on my statementt. THIS IS UNACCEPTABLE. SHOW YOUR WORK. I DO NOT BELIEVE USAA all credits applied because my statements ( SHOW THERE ARE NO USAA CREDITS from XX/XX/XXXX thru XX/XX/XXXX LISTED UNDER TOTAL PAYMENTS AND CREDITS for this period XXXX XXXX XXXX XXXX XXXX & XX/XX/XXXX. ) I HAVE A RIGHT TO FINANCIAL DISCLOSURE OF THESE FRAUD CREDITS THAT ALLEGEDLY APPLIED TO MY BALANCE. USAA REVERSED OVER {$1.00}, XXXX AND HAS NEVER ** SHOWED THEIR MATH WORK PROOF OF USAA PERMANET CREDITS. THEY DO NOT LIST ON MONTHLY STATEMENTS. THEY ARE HIDDEN FROM CONSUMER. Two years, two years and USAA still will not show their fraud credits.