davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America - primary mortgage and XXXX XXXX XXXX line of credit from XXXX  thru XXXX - Both banks negotiated payments to avoid foreclosure with my ex-spouse only. I was left out of all communications even though I called both banks on multiple occasions. This caused extended delays, emotional distress around divorce proceedings because all was stalled by my ex in bankruptcy court divorce court said they couldnt do anything about it.
Consumer complaint received 2022-03-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Javitch, Block & Rathbone LLC (TX)

Javitch Block LLC is trying to collect a debt that is not mine and a result of identity theft. Furthermore, this company is attempting to come off as if it's a court sending the notice which is illegal. 

XXXX XXXX, XXXX can request copies of my identity theft report from XXXX XXXX Police by filing an open records request for it.
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX  XXXX {$2100.00} XXXX XXXX XXXX {$3300.00} XXXX XXXX XXXX XXXX XXXX {$2500.00}
Consumer complaint received 2018-05-07
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: WELLS FARGO & COMPANY (CA)

When l checked my XXXX credit report, l noticed that there is a hard inquiry reported by WELLS FARGO BANK on XX/XX/2018 which l have NO idea about it.
Consumer complaint received 2022-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (FL)

Hello, I have called several times to inquire why my property taxes have not been paid yet by Selene finance and still do not have an answer. I am being told SelenXXXX is waiting on an " Approval '' for my property taxes to be paid, however, that doesn't make sense as Selene is the one paying my escrows. Apparently, when Selene purchased the loan, the escrow account was not set up and the setup is still pending. We can not continue to wait indefinitely for the " approval '' of our escrows to be paid. 

My property taxes are nearing the due date in which I will incur a penalty for late payment. Additionally, the taxes should have been paid in XX/XX/2021 so that we get the 4 % discount. The lack of communication and clarity pertaining to our escrow account is unacceptable. We have done everything required of us to make sure our mortgage remains current every month and will not allow Selene Financial to put our credit worthiness at risk and/ or our home in jeopardy of being foreclosed upon. We made one final attempt to request an update on our account, specifically relating to our escrows, before contacting the CFPB to file a formal complaint, but still no response.
Consumer complaint received 2018-05-07
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: Ability Recovery Services, LLC (LA)

I wrote and mailed a dispute letter to XXXX, XXXX, and XXXX in XX/XX/2018 pertaining to a collection account that had been placed on my credit report from the collection company Ability Recovery Associate for {$930.00}. XXXX, XXXX, and XXXX responded with a copy of my credit report stating that the account in question was verified by the creditor. Ability Recovery Associate did not provide any documents or evidence to verify the account. I sent another dispute letter to XXXX, XXXX, and XXXX in XXXX asking again for proper validation of the debt, and instead of verifying the debt XXXX, XXXX, and XXXX reported the debt was verified at the previous amount. Of {$930.00}. Under the Fair Debt Collections Practices Act. I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from XXXX, XXXX, and XXXX or provide me with physical proof. Such as a signed legal binding contract. Your immediate response will be greatly appreciated.
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXXXXXX XXXX XXXX Date of inquiry XX/XX/2020
Consumer complaint received 2020-12-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, BK OF AMER, on XX/XX/XXXX and XX/XX/XXXX, XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2018-05-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

When l checked my XXXX credit report, l noticed that ; BANK OF AMERICA reported a hard inquiry on XX/XX/2018 which l have no idea about it.
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/23, I discovered a charge have been made on my capital one card statements. The charge had been made on XX/XX/23 to XXXX XXXX XXXX. As soon as I discovered the fraudulent charge, I contacted Capital One and was assured that they would investigate, and that a temporary credit would be put on my account. Before I even hung up the phone with the representative I had received XXXX different letters from capital one via email, and their investigation was concluded. Before the call was ever complete. When I called back in about this, I was informed that because I had my card in my possession at the time that I discovered the fraudulent charge on my statement, I was responsible for the charge, and I made the charge. It should be noted, I do not have a pet. There is no reason for me to spend money at a veterinary clinic. Ive repeated that to them several times, and they are unwilling to investigate further or let me file an appeal. Apparently, although the rest of the world has heard about cloned cards, they stated to me that their policy law, ( their words, not mine ), states and mandates that if I still had the card in my possession, I mustve made the charge. Therefore, they will not return my money for something that I did not authorize. I have also now filed a police report with the XXXX Police XXXX. Report # XXXX
Consumer complaint received 2022-03-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Our Checking Acct. was charged 17 times fraudulently under the name of XXXX XXXX XXXX - various versions of it. We reported it the same day to Citizens Bank. They did reverse 12 of them, but then charged us Overdraft Fees for 5! Then today there was another fraudulent charge from the same fake company! Plus 2 more XXXX. Bank OD Fees! My husband 's Soc. Sec. chk. goes in XX/XX/22 & it will just go toward the over {$1000.00} neg. bal.! Please help!
Consumer complaint received 2022-11-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: Payfare International Inc. (MI)

XXXX XXXXPayfare cant or wont help!! Last night I tried to transfer money to my XXXX XXXX card. It was about XXXX XXXX. It said bank declined on the first transaction. I kept trying to no avail. Customer service said I had to wait until the morning to call the specialists. I did that and was told my card was locked for 24 hours with nothing they could do. Waited until about XXXX XXXXXXXX and the card still isnt working. Called customer service with the call hanging up 2 times from their end and was on the phone for an hour and a half all to be told again to call back to speak with a specialist in the XXXX Im so upset. My whole paycheck is on this card and it wont work! Now my rent and every other bill will be late because they cant lift the hold or even fix the issue! I spoke with over 6 people tonight! Between calls hanging up and being transferred nothing was done! My money is still just sitting! I tried to make an XXXX purchase and that was also declined. They keep saying I tried to do too many transactions on XXXX XXXX yet it declined on the first try! Ive had another issue with them before with this locked card mess! Im so over it and Im upset. I cant even get gas and Im on E simply because they have somehow locked my card for 2 days now and I cant use my money!! Theres over XXXX in the account and I cant touch it and they keep saying its being escalated. This is the XXXX XXXX pre paid card and I would not recommend at all! Customer Service isnt good at all! After being transferred multiple times the phone hung up twice! Ive never had an experience so bad with a company! Im also going to try to call corporate because this is ridiculous. Called at XXXX XXXX and didnt get off the phone until almost XXXX! Have to be up for work at XXXX, but was waiting on this imaginary 24 hour hold that never lifted at XXXXXXXX XXXX when it should have.
Consumer complaint received 2020-07-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Bliksum, LLC (TX)

On the XXXX of XXXX I Revoked my permission to deduct payments from my bank account and requested that all EFTs and debits be stopped from my bank account and I provided all required information in my request per my loan agreement. I then received an email a couple of days later after going back and forth with them ( because I know my rights ) and they stated that my request has been completed. All of a sudden, a payment was deducted from my already negative bank account today without My permission. I expect my loan and the unauthorized payment to be returned and my loan to be canceled as they have violated the terms of our loan agreement.
Consumer complaint received 2018-05-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Tower Loan of Mississippi, Inc. (TX)

On XX/XX/XXXX I got a personal loan for {$1600.00}. On XX/XX/XXXX another for {$1200.00}.

On XX/XX/XXXX we refinanced and combined the 2 loans making it {$3000.00}. On XX/XX/XXXX the account was closed and I have not spoken with them since. Every other month including the most recent onXX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX & XX/XX/XXXX there are hard inquiries being done without permission. I have not spoken with this company since XX/XX/XXXX, yet they still make hard inquiries every other month or so.
Consumer complaint received 2023-03-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Avant Holding Company, Inc. (AL)

I was denied credit by AVANT which is a violation to my consumer rights per 15 U.S. Code $ 1681m - Requirements on users of consumer reports which states ( a ) DUTIES OF USERS TAKING ADVERSE ACTIONS ON BASIS OF INFORMATION CONTAINED IN CONSUMER REPORTS If any person takes any adverse action with respect to any consumer that is based in whole or in part on any information contained in a consumer report, the person shall- ( 2 ) DUTIES OF PERSON TAKING CERTAIN ACTIONS BASED ON INFORMATION PROVIDED BY AFFILIATE ( A ) Duties, generally If a person takes an action described in subparagraph ( B ) with respect to a consumer, based in whole or in part on information described in subparagraph ( C ), the person shall- ( C ) Information described Information referred to in subparagraph ( A ) - ( i ) except as provided in clause ( il ), is information that- ) ( I ) is furnished to the person taking the action by a person related by common ownership or affiliated by common corporate control to the person taking the action ; and ( Il ) bears on the credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living of the consumer ; and ( ii ) does not include- ( 1 ) information solely as to transactions or experiences between the consumer and the person furnishing the information ; or ( II ) information in a consumer report..
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a lil more explanation on. 
I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure 1 they are, I also read something called the fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681 ( a ) 7 I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted it they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation.

Please investigate the following accounts and remove them if anything is missing of not correct on them. 
Accounts Account Name : XXXX XXXX XXXX  Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account name : XXXX  Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I also read where I can get the updated report after you investigate this from the XXXX XXXX XXXX. Could you please send it to me? Also, please let me know who had access to my file as I want the investigation outcome to be sent to my address I put on the from area Thank you for your time and help in this matter.
Consumer complaint received 2022-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (CT)

There appears to yet another block on account ending in XXXX with Genesis FS Card Services, due to returned payment in the amount of {$50.00} made on XX/XX/24, payments made via bill pay thereafter have cleared, this one returned payment should not be an issue. However, it appears it is as well as a new card which was issued and not received.. The current card I have ending in XXXX does not match up with what is shown on account web-site, which is XXXX. I attempted to clarify new card ordered, was unable to do so as well as resolve block on account.
Consumer complaint received 2022-03-02
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. (FL)

XXXX, XXXX XXXX Equifax are not correcting issues involving mortgage loan & Car loan reporting inaccurate as being paid through bankruptcy. Although loans and mortgage were paid outside bankruptcy and paid as agreed in good standing. Also mortgages are listed as closed & mortgage changed servicer and were never closed
Consumer complaint received 2018-05-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

We send XXXX to a fraudulent account belong to wells fargo customer on XX/XX/XXXX. Wells fargo is not willing to give back the funds after my bank set up a request by ( recalling the money ) the same day on XX/XX/XXXX. Wells fargo wanted give my bank full responsability for the finds and my bank said they didn't did the mistake and now both banks are in dispute on who should take full responsability for those funds. I have serve wells fargo on XX/XX/XXXX waiting on respond.
Consumer complaint received 2022-07-22
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. (NJ)

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  Account # 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 : States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion, XXXX XXXX XXXX are not correcting issues involving mortgage loan & Car loan reporting inaccurate as being paid through bankruptcy. Although loans and mortgage were paid outside bankruptcy and paid as agreed in good standing. Also mortgages are listed as closed & mortgage changed servicer and were never closed
Consumer complaint received 2022-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had my personal information stolen and i am worried about things that appear on my credit report that i have no knowledge of. Please help me understand what i need to do to resolve this. I have never used my credit before and it is already messed up i think, Now with all of these things on my report that i did not authorize.
Consumer complaint received 2024-03-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (FL)

I am writing in response to your recent communication regarding the alleged debt associated with the above- reference account. I am requesting validation of this debt as permitted under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws.

I dispute the validity of this best and request that you provide the following information : 1. Verification of the original creditors name and address 2. Documentation demonstrating that I am contractually obligated to pay this debt 3. Copies of any statements or invoice related to the debt 4. The original account number and the date this account was opened 5. The complete history of this account, including all transactions and charges Please note that until you have provided the requested documentation, I do not acknowledge any liability for this alleged debt.

Furthermore, I request that you cease all collection efforts until this matter is resolved and the debt is verified. Any further communication from your agency regarding this debt should be in writing and sent to the address provided above.

Please consider this letter as a formal dispute of the debt under the FDCPA. I expect a prompt response within 30 days from the date of your receipt of this letter.

Collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ) Collection agency is violating your consumer rights by using false misleading, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).