davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Management Control, Inc. (FL)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX Credit Bureau is reporting inaccurate information on CREDIT MANAGEMENT CONTROL ( XXXX XXXX XXXX  ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 
CREDIT MANAGEMENT CONTROL ( XXXX XXXX XXXX  ) ***** Opened XX/XX/2021 Balance {$1000.00}
Consumer complaint received 2022-03-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

I sent two debt validation letters via certified mail on XX/XX/22 and XX/XX/22. They have failed to validate based on laws and keep reporting on my credit. I owe them nothing. The laws are clearly being violated and my name is being slandered.
Consumer complaint received 2020-02-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (GA)

In XX/XX/2019, I spoke with a representative from Shellpoint Mortagage. I communicated the fact that my mother-in-law ( the original owner of the house ) was deceased and my husband who directly inherited the property ( and was also executor of my mother-in-law 's estate ) passed away ( XX/XX/2019 ) after a long illness and with no life insurance. I experienced financial hardship and was also working with the courts to received executorship over this property. After discussions and emails, Shellpoint gave me an offer to defer the past due amount on this account. 

To accept this offer, I was required to make a down payment of {$510.00} by XX/XX/2019. I complied by making a payment on XX/XX/2019 with check # XXXX for {$510.00} and this check was accepted and processed by Shellpoint. 

In XXXX and XX/XX/2019, I also made payments of {$510.00} ( each month ) and these payments ( checks # XXXX and # XXXX ) were accepted and processed by Shellpoint as I confirmed from the copies of the cleared checks from my financial institution. 

As these payments were accepted and I met the requirement to make a down payment by XX/XX/2019, it was my understanding that my account was brought contractually current. However, I submitted payments for the months of XXXX and XXXX these payments were returned to me indicating ( incorrectly ) that my account is more than 90 days in arrears, and I am not in an active workout with Shellpoint. Since this time I have made numerous call to ShellPoint where I have been transferred from person to person and no one will help me to resolve this. I wrote an email documenting the information and have never received a response. I have now sent a certified letter with attachments detailing the workout letter they sent and the payments I made and they accepted. 

It is imperative that this issue is resolved as soon as possible as I complied with the requirements for a workout ( deferment ) and have submitted payments for the mortgage every month since XX/XX/2019 and can not afford to lose this property.
Consumer complaint received 2022-12-16
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: SYNCHRONY FINANCIAL (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advanced Resolution Services Inc. (AR)

In accordance with the FCRA, ( XXXX, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX ) I am Attaching identity and proof of address.
Consumer complaint received 2020-02-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (GA)

On three or more occasions, I have disputed the inaccuracy of this debt with the three main credit agencies. XXXX  has deleted the debt from its report. The reporting includes the wrong original balance and improperly added over the limit fees. First, the original approved amount is {$500.00} of which about {$420.00} was used. However, the reporting notes the original and high balance as the same, i.e., {$850.00}. Second, when the account was about {$420.00}, XXXX/Synchrony Bank, added late fees and interest until the account reached {$500.00}. At that point, they added over the limit fees, along with the late fees and interest charges. Next, I have disputed the inaccuracy as I am not liable for the over the limit fees, want them removed, balanced recalculated, and original balance and high balance reported correctly. Last, XXXX is the new owner and I am requesting that they show the line items up to and over {$500.00} that resulted in the account reaching the plus {$850.00} balance. I am uploading some docs but have more.
Consumer complaint received 2020-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX, XXXX I will not allow any more longer time periods for your investigation of disputed information corrected by your furnisher of information XXXX XXXX This has been an ongoing battle for more than a year. I have numerous written communication from each organization telling me to contact XXXX the furnisher of information for the bankruptcies XXXX & XXXX. XXXX has deleted the the bankruptcies from my file with the same information that I have provided to XXXX, XXXX. According to the FTC 611, you were suppose to investigate and also correct the inaccurate information. FTC 623 a, b,  also inform you all to correct the disputed information in a timely manner. Therefore, I have exhausted all other options and disputes. I will not allow you all to continue prolonging and jeopardizing my credit information. I am exercising my legal rights to take legal suit against you both.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

Mortgage lender is not able to pull credit report from Equifax. When pulling the report - in the credit bureau errors it states " Equifax remark : Information form you inquiry has been identified as potentially fraudulent or misused, therefore the credit report is not available for delivery '' - " inquiry information as fraudulent by consumer- report not available '' I have called 7 times and I keep getting the same answer every time I call " everything is fine on our end. We don't see any fraud alert on your account or any freeze ''. Everything is accurate in my credit report. I have access to my credit report online and everything look accurate so not why there's an issue with the lender pulling the report.
Consumer complaint received 2020-02-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Second Round Limited Partnership, Austin, TX Branch (TX)

Repeated harassment and home visits from XXXX XXXX XXXX who handle old bad debt. Send them a cease and desist letter on XX/XX/2019 and today they sent someone to my home violating this cease and desist to serve with bad debt papers.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-11-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (CA)

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I opened this account with Capital One in XXXX. Since then I have made 100 % of my payments. Earlier this month, XXXX, I linked my savings account to the Capital One account so that I could automate my payments to just pay off my balance every month. This account has more than enough funds for these small payments. On XX/XX/XXXX a payment from my savings account for {$100.00} was posted to the Capital One account. Everything seemed fine. However, on XX/XX/XXXX that payment was reversed without a reason or a notice. I thought maybe I entered my account information wrong or maybe it was my bank. So I double checked my account and routing info ( which was correct ) and called my bank to make sure all payments to Capital One were authorized, and they confirmed. On XX/XX/XXXX another payment for {$170.00} was posted to my Capital One account. Everything was once again fine. My balance updated and the available credit was pending. However, the payment was reversed on XX/XX/XXXX with no explanation and no notice. After this second reversed payment Capital One closed my account. I called them and asked why but the representative could only tell me that the account, not the cardholder specifically, violated some policy that he could not elaborate on. So now I have a closed account with Capital One with a current balance of {$180.00} with an incoming payment from my debit card for {$68.00}. I attempted to just apply for another account with Capital One but was denied, despite my 100 % payment history.
Consumer complaint received 2023-11-28
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (PA)

I am trustee for my uncle 's trust. brought necessary documents to bank and now PNC of XXXX XXXX XXXX XXXX. XXXX pa XXXX. Said I would have to the lawyer who wrote the trust that this was the last will I brought the first will and the latest will with me. I went to XXXX other bants with all the documents and no problem. PNC said the dates on documents didn't match what they had on record I said why don't you call the Lawyer and ask him I gave the phone number this is not my lawyer it was my Uncles I said he could email letter they said PNC needs actual letter called Lawyer I would have to bring my copy of will he didn't have one how in the world does lawyer know if it is last will written that's what I told bank .I told PNC you have more documentation than the lawyer my Uncles money was put in cds paying XXXX percent my bant is paying 5.5 % PNC wants to hold on to the money as long as they can at that low rate the money was just reallocated at that low rate
Consumer complaint received 2022-03-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: OPORTUN FINANCIAL CORPORATION (CA)

Someone stole my identity and applied personal loan by lender called 'Oportun ' And they loaned {$3000.00}. I don't recognize this.
Consumer complaint received 2019-08-05
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. (IL)

This is my third complaint through CFPB for this company that has been reporting a collection from XXXX collection agency on my credit report without notifying me of the collection or giving me a right to dispute the debt before reporting to my credit report. Reporting a debt without notice or right to dispute is a violation of the FCRA. This company had continued to report even during multiple disputes which is also a violation since items can not be collected or reported during a dispute. Reporting an item is still an attempt to collect. There are so many violations and this account still had not been removed. This debtor also still had not proved that I owe this debt at all which I know I dont owe
Consumer complaint received 2020-02-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Law Office of Michael J. Scott, PC (TX)

Repeated harassment and home visits from Scott & AssociateXXXX who handle old bad debt. Send them a cease and desist letter on XX/XX/2019 and today they sent someone to my home violating this cease and desist to serve with bad debt papers.
Consumer complaint received 2020-02-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (CA)

I purchased a couch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX on XX/XX/2019. Acct. # XXXX. 

I have been making payments on time for months but was never told about the interest being 270.22 % even with making on time payments. I feel very mislead and want to file a complaint to get my money back the interest is extremely unreasonable. I was never told by the store owner that this would cost me over {$2700.00} for a couch that was originally {$800.00}. The couch is falling amount and very poor quality. I want to know what my options are to get me money back for the outrageous interest and all principal I paid to date. I'm willing to give the couch back and for my refund.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

TransUnion was sent a certified letter in reference to unauthorized inquiries on my credit report. I requested they send me documentation of my wet signature as I did not make the inquiries. Instead of completing and investigation I was sent a letter giving me an explanation of inquiries on my credit report ( letter dated XX/XX/2021 and I received it XX/XX/2021 ). My request was not to receive an explanation of what inquiries were.
Consumer complaint received 2021-11-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated (TX)

I have already filed a dispute with Consumer Adjustment through XXXX XXXX. My dispute is that I don't have knowledge of this account nor have a contract with this company. They state that because the address is the same, it's my account. 
I will restate, I have never had an account with Consumer Adjustment. I would like to see a signed and dated contract since they say I do owe them money.
Consumer complaint received 2020-02-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

Ocwen now moved to PHH mortgage somehow took over a secured loan that I had on my home and it is now called a Mortgage. I had loan modified a couple of years ago to save on the payments but this meant they had to escrow taxes and house insurance which I normally paid myself without issue ie being behind in any payments. Since they took escrow over it has been calculated wrong and it has made my payments increase by more thank {$100.00} with every year miscalculation. I get nowhere in the phone asking how it can be miscalculated. What can I do?
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Fidelity National Information Services, Inc. (FNIS) (PA)

I received my ChexSystems report and noticed a inquiry from XXXX XXXX XXXX  on XX/XX/2023. I have not conducted any sort of business with this financial institute
Consumer complaint received 2021-11-17
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: BARCLAYS BANK DELAWARE (SC)

I noticed quite a few XXXX charges on my account. Not sure how they got there. I did remove my card off of there and closed the apple account down as well. I then called Barclay dispute line and said I need to dispute all the XXXX charges from XX/XX/2021 - XX/XX/2021. The person was nice and said there were quite a few charges and would put all of them in dispute. So a day or so goes by and I get credit for a few of them but not all. I called and the person I spoke to didn't know how to handle it and said I did receive credit. I said yes I did for a few of them but not for all of them. She wasn't sure how to go about the other ones and seemed a little lost about it. Not sure why they give credit for some but not all but here are the ones left that I didn't get credit for. 
XX/XX/2021 {$39.00} XX/XX/2021 {$37.00} XX/XX/2021 {$21.00} XX/XX/2021 {$37.00} XX/XX/2021 {$37.00} XX/XX/2021 {$53.00} XX/XX/2021 {$21.00} XX/XX/2021 {$21.00} XX/XX/2021 {$10.00} XX/XX/2021 {$21.00} XX/XX/2021 {$53.00} XX/XX/2021 {$53.00} XX/XX/2021 {$32.00} XX/XX/2021 {$53.00} XX/XX/2021 {$10.00} XX/XX/2021 {$53.00} XX/XX/2021 {$58.00} XX/XX/2021 {$26.00} XX/XX/2021 {$32.00} XX/XX/2021 {$32.00} XX/XX/2021 {$100.00} XX/XX/2021 {$21.00} XX/XX/2021 {$35.00} XX/XX/2021 {$32.00} XX/XX/2021 {$37.00} XX/XX/2021 {$37.00} XX/XX/2021 {$21.00} XX/XX/2021 {$16.00} XX/XX/2021 {$16.00} XX/XX/2021 {$37.00} XX/XX/2021 {$53.00} XX/XX/2021 {$21.00} XX/XX/2021 {$21.00} XX/XX/2021 {$21.00} XX/XX/2021 {$37.00} XX/XX/2021 {$37.00} XX/XX/2021 {$32.00} XX/XX/2021 {$32.00} XX/XX/2021 {$49.00} XX/XX/2021 {$10.00} XX/XX/2021 {$37.00} XX/XX/2021 {$37.00} XX/XX/2021 {$37.00} XX/XX/2021 {$53.00} XX/XX/2021 {$37.00} XX/XX/2021 {$26.00} XX/XX/2021 {$53.00} XX/XX/2021 {$53.00} XX/XX/2021 {$53.00} XX/XX/2021 {$37.00} XX/XX/2021 {$37.00} XX/XX/2021 {$53.00} XX/XX/2021 {$100.00} XX/XX/2021 {$32.00} XX/XX/2021 {$32.00} XX/XX/2021 {$32.00} XX/XX/2021 {$37.00} XX/XX/2021 {$21.00} XX/XX/2021 {$21.00} XX/XX/2021 {$26.00} XX/XX/2021 {$53.00} XX/XX/2021 {$21.00} XX/XX/2021 {$21.00} XX/XX/2021 {$21.00} XX/XX/2021 {$26.00} XX/XX/2021 {$21.00} XX/XX/2021 {$53.00} XX/XX/2021 {$32.00} XX/XX/2021 {$37.00} XX/XX/2021 {$10.00} XX/XX/2021 {$32.00}
Consumer complaint received 2020-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TN)

Equifax, XXXX- I will not allow any more longer time periods for your investigation of disputed information corrected by your furnisher of information XXXX . This has been an ongoing battle for more than a year. I have numerous written communication from each organization telling me to contact XXXX the furnisher of information for the bankruptcies XXXX & XXXX. XXXX has deleted the the bankruptcies from my file with the same information that I have provided to Equifax, XXXX. According to the FTC 611, you were suppose to investigate and also correct the inaccurate information. FTC 623 a, b, also inform you all to correct the disputed information in a timely manner. Therefore, I have exhausted all other options and disputes. I will not allow you all to continue prolonging and jeopardizing my credit information. I am exercising my legal rights to take legal suit against you both.
Consumer complaint received 2024-03-15
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My property was stolen with false instruments, namely the Assignment of Mortgage has been notarized by a company ( Countrywide ) that was closed in XXXX, however the same company was used to foreclose nd auction off my home in XXXX. I am the owner of the property and have been fighting, it was only recently that the fraud set on my family to steal our home was identified, my husband a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION (MD)

I have sent dispute letters on XX/XX/2021, XX/XX/2021, and XX/XX/2021 to XXXX  about this navy Federal credit card account that on my credit profile in the amount of XXXX dollars.