davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-14
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: STATE FARM BANK, FSB (OK)

On XX/XX/XXXX I sent my original dispute to state farm bank for an unauthorized account being opened in my name. State farm forwarded my complaint to XXXX XXXX XXXX that bought the debt from state farm bank. On XX/XX/XXXX. XXXX I mailed another dispute letter directly to XXXX, XXXX completed its investigation into my fraud claim, ruled it in my favor, closed out the account at a XXXX  balance. To date State Farm Bank will not remove this account from all three credit agencies which is in violation of my due process rights.I 've been XXXX  at XXXX XXXX XXXX XXXX in the Oklahoma XXXX XXXX XXXX since XX/XX/XXXX. And I gave them the opportunity to resolve my issues but it fell on deaf ears.
Consumer complaint received 2017-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

this company is currently reporting 6 accounts that either do not belong to me, have inaccuarate balances aand are a result of identity theft .These accounts were removed previuosly after an investigation and have been plaaced back on my credit .I do not have an account with XXXX and they are reporting two accounts on my credit that do not belong to me .XXXX is reporting a balance that is inaccuarate and I have sent proff to equifax of the correct balance determined by a judgement in court for less than half of what is being reported.XXXX XXXX has been paid off and the two medical accounts with XXXX  were paid by XXXX.
Consumer complaint received 2022-10-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NY)

Upon telling Wells Fargo phone representative on XX/XX/22 that i have reason to believe someone knows my XXXX Savings account number XXXX the representative assured me any future withdrawal from this now closed account XXXX would be refused and only deposits will be allowed on closed savings account XXXX for 90 days. 

Immediately after this phone call, I received a letter in my message inbox on wells fargo website stating the *opposite* of what the rep told me. the letter states : " Direct deposits to or automatic withdrawals from your closed account will continue for 90 days. '' This is *not* what I instructed. 
I instructed this closed account XXXX to be FROZEN, Account XXXX shall have *no* withdrawals, not now, not for 90 days. 

XXXX withdrawals from account XXXX shall be rejected
Consumer complaint received 2022-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

on XX/XX/XXXX I paid {$3000.00} dollars that I intended to be an principal only payment. on XX/XX/XXXX I paid {$1200.00} As my XXXX payment. Chase bank applied XXXX $ dollars as ( XXXX ) XXXX payment of {$1200.00} ( XXXX ) XXXX payment of {$1200.00} ( XXXX ) remaining balance of {$590.00} principal only. I spoke with customer service on XXXX XXXX to request my payments be applied as intended. ( 1st time ) Chase bank did not comply. I spoke with customer service on XXXX to request my funds be applied as intended ( XXXX time ). Again chase bank used funds from XX/XX/XXXX apply to XXXX payment. Chase bank contacted me on XXXX to confirm satisfaction I stated no and reiterated my request. ( XXXX time ) while misapplication reversal of funds was done. My Funds from XXXX was again applied to XXXX payment. I spoke with customer service on XXXX to request my funds be applied as intended. ( XXXX time ), submit complaint with CFPB and any action form chase bank is unknown at this time.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX. Inaccurate Reporting : TransUnion and XXXX has consistently reported inaccurate information on my credit report, including erroneous account statuses, incorrect payment histories, and inaccurate personal information. 
XXXX. Unjustified Score Drops : Despite maintaining a positive credit profile, my XXXX XXXX has inexplicably dropped by more than XXXX points without any changes to my credit behavior or financial circumstances. 
XXXX. Lack of XXXX : Despite multiple disputes and requests for correction, TransUnion and XXXX has failed to take appropriate action to rectify the inaccuracies and restore my XXXX XXXX to its rightful level.
Consumer complaint received 2022-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Io, Inc. (TX)

I had a collection on my credit report, but I paid it ( with proof ) on XX/XX/21 ( XXXX XXXX XXXX ). I called Receivables Management Systems to have the matter resolved, but XXXX XXXX ( or XXXX ) was extremely XXXX to myself and my XXXX. She also gave me an improper procedure to upload my proof of payment, and then would not verify with my XXXX  if my XXXX fax with the proof of payment had been received.
Consumer complaint received 2021-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is going to be a long one. XXXX XXXX assigned my loan to XXXX XXXX XXXX but i have been paying another company to pay off the loan or debt. diversified XXXX XXXX is the company. i found out they are a scam. i tried to get this resolved through transunion by having a dispute filed. XXXX says the account is still legit and owed etc. someone is lying to me. i want transunion to know that diversified XXXX XXXX stated the account is now closed as per their CFPB response to me on XX/XX/2021
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY NAME PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES AND MADE A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-11-13
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. (CA)

After ending my forbearance period I was placed on a three month trial loan modification program. I was to make three on-time payments in which I did starting in XX/XX/XXXX. 
After making XXXX XXXX and XXXX payments I was placed on the loan modification program. The mortgage company then took my XX/XX/XXXX payment and applied it to XX/XX/XXXX payment. I was on forbearance in XX/XX/XXXX. The Mortgage company has now stated that as of XX/XX/XXXX I am 30 days late and as of XX/XX/XXXX I am 60 days late on my Mortgage loan. I would like the 30 and 60 day late reports to be deleted due to Covid-19. Until Covid-19 my mortgage payment was never been late for over 8 years. 
Thank you, XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-02-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (FL)

There has been a reoccurring charge on my business account for Months. I have contacted TD bank and submitted a Case regarding this. It has been a month, no one from TD bank has reach out or tried to resolve the matter. The hold time to speak with someone in the Fraud department is over 2 hours long. The reoccurring charge is from XXXX XXXX XXXX
Consumer complaint received 2020-01-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio recovery Associates was challenged on the validation of a Unverifiable debt. Portfolio recovery and associates account # ( XXXX ). In XXXX of 2019 I sent the company a validation letter, asking the company to validate the debt they claim I owe, In the letter I as the company to validate the following information ; : I asked portfolio recovery and Associates to provide me with a description how's the money they say I owe ; : Provide a description of a full calculation of the debt they say I owe ; ( please see attachment for further details ) the company responded with a statement from the original creditor. According to the law statements are not clear validation or proof of ownership. 

: Provide a description of who the original creditor was, and to provide proof of last payment made ; the company has not provided or validated this information. A violation of FDCPA sec 809 : To provide me with original documents and copies of consumer contracts showing proof that agree to pay what the company claims I owe ; the company has not provided or validated this information.
Consumer complaint received 2018-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (LA)

My home was flooded in XX/XX/2016. Flood insurance payments were made for repairs and were endorsed over to the mortgage company to disperse for repairs on the home. The mortgage company turned over management of funds to insurance claim check.com and they continue to delay and stall the process of repayment to me to repay Repair the home. To this date they have yet to disperse any funds to me other than what I have already paid for and will not release funds based on prior agreement of turning in receipts and contractors bids in a timely basis. They continue to change guidelines on release of funds to me which are much stricter than they would in the case of releasing funds to a general contractor there by placing unreasonable burden on me. Each time I attempt to resolve repayment of receipts or contracts I get a different story and continued delays. They also require additional inspections that they would not require with a general contractor. These guidelines or not laid out on their website process section and have not been made known to me until the process is again shut down. In addition they continue to slow walk disbursement of funds even though they have verified all checks were to be overnighted they use instead snail mail. It is my believe at this point that there is intentional slow walking of disbursement of funds to cause further duress on me and my family to repair damaged home. The most recent action of sending reimbursement check for paid receipts has again been mailed through the Postal Service rather than overnight even though I had clarified with two supervisors that all checks would be sent overnight due to the financial stress that their guidelines had placed on my family.
Consumer complaint received 2018-04-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Complaint : Charged {$10.00} Finance fee for making a principal Payment Account : XXXX Bank of America I mailed a {$300.00} check for to B of A for a principal only payment. On XX/XX/XXXX this payment was posted in three parts. A principal payment of {$250.00} ; a payment of {$50.00} of which {$40.00} was applied to principal and {$10.00} was a finance charge. The instruction stated principal only payment. My previous payment of {$440.00} posted on XX/XX/XXXX was the regular payment of P & I. 

* XX/XX/XXXX contacted B of A by online bank secure message outlining the problem * XX/XX/XXXX received response to call them * XX/XX/XXXX responded that the problem was easy to fix, if they need to call they could call me * XX/XX/XXXX a  representative ( or stated so ) called me, identified himself as BofA, started to ask personal identifying information ( which I refused to answer as they called me ) and stated they could not help me if I did not provided personal information. I refused and told them they should just credit back the finance fee. They hung up.
Consumer complaint received 2020-06-04
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. (TX)

I received a letter from the data furnished stating my social that was given to them shows no record of having an account and experian is in violation next is filing a law suit because they reporting a false account on my credit
Consumer complaint received 2017-09-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (AL)

THIS IS MY SECOND COMPLAINT ABOUT THIS COMPNAY BECAUSE THEY LIED THE FIRST TIME ABOUT SENDING ME INFORATION ABOUT A DEBT THAT THEY HAVE LISTED ONMY CREDIT REPORT. AT THIS TIME I STILL HAE NOT RECEIVED ANY INFORMATION FROM THIS COMPANY AT ALL ABOUT THE DEBT THAT THEY HAVE LISTED ON MY CREDIT REPORT. ALL I HAE EVER RECEIVED IS ONE PHONE CALL AND I HAVE CONTACTED THEM SEVERAL TIMES ASKING THEM TO VALIDATE THER DEBT. APPARENTLY IT IS TIME FOR ME TO SEEK LEGAL COUNSEL BECAUSE THIS COMPANY IS CLEARLY A FRAUD AND LIES A LOT. I HAVE REPORTED THEM TO MY STATE ATTORNEY GENERALS OFFICE AND THIS IS MY SECOND COMPLAINT TO CFPB. YET THIS COMPANY CONTINUES TO EPORT FALSE INFORMATION TO CREDIT BUREAUS AND HAS NOT SENT ME ONE PIECE OF INFORMATION NOT EVEN THE ORIGNAL 609 LETTER. I HAVE SENT THEM MAIL AND THEY HAVE IGNORED IT. THANK GOD I HAVE A PAPER TRAIL FOR  LEGAL PURPOSES. THIS COMPANY SERIOUSLY NEEDS TO BE INVESTIGATED.
Consumer complaint received 2023-02-25
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: U.S. BANCORP (NJ)

On XX/XX/2023 I received an email from XXXX XXXX notifying me about a new hard inquiry. The inquiry was from US Bank and I did not authorized this. Someone is using my social security number and this person is trying to open credit cards. I called the bank but it was too late to speak with the right department ( I called after XXXX ). However, the bank representative provided me with the right department phone number. I am going to call them on Monday since they are close over the weekend. This situation has put me in high alert since someone had try to open a credit card account with another bank ( XXXX ). I have put an alert on my XXXX account and I filled a report on XXXX.
Consumer complaint received 2022-02-09
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. (NV)

IM WRITING IN REGARDS TO THESE UNKNOWN ACCOUNTS REPORTING TO MY CONSUMER REPORT, I HAVE SENT A DISPUTE 30 DAYS AGO TO NO AVAIL AND IVE SENT IT CERTIFIED AS WELL WITH A RETURN SLIP DELETE ALL ACCOUNTS DISPUTED BELOW
Consumer complaint received 2020-12-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (FL)

I recently viewed my credit and noticed a collection agency, ( Convergent Outsourcing, Inc. ) from XXXX for {$1500.00}. I contacted XXXX and they have no information on me after I requested documents/contract that was signed. I do not recall this account, as I was going to make a police report I was told by the officer that I need to show them proof of validation on what is being reported under my social but Convergent Outsourcing and XXXX seem to now have anything, according to the agency the account was opened on XX/XX/2016. I was a victim of identity theft a few years ago and was reported to IRS as someone was trying to claim me as a dependent.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My student loans should be removed off my credit report STAT! Student loans on my credit are a violation of " FERPA 1974 '' per 20 U.S.C. 1232g ( b ).
Consumer complaint received 2022-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (NC)

In late XXXX went to the drive through of a truist bank asked for a certified check for {$1100.00}, teller pulled up a joint account that was not mine and after ealizing the mistake froze their system. I was working I was asked to come inside and then they wanted me to come back at XXXX in the XXXX. I came back the next day as the bank opened and was there for a hour and a half and was told by a bank officer that usually the money would have came out of the managers account but they took it out of the tellers account is what I was told. They gave me the certified check and as I left I said " is my money ok? '' He said " yes sir '' I gave the check to my landlord and it took 2 weeks for the check to be recognized as no good. I went back up to the bank where I got it from and they said it was a mistake that there was 2 checks out their and needed information from my landlords bank. I gave them the information I could get from him that he deposited it from a paper deposit check with other checks. When I found this out I went up to that bank and as I walked the manager stopped me and said very bluntly that they could not help me. I told him that somebody would help me before the end of the day and I went outside and sat in my truck and filed a complaint with their headquarters in XXXX NC over the phone.i have now paid XXXX, XXXX and XXXX rent and my XXXX still isn't payed. The stress has been unbearable I am a XXXX XXXX XXXX XXXX  who gets no help from anyone. And have been up to my regular bank 4 times with no results, my landlord is well known in the area and it is amazing that he hasn't thrown me out by all I want is for them to make it right they have my money.
Consumer complaint received 2021-11-13
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: COMMERCE BANK (MO)

On XX/XX/2021 we obtained euros from our bank ( Commerce Bank, owned by XXXX  XXXX XXXX ) for the purposes of travel. At that time we were charged a rate of {$1.00} for each Euro we purchased. 

When we returned and cashed in the remainder of euros on XX/XX/2021 we were reimbursed at a rate of {$1.00} per euro. 

It's our opinion that that was an inequitable return exchange rate. In addition, they would not accept any coins for exchange.
Consumer complaint received 2020-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

CAPITAL ONE BANK IS REFUSING TO INCREASE MY CREDIT LIMIT AND HAS ALLOW A FRAUDULENT TRANSACTION TO PROCESS OF MY CREDIT LIMIT AFTER MULTIPLE DECLINE NOTICED REGARDING THE CREDIT LIMIT.
Consumer complaint received 2021-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous items reporting on my Credit Report and need to update or remove from reporting : XXXX****-Balance {$51.00} XXXX XXXX*-Balance {$14000.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX {$0.00} XXXX Amount : $ XXXX Filed/Reported : XX/XX/2019
Consumer complaint received 2018-12-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MS)

Select Port Folio sent me the Assumption and Modification Agreement for me to sign. The mortgage is payment is fixed for 75 months and then the balance of the mortgage has to be paid in full. I need a fixed mortgage payment for the term of the loan. This mortgage payment is setting me up to lose my home. The escrows are incorrect because I have my own Homeowner insurance and the mortgage company has put forced placed insurance n the house please fix my escrow account so my mortgage payment will be correct.
Consumer complaint received 2018-04-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (FL)

I have a Creditor on my credit reports for the amount of {$1200.00} that I can not see that it can be mine, I have contacted the Company reporting the debt and they do not have any of my personal information on file. I contacted the company that they say I owe ( XXXX XXXX XXXX XXXX ) and they assured me they can not see anywhere that I owe them money. I contacted XXXX  XXXX XXXX XXXX and gave them all my personal information to clear it up and ask if I am responsible. They told me they do not have me in their system at all.. 
. {$1200.00} with a date of XX/XX/2017 Thank you for your consideration in this matter,