davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-10
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. (FL)

I recently submitted a request for investigation of a XXXX Acct XXXX # XXXX, which yXXXX refused. I submitted enough information for them to carry out a reasonable investigation of my dispute, since they obviously did not investigate this account thoroughly enough the last time I submitted one. They have already verified one of these fraudulent accounts and has removed that account. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. 

If they had investigated properly, rather than use your XXXX system, they would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX v XXXX, XXXX v. XXXX ( XXXX  ), and XXXX v. XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable. 

Additionally, the following accounts do not belong to me and have been removed by the other credit bureaus and deemed fraudulent : 1. XXXX XXXX XXXX # XXXX 2. XXXX XXXX XXXX # XXXX 3. XXXX XXXX XXXX # XXXX If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. 

I look forward to an expedient resolution of this matter,
Consumer complaint received 2018-09-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/2018 my online banking account was hacked and someone transferred money from my account to their account using XXXX. The amount was XXXX. I did not authorize this transfer and immediately notified Bank of America of the issue. Within 15 minutes of it happening. They are stating that they are not liable for the unauthorized transfer. I have had multiple phone conversations, in-person conversations and written communications with them since XXXX. Still they wont refund our money. We have been bank of america customers since the XXXX when it was a completely different bank. Nice how they treat their long-standing customers
Consumer complaint received 2023-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I went in the bank XX/XX/2023 and asked if I transferred money to another account within chase and it was fraud, would I be able to get my funds back. I was told yes by a banker and a teller. On XX/XX/2023 I discovered it was fraud and called my bank and was told to go to the branch. I went to the branch and they told me to call. I spoke with another representative who told me because I withdrew the money, they couldn't dispute it although it was sent to a fraudulent account.
Consumer complaint received 2022-07-09
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

My late father opened up credit cards in my name and my siblings names without our consent. He stole our birth certificates and social security cards and applied to these credit cards and loans. I never got the chance to even build my credit due to this. he passed away this month nand I'm left in debt along with a car note that is through the roof. I'm planning on keeping the car since I retrieved it at his home the week of his passing, it is already in my name but everything else that is on my credit is was not me it was him and it's making me so XXXX  and miserable, I'm not even able to get my own apartment or open any credit cards to help me prosper in my life. {$660.00} Capital one - 1 year and 11 months {$420.00} Capital one 1 year and 9 months {$720.00} XXXX XXXX XXXX  1 year and 6 months {$270.00} XXXX XXXX 1 year and 5 months
Consumer complaint received 2018-09-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

I have had problems with this company before, trying to collect and debt they say I owe to XXXX XXXX but XXXX tells me I do not owe, I have {$0.00} balance due. I filed a complaint with CFPB before, and Midland responded via CFPB that they did not contact me, and that they do not collect medical debts. But I had proof of phone calls from XXXX on my cell phone from their company. Sometimes they call 2-3 times a day.
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

Metro 2 Format is the industry standard for reporting accurate, complete, and timely information and that The data should be reported according to the specified definitions in order to process credit information correctly. The following data within ACCOUNT # XXXX fails to conform to the industry standard and as inaccurate.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-04
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: EQUIFAX, INC. (GA)

I didn't give authorization ( authorized ) to view / pull credit report " Identity Theft Victim '' ( Equifax Data Breach, etc )!!! 

XXXX!!! 
Inquiry details : Equifax Mort Inquiry from XX/XX/2018 Misc. 
XXXX XXXX Inquiry from XX/XX/2018 Misc. 
XXXX Inquiry from XX/XX/2018 National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/2018 Bank EQUIFAX!!! 
Inquiry details : XXXX XXXX XXXX Inquiry from XX/XX/2018 Miscellaneous XXXX XXXX, Inquiry from XX/XX/2018 Miscellaneous Reptg. Agencies Equifax Mortgage Ser Inquiry from XX/XX/2018 Miscellaneous Reptg. Agencies XXXX XXXX, XXXX XXXX Inquiry from XX/XX/2018 Television & Radio XXXX XXXX XXXX Inquiry from XX/XX/2018 Personal Loans Cos. 
XXXX XXXX  Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2018 Automobile Dealers, New
Consumer complaint received 2018-08-19
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. (MD)

I've been sending letters to Experian about items that are listed on my credit report that aren't mine. Dating back to XX/XX/2018, I've reached out to Experian 8 times ( once every 30 days ) just to get a generated response that doesn't address my complaints. Experian keeps telling me that the creditors verified the account, how is that possible if I can't even get in contact with the original creditor?

XXXX   and XXXX  couldn't get in contact with the creditors either, which is why they removed the invalid accounts from my report.

I have copies of every letter and the certified tracking numbers that are associated.

Hopefully, I can fully resolve this matter once and for all.
Consumer complaint received 2023-03-26
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. (GA)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX ( XXXX, TRANSUNION ) XXXX XXXX  XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX - XXXX ( XXXX ) 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 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B ( a ) : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose The accounts with XXXX XXXX XXXX XXXX and XXXX XXXX, ALSO happen to be fraudulent, and the credit reporting agencies refuse to comply. I need IMMEDIATE compliance after failure to comply in previous disputes. To verify that an address listed on my
Consumer complaint received 2023-03-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ACIMA CREDIT, LLC (NE)

XXXX XXXX retained an XXXX XXXX with my identity. Acima helped to allow this and are now uncooperative in getting this resolved. They refuse to remove this fraudulent account from ALL of my credit reports. Even though I have an email from them stating that it is indeed fraudulent. Meanwhile it appears as though I have a {$5000.00} charge off lease with Acima on my credit report. I am now experiencing hardship attempting to obtain an allotment loan, my bank account has been flagged as high risk via clarity a division of XXXX and NOBODY wants to work with me or help me when I am screaming that I have been hacked and my identity tarnished. Acima has also made the process of even attempting to make payments on MY Acima loan impossible, as they have other bank accounts tied into my personal profile and identity. I believe this all lies in the hands of Acima. They need to right their wrongs.
Consumer complaint received 2023-03-26
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

hello i am very upset that XXXX decided to appear on my Experian credit report and not only that they reported the wrong current balance which should be {$12.00} plus this is the last installment payment i reached out to Experian and of course they did nothing, here is the problem don't show up on my credit report at the last payment reporting inaccurate information, I really wanted to like XXXX but this XXXX has took the cake, Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-05-06
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY (PA)

On XX/XX/XXXX I entered into Payment Cure Plan with XXXX   XXXX card online. The payments were set for automatic draft for XXXX, XXXX and XX/XX/XXXX. After the 3 payments were made, the account was was to be brought current. After the final payment was made, the account was not brought current. I attempted via online messaging to get the account corrected on XX/XX/XXXX. I was directed to call in. I have called on XX/XX/XXXX, and XXXX. I called again on XX/XX/XXXX. Each time I have been told different reasons my account was not reaged, and that it would be fix within a week. It is still not corrected. My account has now been sent to collections, when it should not even be considered late based on the payment agreement. During my most recent call, I was told that the agreement was made incorrectly and my account was not eligible to be reaged. I made my 3 payments as agreed and not red card is not keeping their end of the agreement and have since sent the account to collections. Even if the account was not eligible to be reaged, I was never informed of this and was going off the accepted agreement I have from them.
Consumer complaint received 2021-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Ironically I opened a credit building account with Bank of America in mid 2008 by them receiving a deposit from my account. Upon successfully completing the program before the end of the same year my deposit was to be returned to me. Bank of America claims that it did return my deposit by mail but to date I have not received said monies. I tried then to have the matter settled but they refused to accept responsibility for my deposit. Bank of America was and is unable to provide confirmation that the cheque was ever mailed, there was no registered slip, no return receipt.
Consumer complaint received 2018-09-04
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. (FL)

On XX/XX/2018 I called XXXX XXXX customer service line to have my balance and close my account because I was transferring my balances to my XXXX XXXX. The Customer service representative gave me the amount of {$610.00} and told me that if they were any over payment they will send me a check. On XX/XX/2018 I paid the balance that I was informed {$610.00}. On XX/XX/2018 XXXX XXXX submitted a check of XXXX for the over payment ( I attached a picture of the check to this reclamation ). Recently I received a call that I owe money to the credit card company. I explained to over 5 different representatives my situation and they were very rude and didn't want to deal with the situation. Now they informed the credit bureau as they say I am delinquent. This situation is turning very stressful as they are affecting my credit and don't want to even check the proof that I have.
Consumer complaint received 2018-09-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

Each time i file a complaint with your agency if tip off the people i'm complain n about then they harass me. 

If you can not do your job them send the complaint to the FBI As a XXXX Veteran the company XXXX XXXX XXXX has attempted to extort, defraud and lie.
Consumer complaint received 2018-09-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Enterprise Systems, Inc. (CA)

Harassment! Calls up to 10 times a day from the same number ( XXXX ) XXXX, or different numbers, leaves blank messages, with nothing on them. Sometimes calls from other numbers. I have blocked their number, I have called them and they were extremely rude on the phone, and refused to send a validation letter to me.
Consumer complaint received 2022-07-09
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. (TX)

I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, I noticed that some late payments posted to my credit report : XXXX XXXX This company is in clear violation of the law, Under 15 U.S.C. 1681b - permissible purpose of consumer reports, The Clearly States : In general.

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to finish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions. -- Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 U.S.C. 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2021-12-07
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: EQUIFAX, INC. (PA)

This is my 2nd complaint regarding these inaccurate accounts on my credit report. I wasn't notified if these accounts were verified or not. Please investigate this existing issue and remove these inaccurate accounts from my credit report.
Consumer complaint received 2018-09-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (VA)

I closed on my home on XX/XX/2018, with XXXX XXXX servicing my mortgage. I was notified on XX/XX/2018, that my mortgage was sold to Amerihome. I immediately registered for an online account for Amerihome to attempt to establish a payment for my bill due XX/XX/XXXX. The option to make a payment was not available in my online account at that time ; therefore I contacted customer service who told me verbally that I would have to wait until after XX/XX/XXXX because my account was too new to make a payment that was due XX/XX/XXXX. On XX/XX/XXXX2, I attempted to log into my account and my account had been deactivated ; and when I attempted to register a new account, the system would not allow me to do so based on the fact that I had an existing account. At that time, I attempted to call customer service, which was closed. On XX/XX/XXXX, I called customer service and spoke to a representative who told me I have " stops '' placed on my account until XX/XX/XXXX, which block me from accessing my online account and making payments through the automatic phone system until after XX/XX/XXXX. Meanwhile, I have a bill due on XX/XX/XXXX and XX/XX/XXXX, while I am blocked from making payments online and through the automatic phone system. The customer service representative informed me that the only way to make a payment that is not made through the website or the automatic phone payment system, is through a customer service representative who will charge me an additional {$5.00} service fee to process my payment. In summary, I am blocked from making timely payments online or through the phone system, I am also blocked from establishing an automatic monthly withdrawal from my checking account, compelled to pay an extra fee to make a payment through the customer service representative ( which is the only option available to me ), and do not expect have access to my online account until XXXX. Furthermore, I had planned to make an extra payment to the principal each month, as I had done previously before my loan was transferred, and I am blocked from doing so without paying the additional compulsory fee ; therefore, the mortgage lender is charging me additional interest and PMI charges than I would otherwise pay, if I had full access to my account and was allowed to make additional payments to principal.
Consumer complaint received 2018-07-25
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions, LLC (OH)

I requested a copy of the bill back in XX/XX/XXXX that is leaving a negative mark on my credit report. I have not received a copy of the bill.I explain that this could be my son bill which he has his own insurance if not I'm willing to pay off.
Consumer complaint received 2019-01-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Coast to Coast Financial Solutions, Inc. (VA)

I have applied for a mortgage loan with the XXXX XXXX XXXX XXXX XXXX and they are requesting that a collection item on my credit report for {$280.00} reported by Coast to Coast XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX be disputed/resolved before I can close on my loan. I attempted to access my credit reports through XXXX. I was able to access the XXXX  and XXXX   sites but I could not access the XXXX site. The fraudulent item was not on the two sites that I could access so it must be on the XXXX  site. I have attempted to access their site with no luck. The phone number on the site only allows you to order the report through the mail which I have done but it can take up to 15 days to receive and not sure how I will be able to dispute the item if I can not access online? They are reporting fraudulent activity on me and I can not access their site to resolve this issue. This is holding up my mortgage loan and I am reporting XXXX   and Coast to Coast to the CFPB to have this fraudulent item removed from my credit report and be able to close on my mortgage loan.