davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-09
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: CURO Intermediate Holdings (CA)

On XX/XX/2020, Ad Astra Recovery Servic add a derogatory marks on my credit reports per XXXX, XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA Ad Astra Recovery Servic has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2021-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I have challenged the accuracy, compliance, and reportability of this listing. 
I've asked that this debt be validated with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus withthe required disclosure within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on XX/XX/2020. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 
I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

As you have violated federal law, by not properly providing the credit bureaus with the proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. 
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3 )
Consumer complaint received 2020-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

My mortgage was purchased by Bayview Loan Servicing LLC and they requested a copy of my homeowners insurance. In order to refinance my property I provided proof of insurance and always maintained insurance on my property. They purchased my loan and have insurance agent 's agent information why not just contact them? It looks like they are running a scam by placing insurance on your property knowing that borrower already has insurance.
Consumer complaint received 2022-06-10
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. (AL)

XXXX, Transunion, and XXXX are all illegally reporting my information without my consent. Violating FCRA laws it is under my understanding that all debts that have been paid in full can not be reported as late nor can any debt be reported without my consent that is a violation of the law and considered identity theft. according to 18 U.S. Code 8 - Obligation or other security of the United States defined U.S. Code Notes prev | next The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

( XX/XX/1948, XXXX. XXXX, XXXX XXXX. XXXX. )
Consumer complaint received 2022-02-03
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. (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 Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-03
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. (TX)

On XX/XX/2021, XXXX XXXX XXXX  appeared on my report with a balance of {$12000.00}. I submitted a report with CFPB case number XXXX and received the attached report from XXXX XXXX  XXXX with no record of the account.
Consumer complaint received 2021-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NY)

Horribke experience I applied for the Llbean MasterCard and I called and they refuses to call me to verify me my fraud alert the line kept disconnecting then they say that since I had a closed account with ll bean I have to wait until XXXX when they never told me that this isnt fair the way I was treated I wish to be contacted by Citi executive office by phone to explain what happened further
Consumer complaint received 2019-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AR)

Information inaccurately reporting. 
1. XXXX XXXX bankruptcy not my account. 
2. XXXX XXXX paid as agreed. 
3.XXXX XXXX XXXX XXXX XXXX XXXX agreed was never delinquent on XXXX & XXXX of XXXX 4.XXXX  XXXX falls under XXXX XXXX medical act paid in full. 

5 XXXX XXXX XXXX purging and re-aging the account. Account being paid as agreed.
Consumer complaint received 2019-08-22
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. (AR)

Information inaccurately reporting. 
1. XXXX XXXX bankruptcy not my account. 
2. XXXX XXXX paid as agreed. 
3.XXXX  XXXX XXXX XXXX XXXX XXXX agreed was never delinquent on XXXX & XXXX of XXXX 4XXXX XXXX falls under XXXX XXXX medical act paid in full. 

5 XXXX XXXX XXXX purging and re-aging the account. Account being paid as agreed.
Consumer complaint received 2020-12-13
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: EQUIFAX, INC. (UT)

XXXX XXXX XXXX has taken my case against XXXX and I am requesting statements from XXXX to XXXX from XXXX XXXX and XXXX XXXX. I need to have copies for my records. As this account had fraudulent balances that were never resolved by XXXX. The credit reporting that they continue to report I will be seeking penalties and damages for the financial hardships it has caused.
Consumer complaint received 2021-07-07
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 — Investigation took more than 30 days
Company: Resurgent Capital Services L.P. (GA)

I have filed a dispute in regards to the incorrect items on my credit report. Its been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2019-08-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IL)

I submitted a complaint to you regarding what I consider to be subprime predatory lending. I filed this complaint on Sunday XX/XX/2019. It was against One Main Financial. Their response to the complaint was that they would respond, per your site, after they look into the matter. Because I sent it on a Sunday, it probably came across their desk on Monday morning. 

Well today is Thursday XX/XX/2019 ( 3 days later ) & I was served with a summons to appear in court on or before XX/XX/2019! They served me more than a month & a week after the deadline for which I was supposed to make this appearance! 

Would the timing of this serving have anything to do with the fact that I attempted to resolve my financial burden through CFPB? 

It is these very tactics, along with the ones listed in my first complaint with CFPB regarding my struggles and inability to meet their demands, that makes it hard to trust in this institution and attempt to begin any kind of resolution, without the assistance of CFPB and the FTC. 

How can I answer a summons, that the deadline was missed before I was ever even summoned? Is this legal? What are my rights?
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (PA)

A fraudulent account for the XXXX credit card was opened in my name using a previous address - one that has not been valid since 2017 - and my email address that was obtained in a data breach. I received email notification of the approval XX/XX/XXXX at XXXX XXXX and within minutes emails for purchases were also received. Some of the purchases were to be delivered to addresses in New York, New Jersey, and some were set to be picked up in-store in XXXX, Ohio. 

I called Comenity- the issuing bank - to talk to someone on their customer service line and was disconnected numerous times. When I did speak with someone, they were not helpful and did not understand when I said that the account was fraud. 

I followed up twice in writing, stating that my information was stolen and this account was opened as the result of identity theft. They followed up with a letter stating that their investigation shows that the address used is on my credit report, therefore it must be valid. They concluded that the account must be mine since they used a previous address and a stolen email. They refused to close the account or acknowledge that it is fraudulent.
Consumer complaint received 2018-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My savings and checkings accounts were closed because of a check deposited into my account that was addressed to another person for payment of work. 

I think the payor reported the checks as stolen because my accounts were closed and reported to XXXX XXXX for fraud. 

Bank of America didn't allow me access to any of my information or speak to me about the accounts to settle this dispute. 

The payee of the check, that I'm guessing was reported for fraud, used to have a joint account with me, and the bank has allowed the payee/and myself to deposit and withdraw funds, including checks. 

I was a consumer with this bank for a few years, with only minor issues such as low account balance, overdraftfees, debit card holds when I went over my daily spending amount I sent with Bank of America 's online services. 

My online access was also closed. 

My account information has sinced been released once to myself and it was because I brought a release of financial information form that my eligibility worker for the county social services requested be submitted for my assessment for county services. That was XX/XX/XXXX. 

My accounts had been closed XX/XX/XXXX and correspondence with the collection/ consumer reporting agency, XXXX XXXX , didn't begin until XX/XX/XXXX. And last communications with the company was XX/XX/XXXX with no resolution or correction to the information reported by Bank of America, and my personal information continues to be flagged for fraud with any financial institution that I attempt to earn credit, use/apply for services.
Consumer complaint received 2020-12-09
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. (OH)

XXXX  ; Experian and XXXX  are failing to review and/or research any of my dispute letters that have been sent to XXXX XXXX  partial account number XXXX ; XXXX XXXX account number XXXX and XXXX/XXXX  partial account number XXXX. XXXX  is failing to review and/or research any of my dispute letters that have been sent out to XXXX XXXX XXXX partial account number XXXX. Experian is failing to review and/or research any of my dispute letters that have been sent to XXXX XXXX partial account number XXXX and XXXX XXXX partial account number XXXX. XXXX  is failing to review and/or research any of my dispute letters that have been sent to XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) My current credit report stills shows these accounts as Accounts not Dispute. I have not received any communication from the bureaus regarding the status of my dispute letters. It is very disappointing that the bureaus are not taking the time to actually research the issues outlined in my dispute letters and as a result of this lack of due diligence, negative items from the bureaus still continue to appear on my credit report. Pursuant to the F.C.R.A. 
You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. 
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. 
I respectfully request that the ( 3 ) bureaus review and update my credit report to display correct information. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2019-08-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

Had my loan transferred from XXXX to LoanCare. 

During the first payment cycle, I sent a physical check and remit slip that came from LoanCare, to their payment center. Check was sent on XX/XX/2019. XXXX XXXX shows received on XX/XX/2019 and cashed XX/XX/2019. LoanCare " can't find '' the payment and has been investigating for 4 weeks now with no resolution. 
Each week I have been calling to check in and the answer is the same thing each time : " we're working towards a resolution and I'd recommend giving it another week. '' I have tried to work out how to make my other payments while this one is investigated and each time I explain the issue with my escrow evaluation changing payment amounts between XXXX and XXXX, the reps mention that their system won't process the payments correctly until XXXX is paid. 

I don't feel like I should have to hold a company 's hand to this extent when I am trying to make my payments as normal. 

Starting on XX/XX/2019 : I started receiving pre-foreclosure letters because of missed payments. I am at a loss of words over this since I am doing everything I can to resolve the situation and get the payments made.
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-02-03
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/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX
Consumer complaint received 2023-03-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (VA)

A few years ago when I had a Wells Fargo checking account money kept disappearing unexpectedly when I would look over my statement I would see unauthorized charges I called each and every time those charges showed up and told customer service I didn't make the charge I didn't authorize it but it was made and led to multiple overdraft fees having to be paid even though I wasn't causing the overdraft it got so bad I finally just gave up and told them to keep whatever was left in my account and I quit Wells Fargo
Consumer complaint received 2022-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (IA)

XXXX transaction on checking account that was canceled but payment released and charged to my account on XX/XX/XXXX. 

XXXX transactions not cleared and called customer service to assist and cancel fraudulent transactions and was told they couldnt do anything until posted and then I could file a dispute claim. 

Called to file dispute claim for the XX/XX/XXXX canceled/paid and XXXX I tried to cancel but posted and was told to late couldnt file claim to late and I had to call XXXX customer service. Called XXXX customer service and was told I can post a complaint but they couldnt cancel or help either. So, neither corporation carriers fraud insurance to cover the Scam/Frauds going on via the internet. Customer has lost a lot of funds and its no ones fault to correct.
Consumer complaint received 2022-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

This is my second complaint against Chase. This is not a duplicative complaint. My first complaint was regarding depositing a valid state government check from EDD, and Chase egregiously placed a two week hold on my funds. My valid state check is unemployment insurance that I am legally entitled. There was absolutely no reason to place a two week hold on a valid state check. I was then instructed by Chase to call the Hold Department. I was on hold for over three hours and never got to an agent. I attached a screenshot of the excessive hold time as supporting documentation for my first complaint. Two weeks later, Chase removed the hold and I received my funds. For my second complaint, I then deposited more checks from the same issuer : the state of California. Chase again, placed a two week hold on my funds. Why is Chase placing another two week hold on a valid check from the same issuer previously deposited and cleared? I have no history of bouncing checks. I am now going to leave a negative review against Chase on XXXX and XXXX reviews. If I had known in advance that Chase would place a two week hold on a valid government check, I would have never deposited my checks. I would have taken my business elsewhere. To do this to a customer during a deadly pandemic is incomprehensible.