davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Hi I am XXXX XXXX XXXX submitting this without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION (CA)

I need help with a company that is indifferent and totally unresponsive to my concerns. 
After using XXXX 's money transfer subsidiary Xoom to send money to a friend in XXXX, I was abruptly suspended, and after trying to find out why, their " customer compliance '' department cancelled my account. I have no idea why. Apparently Xoom is independent of XXXX with their policies/ I have used XXXX XXXX its inception and they have excellent customer service. This Xoom company said by email my account was cancelled. 
That there are no appeals, and if I tried to email them I would not receive a reply. 
Telephone contact was fruitless since everyone said, as if reading from a script, that this was company policy not to reveal why my account was cancelled. 
I need your help finding out the reason and how I can restore my account.
Consumer complaint received 2021-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (NV)

I have been unable to access account information for my SW Chase visa and thus contacted a representative recently and was told my account was sent to a lawyer. I have not received any written or email notification that my account or information would be sent to a lawyer nor for what purpose. I am unable to obtain any information when contacting Chase about the account, the total amount owed to attempt to work on payment options. My account now says that it is charged off. 
Ive been in contact with Chase regarding COVID 19 assistance to alert of need for assistance since early XXXX after loss of work due to COVID 19 pandemic ( closure of previous contract work, loss of contract work job offer, reduction of income as small business owner, lack of payment from pandemic unemployment due to glitches in their system ). Assistance was temporarily provided periods of assistance ( episodes of being allowed to skip payment ) and periods of payments, which greatly helped. Interest and fees were not adjusted and continued to accrue. Last known interest was 15.99 %, {$3900.00} interest and {$200.00} in fees for XXXX by XX/XX/2020. 
I requested lower payment, lower interest rate to attend to payments ; requests were denied. 
Continued to update SW Chase Visa about impact of COVID19, including no payment from unemployment due to continued problems in unemployment system ( payments not actually received until over a year later ). Chase representative relayed that I could not receive hardship assistance that would lower interest and payments due to having a high debt to income ratio. I conveyed it seemed that this is exactly the person who would benefit from lower interest and payments due to less ability to pay than someone with greater resources. The rep relayed option of doing a one time reduced payoff of lump sum {$20.00}, XXXX if I had that, I relayed I did not have that which was reason for requesting payment options to reduce interest and monthly payments. Representative also relayed I could pay full balance over time, yet payments were close to {$2000.00} per month, which were not feasible. I continued to request options for reduced payment arrangement. I requested any information over time of new options for COVID19 assistance or hardship assistance.
Consumer complaint received 2021-04-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TD BANK US HOLDING COMPANY (PA)

Every time I talk to the company at least local branch and the branch in New York all they do is tell lies. Now theyre charging me a {$35.00} overdraft fee for {$100.00} and they still in my checking account. I want the XXXX branch of XXXX XXXX XXXX. and XXXX XXXX I want the main workers there to be imprisoned. The security cameras for ATM machines security cameras inside the bank especially the ones around XXXX XXXX and XXXX need to be monitored and their computers need to be tested by someone that can tell if things have been altered including all IT systems because their bank statements dont match ATM machine receipts from right outside in the lobby. This is the fifth report about TD Bank in the last week they should be banned from doing business in the United States at this point because theyre stealing money. I never withdrew any money yesterday and now they are charging me an overdraft fee for the charges. In the past when Ive spoke with them they just try to say it its all my fault. Im done trying to deal with this bank. I want a federal investigation into every account Ive ever had with TD Bank. Than you.
Consumer complaint received 2022-10-11
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: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. What's going on there at the CFPB and to Experian? This is so unbelievable! How can you guys let these multiple complaints pass? I know I have stated this again and again but I have submitted this complaint numerous times already and I have attached all the information and documents needed such as my DL, SSN, Proof of Address, the dispute letter I sent to the bureau, the FTC report which I filed on their website to prove that I'm an identity theft victim. What else do you guys want?! PLEASE DO NOT IGNORE my request and DELETE the accounts which I do not own. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-12
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

I noticed multiple hard inquiries on my credit reports that I didn't authorize nor did I benefit from the inquiries. The date was XX/XX/2019. I have reached out to each of these companies on multiple occasions letting them know that didn't have permissible purpose but they have not removed these unauthorized hard inquiries.
Consumer complaint received 2022-10-11
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: Experian Information Solutions Inc. (NC)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Consumer complaint received 2021-06-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CU Recovery, Inc. (MI)

On XX/XX/XXXX I was contacted by CU Recovery about a debt collection for the amount of {$2300.00}. On XX/XX/XXXX I sent a Cease & Desist from Collections to the company along with documents outlining several US code violations. Their continuous calls and such conduct have caused me to suffer XXXX XXXX, embarrassment, XXXX XXXX and XXXX XXXX.
Consumer complaint received 2018-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CULLEN/FROST BANKERS, INC. (TX)

A transfer was done from my account through XXXX.my bank is frost bank. They act like they do not want to refund me money. they closed my account opened another one then called me later to tell me that it has to be closed too. They suspect tried to do another transaction which made them lock the account. So now i have to hurry and change my deposit from my employer before they try something again. I want frost bank to refund me my money as they never sent any notification that my bank was doing transaction.
Consumer complaint received 2015-05-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

I have a case already opened by CFPB ( XXXX ) Recently I received a Mortgage Account Statement from Ocwen that was rather Disturbing. 
Ocwen indicated that my original loan amount was {$900000.00}. This amount is completely inaccurate. I have emailed and fax a qualified Written Request ( QWR ) asking Ocwen to send me the original deed of trust and note that i have signed when i bought my house back in XXXX 2007. A XXXX has gone by and absolutely no respond from Ocwen. I have called to followup and every time after being on hold for a very long time somehow the phone gets discounted. what should i do now?
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Consumer complaint received 2021-06-12
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Porsche Financial Services, Inc. (CA)

Porsche Financial has been a nightmare of a company to deal with the entire term of the lease as i have had constant issues with their website and making payments as the site would either say down for maintenance or just simply not even working. Along with countless attempts to reach a representative to speak to, until about 2 months ago they provided a number that would forward you to a spam call that would never patch me to a rep. I finally did get a hold of someone only after filling other complaints through cfpb where i was provided anther form of contact that is not listed on the payment site. Now I'm receiving additional fees in addition to my monthly payment and they are reporting that my overall lease amount as hiring resulting in my score dropping 20 points!
Consumer complaint received 2018-06-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Maury Cobb, Attorney at Law, LLC (CO)

I have been getting repeated " robo '' calls to my home number from various numbers that all leave the same message about a collection of debt. I follow my credit rating, score and owe no debt that monthly payments having been made ( home, car, etc ). 

The debt collector message just lists the name of the lawyer and an 877 number. At first we thought this was just a " phishing '' type scam but some searching found this person is known for bad behavior in debt collections. That is the reason we have not tried reaching out ourselves. 

The caller : Maury Cobb Attorney XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX Number called from/date/time : XXXX XXXX XXXX/XX/XX/XXXX/XXXX and XX/XX/XXXX/XXXX XXXX XXXX XXXX/XX/XX/XXXX/XXXX and XX/XX/XXXX/XXXX XXXX XXXX XXXX/XX/XX/XXXX/XXXX XXXX XXXX XXXX/XX/XX/XXXX/XXXX These are just the calls I can remember documenting. The last call I saved the " robo '' call message as well. All messages are exactly the same and mention nothing about whom is being called or what the debt is about. Nothing has been received in the mail about this either. 

I have no documents but can provide the recording if required. Call logs can be obtained from my service provider if needed as well. 

Please make it stop and what other legal actions are available to me? 

Regards, XXXX XXXX
Consumer complaint received 2022-12-02
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: Experian Information Solutions Inc. (MI)

Experian has violated my consumer law rights my civil rights I have requested over 10 times for items to be properly investigated. They have refused to investigate these items and provide me with documentation and paperwork with their investigation details I have mailed attached to company certified and request that they complete a thorough investigation as requested in the letter attached.
Consumer complaint received 2021-06-12
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: General Motors Financial Company, Inc. (MD)

I noticed multiple hard inquiries on my credit reports that I didn't authorize nor did I benefit from the inquiries. The date was XX/XX/2019. I have reached out to each of these companies on multiple occasions letting them know that didn't have permissible purpose but they have not removed these unauthorized hard inquiries.
Consumer complaint received 2023-08-17
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. (LA)

XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX the company I called and spoke with the XXXX and stated to him that their company ran my credit without my consent and I have plenty of inquired from their company as if I were trying to obtain credit and he stated he will not correct the issue that I need to contact the credit reporting bureaus. 

XXXX XXXX, XXXX XXXX XXXX XXXX, and on XX/XX/XXXX : I contact the companies and I let the sale managers know there are plenty of unauthorized inquiries on my credit report and the sales XXXX stated I have to call the credit reporting bureaus to have them remove the inquiries. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I contacted these XXXX companies by mail and they stated the inquiries are accurate after I stated to them they were fraudulent and unauthorized inquiries made. They replied and stated to contact credit reporting bureaus and add them to add a fraud alert.
Consumer complaint received 2022-12-02
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: SYNCHRONY FINANCIAL (GA)

Letter, dated XX/XX/2022, addresses Synchrony Bank to opt-out of sharing and reporting my information to non-affiliates. Synchrony is reporting transactional history to credit report agencies, when I have not provided written consent to share or report any information.
Consumer complaint received 2021-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

Bank of America had closed my credit card and did not give me any way to redeem or cash out my cashback rewards. They closed my account without any notice until after the fact. I had called them to get my rewards but they said once the account was closed it rewards were gone.
Consumer complaint received 2018-08-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (FL)

My son, XXXX XXXX, was seen in the ER on XX/XX/2016. Although he was eligible for care our insurance provider at the time of visit, the billing company for the provider ( TeamHealth ) did not process his claim through our insurance provider. I was never contacted regarding this claim as the medical billing company entered my information incorrectly into their database. I was not aware of the debt until I saw a collection appear on my credit report over a year later. When I contacted the medical billing company, they verified that they had in fact mis-entered my name and address and my son 's date of birth and insurance information. The insurance provider ( XXXX XXXX XXXX XXXX XXXX ) has contacted both the medical billing company and the collections agency ( Wakefield and Associates/ XXXX XXXX XXXX ) to validate that XXXX was eligible for coverage at the time of service and that the claim needs to be processed through his insurance. The medical billing company and the collection agency have stated that they refuse to process the claim as the timely billing window has passed and they do not want to have write off the amount but, rather, expect for me to pay. This debt is consequence of an error on behalf of medical billing, has still not been processed through insurance, and is not my debt. 

I submitted a debt validation letter ( attached ) and was provided with a bill ( attached ).
Consumer complaint received 2018-08-22
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: Experian Information Solutions Inc. (TN)

It has been over 120 days, since XX/XX/2018, where I have sent in my first round of dispute letters by certified mail ( i.d . theft affidavit and police report ) for the credit bureaus to remove the fraudulent information from my credit report in violation of 15 U.S.C. 1681. 
This is my second time disputing these fraudulent accounts by certified mail ( affidavit of truth and facts ), since XX/XX/2018, on contacting the bureaus, and since then, I still havent had any results on the fraudulent information being deleted from my report. The credir bureaus are required under the FCRA to have properly verified that an account listed on my credit report is mine by having a copy of the original application. 
On XX/XX/2018 I certified mailed a second written request for the bureaus to remove the still remainding fraudulent accounts that are on my report. The bureaus have not provided me with a copy of the original documentation that they have on file. Under 609 and 611 ( a ) ( 1 ) ( A ) of the FCRA, the credit bureaus are required to promptly delete  all information which can not be verified. 
Under section 617, the law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' These bureaus have had over 120 days to complete these actions.
Consumer complaint received 2023-07-06
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: Bread Financial Holdings, Inc. (PA)

In XX/XX/XXXX I discovered an inaccurate report on my credit report while applying for a mortgage. This error has resulted in a denial which has adversely affected me financially and made it impossible to secure suitable housing. 

I contacted the creditor, Comenity Bank, directly via their XXXX number. They were unable to provide any details as they showed the account closed and sold to a 3rd party collection company, XXXX XXXX. 

I then contacted XXXX XXXX for details about this account as I had no recollection of opening a credit card with Comenity Bank. They too had limited information and referred me back to Comenity Bank. 

After numerous calls with supervisors at Community Bank I was able to ascertain the purported debt is from a My BJ 's membership card which I never authorized. Without my knowledge this card was opened despite me paying cash for my purchase at the retail outlet with my a free trial membership. An automatic BJ 's membership was charged to the card. I never received the physical card. I never activated the physical card. I never received any bills or statements. Without my knowledge and consent this account was created and an automatic {$59.00} membership fee was assessed. Nothing else was ever billed to this account. The {$59.00} fee ballooned to a {$340.00} credit charge off on my report and a secondary collection from XXXX XXXX. 

On XX/XX/XXXX I sent a certified letter to Comenity Bank addressed to the Clerk of Records asking for this to be investigated and resolved. To this date, I have not received any response. 

After not hearing back, I sent a simliar letter to XXXX XXXX who opened their own investigation. On XX/XX/XXXX, XXXX XXXX mailed a letter stating they couldn't substantiate the debt and they have ceased collections considering this a closed matter. They immediately deleted all records of their collection activity from my credit report. 

However, the charge off was still showing on my report with a balance from Comenity Bank. I then proceed with another letter to Comentiy and this time all three credit bureaus. Once again, I received no response from Comenity Bank but the three credit reports did update the reporting balance from {$340.00} to {$0.00} keeping the charge off as verified. The charge off status is completely inaccurate and is still preventing me from securing a mortgage six months after my initial attempt. 

I have exhausted all resources in attempting to resolve this with Comenity Bank and the credit bureaus.