davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-15
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. (TX)

I've been in XXXX Texas since XXXX, The address Equifax has of XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX I own but it is currently rented out to a husband and wife couple. The XXXX Card I never applied for and I have No need for credit since I am authorized to use my childrens credit cards. Please Delete the Fraudulent Account listed below. 

Account - - XXXX XXXX XXXX Account Holder - - XXXX Account Type - - Revolving Account Condition - - Closed Date Opened - - XX/XX/XXXX High Balance - - {$330.00} Monthly Payment - - {$44.00} Account Balance - - {$230.00} Last Reported - - XX/XX/XXXX Amount Past Due - - {$0.00} Limit - - {$500.00} Remarks - - - Responsibility - - Individual Account Past Due - 30 Days - - XXXX Past Due - 60 Days - - XXXX Past Due - 90 Days - - XXXX
Consumer complaint received 2021-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

disputed a transaction with capital one regarding a transaction with XXXX XXXX to which they double charged me for a transaction for services that were not rendered, i paid for a booking through a 3rd party for a flight via XXXX on XX/XX/2021, ITNIERY and confirmation XXXX FOR {$90.00} WHICH IS THE ACCURATE CHARGE XXXX CHARGED ME ADDITIONAL XXXX WITH A CONFIRMATION " XXXX '' the same day XX/XX/2021 when i called XXXX they acknowledged the error, but stated they can not process a refund, they can issue me a credit voucher for future travel to which i refused, I DO NOT WANT A VOUCHER, I DO NOT WANT TO USE THEIR HORRIBLE SERVICE, THERE WAS NO SERVICES RENDERED TO JUSTIFY THE TRANSACTION, SO IM NOT OBLIGATED TO GIVE XXXX ANY MONEY! AND CAPITAL ONE, IS UPHOLDING THE TRANSACTION!! I PROVIDED PROOF ND NOW THEY ADDED THE BALANCE TO MY ACCOUNT, TO REPORT TO THE CREDIT BUREAUS WHICH IS UNACCEPTABLE, WHERE IS THE PROOF THAT SERVICES WERE RENDERED FOR XXXX
Consumer complaint received 2019-03-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to very the accounts i disputed. Being that hey have gone past the 30 day mark and can not verify these account, under section 611 ( 5 ) (  A ) ofthe FCRA - 'they are required to promptly delete all information which can not be verified '' That i have disputed. Please resolve this issue immediately.
Consumer complaint received 2023-03-23
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Roth IRA CD Account. Under COVID regulations, allowed to withdraw and roll into Roth IRA without penalty. Verified orally on the phone there would be no penalty or fee. Incorrectly charged {$50.00} penalty for early withdrawal. Also charged a {$25.00} fee. Occurred in XX/XX/. Have called multiple times and visited XXXX branches over last 2 years. Each time told a ticket has been opened and there would be follow up. No resolution, no follow up.
Consumer complaint received 2019-03-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To CFPB, I hate to inform you as I know you are obviously busy with all the others that insist on not obeying the law. Upon checking my credit I noticed that Trans Union had something on my report from some one named XXXX XXXX XXXX, and as I searched this I noticed that this company keeps adding new charges to the balance to which I do not owe. CFPB I'm demanding that you fine Trans Union for this neglect to even check things out, this type of reporting is slanderous and we are contemplating suing them over this. As you know I have suffered tremendously with XXXX and this is adding to the stress. Take care of this CFPB!!
Consumer complaint received 2019-03-27
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. (TX)

XXXX XXXX ARE REPORTING AN UNPAID XXXX XXXX XXXX BILL FOR AN UN RETURNED CABLE BOX. THIS IS NOT CORRECT THE BOX WAS RETURNED AND THE ACCOUNT WAS PAID TO XXXX. MY CONFIRMATION NUMBER IS XXXX. I SPOKE WITH EMPLOYEE XXXX AT XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

I received a letter dated XX/XX/2019, from Chase bank, stated that they are ending the relationship with me. They didn't provide any details which leads them to close my accounts. I recently started a new business and my spending pattern got changed. It was really a tough time when my accounts were closed being a new business owner. They closed our 4 credit cards, personal checking, business checking, brokerage and retirement accounts. I would like Chase to explain why they closed my accounts?
Consumer complaint received 2023-03-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: American Financial Network Inc. (FL)

This is nightmare since XXXX. I'm being approved for the XXXX XXXX funds for 17 futures mortgage payments in XX/XX/2022. This is a federally funded and regulated program - overseen by the U.S. Treasury. Mortgage companies and are required to comply with guidelines set forth by the Federal Government in terms of reporting and communication. HAF are sending the bulk checks and they aren't applying on time to my account. As of today, my XXXX and XXXX, XXXX payments are past due because they aren't applying the payment on time. It's not fair that they received the payment on time and they still reporting to the Credit reporting agencies. I'm being calling almost every day and they told me that is an issue with XXXX that is the third party that apply the payments. Since XXXX they are receiving the checks but not applying to the account. It's so unfair that we have to go through this situation.
Consumer complaint received 2022-06-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX Bank of America officially closed my checking account ending in XXXX. {$13000.00} in funds were placed on hold. 
The stated reason for these actions was third party transfers into the account. I rent a property to a tenant. Over the course of a year the tenant paid their rent using transfers from his Bank of America issued EDD debit card. Although these transfers are prohibited by the Bank of America debit card rules Bank of America still allowed the transfers to go through. 
Bank of America has declined to release the funds to me, or to send the funds back to the tenant. I have called the Fraud Department, Risk Closure Department, and General Customer Services Department numerous times over the past 14 months with no positive results and no viable suggested course of action.

At Bank of Americas request, in XXXX of XXXX the tenant attempted to recover the funds through EDD. EDD replied that too much time had elapsed, and they are not able to retrieve the money. 
In XX/XX/XXXX, I filed a complaint with the Office of the Comptroller of the Currency, case number XXXX. On XX/XX/XXXX, Bank of America responded with a letter explaining their rationale for closing the account and stating the funds will be held until their investigation is completed. I had been informed previously over the phone that Bank of Americas fraud investigation finished in XXXX of XXXX, over a year ago. 
Bank of Americas response letter to the OCC case includes the phone number ( XXXX extension XXXX ) of the Regulatory Complaints Senior Resolution Specialist, XXXX XXXX. Over the past two weeks, all my phone calls have gone to voice mail, none of my calls have been returned. 
The funds should be released to me to fulfill the tenants original purpose which is paying their rent.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.
Consumer complaint received 2019-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (NM)

Im applying for XXXX XXXX XXXX XXXX Loan forgiveness and need a pdf of my payment history. Id requested the payment history and submitted it in a word document format, but then was informed it needed to be submitted as a pdf by XX/XX/XXXX. I called my loan servicer on XX/XX/XXXX to request this. I was instructed to try saving the website as a pdf, but that didnt work. I called again and was told it could be done but would take longer to process, that it could be ready XX/XX/XXXX. I repeated this to confirm since it was the same as my due date. Today is XX/XX/XXXX and by the time I finished work, I still hadnt received the pdf so I called again. I was told that getting it as a pdf is never possible and thatwhile they could see both phone calls from XX/XX/XXXX, no action was taken after the second XX/XX/XXXX call. Furthermore the most they will do for me is review the calls and provide further training to anyone who misinformed me, they will not do anything to compensate me for {$20000.00} in loan repayment if this means my application can not be accepted.
Consumer complaint received 2021-05-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (DC)

I received an email from XXXX that stated a new negative/major derogatory activity has appeared on my credit report. 
The name of the collection agency is Midland Credit Management XXXX XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Michigan. XXXX The amount that they claim I owe them is {$190.00} I called Midland and spoke to XXXX XXXX. I asked what this is about. 
He said I owe this amount from something to do with XXXX. 
I called XXXX this morning, they said my account is perfectly fine. No issues. 
Mr XXXX said they were handling the collection and that they bought the XXXX Acct that is no longer open. I spoke with XXXX this morning and they said that XXXX XXXX is somehow involved in this. That they did not see anything about XXXX. I have only had XXXX XXXX Account, and still have it.
Consumer complaint received 2019-03-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

I was previously using XXXX XXXX XXXX to help clean and correct my credit. They were sending letters on my behalf that I was unable to view prior. As of XXXX I have been the sole communicator in regards to the collection agency. I have repeatedly ask that send me documents doing a complete verification of the said debt. I have specifically asked for the orginal contract signed ( as the debt has been sold to another collection agency. Both are reporting the same debt ) I am also asking for clarification on how they came to the specific amount owed. Neither company has sent me the requested documentation. Instead the current collection agency just keeps sending me the same document saying that they are not going to respond even though they have yet to send me the documents in question that I have asked for several times. 
The orginal company that the debt started with is not even bothered to respond to any letters sent.
Consumer complaint received 2022-06-15
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. (TX)

In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions
Consumer complaint received 2019-03-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

This company has called and harassed me for years. They are calling my family members including my XXXX year old grandmother and harassing her and scaring her to death. They are abusive to her on the phone as well as my elderly parents. I want them to stop contacting any family members of mine immediately. I have repeatedly asked them to stop and they continue to do so. My family members have asked them to do so as well.
Consumer complaint received 2023-03-20
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. (CA)

I have already submitted disputes regarding this issue and got no action. I have contacted this bureau multiple times requesting an investigation. I am verifying that this is me who is disputing these fraudulent items. I need this removed and blocked permanently
Consumer complaint received 2022-01-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (PA)

I received a notice on my credit report about this debt from a collection agency hired by XXXX XXXX last year. This debt is a billing error that is the fault of the medical Providers office. I have made them ( the XXXX XXXX ) aware, my Medical Insurance which was billed incorrectly and also XXXX XXXX yet they continued and took this to collections. 

This amount is not my responsibility and this same account was able to removed from my XXXX credit report, but not XXXX and Im waiting on the results from a dispute with XXXX. 

XXXX XXXX should work with the billing error at the medical office and correctly bill the right insurance. I do not owe them any money.
Consumer complaint received 2019-03-27
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: Experian Information Solutions Inc. (MD)

I have contacted Experian multiple times during the past two months.And XXXX XXXX  as well, I spoke to XXXX XXXX  today with regards to two Accounts listed on my Credit Report and that Experian has both Accounts listed as CURRENT.I was told that there has to be an " Investigation '' .I informed the Customer Service Representative that there had been several investigations.And the fact that I had one Account only, needed to be submitted to Experian immediately. 
Experian refuses to realize that there is one Account.According to XXXX XXXX it is being reported every month as one Account. 
In addition, Experian is reporting that I have insufficient Income which is also inaccurate.
Consumer complaint received 2018-04-13
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: Resurgent Capital Services L.P. (PA)

XXXX was originally XXXX XXXX account that was deleted XX/XX/2017 and was sold to this computer. I was never notified about account being sold to collection agencies when the originally creditor removed the accounts.

XXXX XXXX XXXX XXXX Account is reporting late payments but I was never late or either in school, which the loan officers was contacted.
Consumer complaint received 2018-04-28
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Have automatic withdrawal to pay B. of A. mortgage. I refuse to do business with Bank of America due to their blatant, unfounded attack on 2nd Amendment rights. Thankfully mortgage, note holder agrees to refinance through another institution. We both feel leaving the Bank of America is out of our hands. Their recent actions regarding XXXX rights are absolutely illegal. We both believe Congress will intercede in this matter. In the meantime we must close all accounts with substantial amounts of fees being applied. We demand B. of.A. pay all associated fees. Taking responsibility for playing politics. An the attempt to steal rights from citizens is their own fault.
Consumer complaint received 2020-09-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (AR)

On XX/XX/XXXX, we paid Amerisave Mortgage {$500.00} for an application/appraisal fee for a refinance of our home. At that time we were told that the {$500.00} was required to lock in the rate in at 2.5 %. We asked for written confirmation of that rate and were told to 'trust ' the loan originator. We did not receive the rate lock in writing.

For several days after the 10th I repeatedly called and emailed Amerisave asking for confirmation of the rate lock. I was given numerous excuses relating to their 'system '. I clearly told Amerisave that if they could not confirm the rate lock by XX/XX/XXXX in writing that I would dispute the {$500.00} charge on my credit card. They did not answer my calls or emails other than to say 'my boss will call you '. The boss never did return our call and on XX/XX/XXXX I wrote again, to Amerisave informing them that we would be taking our business elsewhere. 

They have not refunded the {$500.00} charge.
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/2021 I sent you letters regarding those inaccurate information but, to this date, over a month has passed but I still havent heard anything from you. What's going on with my dispute, I have been sending you letters but it seems that you are not taking my words seriously, I heard you are trying to save money ignoring consumers dispute letters, I am seeking help to every entity that can help me regarding this matter, I am willing to go as far hiring an attorney if you continue to ignore my letters.
Consumer complaint received 2019-03-26
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. (ID)

Account was reported 30 days late XX/XX/2019 but account was paid. Creditor agreed to remove delinquent reporting with all credit bureaus but has yet to provide an update to XXXX   and Equifax. I would like the delinquent remark removed from my account and to reflect accurately on XXXX and Equifax.
Consumer complaint received 2018-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc. (FL)

Because XXXX XXXX refused to report the closing of accounts listed below which was closed date XX/XX/2018.by consumer ; closed account can be add XXXX XXXX-account XXXX XXXX ... XXXX XXXX-account # XXXX ... XXXX-account # XXXX ... XXXX-account # XXXX ... all accounts from XXXX XXXX, this company would not let me the consumer close those account with the credit bureau 's also report them open, I the consumer is reporting them to the c.f.p.b. to be added to the date basic to keep track of the date account was closed and by whom.
Consumer complaint received 2018-04-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (TX)

I signed up for an XXXX XXXX XXXX promotion -- internet and XXXX for around a {$100.00} a month for two years. When his first bill in XXXX was nearly double that, he complained to XXXX XXXX XXXX. 

" Every month I open up your envelope and you go, 'OK, what's the surprise this month? ' '' After, making multiple complaints to customer service I continue to get passed around with different information. At the end I was constantly placed on hold and problems was never resolved. Due overwhelming frustration I cancelled the service ; however, the continue to charge me. Now the have a collection agency {$2200.00} ( ERC # XXXX ) XXXX XXXX  XXXX XXXX FL XXXX. Every time I asked for validation of this bill the collection sells the dept and then a new collection agency attempts to collect a debt that's not owed. 

Basically, I was scammed, buy a bait and switch method. Because the never honored the promotion ; plus the cable service was always shutting office and the WiFi had a weak signal which continue to boot me off of the internet
Consumer complaint received 2022-06-15
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: ERC (IL)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2019-03-26
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: BAY VALLEY MORTGAGE GROUP (CA)

There is a hard inquiry showed on my credit report made by Bay Valley M on XX/XX/2018 that I do not recognize. I never applied for any type of loan from this institution.