davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have audited and sent BANK OF AMERICA a billing error notice and a cease and desist and I have multiple open unresolved complaints with BANK OF AMERICA through the consumer financial protection bureau.they have just taken adverse action against me by reporting to credit reporting agencies XXXX, XXXX, and XXXX ; that I have not made a payment and that an alleged debt is owed.Pursuant to.12 CFR 1026.13 until a billing error is resolved adverse credit reporting is prohibited.They have fraudulently reported I missed a payment and that a false amount is owed.BANK OF AMERICA now subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of 12 CFR 1026.13. be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section. This adverse action will forfeit BANK OF AMERICAS rights to collect the disputed amount as described in 15 U.S.Code 1666 ( e ) and hold them liable under 15 U.S.Code 1693m for the actual damage caused to I, as well as held to criminal liability pursuant to 15 U.S.Code 1693n for failing to provide required documentary evidence as requested to clarify and revolve the previously addressed billing error. They have not provided the documentary evidence requested pursuant to 15 USC 44 and IRS publication 583 both journal and ledger including any and all accounts made using my intellectual property and signature associated with this account both public and private.They have not provided me a full full disclosure requested pursuant to 15 USC 1681g either.
Consumer complaint received 2018-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (NJ)

Company has no contractual agreement with me. I have not heard of company and do not consent to their interference and disruptive practices. Company refuses to provided proper validation pursuant to law. Was forced to make payment in order to stop harassment, while seeking litigation. Company still harassing despite payment and request for validation. When verification was repeatedly requested the company sent a statement of account with no verified information pursuant to [ Section 609 ]. ( see uploads )
Consumer complaint received 2021-11-18
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. (OK)

I made a dispute about the XXXX XXXX account showing up on my credit it report and i told them this is unfair and unjust that they are make a report on my credit and I wanted it removed Immediately. They still have not removed it from my credit and are still report it as a charge off. i am trying to better my life and raise my credit score so i can buy a new home and this is hurting me can you please help
Consumer complaint received 2021-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I made a dispute about the XXXX XXXX  account showing up on my credit it report and i told them this is unfair and unjust that they are make a report on my credit and I wanted it removed Immediately. They still have not removed it from my credit and are still report it as a charge off. i am trying to better my life and raise my credit score so i can buy a new home and this is hurting me can you please help
Consumer complaint received 2019-08-05
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: BB&T CORPORATION (TN)

XXXX XXXX of BB & T in XXXX XXXX, TN pulled my mother in laws credit report ten times back in XXXX of 2018, which ruined her credit report rating. He has since caused problems of rudeness. He told us the loan we applied for, of which he pulled her credit ten times, was denied however we never received a letter stating why. He refuses to answer our questions. I have been told to report on Regulation B.
Consumer complaint received 2021-08-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX I received an alert on my mobile phone saying {$500.00} were being drafted thru XXXX. I immediately contacted Wells Fargo Bank. They took down my statement - fraud against my savings account of {$500.00} thru their XXXX program. They sent me a letter XX/XX/2021 telling me the claim was closed and would be taking the {$500.00}. I then called them to dispute this charge once again. They further indicated that reason was because " other bank '' did not return the funds to Wells Fargo so I was stuck with the fraud. I do not appreciate it because someone committed this fraud. I did right thing by notifying Wells Fargo immediately. They failed to collect the funds that started with their online services XXXX. I demand a full refund {$500.00}. Thank you. I need to be made whole.
Consumer complaint received 2021-08-24
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. (CA)

Throughout the years, i've had to file against the credit bureaus due to inaccurate reporting of the facts regarding a collections from XXXX that is handled by XXXX XXXX XXXX. Last month, all the credit reporting agencies including Equifax finally removed this item from my report. As of today XX/XX/2021 my credit report shows there are no collections, zero. I am writing to you because there is a collection by mail from Equifax today and this is misreporting, unlawful, damaging top my perfect credit history and unlawful. 
Please see the attached documents. As it stands, XXXX XXXX and XXXX have been wrong all along and I have submitted much paperwork to prove it. It is unfair to report both things as true and false at the same time, therefore it is inconclusive and inaccurate reporting and it needs to be stricken and removed from my public record and report immediately. I find it appalling to see how these collection agencies do not ever do any thorough investigation as items keep getting placed back. This inaccuracy has been made public and it tis time to stop! As I see it, the credit reporting agency Equifax is wrong in reporting inaccuracies and at the same accounts as closed and removed and opened and current at the same time ; Inaccurate, damaging and unlawful.
Consumer complaint received 2022-03-25
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

In XXXX I was approved by Carrington Mortgage for mortgage assistance. I was required to make three trial payments. I did so on time. I was asked to make an additional trial payment, and I did as requested. After making the fourth payment, Carrington rescinded their approval stating that I needed my ex-husband 's signature. The company all the required documentation they had requested. They had the divorce decree and the Quit Claim Deed. My ex-husband was nowhere to be found. He had voluntarily left the house over a year ago. 
I have the money to make the house payments. It doesn't make sense why this is happening. Now my house is in foreclosure because the mortgage company will not accept my request for mortgage assistance again. I'm about to lose a home that I have worked hard to keep. 
I am XXXX from college in XXXX and have had outstanding job offers. I want to pay for my house, but the mortgage company has done everything to block that. They did not call me with their plans to foreclose the home even though I requested they call or email when they have issues they wish to discuss with me. I always have to call them to find out what happens next. Now it seems like their tactics to take the home has finally worked. My house is scheduled for foreclosure on XXXX XX/XX/XXXX.
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

inaccurate/ unauthorized fraud items on my credit report XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONXXXX XXXX XXXX XXXX XX/XX/2021 XXXX
Consumer complaint received 2018-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT BUREAU OF FARMINGTON, INC (CA)

Collections : CBF/XXXX Creditors Address:XXXX XXXX XXXX XXXX , NM XXXX   Account Type : Collection Agency/Attorney Creditor Type ; Rental/Leasing Placed in collections:2013-XXXX Amount Owed : {$2500.00} Account Rating : Collection account This Debt was result of identity theft!!

Please help me, I can't solve the problem, I am troubled.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-18
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)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX-Balance {$510.00} XXXX {$0.00} XXXX XXXX-XXXX-Balance {$110.00} XXXX-Balance {$1500.00} XXXX XXXXXXXX*-Balance {$1400.00} XXXX XXXX-Balance {$8.00} XXXX XXXX XXXX***-Balance {$15000.00} XXXX XXXX XXXXBalance {$0.00} XXXX XXXX XXXXBalance {$140.00}
Consumer complaint received 2019-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (CA)

Our mortgage company, XXXX XXXX XXXX, transferred our loan to PHH Mortgage company. We have been recently denied a modification and as a result are facing foreclosure. The problem is PHH mortgage is not able to give us an accurate amount owed so we can resolve our arrears! 
We received a statement stating the arrears are XXXX. Then I spoke to XXXX today from PHH ( XX/XX/19 ) stating the arrears are XXXX. My husband spoke to someone yesterday who stated the arrears are XXXX! 
We have made payments we have receipts for that have not been applied to the delinquency, because according to XXXX, the loan was transferred and payments have not been updated! The loan was transferred almost a year ago! 
We have asked the company 's OMBUDSMAN to intervene several months ago and do a payment search and he has not given us information either. 
We are requesting your help. We are facing foreclosure and would like to know the amount we owe so we can try and resolve this. Thank you.
Consumer complaint received 2021-11-18
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: Pacific Credit Exchange Corporation (CA)

I have sent Identity theft paperwork to remove accounts resulting in identity theft. 
The accounts remain on my report and pursuant to 15 usc 1681 c-2 the accounts were suppose to be blocked from my credit report. As a consumer I feel defeated and taking advantage of. Please assist with removing these accounts asap. 

XXXX XXXX XXXX XXXX PACIFIC CREDIT EXCHANGE
Consumer complaint received 2021-08-24
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. (NY)

Good  Day, I sent the 3 credit bureaus letters well over 3 months ago and I haven't heard anything back from them saying they received my letters or anything. I wrote to them back in XXXX  and just recently I sent over a 60 non comply letter and still no answer. Also I never authorized any furnishers to report on my credit and what they are doing is illegal and I will have no choice but to fill for litigation because they are in the wrong. Thank you for your time and I hope this get handled quickly.
Consumer complaint received 2021-04-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ORG GC GP BUYER, LLC (WA)

I have already notified XXXX and GC Services that this credit card was opened without my knowing. My now estranged wife had used my social security number behind my back to open multiple credit cards. She is XXXX XXXX / XXXX XXXX and I have had to file for divorce because of this. I am not responsible for the debt that she has incurred in my name. I am a victim of identity theft. A police report was submitted to the XXXX XXXX Police Department on XX/XX/2020. I have found out that there are 7 other police reports with her as the suspect of fraud / theft.
Consumer complaint received 2023-07-28
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Monterey Financial Services LLC (FL)

I started a XXXX XXXX  program that promised hands on experience, a number I can call for help with any questions as well as a XXXX  but I had to pay XXXX until XXXX was paid off I was excited but I was realizing everything they promised me I was not getting. XXXX XXXX would call every week to Explain real estate all the coach did was explain a bunch of information fast without giving me any space to talk or ask questions at the end when he finished he would give me homework on things I had no idea about and told me if I don't understand to email him or call a specific number. I reached out to him in email and he would never respond and I would call the number and they would never respond either it was an automated voice that said they would just call me back but never did at the beginning I was told I was going to get all this amazing help and there was no way I could fail but every time I needed help I was ignored I was angry and I wanted to cancel I emailed them including the coach and he told me to call that same number and of course I never got a response back when it was time for payment I actually did get a call from the company they called and told me I had to pay and I told them I've been trying to get a hold of them to cancel this program they said after 3 days of enrolling there's no possibility of cancellation I told them that I did not want to pay for something when I was not getting any value especially when I had some personal things within this time that was a better use of that money I was told they could put it on hold but still had to pay I told them I would pay the first month because I did do it but I was no longer going to pay after, I searched up the company Monterey Financial services which is in XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX California, # XXXX and they have a 1 star rating I read the reviews with people saying its a SCAMM I wish read it earlier but I really believed what I was told. I have disputed this on multiple credit bureaus multiple times amd have a police report stating that this was a SCAM and each time it was removed! Now its coming back but only one of the credit bureaus not the others, I disputed it and sent police report and it has not been removed. How would they have removed it 2 other times and on other credit bureaus as well but this time they are choosing to keep it in there it makes no sense this is a company that is known for scamming yet still being able to trick people till this day.
Consumer complaint received 2021-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

I used the CITI credit card on XX/XX/XXXX and made a payment of {$10000.00} and several other smaller payments amounting to {$10000.00}. I paid the credit card in full on XX/XX/2021 and the money was taken out of my bank immediately. I have not been able to use the card and have not had access to my funds since. I called and i was told i have to wait until XX/XX/XXXX. Meanwhile i have been humiliated every time i have tried to use the card being told i have insufficient funds. 

Citi had no problem taking the money immediately but now it wont give me access to my funds
Consumer complaint received 2021-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NJ)

XX/XX/21, I was unlawfully discriminated against and denied my RIGHT to extend credit pursuant to 15 U.S. Code 1691 ( a ) ( 3 ) as I in good faith I exercised my right to extend as well as grant credit as the original creditor using my credit card number ( social security card number ). Inaccurate information was also obtained from a credit report in connection to the denying my natural right, which is in fact a violation of 15 U.S. Code 1611. Notice it is a fact, I, the consumer is aware social security card is a credit card pursuant to 15 U.S. Code 1602 ( I ) as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice, it is also a fact, I the consumer is also aware the term credit means the right granted by I, the original creditor, to a debtor defer payment of the debt pursuant to 15 U.S. Code 1602 ( f ). Last but not least, I, the consumer, am aware pursuant to 15 USC 1602 ( g ) the term creditor refers only to a person, meaning not the organization but the natural person, meaning I, the affiant and consumer, who regularly extends consumer credit, in connection with loans, sales, property or services payable by agreement which a finance charge may or may not be required or the natural person whom the debt arising from the consumer credit transaction which maybe payable on the face of evidence of indebtedness such as a contract or by agreement. We can resolve this issue by by allowing me to extend my credit without discrimination, to obtain the consumer credit product your company has to offer.i do not want to take this case any further as their isnt ant reason for me to be denied something that is paid for by my credit card. Please contact me as soon as possible. I'll also be contacting the Consumer Financial Protection Bureau about this matter.
Consumer complaint received 2021-04-16
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: VW Credit, Inc (FL)

My car was repossessed and the remaining balance is wrong. I had a trade in when I leased this vehicle. Which was valued at XXXX and my loan was for XXXX, now its showing XXXX on my report. They repossessed my car on XX/XX/2021. I also was unable to make payments on the car due to child support issues. They would not work with me.
Consumer complaint received 2021-04-16
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: DISCOVER BANK (NJ)

I purchased a stroller from XXXX on XX/XX/2020. Immediately upon receipt of my purchase, I noticed upon opening the package, not only that its not what I ordered, but that it was used and dirty. I contacted XXXX to let them know of what had occurred and was told by an XXXX representative to return the item with a pre-paid shipping label that they were sending me. I sent the item back through XXXX on XX/XX/2020. Tracking ( XXXX ) showed that the item was delivered to XXXX on XX/XX/2020. Weeks went by and I never received a refund. I then started calling XXXX to try to find out what was going on. First they would tell me that they havent received the item, even though tracking showed it was delivered and then they were saying that what they received is not what I purchased. I told them that I know, and that is why I am returning it. Long story short, I was unsuccessful trying to get a refund through XXXX. I then disputed with my credit card company ( Discover ) and initially was told that they ruled in my favor and then a few weeks later they reversed the credit and I am again being charged for something that first, I received the wrong item and second, I no longer even have in my possession as I returned it to XXXX. I ended up disputing twice through Discover and was not successful. They are asking me for the original XXXX label which I dont have and XXXX can not provide, as so much time has elapsed. I provided as proof, the email from XXXX customer service telling me to return the item back to them, an email showing my return summary from XXXX, the XXXX drop-off label showing I dropped the item off at the UPS Store and a XXXX tracking receipt showing the item was delivered. Still none of this is good enough for them. I am now accruing interest on these charges and Discover is unwilling to help me further.