davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-12
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. (GA)

I hope this message finds you well. I am writing to express my deep concern and frustration regarding the numerous attempts I have made to remove fraudulent items from my account. Despite my repeated efforts, it appears that the issue persists, and I have not seen any resolution. 

I have encountered unauthorized transactions and fraudulent activities on my account multiple times, and I have diligently followed your provided procedures for reporting such incidents. However, the lack of effective action on your part has left me dissatisfied and concerned about the security of my account. 

I would like to bring to your attention the following instances where I have reported fraudulent items : Despite my cooperation and adherence to your reporting protocols, the fraudulent items have not been adequately addressed, and my account security remains compromised. This situation is not only inconvenient but also raises serious concerns about the integrity of your security measures. 

I request an immediate and thorough investigation into these matters to identify the root cause of the repeated security breaches. Additionally, I expect prompt action to remove all fraudulent items from my account and to reinforce security measures to prevent such occurrences in the future. 

If necessary, I am prepared to provide any additional information or documentation to support your investigation. I trust that you will treat this matter with the urgency and seriousness it deserves, and I look forward to a swift resolution. 

Failure to address this issue promptly may compel me to escalate my concerns to relevant consumer protection authorities and consider legal action to safeguard my rights as a customer. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX AZ XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX, AZ XXXX.
Consumer complaint received 2021-09-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that PORTFOLIO RECOVERY would verify the debt. So I took it upon myself to ask PORTFOLIO RECOVERY for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX  XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2018-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I was sent my mortgage statement for XX/XX/2018 and it included {$73000.00} in past due/other charges. I called the company to ask what this was for and was told after speaking to several people, that the company did an audit of my account and found they had been charging me he wrong mortgage payment for the last 5 years. They then added that to my account, and almost doubled my monthly payment. They never sent me an explanation of this. they also add another XXXX a month for what I do not know. At this rate the loan will never be able to be paid off. Not one person there can really explain what is going on. they only state I owe it. I am a widow on a fixed income and can not pay this exorbitant amount. I believe they are practicing unfair lending or predatory lending practices towards me, engaging in unlawful collection pratices, creating hardship, and attemping a fraud under lender regulations.
Consumer complaint received 2015-06-29
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

The representative could not provide me with information about the amount owed other than who the original creditor was. I was asked to provide the collection company with information of what I owed them instead of them providing me with information about the amount of money that they were trying to collect. I asked to be provided proof of debt, including but not limited to, payment history, interest accumulation, and fees to verify the amount owed.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Per XXXX report, XX/XX/21, Bank of America issued a credit card due to someone used my personal info to apply. XX/XX/21 bank of American mailed me a letter to verify ( say seems suspicious activity ). I called them and reported that this card was fraudulent. XX/XX/21 I filed a police report with XXXX XXXX county sheriff office ( case # XXXX ) ; as of XX/XX/21, Bank of America said account closed. But XXXX still reporting second late payment ( first late payment in XXXX ) from the Bank of America credit card with balance {$23000.00}. This has caused my credit score substantially drop. I need resolve by Bank of America and XXXX.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-06
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I mobile deposited a check that I received to Capital One that was a refund from an apartment complex 's rent. ( XX/XX/XXXX ) The check was made out to myself and my Fiance which we both endorsed and mobile deposited this on the Capital One app. Capital One restricted my account and flagged this due to suspicious activity. I called about this issue continuously and was either sent to voicemail or hung up on. The few times I was able to get a hold of someone I was told wrong information. After going to the highest level of Managers that would take my call I was then told to seek out a hold harmless letter from the check issuers bank. I did so and the check issuers bank first did not know what type of form I was referring to which I assume because that is not common practice. The check issuers bank then stated they would sign the form assuming the check issuer agreed once they received the form. ( XX/XX/XXXX ) I called back a few days later and nothing had changed as there was a stalemate. ( XX/XX/XXXX ) I was told that an investigation was underway and I had to wait. I then waited a week and called back, no change. ( XX/XX/XXXX ) I did this multiple times and no change. As I continue to call they continue to give me different excuses as to why they will not send the check. ( XXXX ) I am posting this here because I do not know what to do next. This check was nearly {$1700.00} and for me that is a lot of money and I really need it to pay rent.
Consumer complaint received 2023-08-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (IL)

I was involved in a romance scam back in 2019 and met scammer via XXXX. Lost over XXXX using XXXX and cash app. I sent proof and supporting documents to XXXX and cash app through states attorney general and XXXX gave me my money back but cash app kept on giving me the run around and kept on telling me my bank was the one to talk to not them. Cash app refuses to give anyone back their money even if they send proof and will never refund anyone their money back which is a lying option they give you. They already push the money through by the time they get back to you.
Consumer complaint received 2023-08-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (OH)

I transferred XXXX to my cash app card to use at a later date.I chose to connect my personal checking account to pay my friends and family but cash app tells me through a default they can choose to ignore my request that my friends and family be paid from my checking account and make a payment if they choose from my cash app card that only have funds when I load money on it. But I thought that I chose how the money I load on it is spent! But they spent XXXX of the XXXX I wanted to use for something else and paid my friend with it, when in the past a payment was always withdrawn from my checking! How can I get them to honor my wishes and mind their business and not use a DEFAULT to do what I don't want
Consumer complaint received 2022-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (OH)

I have been in a continuing battle with Synchrony Bank over repaying my credit card account. This has been going on for three months. I have not only written them 3 times but called three times -- only once talking with an individual who sounded like they were in this country. 
I informed them over 3 months ago that I blocked them both from my email account but my bank account as well because they gave my bank account information ( through another PayPal account that had been used to commit fraud ) directly to a client. The fraud case was settled. 
I keep being told they can do nothing to change the due date and they keep sending notices to pay on line. 
I have no car and will not submit a personal check ( again based on the fraud case ) and have taken to mailing XXXX XXXX orders I purchase at the local when I can get transportation. I then mail them. 
I knew there would be changes in postal delivery and this is why I kept requestion a change in the Due Date. I am now being penalized with every payment.
Consumer complaint received 2021-04-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (KY)

XXXX has called multiple times trying to collect a debt from someone who no longer has my phone #. I have had this # for almost 2 years now. I want the calls to stop.
Consumer complaint received 2022-01-26
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: EQUIFAX, INC. (FL)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2019-10-07
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. (CO)

I opened an auto loan XX/XX/XXXX through XXXX. I had always paid the loan on time and even was paying more than the amount that was due. I paid extra in XX/XX/XXXX which bumped the due date for my next payment to XX/XX/XXXX. XXXX sent my auto loan to collections as a charge off in XX/XX/XXXX. They never notified me before sending the account to collections. XXXX had even reported to the credit reporting agencies that I had never had any late payments and payment was current and up to date. I called XXXX multiple times and spoke to them on the phone for many hours after finding out about the charge off. I was told by the XXXX bankruptcy department that even though my account was current and not late, it had been charged off due to account inactivity and there was nothing they could due to correct the information. I paid off the account and now, over 2 years later, it is still showing up on my credit report as a charge off. I contacted them recently to try to resolve the issue again, but they responded that they have insufficient information to investigate the problem. I have screen shots and my checking account statements to support my information, but all my auto loan statements are mysteriously missing since XX/XX/XXXX and I have no access to them. I also have phone recordings of my conversations with the XXXX bankruptcy department that can verify this information.
Consumer complaint received 2022-01-15
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. (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 Equifax 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 Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2022-01-26
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. (IL)

My Transunion report claims I have a chargeoff from XXXX. I have never had an account with XXXX. I dont know where this chargeoff came from or what it is for. This has negatively affected my credit
Consumer complaint received 2019-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (WA)

Let, me start by asking you to review closed COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 HSBC is bank debt scam with no intention of activating the credit card they approved me for without I, 1st agreeing to pay an activation fee when speaking to their fraud division who makes it a habit of leaving customers on hold for an average of 5 hours before answering the call. This bank is phishing for business financial information with number 3. Number 1, is proof of address. 
Further more I will not again call or attempt do business with HSBC after being cursed out and remarks about my race being made. I applied for four different credit cards and was approved for all and can safely write HSBC is 100 % fake in every aspect of credit card activation, except fees & customer service does not exist. Please, tell HSBC to stop calling me as I have placed a security block with the credit reporting agencies to protect me from this type of bad banking practices. 

( HSBC ) 1. Proof of Identification - acceptable forms of proof of identification are : a valid current Drivers License or passport. 

2. Completed SSA89 Form ( attached ) The signature and date field must be handwritten for the document to be valid. Please include both pages when submitting back to us. 

3. Proof of Address acceptable documents are : a. Utility bill from the last billing cycle b. Tuition bill c. SSA benefits letter d. An INS Notice of Action e. Letter from an Embassy or Consulate f. Mortgage statement g. Property tax bill h. College/University acceptance letter i. XXXX  ( XXXX benefit acceptance letter ) j. Homeowners/Renters insurance bill/policy k. Account statement from a bank or brokerage, dated within the past three months l. Monthly statement of an established credit card from a major provider ( Visa/MasterCard/XXXX ) dated within the past three months.

m. Lease Agreement n. Paystub.
Consumer complaint received 2022-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

XXXX and Equifax continually letting companies report on my credit report after being removed because of the Fair Credit Act Law that requires any items that are XXXX yrs or older to be removed.
Consumer complaint received 2019-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

OnXX/XX/2019,IplacedasecurityfreezeonmyfilewithXXXXXXXXXXXX.

OnXX/XX/2019,IsentEquifaxacertifiedletterrequestingverifiableprooftheyhaveonfileregardingthebankruptcies.

OnXX/XX/2019,IsentUSBankruptcycourtacertifiedletterseekinginformationonhowtheyreporttocreditreportingagencies.

OnXX/XX/2019,IreceivedaletterfromUSBankruptcycourtstatingbankruptcycourtdoesNOTperformanyactivitieswiththecreditbureaus.

OnXX/XX/2019,IreceivedacopyofEquifaxinvestigationreport.Equifaxstatedtheinformation,Idisputedwasverifiedthatthepublicrecorditemisreportingcorrectly.

Equifaxobtainedinformationfromlocal,stateandfederalcourtsthroughathird-partyvendor,XXXX.

AlsoEquifaxlistedabirthdaywhichisnotmine.
Consumer complaint received 2022-01-15
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: EQUIFAX, INC. (VA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-03-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Back in XXXX XXXX I went to California for vacation and I lost my wallet with my Credit Card and Phone with Bank Information , Social Security Card and some cash in the taxi. When I realized, I Immediately filed a police complaint. I didn't know after filling a police complaint, I have to call my bank and all my credit card company to notify them about my lost things. I thought after I filed a police complaint they will get notified automatically. Which I made mistake and now I'm the victim of Identity Theft, and also, my credit is messed up and all my account is in collection department and I owe lot of money. 
Now I'm trying to fix everything, So I started communicating with them from XXXX and tried to dispute all those charges and account. 
So, specially in this financial hardship situation, If someone can assists me I would be really grateful. 
Looking forward for a reply soon.
Consumer complaint received 2018-06-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

In XX/XX/XXXX I took out a mortgage loan with XXXX XXXX XXXX, a New York Corporation for the amount of {$310000.00}. I defaulted on my mortgage because I could not keep with the increasing mortgage payments. On XX/XX/XXXX there was an assignment of mortgage filed with XXXX County 's Clerk 's office. The assignment of mortgage assigned the mortgage from XXXX XXXX XXXX XXXX XXXX, as nominee for XXXX XXXX, XXXX to XXXX XXXX XXXX XXXX, as trustee for XXXX XXXX Backed Pass-Through Certificates, Series 2006-5. On XX/XX/XXXX XXXX XXXX XXXX XXXX, as trustee for XXXX XXXX Pass-Through Cerificates, Series 2006-5 started a foreclosure action against me for the amount of {$310000.00}, which is about {$210000.00} from my original mortgage. How is that even possible when I had already paid about {$38000.00}. I would the opportunity to resolve this issue without having to go through an auction sale.