davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ORG GC GP BUYER, LLC (KY)

Back in XX/XX/2017, I had opened a wireless contract with XXXX XXXX. My bill was suppose to be {$100.00} a month. But when my bill was due, it was over {$100.00} a month. And when I bought the phones from XXXX, they was junk and didn't get good reception. Also the phones would freeze up and the XXXX XXXX store would crash. XXXX placed it in collections with an amount owed almost {$500.00}. They charged me a cancellation fee for their service. They will not adjust the bill like I asked. Even when I did make payments, it would go up even higher. So I would like to file a claim if they cant adjust it.
Consumer complaint received 2022-10-16
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Home Point Financial Corporation (TX)

My mortgage with home point financial was closed in XX/XX/XXXX and paid in full. An overpayment was made and I received notice from the company XX/XX/XXXX that I never cashed a check they sent to me. I have contacted them several times since then and the check has allegedly been sent three different times and I have never received it. I have also filed a complaint with the post office cause I either the check is being stolen or they literally are not sending it.
Consumer complaint received 2019-08-26
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. (FL)

XXXX ; Experian and XXXX are reporting incorrectly a charge-off in the amount of {$7100.00} on the XXXX XXXX account number XXXX. ( Please see page 2 attached from my credit report. ) This vehicle was in a car accident and the insurance company paid off the remaining balance due and therefore there is no outstanding balance to report and/or charge off. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove  this, however I have not been successful.
Consumer complaint received 2022-10-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Affirm Holdings, Inc (TX)

The company Affrim have called me on several different occasions, which is 4-5 calls per day. I have already paid them the money I owe, and they continue to call me and harass me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have asked them to stop calling but the calls continue
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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 a account without my written instructions
Consumer complaint received 2022-06-09
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. (TN)

In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions
Consumer complaint received 2019-08-26
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. (MD)

I think someone tried to use my information to purchase credit cards. And Im not the person that applied for it. I would like to have all inquiries that i didnt put on my credit report deleted.
Consumer complaint received 2018-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've submitted several disputes regarding Bankruptcies appearing on my credit report that was not filed. I've been provided a letter from the three credit bureau 's source stating those bankruptcies was investigated and removed in XX/XX/2017. Attached is a copy of XXXX XXXX records showing they were removed
Consumer complaint received 2022-06-09
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: DISCOVER BANK (NC)

I am a victim of identity theft. Discover has an outstanding balance amounting to XXXX that does not belong to me. Contacted Discover many times and filed a police report XX/XX/XXXX. I have also disputed with the XXXX credit bureaus via certified mail on XX/XX/XXXX advising of my identity being stolen. XX/XX/XXXX I sent a follow up dispute and even with all proof I sent regarding my identity being stolen, still no resolution. I have called the credit bureaus and Discover practically every month and still no one has been able to help
Consumer complaint received 2024-03-04
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: EQUIFAX, INC. (GA)

Wednesday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report. 

The following inquiries are unauthorized, and I ask that you delete them : 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 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 XXXXXX/XX/XXXX These inquires are fraudulent and I dont remember authorizing them to perform a hard inquiry on my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (CA)

In 2017, I had an business checking account closed by BBVA ( now is PNC Bank ) and issued a check for the remaining balance of {$650.00}. I've never received that check and never cashed it. I've told by a BBVA representative about the check was deposited in FL at some credit union. I have been emailed the Affidavit for forery-negotiable instrument form to BBVA at XXXX a few times never heard back from them Thanks so much
Consumer complaint received 2018-04-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

It all started when my account was negative due hardship. An error through a gas station app made 3 transactions on my bank account. I understand that the bank charged a fee of {$35.00} for each transaction on XX/XX/XXXX and XX/XX/XXXX. I did made a check deposit to clear the payments, but the bank put a hold on for days and kept me charging for more overdraft fees on XX/XX/XXXX and XX/XX/XXXX. For some family that was going through a struggle all that fees are unnecessary. 
I called bank of America and they helped me with only 4 other charges that were also made on XX/XX/XXXX way after my check was cleared. I was transferred to another department, and he also said nothing he could do with those 5 other fees they were charging on XX/XX/XXXX and XX/XX/XXXX. They charged me over {$400.00} only in fees. I said I understand the first ones was made due negative account, but not another XX/XX/XXXX.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-09-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I forgot to log out of my bank app. The XXXX XXXX, which is offered through my bank, opened while the phone was in my pocket. Unbeknown to me, {$400.00} of my money was transferred to an unknown person through the XXXX XXXX. I had previously used the app to transfer money so I had an active account. I did not authorized this transaction. When I found out what was happening, it was too late to cancel the transaction. I reached out to the person several times through the phone number on file but they did not answer, nor did they return my calls. I immediately file a claim with my bank as well.
Consumer complaint received 2022-11-19
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. (DE)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX SELF-REPORTED XXXX Balance : {$66.00} ; XXXX SELF-REPORTED XXXX Balance : {$200.00} ; XXXX  XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$2500.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

I thought I had auto-payment enabled on my account. A small balance posted in the meantime. I didn't realize a payment was due until I logged into XXXX on XXXX and that I had an account past due. I then received a notice from Bank of America dated XXXX on XXXX saying that they had closed my account. Upon calling them on XXXX, they wouldn't re-open the account without another credit pull, nor would they remove the XXXX delinquent notice from my credit file.
Consumer complaint received 2018-07-30
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: Midwest Recovery Systems (CA)

Just checked my credit report on XXXX XXXX and seen an account in collections for a payday loan which I did not take out. 

XX/XX/18 Mw Rec Sys {$310.00} Read up on the collection agency and it turns out they're known for payday scams. Also, my bank recently cancelled and reissued my bank card saying my information may have been compromised.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2020-01-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (MD)

I received an alert from XXXX XXXX saying a collection was added. I had no knowledge of the collection until I received the alert from XXXX XXXX. I never received a phone nor letter advising me to dispute the validity of this debt. It is affecting my credit and need it removed
Consumer complaint received 2019-09-03
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 (PA)

1. Received " mail forwarded '' letter from XXXX XXXX XXXX, Magistrate, XXXX XXXX PaXXXX 
Letter was hearing notice for XX/XX/2019 at XXXX XXXX : XXXX XXXX of Portfolio Recovery in XXXX Pa XXXX versus XXXX XXXX. 
Portfolio Recovery wants to collect {$1700.00} from me, XXXX XXXX. 

2.  I called magistrate office to inform them that I have never had ANY business dealings with Portfolio and I Have a medical appointment that day. Magistrate said they would reschedule it. 

3. NEXT, I wrote and sent signature mail letter to Portfolio, XXXX Pa on XX/XX/2019 requesting much information to validate this debt. I never made agreement or signed anything with Portfolio in my life. 

4. Mail tracking showed they received the letter on XX/XX/2019 at XXXX XXXX. 

5. On XX/XX/2019, I received a letter from XXXX XXXX XXXX/Portfolio in XXXX Texas XXXX saying that my file was being placed on Hardship hold. I am to send " hardship documentation '' proving my hardship. They don't say what documentation they mean and they give no time limits or anything. 

The letter provides NOTHING about the validation that I am indebted to them that I asked for on XX/XX/2019. 

6. I received ANOTHER letter the same day, XX/XX/2019, stating that they have electronic file of original creditor. THEY VALIDATE NOTHING OF ANY CONTRACTS, BILLS I PAID, OR TRANSACTIONS BETWEEN PORTFOLIO AND XXXX XXXX. THAT IS BECAUSE I HAVE NEVER DONE ANY BUSINESS WITH THEM. 



THEY ALSO DO NOT STATE THAT XXXX XXXX HAS CHARGED OFF THIS DEBT AND PROBABLY FILED AS A TAX LOSS. 

7. I also do not know what " file is on hardship hold " means in regard to a new hearing for XXXX XXXX. I never received a notice letter because as I learned when I phoned the magistrate today, XX/XX/2019, they sent a notice to my previous address. 

8. I live on fixed income of Social Security XXXX which is exempt from garnishments or freezes. I am XXXX years old.
Consumer complaint received 2018-07-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bryant, Hodge & Associates LLC (MI)

On XX/XX/XXXX, I received an email to my corporate email regarding a unknown debt and an attempt to collect this debt. When I return their phone called, I made them aware that I did not own this debt and they continued to harass me and tell me I owed the money without verifying you the original debt holder was. They have the last 4 of my SS # and my work email address, which any one can buy on the internet. 
I have also received several phone calls and text messages from multiple numbers. 
They are alleging I owe {$750.00} to a company names XXXX XXXX. They can not or will not supply me with more information than that. I have never heard of and I have never borrowed money from XXXX XXXX.
Consumer complaint received 2022-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One travel portal wasted 12 hours for a simple trip changes. Each phone call below had long waiting times : 1. Booked flight on Capital One travel portal 2. Made a change for one of flights. This caused reservation to be split on Capital One systems, but not updated on website, so from this point we don't see correct credits. 
3. Tried to book new flight with issues credit, and had to call customer service to do so. 
4. Checked XXXX website to select seats. Found out that reservation is XXXX instead of XXXX, making it impossible to pick seats next to my partner, with other restrictions. Capital One travel at no point said they are doing so. 
5. Called Capital One to fix this - this was the most frustrating part - Capital One kept blaming XXXX XXXX XXXX  and that it's really XXXX  and not XXXX reservation, and kept giving me roundabout answers. Was reassured that XXXX XXXX will fix this, but unknown when. 
6. Called XXXX XXXXXXXX to confirm, and yup, my reservation was XXXX and not XXXX. Now working with XXXX to fix this since 3 phone calls with Capital One didn't do anything.
Consumer complaint received 2021-04-09
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Risecredit, LLC (SC)

RISE CREDIT OF SOUTH CAROLINA {$1500.00} has been attempting to collect a debt that is NOT MINES I have not received supporting documentation proving this debt is mines, and they still keep attempting to report said debt to my credit, causing more damage and they keep attempting tor collection on debt that has extends pass the legal status of limitations
Consumer complaint received 2020-12-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

I received a letter from Convergent Outsourcing Inc. regarding a 'debt ' they state I owed from XXXX XXXX XXXX of which they recently acquired. The creditor listed on their letter is XXXX XXXX, XXXX. This is a debt I have been habitually harassed regarding every 1-2 years, creditors sell from one group to the next and each time they contact me and all my family members for a debt I do not owe. Previously I contacted CFPB ( Claim # XXXX ) regarding this debt issue and both credit agencies were contacted and both parties said they are not at fault/can not assist and eventually the latest company quit calling once they realized they can not pursue this so called debt. Once again I am being harassed for this claim and when the creditors exchanges debts I will receive more calls and letters. As this 'debt ' originated from XXXX XXXX XXXX XXXX have asked they be involved and resolve the matter as this is a mess of their creation. 

The letter provides an Convergent account # XXXX. Please assist as this is pass the statue of limitations ( XXXX year old so called debt ) and is not my debt. 

XXXX XXXX
Consumer complaint received 2018-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (GA)

Disputed incorrect information through three credit reporting agencies and creditor, Navient continuously reported back more incorrect dates and balances on a charged off account. Date of first delinquency was in XXXX. Navient is reporting this now as if this was charged off in XXXX, XXXX, XXXX. In some places reporting payment history which did not occur or reporting continuous billing of interest charges on a charged off account. 

THIS CHARGED OFF COLLECTION ACCOUNT WAS INCLUDED IN MY DEBTOR LIST AND LIST OF DEBTS DURING FILING IN XX/XX/XXXX OF BANKRUPTCY WHICH WAS DISCHARGED IN COURT IN XX/XX/XXXX Navient keeps violating FCRA policy by misreporting and advancing dates intentionally re-aging this debt and extending the time reported negatively on credit file. 

In addition, this item was a private loan, charged off collection account. Not a federal student loan. I was able to work out terms on my federa loans but no options were available on the private loan that has bounced from collector to collector incurring {$40000.00} in interest charges. I can not get Navient to verify the date of first delinquency which occurred in XXXX. They keep reporting different dates.
Consumer complaint received 2018-02-20
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: HW Holding, Inc (TX)

I HAVE DISPUTED THIS ACCOUNT NUMEROUS TIMES AND IT IS NOT RESOLVED. THIS ACCOUNT DOES NOT BELONG TO ME. I HAVE NOT EVER SIGNED FOR NOR AUTHORIZED AN ACCOUNT WITH THIS COMPANY OR THE COMPANY IT REPRESENTS. Hunter Warfield INC IS NOT MY ACCOUNT
Consumer complaint received 2018-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I got a call from the XXXX XXXX XXXX from phone XXXX. Then I was referred to Bank of America customer service at phone XXXX. I do not owe any unpaid late debts.
Consumer complaint received 2019-08-27
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 — Their investigation did not fix an error on your report
Company: Specialized Loan Servicing Holdings LLC (TX)

My Chapter XXXX Bankruptcy was discharged on XX/XX/XXXX, five years after successfully completing my payment plan. On XX/XX/XXXX, I was expecting my acct XXXX with Specialized Loan Service to show as follows : Acct Status- Open with payment being applied and a balance for {$5400.00} but rather it shows {$0.00} balance with a status -Included with Bankruptcy. I have been told that this was due to a delinquent for XX/XX/XXXX. On XX/XX/XXXX, Specialized Loan Service issued an alert to close the Chapter XXXX Bankruptcy and opened a NEW on which added 7 more years. I have called and sent numerous letters. I will attached the documentation to this complaint that clearly disputes this including my Payment History since XXXX which show NO DELIQUENCIES!