davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (NY)

I was a employee of a corp that im no longer of. company obviously stopped paying card. XXXX is putting on my credit. Sid im not owner. Asked them for copies of application showing me as personal guarantor. No response. They started investigation but have heard nothing. They keep reporting past 120 on my report damaging me from moving forward in my business ...
Consumer complaint received 2022-05-04
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 (OH)

Hello, On XX/XX/XXXX, due to unfortunate processing time, my bills were drafted from my checking account at Bank of America 1 day prior to my paycheck being deposited. This resulted in 2 overdraft fees from Bank of America both of which were {$35.00}. In XX/XX/XXXX, Bank of America put out a press release stating that overdraft fees would be reduced to {$10.00} in XXXX. That was a false statement. I contacted customer service to resolve the issue and they advised me that they could not change the fee because the date overdraft fees would reduce to {$10.00} was XX/XX/XXXX. This is very misleading to consumers and I believe it to be fraudulent. Bank of America has a history of misleading and taking advantage of consumers and it needs to end.
Consumer complaint received 2019-08-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OH)

I closed on my FHA loan in XX/XX/2018. It clearly states in the contract that homeowners insurance and property taxes are to be escrowed in. My mortgage was almost immediately sold to XXXX XXXX XXXX. I noticed right away that the payment did not include insurance and tax. I have called XXXX numerous times to straighten this out to no avail. They are not paying either. Also, they have sold my mortgage back to themselves under different company names at least 2-3 times. They have changed my loan number at least twice. In XX/XX/XXXX I made my mortgage payment on time but to their previous address. They cashed the check and reported me to the credit agencies saying my payment was more than a month late. 
This company is impossible to communicate with. Their customer service is useless. I dont know what to do.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NC)

Comenity Bank charged me {$2.00} after a payment in full was paid. The said charge was not sent via email statements as it was not a " charge '' leading to issuance of a statement. I was further charged with a 30 day late, 60 day late and I assume a 90 day late on my credit. I have the statement and recorded call wherein Comenity cleared the outstanding balance and stated the charge was correct due to XXXX balance. My credit score dropped XXXX points IN THE MIDDLE of a vehicle purchase. My interest rate doubled from 5 % to 10 % directly related to this issue.
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Last year I discovered a false account with XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Consumer complaint received 2018-04-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (GA)

On XX/XX/XXXX I called Selene Finance Customer service for help with changing my homeowners insurance company mid term. I was told that the new insurer would have the necessary information to reach the right department to get the new policy paid. The new insurer mailed the policy documentation and an invoice to be paid from my funded escrow on or about XX/XX/XXXX. Selene did receive the invoice but took no action from mid XX/XX/XXXXuntil XX/XX/XXXX when I made a call and insisted on being transferred to the insurance department. There I was finally told that I had to cancel and receive a receive notice from my old insurer prior to them paying the new policy. I did not want to do that and I verbally expressed to the insurance rep that I did not want to cancel my old policy before having the new one paid. After going back and forth for some time I finally called the old insurer cancelled my policy as of XX/XX/XXXX( the effective date to the new policy ). Selene advised that they would then pay the premium. If they had paid before XX/XX/XXXX I would have still had coverage. Selene DID NOT PAY THE PREMIUM within the 45 day period and I was left without homeowner insurance coverage. I received a notice dated XX/XX/XXXX that my new policy was cancelled due to non payment. I called Selene insurance and went from agent to agent for 2 hours before being told that there was nothing that they could do. They suggested that I call the insurance company back to see if they could reinstate the policy. They could not. They offered to write me a brand new policy for the exact same coverage was now {$3100.00} because I have had a " lapse '' in coverage. My original policy from XXXX was {$2700.00}. The new policy I was switching to at XXXX  {$2300.00}. I called that same manager back at Selene if they would pay the difference as they were at fault for causing the lapse. They would not. I did not choose the servicer for my loan. I wish that I could say that this an insolated incident, but I have never received a satisfactory response from this company no matter how small the matter. I can not not see how they continue to keep servicing FHA and VET loans.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (TX)

Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization. I the consumer may have given you written, unwritten, verbal & non verbal per 15 USC 6805. I am now rescinding that authorization and that is effective immediately and indefinitely.

the account that will be referenced in this complaint is the following : Navy Federal Credit Union - account number XXXX account balance {$36000.00} opened on XX/XX/XXXX Navy Federal Credit Union - account number XXXX Account balance {$11000.00} opened on XX/XX/XXXX according to 15 U.S. Code 6805 Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows. 16 CFR Part 313 any reporting of transaction history is a direct violation of the privacy act of 1974 and is illegal.
Consumer complaint received 2019-08-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

SPS is the mortgage company. I know they have class action suits against them, so they are obviously doing things illegally. They have had money in escrow for a year and a half and have released part of it, but they are continuing to hold a little over XXXX saying a certain percent of completion of work from storm damage hasn't been done. Some of the items they've said were not done have been 100 % complete. They sent my loan in for foreclosure while at the same time holding over {$30000.00} in escrow. I've called numerous times and keep getting the run-around. They can't seem to answer why they are keeping my money. Can you help? I think they're doing everything they can to hold my money as long as possible.
Consumer complaint received 2018-04-17
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. (DE)

I have sent four written request ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) certified to Equifax to VALIDATE a debt ( XXXX ..., XXXX ..., XXXX ... ) that has been placed on my credit file. Equifax has FAILED to validate this request by providing an original consumer contract with my signature on it. According to the FCRA, accounts that are not positively validated by proof must be removed and deleted. Equifax has failed to do this more than four times. Equifax has " said '' that they have verified this debt but has only sent an alleged account history. This is not sufficient and and is a violation by federal law and I fully intend to pursue litigation in accordance with the FCRA to enforce my rights. The accounts need to be validated by original contract or DELETED.
Consumer complaint received 2022-05-04
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. (TX)

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were INACCURATE. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. Since I have made this request multiple times, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. I respectfully request to be provided proof of these alleged items, specifically the contract, note, or other instrument bearing my signature established via Spears v Brennan 745 N.E.2d 862 ; 2001 Ind. App. LEXIS 509 You should be made aware that in TWYLA BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. At this point, prompt deletions of the disputed accounts is a must.
Consumer complaint received 2022-05-04
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: CITIBANK, N.A. (PA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-02-07
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NC)

I reached out to this company several times last week because I notice they are on my credit report. I didnt get a notice or anything. First, they couldnt find me in their system or my account. Next, they dont have the right address. Then, they said they only report the debt another company called indebted is the collector. They gave me the company phone number but it only leads to an automated system.
Consumer complaint received 2023-04-09
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. (TX)

In accordance with the Fair Credit Reporting act 1. XXXX XXXX  Account # XXXX 2.XXXX  Account # XXXX 3.XXXX Account # XXXX & XXXXXXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2019-08-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BBVA FINANCIAL CORPORATION (NE)

On XX/XX/2019 I attempted to open an account with Simple Finance Technology in  XXXX, Oregon XXXX Simple. The account was opened very easily or so I thought. After opening I transferred $ money to the account from another account of mine. While the ACH was processing I got notification from Simple that my account was frozen pending more info. I was hesitant to furnish copies of my DL and SS card and was told that my ACH would bounce back within 1-2 days to my original account when it couldn't be received in my Simple account. That didn't happen so I furnished the info. I am still waiting for them to review the info.The review process was supposed to take 1-2 days and it's been almost 2 weeks. After 2 weeks they responded that the pictures I sent them where not in the format they wanted and that I would have to send them again. I asked what format they wanted and they said a PDF format. Which I am now trying to do. 

I definitely want this information shared with other consumers because I am not the only person who has encountered this problem with this institution. 

All I want is my money back and my Simple account closed.
Consumer complaint received 2022-06-13
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. (VA)

In accordance with the Fair Credit Act XXXX XXXX XXXX Acct # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right top 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 2022-05-04
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. (TX)

I sent disputed to XXXX and Equifax 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 30 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 2020-06-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

Hello, A month ago, I decided to open a new PayPal account to receive payments from my friends, or sometimes for my small digital sellings, since I rarely sold stuff, I didn't wan na make a business account, a week later, after receiving some credit from friends, PayPal has decided to limit my account. 
Me, as a legit person, have decided to provide my bank statements, ID card, Passport, and even most of the information asked, unfortunately, there was a technical issue, and whenever I clicked on confirm identity an error message popped, I decided to make many phone calls every day in order to solve the problem and provide the one left documents needed, I emailed you and messaged you multiple times hoping for support, unfortunately, I haven't received ANY response, I decided to message support via XXXX, still no response, then finally I went on XXXX, and after messaging from both of my accounts and after A WEEK, I got finally a response, they all promised the same thing until today I kept asking via dm to look through my account to see where is the problem, unfortunately, I received an email saying my account got PERMANENTLY limited, without stating the reason why, apparently I haven't done ANYTHING wrong, I have always been a great user, never did anything bad. 
Today after permanently limiting my account, I have 70+ dollars in hold for 180 days, I am still a student and I need that money in order to buy groceries and stuff, I've been very patient and they were all rude and never answer phone calls or help, they just say the same things, while contacting them again they said they can't help. 
Please try and help me solve this issue. 
I am respectfully requesting that the hold on my funds/account be lifted. I am not necessarily requesting that my account be re-opened or allowed to continue to use the PayPal service, as I have already taken my business to your largest competitor and I am no longer in need of PayPals services. 
Thank you. 
My PayPal email : XXXX My PayPal Reference ID : XXXX Sincerely.
Consumer complaint received 2023-07-06
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. (TX)

I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.
Consumer complaint received 2022-05-04
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. (CA)

This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. You keep on reporting me late on this following account under EXPERIAN XXXX XXXX XXXX 150 days late XXXX  XXXX XXXX 150 days late XXXX  XXXX XXXX 150 days late XXXX  XXXX XXXX 150 days late XXXX  XXXX XXXX 150 days late You have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, you must remove this negative information and update it to paid or paying as agreed! This is clearly a discrepancy that you are still reporting up until now! Make sure that you will update this as never late!!
Consumer complaint received 2020-12-14
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: CAPITAL ONE FINANCIAL CORPORATION (WI)

I received a letter from Capital One Visa stating my card would be restricted because they did not have an occupation listed. I believed this to be fraudulent, or at least inconsequential, and ignored it. My account was restricted around XX/XX/2020. I spoke to 3 supervisors and none could help me. I am retired, so have no occupation, but no one at Capital One could help me. It is one month and the account is still restricted and may be closed. I do not believe that because I am retired I should have my account closed, which also could negatively affect my excellent credit. I have never missed a payment or had a late payment, have spent tens of thousands of dollars, and no one was willing to correct this supposedly missing information so my account would be available to me. I haven't been able to find the federal law that occasioned this restriction. I think Visa 's " customer service '' was non-existent and unreasonable.
Consumer complaint received 2022-06-13
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. (NJ)

In accordance with the Fair Credit Reporting Act XXXX, as XXXX XXXX XXXX XXXX XXXX in the amount of {$680.00}, XXXX XXXX in the amounts of {$390.00}, {$400.00}, and {$770.00}, and XXXX XXXX XXXX in the amount of # XXXX. 
has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

! 5 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. 

Under Engelhardt v. Gravens " I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists, ''
Consumer complaint received 2022-05-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ATG Credit, LLC (AZ)

XX/XX/XXXX I sent certified letter for debt validation request for a debt in the amount of {$2400.00} being reported on my credit report. No response and they Continued to report to bureaus. They Never marked account as disputed. XX/XX/XXXX I sent a second certified letter for debt validation. Again they failed to verify and continued to report to bureaus. They also Never marked my account as disputed. XX/XX/XXXX I sent a third certified letter to request debt validation. Again no response, they continued to report to bureaus, and never marked account as disputed. All letters were sent certified to address provided on my credit report and were verified by USPS tracking as received by them. I have proof of this if needed.
Consumer complaint received 2022-07-21
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. (TX)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.