davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CURO Intermediate Holdings (IL)

Speedy Cash has sold an account to XXXX XXXX XXXX. Speedy Cash has been indemnified and in addition to this XXXX, XXXX XXXX continue to claim to be representng them. The information is inaccurately being reported on XXXX. XXXX and XXXX have removed this inaccurately reported information. Speedy Cash needs to be fined along with XXXX regarding this matter. Several complaints have been filed regarding the matter and it will continue until these shady people stop putting wrong information on my credit report. This item was removed from my credit and they keep reporting it again. Now XXXX is not reporting it on my credit report for me to see it and dispute it with them directly, but when a lender pulls the XXXX XXXX XXXX XXXX is coming up as derogatory reporting. They claim they are reporting for Speedy Cash which was removed 2 years ago from my credit report and XXXX XXXX XXXX is reporting it again. This is a clear violation of the Fair Debt and Collection Act to rereport information under a different name as if its a new account after it was already removed
Consumer complaint received 2021-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I sent a Validation Of Debt letter to XXXX XXXX XXXX XXXX via certified mail ( copy of letter attached ). It was received on XX/XX/2021 ( proof of service attached ). As of today XX/XX/2021, XXXX XXXX XXXX XXXX has YET TO APPROPRIATELY RESPOND WITH ANY VALIDATION OF DEBT they are claiming, but are continuing to report this non validated information to the credit bureaus This is a violation of my rights under FDCPA. The bureaus are allowing this non validated information to appear on my credit report, which is a violation of my rights under FCRA. I have attached all correspondence.
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

In XXXX  XXXX XXXX  closed my account and charged it off as bad debt for which I received a XXXX and it was filed on my tax return. Though the debt was charged off, my credit reports drill reflect the full balance. In efforts to get the situation resolved by making a payment toward the balance, XXXX XXXX  does not allow you to make a payment with them. When calling back, XXXXXXXX XXXX leaves me on hold for extended periods of time. It is illegal for XXXXXXXX XXXX to take the full balance from me on a debt that they have already charged off and received tax benefit for. It is unfair for XXXX XXXX to let my credit continue to be negatively affected.
Consumer complaint received 2021-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (HI)

XXXX acquired our mortgage from XXXX XXXX in XX/XX/XXXX. We had auto bi-weekly payments set up through XXXX XXXX and that auto bi-weekly payment continued with XXXX. We had no issues with autopay until our payment that was due on XX/XX/XXXX. We made no changes to our auto payment options, but the XXXX system incorrectly applied all of the payments we made for XX/XX/XXXX entirely toward the mortgage principal. In our XXXX statement, we were surprised to see a late fee because {$0.00} was applied toward the interest portion of the mortgage for XXXX XXXX error caused by XXXX. 

Since the problem began in XX/XX/XXXX, we have received multiple late fees because of the error by XXXX. Despite months of back and forth with the XXXX customer service team ( calls to agents & supervisors made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX to try to rectify the situation, the problem still persists. Every time we called we were assured that the problem would be fixed, that the late fees would stop appearing, and that our payments made through autopay would be correctly applied. 

As of today, XXXX has not resolved the problem with their system and continues to neglect our account. Compounding this problem, XXXX has also incorrectly reported that we made a late mortgage payment for the month of XXXX because they continue to misapply our on-time payments. This late payment now shows up on my credit report and has a substantial negative impact on my credit score and that of my partner. Every month we diligently pay the exact amount required via autopay, but XXXX has inappropriately flagged us as being delinquent. 

In summary, we want XXXX to promptly remove the late payment on our credit report and to address the problem with their payment system incorrectly applying our payments.
Consumer complaint received 2017-08-10
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: STATE FARM BANK, FSB (FL)

the payment books ( 2 ) the payments was {$290.00}. I paid {$300.00}. every month the last page was blank that was # XXXX. went to insurance office for help finally walled the bank they said mail copy of payments the last payment was {$420.00} it looks like a ripoff to me. the bank state farm also gave me the third degree when I called never any problems with other banks
Consumer complaint received 2022-09-09
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: Commonwealth Financial Systems, Inc. (TX)

In accordance with the fair credit reporting act XXXX XXXX XXXX  # 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 instruction.

15 USC 1666B : A creditor may not treat a payment on a credit
Consumer complaint received 2021-07-09
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. (GA)

I have been sending letters to the bureaus regarding some account reporting erroneous late notations. I have submitted complaints to the company directly and while they can acknowledge their mistakes, they refuse to help saying I have to take it up with the bureaus.Some of the lates are from my hardship due to Covid, where the bureaus so yourself have said you expect them to make goodwill efforts on credit reporting. I have received no help! So I have been sending letters but the mistakes don't seem to be clearing up. I will attach a copy of the letters sent, please fix accordingly.
Consumer complaint received 2021-07-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I contacted on XX/XX/21 Expeian about there response to the cfbp they submitted, experian said they do not know who responed to cfbp ( XXXX ) is the dispute agent with experian. I ask XXXX if he has the letter from XXXX XXXX he said yes, I need to get XXXX XXXX on the phone to have them to say to remove the bankruptcy off of my credit report that the letter they have is not enough to remove it off of my report. XXXX also said to get XXXX XXXX agent on the line to ask them to remove the bankruptcy, the agent said he would not talk to XXXX XXXX.Lady from XXXX XXXX disconnected her line and then the agent from experian hung up on me. Experian has broke the consumer reporting law. I at this point I will seek Legal Aid with my concern, I can not go to work with the county in my state with this bankruptcy on my experian credit report.
Consumer complaint received 2022-08-11
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the item which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX Late Date XX/XX/22
Consumer complaint received 2022-11-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I have a credit card with Bank of America. When I signed on today ( XX/XX/2022 ) I saw a checking account had been added on XX/XX/2022. After XXXX hours on hold and several transfers I finally was able to talk them into closing the account. They haven't closed the account yet, but I do expect them to follow through and remove it soon. 

The issue here is that I believe someone internal to Bank of America accessed my personal protected information and used it to open the account in my name to meet some account opening metric. This is not unheard in the mega-banking realms. XXXX XXXX and US Bank have both previously been caught in this practice and I believe the same this is happening at Bank of America. 

The specific checking account I was signed up for is the Advanced Safe Balance Banking checking account. This account comes with a $ XXXX fee and a {$25.00} minimum balance to open the account. The account was opened with a {$0.00} balance and had I not caught this I would have started to accrue overdraft fees as a result. 

The representatives I spoke with from Bank of America repeatedly insisted that I or someone pretending to be me had applied for the account online. However, I have multifactor authentication on my account and the account sign-in history available from their own website shows no logins for my account between XX/XX/2022 and XX/XX/2022, which to me indicates that this was not a malicious 3rd party but an internal employee at Bank of America XXXX 

The internal breach of my personal information is the main issue here. I no longer feel comfortable with Bank of America having access to any of my personal information.
Consumer complaint received 2018-02-02
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: Convergent Resources, Inc. (IL)

To whom it may concern : I have several collection accounts on my credit files from a collection agency the account is as follows : Account Resolution Corp ( original creditor not listed ) account # XXXX XXXX   XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX   account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX   Convergent Outsourcing XXXX account # XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX ) XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX ( XXXX ) account # XXXX ( XXXX XXXX ) XXXX, XXXX, XXXX  Please be advised that I am disputing these collections due the fact that the all the collection agencies does not currently have a valid license in Illinois to collect on debts. This information is stating that their license is currently not showing up at all/canceled/revoked/expired according to ( XXXX XXXX XXXX ). I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that all the collection agencies are licensed to collect debts in Illinois. 

Your immediate response will be greatly appreciated. 
XXXX XXXX XXXX
Consumer complaint received 2016-01-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: First National Collection Bureau, Inc. (OH)

I was denied credit so I pulled my credit report. I found a collection account had been placed on my credit report that I have no knowledge of. I was never notified before it was placed into collections. This is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2022-03-31
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. (FL)

The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX
Consumer complaint received 2021-07-09
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. (GA)

Transunion LLC, has been providing false information that public record XXXX XXXX bankruptcy was verified by XXXX XXXX XXXX GEORGIA when courthouses do not verify public records with credit reporting agencies, credit bureaus, third parties, and vendors via the FCRA. Transunion LLC, has been falsely verifying a public record XXXX XXXX bankruptcy with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX who is not the original data furnisher of the information as required under the FCRA and could not verify the public record being reported. Because XXXX does not have this public record on file and could not verify it, I have requested for Transunion LLC to stop reporting the public record and delete the public record for false reporting under the FCRA.
Consumer complaint received 2021-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (GA)

This is my second complaint about this mortgage company. My original mortgage was sold by XXXX XXXX to SLS Mortgage and has been a nightmare because SLS Mortgage is so incompetent, no one can answer any questions or give a legitimate reason for any wrong transactions that they do. Two months ago I received a letter stating my mortgage went up from $ XXXXmonthly to over $ XXXX monthly which is due because of an error that SLS mortgage made, they are saying that I have a {$3000.00} shortage which I have never had in the history of my mortgage. I contacted them, stayed on the phone for 1 hour and 40 minutes being transferred from one department to another and no one could understand or resolve. The problem is they paid my homeowners insurance twice in XXXX and I was also paying, I had contacted them and told them that I was paying my own homeowners insurance because I do not trust this company. However, they made a payment on XX/XX/XXXX for {$1600.00} and on XX/XX/XXXX they paid an additional {$2100.00} for my XX/XX/XXXX homeowners insurance which is not due until XX/XX/XXXX, who does that? What reputable company would do anything like this? Why would I want to pay my homeowners insurance before it is due? No one seems to understand that they have made a mistake and keep telling me my Escrow is short. I contacted XXXX XXXX which is my homeowner 's insurance and ask them to return the payment to SLS Mortgage which they said that they would. 

Also, I had been paying monthly deductions for my homeowner insurance from my bank account so I don't understand why they would pay any of it at all. When I changed insurance SLS called and asked if I had homeowners and I stated yes, I am paying it myself because you all are incompetent so please do no pay. Now, my mortgage account is calculated wrong and in a mess and I have continued to make the payment I was making before the increase and they don't want to understand and correct their mistake. My account has been current and paid on time until this fiasco. I don't know how they are license to still be in business, this is a crooked operation, and all the reviews on their website are only negative reviews. Can someone please investigate this bootleg company? No one you speak to can explain anything, why should I have to call XXXX XXXX they made the mistake and that should have been the first thing that was done and they made the payments with a credit card, what company does that? Can you all do an investigation on SLS Mortgage because this seems to be a sure way to take my home in foreclosure since they are asking me to pay an additional {$2200.00} in escrow shortages? 
XXXX XXXX
Consumer complaint received 2015-03-25
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (NJ)

Chase sent me a letter saying they were closing my savings account and XXXX checking accounts. They gave me no reason and just said that either of us could terminate our relationship at any time. I suspect it was because I have had to wire funds overseas to pay for goods and services for a short term project, all of which I had contracts for. I spoke to the bank manager, who was aware of the project, and he intervened on my behalf but was unable to get any information or to get a reconsideration. A month after this I attempted to use XXXX of my credit cards and discovered they had been closed without warning. Seven to ten days later I received letters stating that the cards were closed because " an affiliate ended its banking relationship with me ''. More than a month later my business credit card account was closed. This card had reward points that I ended up losing due to expiration, a fact that was buried at the bottom of the 6th letter they sent me. I have always paid my credit cards in full every month and have done nothing illegal. I do not understand why all my accounts were closed.
Consumer complaint received 2022-09-09
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: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX 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
Consumer complaint received 2022-09-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (MO)

Someone stole my identity by stealing my cell phone and wallet connected to my cell phone the phone is in the company name and by the time I advised them to turn off the phone and get me a new phone the defrauders had already started using my credit card, and I come to find later that the fraud people forward all the calls and text to another number. The police advised me that this is a new way that the fraudulent crooks do to get your calls and text from the credit card companies to keep using your cards. I then canceled all ten of my credit cards and came to find later that a company by the name of Affirm, said I had an account with them. I advised them of the fraud that took place however, they are still trying to collect from me. I didn't even know about this company so I looked them up, and they said the account was used at a jewelry store. I need help with this company trying to collect on a bill that is not mine.
Consumer complaint received 2022-08-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (NV)

I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!
Consumer complaint received 2022-09-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MORGAN STANLEY & CO. LLC (VA)

I can no longer transfer my own money from my e-trade account. They placed an " account restriction '' message on my account home page saying my account has suspicious activity. There is no problem. The only problem they may have is that I have been withdrawing money over the last few months and they don't like it. I try to call the number on the home page to get the account restriction lifted but I go into an endless queue listening to music. There is no chat option or email that I can find anywhere on their website. They are holding my money hostage for no reason except that they seemingly don't like me systematically taking money out of my account. I need access to my money. 

XXXX
Consumer complaint received 2021-07-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lewis, McDonnell & Associates (TX)

On XX/XX/2021, I logged onto my XXXX XXXX account and noticed a " XXXX '' collection. Lewis, McDonnell and Associates had reported a collection for the amount over {$1700.00} for XXXX. I have not been contacted by this company. I previously had another company reporting the debt for just over {$1000.00}. I have received NOTHING from Lewis MCDonnel and Associates regarding this. Not only is that a violation, but reporting an incorrect amount. Also stating the account is OPEN.
Consumer complaint received 2015-10-07
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BBVA FINANCIAL CORPORATION (MD)

BBVA Compass bank violated our privacy when XXXX XXXX XXXX XXXX BBVA Compass Area Mortgage Sales Manager for XXXX / XXXX XXXX XXXX disclosed Nonpublic Personal Information ( NPI ) on XXXX XXXX 2015 to our realtor without our permission. XXXX XXXX disclosed to our realtor that the BBVA Compass bank underwriter had denied our home loan, and he discussed the reasons why our loan was denied. This violated our rights to privacy. To make matters worse, XXXX XXXX notified our realtor prior to notifying us of the underwriter 's final decision. We believe this is a clear violation of Federal Privacy Laws including the XXXX XXXX and XXXX C.F.R. Part XXXX. As a manager at a major financial institution, XXXX XXXX is responsible for overseeing the servicing of loans and mortgage applications, and he should have been aware of his obligation to protect our NPI.
Consumer complaint received 2022-03-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (TX)

ON XX/XX/22 I received an unsolicited Chime XXXX  debit card ending in card # XXXX. I called Chime who told me to submit an email which I did. I received an acknowledgement of the email but nothing about the fraudulent account.