davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (NY)

To the CFPB, XXXX XXXX XXXX is filing a complaint for discrepancies within my credit report of improper documentations.. 
According to Per 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

The discrepancies starts with the credit agencies themselves : The Balances are different The Closed accounts are different The Inquiries ( 2yrs ) are different The discrepancies with XXXX  XXXX are : The Original Balance are different The Last payment dates are different The date that it was opened are different The discrepancies with XXXX XXXX Auto are : The Original Balance is different The Last payment dates are different The dates that the credit was opened are different The status of the account on certain dates are different The discrepancy with I C System are : The open dates are different
Consumer complaint received 2022-04-28
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. (TX)

I sent multiple letters regarding inaccurate and fraudulent accounts being furnished on my report and they still have not been removed. I've sent in identity theft reports and my rights still are NOT being respected.
Consumer complaint received 2018-02-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

According to Ocwen rep. XXXX ID # XXXX the application for a loan modification was denied on XX/XX/2018. When asked why the louan was declined she could not provide an explanation. We asked if the loan was in foreclosure and she replied no. However the borrower received a notice of default from the law firm of XXXX XXXX XXXX dated XX/XX/XXXX. We believe that Ocwen continues to violate provisions of the CFPB regulations regarding servicing by dual tracking and providing misinformation regarding borrowers status.
Consumer complaint received 2024-03-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: HOME BANCSHARES, INC. (FL)

The company admitted taking over {$5000.00} from these two accounts. The fact that the company is quick to point out that business accounts are not protected under the Overdraft Protection Act, has a look of deception to it. Due to the fact that every federal and state agency that oversees banking institution has stated that fare practices would lean towards business account being given the same level of treatment as personal accounts, which the larger number of banks have done. The fact that these accounts were left open after being in the negative well after a close off time, seems to be the accounts were a lush fund for the bank, who would remove hundreds of dollars in overdraft fees upon the next deposit and that many of these fees were due to bank services fees that then triggered the overdraft fee. One of these accounts was charged off, the bank accepted an {$85.00} deposit from my mother who was not on the account and then when questioned about the deposit, the bank denied accepting the deposit and after much pressure, finally admitted to placing it towards the charge off, which I still do not know the amount of. Under the fare practices and transparency laws, the bank only gives a Overdraft Privilege paperwork which states is " an option '' not mandatory. The bank keeps referring to this as the basis for putting the business accounts into Overdraft Privilege without permission, which is intentionally misleading.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc. (CA)

I have previously disputed A XXXX Bankruptcy that is on my Innovis Credit Report, and in response, Innovis verified the item as accurate, stating that Innovis has verified the information with the court or a 3rd party. 

I contacted the court, and their response is attached. 

It is clear the Court does not report to Innovis or any Credit Bureau for that matter ; therefore, Innovis ' initial response verifying the item with the court was either an error or a lie. 

Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted immediately. 

In accordance with the Fair Credit Reporting act. The Bankruptcy listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX BANKRUPTCY/Reference XXXX 15 U.S.C 1681 section 602A. States I have the right to privacy. 

And according to 15 USC 1681eb Innovis is supposed to ensure this.

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2021-05-07
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)

This is the second complaint attempt I have made to get the is issue resolved with your company. My first complaint was sent to the CFPB on XX/XX/21, and that complaint was sent back due to you stated that my complaint was submitted by someone other than my self. This could not be further from the truth. My complaints with your company are 1000 % legitimate and 1000 % from me and me only. 

Your company has shown no attempt to get my issues resolved. All you have done is at every turn attack my character, belittle me and my complaints, and cause me XXXX XXXX  and emotional XXXX I feel that your attempts to circumvent the rules set out by the FCRA. I also feel that this behavior on your part is a direct reflection of how you treat people of XXXX in this country. You have done nothing to aid my is correcting the issues with my credit profile even after I notified you that my information was compromised during the Equifax data breach which was 1000 % you fault due to your negligence. 

My original letter advising you of the issues you have caused due to your knowingly false reporting was sent in on XX/XX/21. Todate you have still ignored my complaints even though they are 1000 % valid and based on the rules set forth your failure to respond or act in a appropriate manner and remove all the questionable accounts and information in question presents a clear and present reason to remove all the inappropriate data in question. 

Please act accordingly and conclude your investigation and remove all the questionable and false reporting data in question due to you have had more than 30 days. This gives a clear and present reason to immediately remove those items from my credit report immediately.
Consumer complaint received 2018-12-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: REGIONS FINANCIAL CORPORATION (AR)

I contacted my auto lender to request that I receive monthly billing statements with payment coupons, after discharge of a personal bankruptcy. I explained to the lender 's agent that the USBC 's Federal rule against Debtor contacts are extinguished upon entry of an Order of Discharge, and that issuance of monthly loan statements should have already resumed. The lender has refused to provide updated payment application information, and have refused to accept my written request for monthly auto loan statements, with payment application information, current payoff amounts, and other information required to be disclosed in auto loan statements.
Consumer complaint received 2021-05-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (NY)

On approximately XX/XX/21, I received a XXXX XXXX card to activate for an account opened in my name at Wells Fargo. I did not open an account at this bank. I did not activate the card. 

About 2 days later, XX/XX/21, I received a PIN for this Debit card. 

There are no Wells Fargo Banks or ATMs near me for over XXXX miles. When I checked the customer service number on the card with the customer service number on the Wells Fargo website, they were the same phone number.
Consumer complaint received 2018-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I XXXX XXXX have asked the current banking institution ( Bank of America ) to remove negative reports from the XXXX  database. 

For the past two years I have been denied opening a checking account at any financial institution. It is detrimental for me and my family. I can not pay bills on time or make purchases because I have no bank account. I want XXXX to remove this negative report. As an American I have the right to have a bank account.
Consumer complaint received 2024-03-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Accord Business Funding, LLC (TX)

My account was sent to AMA Recovery ( XXXX ) for collections. 
They put a XXXX  link on my company profile. I called them after to resolve the issue. They directed me to another company since they mentioned the loan was taken away from they. I asked them to then remove the XXXX lien they put on my company but got no reply. 
Thanks
Consumer complaint received 2023-04-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BCA Financial Services, Inc. (FL)

I made an image test in XXXX XXXX XXXX. At the day of the test, I paid {$250.00} via credit card. Some months later the Hospital sent me a bill of {$870.00}. So, I called the Hospital and asked to them take out {$250.00} of that cost once I paid it prior the test. Furthermore, on XX/XX/2022, I called the Hospital and negotiated a discount. So, they accepted to receive more {$50.00} and END the charge. Then I paid more {$50.00}, totalizing {$300.00}. 
Recently, for my surprise, I received a debt collector letter, trying to receive {$820.00}. I disputed the debt and sent to them the documents which prove I paid the total cost of the service negotiated with the Hospital. However, they ignored my dispute and sent a new letter with rougher threats. These trying to receive more money than was agreed upon is causing a lot of stress, because I thought I could trust on the deal I made with the hospital. It is a lack of transparency and honesty.
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (NJ)

I had a vehicle leased through GM financial. I had a bill credit listed on bills on or around XX/XX/2017, through XX/XX/2017 and my car was repossessed on XX/XX/2017. When I reached out to the company I told them the bill showed a credit repeatedly, offered to send it, they simply stated no. I offered to pay the balance due to use the car for the last 6 months, no. I sent them the bill, I sent the credit bureau the bill, and both have rejected this and still say the outstanding is valid and true. I have been given zero evidence of this validity. Most recently I found this original bill and submitted it for review. STILL I am told I owe this debt and it has negatively been impacting me for 4 years.
Consumer complaint received 2021-05-07
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. (NY)

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
{$3400.00} Balance updated XX/XX/2021 Please help. They are not trying to help me. Its not my credit card
Consumer complaint received 2021-05-07
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. (NY)

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
{$3400.00} Balance updated XX/XX/2021 Please help. They are not trying to help me. Its not my credit card
Consumer complaint received 2024-03-28
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 states that I have the right to privacy 15 USC 1681 Section 601 A section 2 it also states a consumer reporting agency can not furnish account without my written instructions. Under 15USCS 1666B a creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (FL)

I have had fedloans since XXXX I am now with XXXX since XX/XX/XXXX fedloans has removed some of there loans off my credit I have been fighting with them to remove the rest off of my credit and they are not removing it I did send in proof through XXXX and they keep denying it this is be owing really ridiculous and frustrating because XXXX will be putting my loans on my credit soon and I do not want two different student loans on my account because all of my loans are now with XXXX
Consumer complaint received 2022-04-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (CA)

I was advertised an offer to open a Citi gold account with an incentive to get {$1500.00} upon new account being created and > {$200000.00} in funds added. Per this understanding, I created an account at a physical branch with a manager. The account was then XXXX flagged for fraud when I attempted to transfer money as per the original arrangement! No customer service agent is able to address this. 
I have now transferred over $ XXXX in funds that Citibank has frozen and refuses to wire back or answer calls relating to this account. I despeararely need the money back at the very least.
Consumer complaint received 2021-05-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company (CO)

The company in question is Merchants Credit Guide. I had multiple accounts from them being reported on my credit report. I used my XXXX lawyers to submit debt validation letters in XXXX and have yet to receive any validation. All but one account were removed. Ive attempted calling them and the hospital to receive validation and still have yet to. Their manager, Ms. XXXX XXXX, has been very rude and insulted my service in the XXXX and told me Im wrong and should just pay my debts so I wouldnt have to deal with them. Incredibly difficult to work with. This specific account is from XX/XX/XXXX and the debt collectors received it in XXXX. This is affecting my job in the military as I have to XXXX XXXX due to this appearing on my credit report.
Consumer complaint received 2024-03-28
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (MI)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 states that I have the right to privacy 15 USC 1681 Section 601 A section 2 it also states a consumer reporting agency can not furnish account without my written instructions. Under 15USCS 1666B a creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-07
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. (GA)

In accordance with the Fair Credit Reporting Act, XXXX Account : XXXX XXXX {$5800.00} Open On XX/XX/XXXX Account : XXXX XXXX {$250.00} Open On XX/XX/XXXX Account : XXXX. XXXX XXXX {$560.00} Open On XX/XX/XXXX Account : XXXX XXXX {$820.00} Open On XX/XX/XXXX Inquiries-XXXX XXXX XXXX XXXX On XXXX  XXXX XXXX XXXX XXXXNXXXX On XXXX XXXX XXXX XXXX is a Closed/Charge Off Account and it should not be any activity once the account is closed. Experian and XXXX are still reporting Late Payments on a Closed Account On My Credit Report. It also have 3 different dates and two different years for day of last activity. 

XXXX XXXX is Closed/Charge Off Account and Comments Say Experian and XXXX Disputed By Consumer. Also on Experian Date does not match, It is two different years for the day of last activity. Experian XX/XX/XXXX... XXXX XX/XX/XXXX... XXXX XX/XX/XXXX. Experian Open Date XX/XX/XXXX -- Experian Last Activity XX/XX/XXXX Is not accurate, how can a account date Last Activity come before opening up account. 

XXXX. XXXX is a Closed Account and Still reporting negative on Experian, it shouldn't be any activities once account is closed. It has two different years the date of last activity Experian XX/XX/XXXX and XXXX XX/XX/XXXX XXXX XXXX Is A Closed Account On XXXX and the Comments Say Account Information Disputed By Consumer. 

15 USC 1681 Section 602 A. 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 1692C ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2021-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/21 I filed a claim with chase bank about my missing item, specifically a XXXX, I had told them I tried to resolve the issue with the merchant XXXX however XXXX offered almost no help to me locate my missing package, I had told chase bank the situation and they let me open a claim, after weeks of waiting I get the results of the claim and it comes back DENIED. Chase believed the merchant more then me due to the fact the package said delivered which doesnt make any sense to me. Chase requests that I file a police report to help them investigate the case. I file a police report and send the full report to chase to help. About XXXX  days later they had told me the claim can not be open because this still doesnt help my case. How? I have a police report stating they couldnt find the package and dont know what happened to it, the police officer that was helping me create this report told me that often delivery drivers will scan items as delivered and take the items. I have had several items from my address get lost from various amounts of times so I do believe something like this happened. Chase told me ONCE AGAIN that they cant open the case again because the item shows is delivered which is really absurd to me, I say that the package hasnt come in and you cant help me at all? XXXX They had also told me I need more proof that the item is lost or I didnt get it when theres nothing else I can do. I tried to file a claim with XXXX who delivered my package and they wouldnt let me open a case, I called them endless times all with the same result sorry we cant help you with this Ive always loved chase until now, there customer service has always been at help to me but they have really XXXX me off this time. Its like they really dont care about me and they dont care about what Im going through right now. Chase has always proved to me they really trust and always want to help their people, but this proves they dont. Please dont use chase bank if you expect them to help you in the slightest. use any other bank then this. They wont take your feelings or thoughts or EVIDENCE into consideration. Complete XXXX
Consumer complaint received 2023-11-06
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

I transferred from my personal checking # XXXX ( that i used as single business owner using my own name or my DBA ) to my personal saving account about the amount of $ XXXX. 
Citibank sent {$12000.00} to the federal government to : Citi Bank account seizure, Case no. XXXX XXXX XXXX Assistant United States Attorney XXXX Asset Recovery Division, Chief United States Attorneys Office | District of Colorado XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CO XXXX XXXX : XXXX XXXX ) XXXX which amount of {$12000.00} I received back from the federal government but the remaining funds I've never received it because the district attorney never received the remaining balance. I went to the local bank branch in XXXX, but they said don't know where the funds are located. Nobody knows where the funds can be found. 
The frozen funds were borrowed during covid19 from the SBA for my business that I run under my name. I am a single business owner using a DBA name : XXXX XXXX XXXX, XXXX # XXXX. 
I did take the loan using my ss # XXXX, the sba deposited the funds to my personal bank account and Citibank didn't like the funds to be put into a personal saving bank account instead of a business bank account. Citibank closed the personal saving account and froze the funds.