davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SUNRISE CREDIT SERVICES, INC (FL)

SUNRISE CREDIT SERVICES is reporting on my personal credit file with ( XXXX ) credit reporting agency . This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
XXXXXXXX XXXX XXXX XXXX XXX Opened XXXX XXXX, XXXX Balance {$0.00} SUNRISE CREDIT SERVICES XXXX Opened XXXX XXXX, XXXX Balance {$400.00}
Consumer complaint received 2016-05-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Revenue Collection Bureau, Inc. (PA)

I received forms from a collection agency called RCB Revenue Collection Bureau , Inc. representing the City of XXXX. The agency did not list an amount owed. It sent forms that would divulge personal and private tax information that they would use to see if I owed any debt. The forms contain a fake letter from the City of XXXX, Department of Revenue. I refuse to give this company any information. I would assume that if this collection agency was working for the City of XXXX that the city would have provided them with my Business tax account number and any debt I may owe. I am currently up to date with my taxes and do not owe anything to the City of XXXX. I want other business owners in the City of XXXX to be aware of this fraud. I would like you to contact this agency and tell them to stop this fraudulent activity. The forms were mailed to my old address not my current address.
Consumer complaint received 2015-06-22
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MA)

CHASE has had several attorneys contact me looking for resolution to their mtg errors in response to XXXX different CFPB complaints. They have continually closed your complaints starting process with me only to stop resolution XXXX in what appears to be deliberate delay in resolving their accounting errors on my former mtg with them. XXXX I have been told CHASE needs more time to investigate and now it is over 1.5 yrs LATER! I ask how much time should it take a major corporation to have their documents in order??!!!
Consumer complaint received 2023-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

Contacted bank on XX/XX/XXXX Your customer service only goes to XXXX XXXX Eastern. Im sitting on hold forever to get an agent. I need to place an ACH stop payment for {$1900.00} from the Internal Revenue Service ( IRS ). I setup through XXXX on XX/XX/XXXX with anticipating withdrawal of XX/XX/XXXX. Per my bankruptcy attorney Im not supposed to directly pay it as my bankruptcy is. The IRS said they couldnt help when I called today to cancel the payment. Please assist. 

They called XX/XX/XXXX from office of president and said stop was placed. Over the weekend XX/XX/XXXX I went to use debit card and it declined and its as a result of the payment hitting my account and putting me negative. I dont recall giving them permission to allow my account to go negative. I contacted the bank XX/XX/XXXX and XX/XX/XXXX via email and this is still not fixed.
Consumer complaint received 2017-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: State Collection Service, Inc. (IL)

I have disputed this account with the credit bureaus on several occasions as well as disputed with State Collection Service. This company continues to report this unverifiable, inaccurate account on my reports. I requested debt validation in XX/XX/2016, to no avail. This company did not send me any documents I requested that substantiated a summary of all account activities, including all payments made, copies of charge slips, invoices or any other documents proving my indebtedness, nor did they send me copies of all documents sent to me regarding this account, copies of any papers that show I agreed to pay what they say I owe them, as well as prove the statute of limitations has not expired on this account. See attached documentation. The documents sent to me from this company DO NOT VALIDATE THIS DEBT AS BELONGING TO ME. Since this third party collection company is unable to validate the debt, this item must be deleted from my report immediately.
Consumer complaint received 2015-04-23
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO. (CO)

I have had several cards in good standing with Chase and recently had my credit limits cut by 70 %. I understand that Chase must manage its risks in extending credit and may reduce credit accordingly ; however, a drastic decline of credit to just above the outstanding balance creates a hardship to consumers as it directly impacts my credit score as my percentage of credit used goes from 30 % to 100 %. In order to object to the bank 's decision, I had to have my credit pulled again negatively impacting my credit score.
Consumer complaint received 2016-09-26
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX/XXXX/16, we sold our primary residence and paid off XXXX our XXXX mortgage with XXXX and our XXXX mortgage ( HELOC ) with Bank of America. Both payoffs were made via federal wire transfers. 
The payoff of the XXXX mortgage was promptly reported by XXXX to the Credit Reporting Agencies ( CRAs ). However, the payoff of the XXXX mortgage HELOC has not yet been reported to the CRAs by Bank of America. 
When I called Bank of America and asked them why this payoff had not yet been reported to the agencies, I was told that it will not be reported until XXXX XXXX, 2016 in accordance with Bank of America 's policy ... that I have to wait until the next " interest payment statement calculation '' before this XXXX loan payoff will be reported. 
This means that it will take nearly 30 days after the payoff date for Bank of America to report this loan payoff, and likely even longer before the CRAs update my credit report and XXXX score. 
This is damaging to my XXXX score, because the CRAs treat a HELOC loan as if it were a credit card for purposes of their scoring models, rather than as a XXXX mortgage secured by real estate. That is unconscionable, in my opinion, and I hope that someone brings legal action against the CRAs for that practice. 
That CRA practice aside, why should anyone have to wait for 30 days for Bank of America to report that the HELOC has been repaid in full and that the account is closed? 
I can no longer borrow on that XXXX as it has been closed, yet Bank of America is preventing my loan balance, financial condition and credit score from being accurately reflected. This is unfair treatment by Bank of America of every consumer who pays off a HELOC loan.
Consumer complaint received 2015-06-19
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (NJ)

Chase is reporting an account on my credit report that is a violation of the Fair Credit Reporting Act the Bankruptcy Stay law. I filed bankruptcy on XXXX 2014 but they reported my account as being a Charge Off as of XXXX 2014 and 30 days past due as of XXXX 2014 when they can not due that since they were notified that I filed bankruptcy that finally went through on XXXX 2014. I have tried to dispute this account with them directly and with the credit bureaus to no avail. They are causing my credit score to be even lower as a result of this.
Consumer complaint received 2015-09-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Bull City Financial Solutions, Inc (OH)

I have been defending this money they are trying to collect, XX/XX/XXXX. I spend XXXX of ours to keep them from reporting falls report repeatedly for amount that has been removed luck of verification many times from the XXXX credit bureau. last year i file a complaint against and ... Bull City located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX. My case went on till XX/XX/XXXX ; My complaint to this agency did n't stop Bullcity from getting my score information from credit bureau, which is illegal for them to do, it is against FTC law, they did't care, so any time they found out my score going up, they report it back, an amount that once and many times removed by changing the date of the report or slightly the amount. 

On XX/XX/XXXX negative report was reported as new complaint, even though, it was from XX/XX/XXXX, XXXX amount was reported two times to do more damage to my credit history. This is the same amount and case filed complaint to this organization XXXX XXXX XXXX last year. I spent hours of my time seeking solution, there was non, it seems this collection department has a license to harass and rune innocent citizens life.If any body is out there similar problem with this collection agency please contact the FTC as soon as possible. 

I tried to use the 90 day freeze policy by the credit bureau for fraudulent report, They wait till flag time collapse, they use, affiliated collection companies to enquire about my score and credit history first, my score is high they foudout, then they report it as new, for the intention to reduce my score. It became personal, they are working for third party an enemy who is known to me, to create problems around me. I do believe they are hired. 

Without the help XXXX, they will not have a chance to violate my rights, by law credit bureau should n't report an item once disputed and removed many times, but they did.
Consumer complaint received 2017-02-26
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: OLD REPUBLIC TITLE HOLDING COMPANY, INC (WA)

My wife and I sold our house in XXXX : XXXX Wa XXXX, and the deal was closed on the XXXX of XXXX..Old republic Title was our Escrow company. After the closing we received XXXX different statements of amount due to seller. XXXX = {$190000.00} and XXXX = {$200000.00}. We asked them why are we seeing XXXX different amount due to sellers? Their reply was " yes it was a mistake, you will received {$200000.00}. We will fix it before wiring the money to your account ''. After receiving the money to our account we realized that they did n't fix it, they paid us {$190000.00} instead of {$200000.00}. We tried to call them so many times with no success. They only time we were able to talk to them was last month and we were told that the amount giving to us was correct even though the statement and the amount wired to our account do n't match. I have attached the copy of both statements. 

XXXX
Consumer complaint received 2015-06-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (CA)

Loan originally with XXXX XXXX XXXX XXXX who transferred the loan [ without the proper notification ] to Selene Finance during the middle of a Loan Modification Request. Selene came back with unreasonable Loan Modification terms : extending out the term of the loan ; increasing the interest rate from 2.875 % to 5.375 % ; having the Note balloon in 17 years [ which would have been the orignal date the mortgage would have being paid-off, and the Balloon payment is for over {$180000.00} at that time! ]. None of this was disclosed to us until we received the Loan Modification paperwork, and Selene Finance 's pressure to immediately sign the Loan Modification documents. In our opinion, XXXX through Selene Finance are attempting to defraud us under the guise of a Loan Modification.
Consumer complaint received 2022-09-05
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. (NC)

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX XXXX Balance : {$12000.00}
Consumer complaint received 2022-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

around XXXX i thiought i had misplaced my card from bank of america I had just got back from being out of town and still had not found my card. a few days later i found my wallet in my mailbox with all the cash gone but the cards were still there. My husband informed me to check my account and when i logged in there was over XXXX missing out of my account. I imeediatley called the bank and filed fraud on charges that i had not made at the time these charges were made i wasnt even in the town that they were made in. XXXX  was saving that money to pay my last rent and move into a new house, But becasue of this problem i was not able to pay my rent and i contacted bank of america explaining to them that this happend and that if i wasnt able to be reimbursed i was going to be evictedc it took them less than an hour to investigate my case and told me that all the charges were relevant and that i would not be getting reimburssed i toold them that whomever stole my card info had to obviously been from the town that i live in. I live in XXXX XXXX california it is a small farming community and we do not have any big name stores such as XXXX XXXX  XXXX or any fast food places so we all shop at the same stores when we go out of town the two closes towns to us are XXXX XXXX XXXX  then XXXX and XXXX  everyone in my town shops at these stores or we have to order stuff because we dont always have tghe things we need here. I tried to explain this to them many times i was told by one of the Fraud team that whatever happend wasnt there fault and i would just have to figure something out, another member told me that i probably deserved it, Because i wass not able to get reimburrsed for these charges that were made which ineveitably cleared out my account i got evicted from my home and my husbanc and i became XXXX  at the moment we are currently bouncing around from friends houses or sleeping in our car, i am furious that the bank treated me this way and i am very upset all i want is for my money to be reimburssed so that i can get a place to call home again for me and my family
Consumer complaint received 2018-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC. (CA)

this is XXXX XXXX. i want a buy new home loan officer said i have problem is in crdeit report score and still shown filed on XX/XX/2008 bankruptcy record. 
but I knew that the 7yrs showing the record my case is already passed 9yrs still in there.

my loan interest rate is going up to 0.25 % also, i have 1 point more than others. 

Please removed my record for bankruptcy let me know why still there?? 

and If you anyone can do removed for me. 

Thanks, XXXX XXXX XXXX
Consumer complaint received 2022-09-05
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. (FL)

This is XXXX XXXX XXXX submitting yet another CFPB complaint to request to the Credit Bureaus to properly invetigate and correct the dispute account from my Credit Report. The Credit Reporting Agencies continued to report this account as late and claimed that the account is verified but I did not receive any proof of verification or any document for them to claim that the account is investigated and verified. If the Credit Bureaus ' investigation is really conducted at all, they should have sent me any document as proof of verification! Once again, I AM NOT LATE IN PAYING WITH THIS ACCOUNT! I do not believe I am late on the dates this account reports. Also, I have been keeping my own record of payment and the data this account reports do not match with what I have. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND UPDATE THE PAYMENT STATUS OF THIS ACCOUNT! 

XXXX XXXX XXXXXXXX XXXX Opened XXXX. XXXX, XXXX Balance {$440.00} XXXX XXXX XXXXXXXX  XXXX Opened XXXX. XXXX, XXXX Balance {$1900.00} XXXX XXXX XXXXXXXX  XXXX Opened XXXX. XXXX, XXXX Balance {$600.00} XXXX XXXX XXXXXXXX  XXXX Opened XXXX XXXX, XXXX Balance {$2100.00} XXXX XXXX XXXXXXXX  XXXX Opened XXXX XXXX, XXXX Balance {$1900.00} XXXX XXXX XXXXXXXX  XXXX Opened XXXX XXXX, XXXX Balance {$3600.00} XXXX XXXX XXXXXXXX  XXXX Opened XXXX XXXX, XXXX Balance {$3800.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$8.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$44000.00}
Consumer complaint received 2020-10-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

I have a debt collection for a medical company that I have never used or authorized anyone else permission to do so. I have no knowledge of where or how this debt originated but I do know that it does not belong to me. I have strong reason to believe that someone may have used my credit without me knowing and or fraudulently.
Consumer complaint received 2016-09-25
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: GREAT LAKES (TX)

I did not receive notice from Ohio that I was in default in my student loans ( actually had worked out a payment plan a few months prior ) and in danger of my pay being garnished. Instead, I received a notice from work that they were going to garnish my pay, so I contacted Ohio XXXX loans office to try to work something out so this would not happen, and they were rude to me and told me I could n't stop it, and would not work with me at all, and have begun garnishing my pay, even though I am a head of household with low income and now am being forced to file bankruptcy to stop it. I did receive notice from Missouri and have been able to work with them, but Ohio did not send me notice, and were very rude and will not work with me and instead disregarded letters I sent and calls and have started to garnish my pay. Is there a problem with Ohio student loans? I need to be able to work this out rather than file bankruptcy.
Consumer complaint received 2015-06-13
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

Asset Acceptance is reporting the incorrect Date of First Delinquency for XXXX accounts on my credit reports. They are reporting the dates of first delinquency as XX/XX/XXXX. I have contacted the original creditor XXXX XXXX and have both verbally verified and now have physical proof that the date of first delinquency is XX/XX/XXXX. I have contacted Asset Acceptance Corp. on numerous occasions and given them a chance to rectify this. I have contacted them personally and I have contacted them through and with customer service representatives from XXXX, XXXX and XXXX. When I provided the proof to the representatives from the credit bureaus, they even agreed with me that Asset was reporting incorrect information. I am tired of going around in circles with them regarding this. It seems as this should have been corrected a long time ago. As a XXXX veteran I do not need the additional stress that this has brought upon me! It has become obvious to me that Asset Acceptance operates under there own set of rules and does not care if they violate the FCRA.
Consumer complaint received 2015-08-27
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (AZ)

After a review of my credit report, I found that Midland Credit Management has been incorrectly reporting a paid collection to the credit bureaus Experian and TransUnion. I have written XXXX letters to Midland requesting a goodwill removal of this paid collection from my credit report and they have refused to do so, stating that they are accurately reporting this information. I have taken it upon myself to illustrate exactly what is wrong with Midland Credit Management and how they are incorrectly reporting this item on my credit report, causing unnecessary damage to my report : Midland violates FDCPA 15 USC 1692e ( 2 ) ( A ) by falsely characterizing the account as " Terms : 1 Month '' on my XXXX credit report. 

Midland violates FDCPA 15 USC 1692e ( 8 ) by communicating credit information which is known or which should be known to be false, by reporting the account as " Terms : 1 Month '' on my XXXX credit report. 

Midland violates FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) for knowingly reporting inaccurate information to a consumer reporting agency " Terms : 1 month '' on my XXXX credit report. 

Midland violates FCRA 15 USC 1681s-2 ( a ) ( 5 ) ( A ) for failing to include the original delinquency date of the delinquent account. on my XXXX credit report. 

Midland violates FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) for knowingly reporting inaccurate information to a consumer reporting agency for not showing the account as paid and closed on my XXXX credit report. 

Midland violates FCRA 15 USC 1681s-2 ( a ) ( 5 ) ( A ) for failing to include the original delinquency date of the delinquent account on my XXXX credit report. 
Disputing Account # XXXX with Midland Credit ManagementWith respect to the " Terms : 1 month '' notation on my XXXX report : I do not have any known " Terms : 1 month '' agreement or contract in writing or otherwise with Midland Credit Management. 

This dispute is with Midland Credit Management, not XXXX or XXXX.